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Blue for Business from American Express Credit Card

Blue for Business® from American Express OPEN

- 10,000 Membership Rewards points after your first purchase
- Earn one point for every dollar spent on purchases - with no limit to the number of points earned and points do not expire
- Get an annual points bonus each year: 10% points bonus your first year, 20% points bonus your second year, and 30% each additional year.
- 0% introductory APR, and flexibility to pay balances over time at a competitive APR
- No annual membership fee
- Free additional cards
- Terms & Restrictions Apply

(5.0 out of 5.0)

Information - Rates - Fees

Intro APR:

N/A*

Applied Towards:

Purchases
Balance Transfer

Intro Period:

See Terms*

APR:

11.24% - 19.24%*

APR Type:

variable

Annual Fee:

$0*

Issuer:

American Express

Card Network:

American Express®

Card Category:

Business (Regular)

Card Type:

Reward Card

Credit Needed:

Excellent*

Grace Period:

25 days*

Min Finance Charge:

$0.50

Late Payment Fee:

$38.00*

Over Limit Fee:

$35.00

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

19.99%

Cash Advance Fee (%):

3.00%

Minimum Fee:

$10.00

Comments

The APR for cash advances, balance transfers and purchases is based on the Prime Rate.
A fixed APR of 7.99% for the life of the balance for balance transfers submitted with the application or posted to your account during the first six months of Card membership. Then, the standard APR for purchases will apply.

Review by CreditCardsBay™

Issued by American Express, the Blue for Business credit card gets the right amount of finance into the hands of a regular business. Order unlimited additional cards at no extra cost and accumulate savings from everyday business purchases. With enrollment into the fee free reward program, cardholders earn points (1 point for $1) on almost any purchase. Points accrued are redeemed for rewards or used to discount future expenditure.

To qualify for this card, businesses are required to have good credit. A decision is guaranteed within 60 seconds with Express Approval. Interest rate charged remains low with lowest interest for the business with higher credit. Cardholders are charged no annual fee and spend less time on small purchases through swipe free ExpressPay technology.

Features

Most attractive:

- Fee free rewards program
- Additional benefits package
- No annual fee

Least attractive:

- Low rate may not be available to all applicants

Rewards & Benefits

Reward Unit:

Point

Reward per every $1 spent:

1.00

Rewards:

- 10,000 Membership Rewards points after your first purchase
- 1 point for every dollar spent on purchases
- 10% points bonus your first year, 20% points bonus your second year, and 30% each additional year.

Expiration:

None

Yearly Limit:

None

Other Benefits:

- Internet account related services
- Option to enroll in fee-free Membership Rewards Express® program
- Access to OPEN Savings for savings on expenses with companies like FedEx, Delta, Hyatt Hotels & Resorts, and more
- Savings on air, hotel, and car reservations
- Expense management reports
- Fraud protection
- Purchase protection
- Return protection
- Extended warranty for purchases
- Legal referral services
- Travel and emergency assistance services
- Medical referral services
- Lost and damaged luggage insurance
- Emergency check cashing
- Auto rental insurance
- Emergency card replacement
- Up to $100,000 in travel accident insurance

Online Access:

Yes!

The information provided for Blue for Business from American Express OPEN is believed to be accurate at the time of evaluation (Nov 9, 2012). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.