Amex Business Blueprint‪™‬ 4+

Efficient Cash Flow Management

American Express

    • 4.8 • 8.5K Ratings
    • Free



Designed for small business owners like you, the free American Express Business Blueprint™ app offers a single location to view a current snapshot of your account balances across:
• Your American Express product.
• The external accounts you’ve linked to your Business Blueprint dashboard.

Use easy-to-understand graphs and personalized cash flow insights about your account balances, expenses, and transactions across your select accounts to track specific details, such as:
• Changes in your cash flow – month to month, quarter to quarter, year over year, or select a custom time frame for comparison across different points in time .
• Money in, money out by category.
• Expenses – consolidated and presented as numbers or graphs.

Check your Business Blueprint app regularly to identify and anticipate patterns – when there may be highs or lows in your cash flow – so you can plan accordingly to keep your business moving forward.

Receive expense alerts and account balance projections that can help you budget, as you identify and anticipate possible upcoming gaps in your cash flow.

With your Business Blueprint app, you can also take loans, transfer money, and pay vendors, depending on which American Express products you have.

As you plan for future highs and lows in your cash flow, use the Business Blueprint app to explore and apply for a suite of products that provide continued support as you grow your business.

• American Express® Business Line of Credit***
Flexible access to business financing: use what you need when you need it and only pay loan fees on what you use.

• American Express® Business Checking
The digital business checking account with no monthly maintenance fees, 24/7 support, and the ability to earn Membership Rewards® points.****

• American Express® Payment Accept
Accept all major card payments from your customers.

* With American Express Business Blueprint™, customers can view their select business products that automatically appear on their dashboards at login. These products include American Express® Business Line of Credit, American Express® Business Checking, American Express® Payment Accept, and American Express® Business Credit Cards. Customers may also view the eligible external business bank and card accounts they choose to link to Business Blueprint.
To see the full Terms and Conditions, copy and paste the following link into your browser and scroll to the bottom of the page:

** To see the full Terms and Conditions, copy and paste the following link into your browser and scroll to the bottom of the page:

*** To see the full Terms and Conditions, copy and paste the following link into your browser:

**** Terms and Conditions for the Membership Rewards® program apply. Visit 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
American Express® Business Checking is offered by American Express National Bank. Member FDIC

To log in, users must have an existing American Express user ID and password or create one. All access to and use of this app is subject to and governed by the American Express Privacy Statement, American Express Business Blueprint™ App End User License Agreement, and American Express Terms of Service.

©2024 American Express. All rights reserved.

What’s New

Version 12.10.1

Bug fixes and enhancements

Ratings and Reviews

4.8 out of 5
8.5K Ratings

8.5K Ratings

Tarpin & Royce ,

America breathing

Glad that you exist and I’m sure your glad I do too. It is a satisfaction on another level when as a business owner you know you have something or somebody that’s backing you up. You know you can depend on, since most business owners are the ones everyone else depends on. Kabbage is very convenient and the app is very easy to use. I hope that in near future we can work on bigger projects to have much buggier things done for you, me and for America. This kind of harmony between small and large businesses is what makes America breath and stay healthy. Thank you for being around.

Magic square junkie ,

Horrible downgrade from Business Checking

I had such high hopes for my checking for small business. I have been an Amex card heavy user for 20 years. Such a great product with great functionality and service. Unfortunately, this product is just not ready. Amex does not know how to be a bank. Many basic banking functions are not available. I can’t see canceled checks. I can’t see which vendors I’ve paid. I can only see dates and amounts. This is worthless. I’m completely hamstrung. I can’t schedule payments to be made on specific days, only a range. I have to guess if vendors and bills will be paid on time. This is mind boggling as Amex itself is a vendor I pay! I can’t search for transactions which is going to make my taxes this year an absolute nightmare. I am a landlord and need to search for expenses by vendor, HOA association etc to claim my deductions. Honestly, my local credit union app has more functionality. Consumer insight on this product must be nonexistent. Who is steering this ship? Is it Amex Business? Cabbage? Blueprint? The branding is a mess — I don’t know why I expected otherwise. Goodbye, Amex checking. I hardly knew ye.

Lapdjas ,

Credit that disappears when you need it most

I had a Kabbage line of credit for two years which I used when needed to fill shortfalls, and fuel growth. When Covid hit, I had no reason to draw down any funds but felt secure because I had access to a line of credit I could pull from if needed. To my surprise and disappointment... I logged in one day to review an upcoming payment and noticed my available credit showed zero. Kabbage had decided to stop lending, and did not announce it to anyone who already had an existing line! Yep, that’s right... poof gone! The line of credit I had relied on vanished into thin air... even though I had never missed a payment and was only carrying a small balance. Once I noticed I immediately paid off the balance, and will NEVER use Kabbage again! My company works with over 200 small businesses in the bookkeeping and accounting space... I would regularly recommend Kabbage to my clients as a great tool to have in their toolkit... Kabbage will never get another recommendation from us, and I will actively discourage clients from using Kabbage in the future. Unbelievable.

Developer Response ,

We want to apologize for your poor experience with Kabbage. The current circumstances and impact of COVID-19 on our customers have been unprecedented. We are working diligently to do all we can to support small businesses. Please know we are actively reviewing every customer, and we are here to help through this process.

App Privacy

The developer, American Express, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Location
  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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