AMERICAN EXPRESS BLUE FOR BUSINESS
Apply for an American Express Blue for Business Card Today
Introduction - Blue for Business is the business credit card launched by American Express. This is a cash back credit card. That means, whatever amount you spend on the American Express Blue card, some part of the cash will be returned back to you. There are hardly any credit cards available in the market which offer the cash back option. American Express Blue Card is one of these few cards. You can attain countless number of benefits after becoming the member of the Blue for Business credit card. You can view all these benefits and other special features of the American Express Blue card on the Business Cards Gold web site.
General overview on the American Express Business Blue card
The Blue for Business credit card from American Express basically optimizes the cash flow on your expenses. The basic feature of the card is that it returns back some portion of the cash you have spent on the card. This automatically reduces the cash flow. You can start getting the cash back option right from the initial purchases on the card. The cash back offer on the American Express Business Blue card works in increasing manner. If you have spent $ 7, 500 in the first purchase, then you get 0.5% of cash back. As the purchasing amount goes on increasing the cash back value also starts increasing. For example, if you spend an amount of more than $ 7, 500 up to a maximum of $ 15, 000, then you get 2.5% cash back. On the purchase of more than $ 15, 000, you receive higher amounts of cash back. Thus, the more you spend, the more cash you get back.
The American Express Business Blue card offers some more benefits. If you spend any amount while dealing with the American Express partners, then you get additional benefits. The list of partners includes FedEx and Delta. If you deal with any one of these names, then you get more cash back. The cash saving in this case is up to 5%. Thus if you use the services provided by FedEx or Delta, then you get 5% of the spent cash back. However the balance transfers will not be eligible for the offer of cash back.
You can even obtain additional Blue for Business cards for your employees. They will get the cash back and other rewards individually. At the same time you can even receive some extra points. This way you are benefited in both ways. With the help of Blue for Business card from American Express you can receive lots of discounts as well. Your deals with the OPEN partners will provide you with such discounts. The OPEN partners such as FedEx and Delta offer discounts to all the Blue for Business card holders. You can receive almost 3% to 25% of discounts in the deals with the OPEN partners.
Terms and conditions for the membership of Blue for Business card
Like any other American Express credit card, even Blue for Business card does not possess any annual fees. Thus you can be the member of the card without paying a single penny. The payment options provided by the card are also similar to other card payment options. You can pay the complete credited amount at once before the due date. Or you can pay it part by part over time.
If you are not able to pay the amount before the due date, you can receive the grace period for repayment. The American Express Business Blue card offers a grace period of up to 25 days from the date of purchase. Thus you get almost 55 days extra to repay the amount. 55 days is the sum of 30 days provided by the creditor and 25 days provided by American Express. However, to get this facility, the previous balance on the card must be paid in full. The billing statement reflects the previous payments.
The American Express Business Blue card offers various introductory offers. For the first year of the card membership you get 0 % APR on every purchase. Thus you save huge amount of money in the first 12 months in APR. After the 12 months are over, the card carries low APR. This is 11.24 % on every purchase.
You can get the ‘balance transfer’ option with the American Express Business Blue card. In this option you can transfer the balance on the existing credit card on Blue for Business card. The transferred amount carries an APR of 4.99%. This APR remains constant throughout the period. You can transfer the balance on personal credit card to the business card. Thus the business and personal expenses can be divided.
Additional features of the Blue for Business card
The American Express Business Blue card offers a special feature called, “Express Pay”. This is a facility with which you can pay for small purchases without swiping the card. The Express pay machine will read the card and the payment is done. The Blue for Business card is accepted at countless number of destinations in the world.
You can enroll yourself in the “Membership Rewards Express” program. You get the reward points in the standard method of purchasing the items. Apart from these points you can obtain the points in a faster way. For this, you can shop at more than 160 online retail shops at Bonus Points Mall. After purchasing the items from the Bonus Points Mall, you can double your points.
You can get unlimited number of additional business cards for your employees. As mentioned above, you receive more benefits when your employees are using the cards as well. The employees can enroll their names in the “Membership Rewards Express” scheme. The additional cards carry no annual charges.
Several management tools are provided with the American Express cards. You can view your expenses and balance sheet online. Thus you can keep a track of your expenses. The Blue for Business cards allotted to your employees help you to restrict their expenses as well. You get account alerts at regular intervals. So, you cannot miss a single opportunity this way. The bill payment is done automatically. Thus the Blue for Business is one such card which is beneficial for the small businesses.
