American Express Blue For Business Credit Card

Card Details
Rewards	Earn 2× Membership Rewards® points on the first $50,000 in purchases each calendar year, then 1× after that.
Signup Bonus	15,000 Membership Rewards® points after spending $3,000 in eligible purchases within the first 3 months of card membership.
Annual Fee	$0
Cardmember Agreement	View Here
Cash Advance APR	Cash advances are not allowed.
Cash Advance Fee	Cash advances are not allowed.
Late Payment Fee	Up to $39.
Purchases APR	16.99% – 26.99% after the 0% introductory period.
* Card terms and offers are subject to change. Confirm current details with the issuer.

CARD OVERVIEW

The American Express Blue for Business Credit Card is known for its simple, no-annual-fee structure and flat-rate Membership Rewards points on every purchase. It’s especially popular among small-business owners who want uncomplicated rewards without juggling bonus categories.

Most users say they love the straightforward earning system, the ability to rack up Amex Membership Rewards, and the fact that it comes with no annual fee, which keeps ongoing costs low. Many reviewers also mention that Amex’s customer service feels more “premium” than what they’ve experienced with other issuers.

On the downside, cardholders often point out that the lack of category bonuses makes it less competitive for heavy spenders who could earn more with tiered rewards cards. Others wish it offered a larger welcome bonus or extra perks like travel credits. And since it doesn’t allow cash advances, some users view it as less flexible (though others see this as a non-issue).

Personally, I think this card is best for small-business owners who want a no-frills, no-fee way to earn flexible points. If you prefer richer travel perks or boosted rewards in specific categories, you may find better value elsewhere.