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  American Express® National Bank Blue Business® Plus Credit Card

American Express® National Bank Blue Business® Plus Credit Card

in Business Credit Cards from American Express National Bank

Claimed

American Express® National Bank Blue Business® Plus Credit Card

Claimed

in Business Credit Cards from American Express National Bank

Net Recommendation Score +50

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Purchase APR  (Variable APR) 13.24% - 19.24%
Balance Transfer APR  (Variable APR) 13.24% - 19.24%
Credit Score Range 700 - 850
Annual Fee $0

American Express® National Bank Blue Business® Plus Credit Card Review

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 12 months, which is the average period for 0% APR balance transfer cards.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 12 months.
  • Competitive APRs. American Express® National Bank Blue Business® Plus Credit Card has a variable purchase APR that ranges from 13.24% up to 19.24%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. American Express® National Bank Blue Business® Plus Credit Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of American Express® National Bank Blue Business® Plus Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere American Express® National Bank Blue Business® Plus Credit Card is accepted.
  • American Express® National Bank Blue Business® Plus Credit Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 2.7%.
  • Charges a 3% balance transfer fee.
American Express® National Bank Blue Business® Plus Credit Card FAQ

Who is American Express® National Bank Blue Business® Plus Credit Card designed for?

American Express® National Bank Blue Business® Plus Credit Card is a credit card issued by American Express National Bank. 

This card is designed for businesses with good credit. The minimum credit score to apply is 700.

What are the relevant APRs for American Express® National Bank Blue Business® Plus Credit Card?

American Express® National Bank Blue Business® Plus Credit Card has a variable purchase APR that ranges from 13.24% up to 19.24% . The card has a variable balance transfer APR that ranges from 13.24% up to 19.24% .

It also has a variable cash advance APR that ranges from 13.24% up to 19.24% . Note that late payments are subject to an APR of 29.24% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does American Express® National Bank Blue Business® Plus Credit Card have an introductory APR offer?

Yes, American Express® National Bank Blue Business® Plus Credit Card offers an introductory APR rate on balance transfers of 0% for a period of 12 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 12 months.

American Express® National Bank Blue Business® Plus Credit Card Rates & Terms
Purchase APR 13.24% - 19.24%
Balance Transfer APR 13.24% - 19.24%
Cash Advance APR 13.24% - 19.24%
Penalty APR 29.24%

What are the American Express® National Bank Blue Business® Plus Credit Card fees?

The following fees apply to American Express® National Bank Blue Business® Plus Credit Card:

  • There is no annual fee.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $39.
  • There is no overlimit fee

Does American Express® National Bank Blue Business® Plus Credit Card have a foreign transaction fee?

American Express® National Bank Blue Business® Plus Credit Card charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

American Express® National Bank Blue Business® Plus Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 2.7%
Balance Transfer Fee 3%
Minimum Balance Transfer Fee $5
Returned Payment Fee up to $39
Late Payment Fee up to $39

Is there a American Express® National Bank Blue Business® Plus Credit Card cash back or rewards program?

American Express® National Bank Blue Business® Plus Credit Card offers a rewards program to its customers. This card offers rewards to businesses that use the card to make purchses in the following categories:

  • Every Purchase

Does American Express® National Bank Blue Business® Plus Credit Card have a signup bonus?

American Express® National Bank Blue Business® Plus Credit Card doesn't offer a cash signup bonus.

Does American Express® National Bank Blue Business® Plus Credit Card offer an annual loyalty bonus?

American Express® National Bank Blue Business® Plus Credit Card doesn't offer a cash loyalty bonus.

However, it does include an annual loyalty bonus of 2 points that can be redeemed for travel, gifts, and other perks.

What are the American Express® National Bank Blue Business® Plus Credit Card benefits?

American Express® National Bank Blue Business® Plus Credit Card provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
  • Reports to major credit bureaus

Does American Express® National Bank Blue Business® Plus Credit Card report your account activity to credit bureaus?

Yes, American Express® National Bank Blue Business® Plus Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for American Express® National Bank Blue Business® Plus Credit Card

  • Visit the American Express National Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Feature Breakdown

Every Purchase (Points) 2X Membership Rewards Points on the first $50,000 in purchases each year. 1X Membership Rewards Points on purchases thereafter
Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Annual Fee $0
No Annual Fee
No Interest Grace Period for Late Payment 25 days
Over-Limit Fee $0
Foreign Currency Transaction Fee 2.7%
Late Fee Amount Up to $39
Returned Payment Fee Up to $39
Customer Type Business
Minimum Age 18
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Travel Assistance
Annual Loyalty Bonus (points) 2
Rewards Categories
  • Travel
  • Every Purchase
Balance Computation Average daily balance (including new purchases)
Cash Advance APR (Variable APR) 13.24% - 19.24%
Penalty APR (Variable APR) 29.24%
Purchase APR (Variable APR) 13.24% - 19.24%
Balance Transfer Fee % 3%
Balance Transfer Fee % After Intro Period Starting at 3%
Balance Transfer Fee Minimum $5
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer APR (Variable APR) 13.24% - 19.24%
Card Network American Express
Card Type
  • Rewards
  • Balance Transfer
  • Zero Percent

American Express® National Bank Blue Business® Plus Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +50, equating to 4 on a 5 point rating scale.

+50

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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