1 Annual Fee: There is no annual fee for the Blue Business® Plus Card. APRs: 0% intro APR on purchases for the first 12 months of Card Membership from the date of account opening, based on your creditworthiness and other factors. After that, the APR will be a variable rate based on the Prime Rate, currently 13.24% to 19.24%. The following APRs vary based on the Prime Rate. APR for Purchases: currently 13.24% to 19.24%, based on your creditworthiness and other factors as determined at the time of account opening; Penalty APR 29.24%. Variable rates are accurate as of 7/24/2020. The variable penalty APR will not exceed 29.99%. Other Charges: Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

2 Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to to membershiprewards.com/pointsinfo.

3 Blue Business Plus 2X

With your Blue Business® Plus Card from American Express, you earn one Membership Rewards® point for each dollar you spend on your Card for eligibile purchases. For the first $50,000 in eligible purchases in each calendar year you also earn one additional point (for a total of 2 points). Eligiible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.

4 Expanded Buying Power

The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit so long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit.

5 Membership Rewards Program - Transfer Points (Domestic Airlines)

Enrollment in a participating Frequent Flyer program is required. Airline tickets are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. We may offer you the option to redeem points to cover this fee.