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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 business 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 Blue business 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 business 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 Blue business card FAQ

Who is American Express Blue business card designed for?

This is a credit card issued by American Express National Bank. 

This business card is designed for small business owners with good credit. The minimum credit score to apply is 700.

What are the relevant APRs?

This business 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 it have an introductory APR offer?

Yes, this business card offers an introductory APR rate on balance transfers of 0% for a period of 12 months from account opening.

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

American Express Blue business 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 fees does it charge?

The following fees apply to this business 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 it charge a foreign transaction fee?

This business 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 business card at home and apply for one that doesn't charge a foreign transaction fee.

American Express Blue business 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

Does it offer a cash back rewards program?

This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

  • Every Purchase

Does it have a sign up bonus?

This business credit card doesn't offer a cash signup bonus.

Does it offer an annual loyalty bonus?

This business 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.

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business 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

What is the customer service phone number?

The customer service number for this business card is (800) 528-4800.

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

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?

  • 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.

Message From American Express® National Bank Blue Business® Plus Credit Card

Earn What's Best For Your Business. Choose 2X Membership Rewards® points Or 2% Cash Back. he Blue Business® Plus Credit Card from American Express. Earn 2X points on Just About Everything. Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. The Blue Business® Plus Credit Card is a credit card with $0¤ Annual Fee + 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤ Perfect for big purchases like wholesale supplies and updating equipment as you pay down your purchase overtime with interest. Say yes more. You’ve got the power to use your Card beyond its credit limit‡ with Expanded Buying Power. There are no over-limit fees, no enrollment steps to take and you can continue to earn Membership Rewards® points or cash back on purchases above your credit limit. It’s really just as simple as paying the minimum due each month, which will include any amount you spend over your credit limit. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.


Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all business credit cards offered by American Express National Bank

Feature Breakdown

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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