American Express Launches New Digital Enhancements to Business Blueprint™ for Business Card Members

American Express announced new product updates and analytics enhancements to its digital cash flow management hub, American Express Business Blueprint, to help small business Card Members better understand their cash flow trends.

The new features provide a more seamless and integrated digital experience for Business Card members to efficiently manage their cash flows, plan future finances through external account integration, comprehensive data analytics, more personalized insights and notifications, as well as expediated payments and advanced planning options. 

“American Express Business Blueprint gives small businesses greater visibility into and understanding of their cash flow to support their growth,” said Gina Taylor, EVP and GM, American Express Business Blueprint and Banking. “These new data enhancements take our backing for U.S. small businesses one step further, allowing them to aggregate more of their business data in one place to help them simplify running their business.”

Recently, the American Express Small Business Financial Confidence Report showed that 32% of small business leaders surveyed wish they had more guidance about cash flow, and 31% want more guidance on managing expenses¹.

American Express Business Blueprint Updates

New analytics enhancements to Business Blueprint’s My Insights give Business Card Members:

•  The ability to link eligible external bank and card accounts to Business Blueprint, providing an aggregated, enhanced view into their business cash flow.
• Expense alerts on a customer’s online dashboard, notifying them of abnormal spending to better manage their cash flow. 

Business Checking Enhancements

To continue to support ongoing cash flow management for small businesses, customers of American Express® Business Checking, the company’s first proprietary checking product for businesses, can enjoy features, including:

•  An improved mobile check deposit experience for customers to access funds more quickly, with most deposits made available by the next business day.
• Scheduling recurring and future-date payments, up to one-year in advance

ABOUT AMERICAN EXPRESS BUSINESS BLUEPRINT

American Express is a renowned Card issuer in the US, providing Card Members a broad array of benefits such as redeemable rewards, access to airport lounges, dining experiences and other travel and lifestyle benefits. American Express Business Blueprint, which was launched in January 2023, is one of the latest services available to business Card Members. Accessible for free for any small business located in the U.S. or territories of the U.S., it provides cash flow insights, dynamic forward-looking balance projections based on money-in and money-out trends², digital financial products³, and an easy way to reach and manage American Express Business Cards.

Products available via Business Blueprint include:

•  American Express® Business Checking, which upon application approval  offers customers digital tools for banking on-the-go, no monthly fees or minimums, and the ability to earn 1.30% APY on balances up to $500,000 and earn Membership Rewards® points on Business Debit Card purchases.
•  American Express® Business Line of Credit, which provides a quick online application, flexible access to funds, loan term length options of 6-, 12-, or 18-months subject to eligibility criteria, and customers only pay fees for what they borrow.

Signing up for American Express Business Blueprint is free for small businesses located in the U.S. and territories of the U.S. Existing American Express customers may use their American Express login to start today, either online or via the American Express Business Blueprint Android or iOS app.

Learn more at www.americanexpress.com/business-blueprint. American Express business products are subject to separate eligibility, applications, approvals, and fee structures.

ABOUT AMERICAN EXPRESS

American Express is a globally integrated payments company, providing customers with access to products, insights, and experiences that enrich lives and build business success. Learn more at americanexpress.com and connect with us on facebook.com/americanexpress, instagram.com/americanexpress, linkedin.com/company/american-express, twitter.com/americanexpress, and youtube.com/americanexpress.

¹Survey conducted in partnership with Morning Consult, polling 550 financial decision makers, including 250 at businesses with less than 10 employees, 200 at businesses with 11-100 employees and 100 at businesses with 101-500 employees. The margin of error for the full sample is +/- 3 percentage points.

²My Insights technology looks at historic income and expense trends from connected accounts. We must have at least 90 days of historical data before we can generate projections. The information provided through My Insights, an American Express Business Blueprint feature, does not constitute legal, tax, financial or accounting advice, and should not be considered a substitute for obtaining competent personalized advice from a licensed professional.

³All American Express business products are subject to separate eligibility, applications, approvals, and fee structures.