The AMEX Blue Business Plus is a business credit card from AMEX Blue Business Plus. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% – 26.74% after a 0% introductory rate for 12 months. Approval typically requires a credit score of 650-700 or higher. Signup bonus: 15,000 points after $3K spend. Rewards: 2X POINTS on eligible purchases on the first $50,000 of eligible purchases per calendar year; 1X POINTS on purchases thereafter. Cash back: MISSING. Typical credit limit: $1,000 - $50,000. This product does not report routine activity to your personal credit (only on default if a personal guarantee is required). ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Soft-pull pre-qualification is available — no hard inquiry to check approval odds. Application rules: American Express application limits: 1-in-5 (max 1 personal card approval per 5-day window) AND 2-in-90 (max 2 cards approved within any rolling 90-day period). Sign-up bonuses are once-per-lifetime per card product family. Charge cards (Green/Gold/Platinum) generally don't count toward credit-card velocity rules.. [SOFT PULL ONLY] | Best no-annual-fee business card. 0% intro APR for 12 months. Expanded buying power above credit limit. Great everyday business card. | EXPERT REFERENCE (Feb 2025): Melio allows business credit cards to be used for payments to vendors who typically do not accept credit cards, effectively turning them into cash. | EXPERT REFERENCE (Feb 2025): Melio charges a 2.9% fee for credit card payments, but users can earn 2% cashback with Amex Blue Business Cash Card, resulting in a net 0.9% fee. | EXPERT REFERENCE (Feb 2025): Offers a 12-month 0% APR period. | EXPERT REFERENCE (Feb 2025): Comes with a $250 sign-up bonus. | EXPERT REFERENCE (Mar 2026): New card called Graphite Business Cash Unlimited | EXPERT REFERENCE (Mar 2026): 2% cash back on everything | EXPERT REFERENCE (Mar 2026): 5% cash back on flights + hotels through Amex Travel | EXPERT REFERENCE (Mar 2026): Around a $250 annual fee | EXPERT REFERENCE (Mar 2026): No cap on 2% cash back earnings | EXPERT REFERENCE (Mar 2026): Break-even point at $75,000 annual spend | EXPERT REFERENCE (Feb 2026): Minimum FICO score for Business Blueprint line of credit increased from 620 to 660. | EXPERT REFERENCE (Sep 2025): Citi Bank's Costco Anywhere Visa Business Card offers 4% back on gas purchases (up to $7,000 annually, then 1%), 3% back at restaurants and on Costco Travel, 2% back on Costco purchases, and 1% back on all other purchases. | EXPERT REFERENCE (Sep 2025): Citi Bank is known for pulling Equifax for both personal and business credit applications. | EXPERT REFERENCE (Sep 2025): A user reported being approved for a $10,000 credit line with a 767 Equifax Bankcard score 8, without a hard pull. | EXPERT REFERENCE (Jun 2025): $200K+ in business credit cards including FNBO Hello Alice | EXPERT REFERENCE (Apr 2025): 0% APR for 12 months. | EXPERT REFERENCE (Apr 2025): Consistently issues $35K–$50K approvals. | EXPERT REFERENCE (Apr 2025): $250 sign-up bonus after spending $3k in the first 3 months | EXPERT REFERENCE (Apr 2025): 2% Cashback on all purchases automatically each month | EXPERT REFERENCE (Apr 2025): 0% APR for the first 12 months | EXPERT REFERENCE (Mar 2025): Over $30,000 in credit limits can be obtained in less than 30 days without showing any business revenue. | EXPERT REFERENCE (Mar 2025): Approved for Chase INK Business Unlimited card with a $21,000 starting limit. | EXPERT REFERENCE (Mar 2025): Chase required minimal documentation, just a copy of articles of organization. | EXPERT REFERENCE (Mar 2025): Chase hard pulled Experian credit report for approval. | EXPERT REFERENCE (Mar 2025): 80% of people with $20k+ starting limits had a prior relationship with Chase. | EXPERT REFERENCE (Mar 2025): Credit limits range from $2,000 to $250,000. | EXPERT REFERENCE (Mar 2025): No origination fees, annual fees, or prepayment penalties. | EXPERT REFERENCE (Mar 2025): Flexible repayment terms of 6, 12, 18, or 24 months for installment loans. | EXPERT REFERENCE (Mar 2025): Each draw is treated as a separate loan with a fixed repayment schedule. | EXPERT REFERENCE (Mar 2025): Loan fees are higher in the first half of the loan term and decrease later.