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Blue Business Plus Card

in Business Credit Cards

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Blue Business Plus Card

Unaffiliated

in Business Credit Cards

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Overview

Who is this credit card designed for?

Blue Business Plus Card is a credit card issued by American Express Bank, which is based in New York, NY.

Blue Business Plus Card is designed for small business owners with a credit score of 700 to 850. This card charges an annual fee but the fee is waived the first years. This makes a good fit for people who are willing to pay an annual fee for a card with the right benefits but want to test it before agreeing to pay a fee. A rewards program is included that allows you to convert your purchases into travel, gifts, and other perks.

This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Blue Business Plus Card has a variable purchase APR that ranges from 12.99% up to 20.99%.

The card has a variable balance transfer APR that ranges from 12.99% up to 20.99%.

Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Is an introductory APR offer available?

Yes, Blue Business Plus Card offers an introductory APR rate of 0%.

What are the fees?

The following fees apply to Blue Business Plus Card:

  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • A foreign transaction fee of 2.7%. Transactions in a foreign currency get hit with a 2.7% commission. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $27.

Is a rewards program offered?

Blue Business Plus Card offers a rewards program to its customers. This business card features rewards for purchases in the following categories:

  • Every Purchase

Is a signup bonus offered?

Blue Business Plus Card doesn't offer a cash signup bonus. However, it does include a 50000 points signup bonus after spending $5000 that can be redeemed for travel, gifts, and other perks.

Is an annual loyalty bonus offered?

Blue Business Plus Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

Blue Business Plus Card provides the following benefits:

  • Car rental insurance
  • Emergency support
  • Extended warranty
  • Flight insurance
  • Fraud liability
  • Lost luggage insurance
  • Travel insurance
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Feature Breakdown

Grace Period (Days)
25
No Annual Fee First Year
Late Payment Penalty
$38
Returned Payment Fee
$38
Annual Fee
$175
Foreign Currency Transaction Fee
2.7%
Minimum Age
18
Credit Score Range
700 - 850
850 300 700
Customer Type
Business
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Emergency Support
Flight Insurance
Lost Luggage Insurance
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Fraud Liability
  • Purchase Protection
  • Travel Accident Insurance
Bonus Rewards
2x
Every Purchase
1x
Rewards Categories
  • Every Purchase
Signup Bonus (points)
50,000
Purchases APR
12.99% - 20.99%
12% 30%
Balance Computation
average daily balance (including new purchases)
Penalty APR
29.99%
APR Type
Variable APR
Introductory Rate
0%
Balance Transfer APR
12.99% - 20.99%
12% 25%
Transfer Fee
3% ($5 minimum)
Introductory Rate
0%

Reviews

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