American Express · American Express

Annual fee

$0

Rewards

Membership Rewards

Earn rates

• 1x all other purchases — Base rate: 1X points after the first $50,000 in eligible purchases per calendar year.
• 2x travel booked on AmexTravel.com — Page states AmexTravel.com purchases earn 2X and do not count toward the first $50,000 cap.

Foreign transaction fee

2.7%

Purchase APR

16.74%–28.49% variable

Issuer rules

• Welcome offer / intro APR eligibility: "You may not be eligible to receive the welcome offer and intro APR offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive the welcome offer and intro APR offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors."
• Age and residency: "Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents."
• Business use required: applicant must be "REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES."
• Balance transfers: "If eligible, only balance transfers from accounts in your name requested within 60 days from the date of account opening will be approved." and "You may not transfer balances from any account issued by American Express or any of its affiliates."
• Employee Cards: "You may add up to 99 total Employee Cards on your account." with "$0" annual fee for each additional Employee Blue Business Plus Credit Card.
• Welcome offer abuse clause: "If we determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away the Membership Rewards points from your Card Account. We may also cancel any Card Accounts you have with us."

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