Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Blue Business® Plus Credit Card from American Express

Learn More

Blue Business® Plus Credit Card from American Express Review

Earn 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases within your first 3 months.

Blue Business® Plus Credit Card from American Express Review

Blue Business® Plus Credit Card from American Express

Learn More

Earn 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases within your first 3 months.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Introduction

The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners looking for simplicity and value in their financial tools. This card stands out for its no-annual-fee structure, making it an economical choice for businesses keen on maximizing their spending efficiency. A highlight of this card is its reward system, which allows cardholders to earn double points on everyday business purchases up to an annual cap, ensuring that routine expenses contribute towards valuable rewards. Additionally, the card offers an attractive introductory APR on purchases, providing businesses with a cushion for their cash flow in the initial months of card membership.

The card’s utility is enhanced by the flexibility it offers in credit limits, catering to the varying financial needs of small businesses. With these features, the Blue Business® Plus Credit Card positions itself as a straightforward yet powerful financial tool for business owners aiming to optimize their spending and reward accumulation without the burden of an annual fee.

Welcome Bonus

Unlike many of its competitors, the Blue Business® Plus Credit Card from American Express does not offer a traditional welcome bonus. This might seem like a significant downside at first glance, especially when compared to other business credit cards that entice new cardholders with substantial points or cash-back offers upon meeting initial spending requirements. However, it’s important to consider the overall value that this card brings to the table beyond a one-time bonus.

The absence of a welcome offer is balanced by the card’s strong rewards program, which allows cardholders to earn 2X points on every dollar of the first $50,000 spent annually and 1X points thereafter without having to navigate complex bonus categories. This straightforward earning structure can be particularly beneficial for small business owners who prefer simplicity and predictability in their reward-earning potential.

Furthermore, the lack of a welcome bonus is somewhat mitigated by the card’s other cost-saving features, such as no annual fee and a 0% introductory APR on purchases for 12 months (followed by a variable APR based on your creditworthiness). These aspects make the Blue Business® Plus Credit Card an appealing option for business owners looking to maximize rewards and minimize costs in the long run.

In evaluating this card, prospective cardholders should weigh the absence of a welcome bonus against the long-term rewards and savings opportunities it offers. For businesses with consistent spending patterns that can take full advantage of the 2X rewards rate of up to $50,000 annually, the Blue Business® Plus Credit Card from American Express can still be a highly rewarding choice​​​​​​​.

Earning Rewards

Earning rewards with The Blue Business® Plus Credit Card from American Express is both straightforward and rewarding, making it a standout choice for small business owners who value simplicity and efficiency in their credit card benefits. The card offers an impressive rewards rate of 2 points for every dollar spent on all purchases, up to $50,000 per year. After reaching this cap, purchases continue to earn 1 point per dollar spent​​. This structure is particularly beneficial for small businesses whose spending patterns are diverse and not confined to specific categories.

The flexibility of earning double points on everyday business expenses, such as office supplies, client dinners, and digital advertising, without the need to track spending across different categories, is a major advantage. This uncomplicated approach to reward accumulation ensures that businesses can focus on their operations while passively earning valuable points. The card’s rewards system is designed to support the financial goals of small businesses, offering a scalable benefit that grows with the company’s expenditures up to the annual limit.

Moreover, the absence of an annual fee adds to the card’s appeal, as it allows businesses to fully capitalize on the rewards earned without subtracting a yearly cost​​. This makes the Blue Business® Plus Credit Card an ideal option for businesses looking for an economical yet effective rewards card.

Despite the generous rate at which points can be earned, cardholders need to be mindful of the $50,000 annual threshold. After surpassing this limit, the rewards rate adjusts to 1 point per dollar, which may influence spending strategies for businesses with higher annual expenses​​. Planning expenditures to maximize rewards within this cap can help businesses make the most out of the card’s offerings.

In summary, The Blue Business® Plus Credit Card from American Express provides lucrative earning potential for small businesses, with a high rewards rate on general purchases and a thoughtful design that aligns with the needs of its cardholders. Its straightforward rewards structure, combined with the absence of an annual fee, positions it as a valuable financial tool for businesses aiming to maximize their rewards earnings efficiently.

Redeeming Rewards

Redeeming rewards with the Blue Business® Plus Credit Card from American Express offers a variety of flexible and valuable options, catering to the diverse needs of small business owners. The Membership Rewards® points accumulated through card use can be leveraged in several ways, enhancing the card’s utility and appeal.

Booking Travel with Points

One of the most advantageous features of this card is the ability to use points for travel bookings. Cardholders can book flights, hotels, and more through the American Express Travel portal, where points can directly pay for travel expenses. The option to transfer points on a one-to-one basis to a wide array of airline and hotel partners further elevates the card’s value for travelers. Partners include major airlines and hotel chains, enabling cardholders to maximize their rewards by pooling points for more significant travel benefits​​.

Using Points at Checkout

American Express has also partnered with various merchants to allow cardholders to use points directly at checkout, including popular online retailers and services like Amazon, Best Buy, Grubhub, and more. This seamless integration provides a direct way to reduce business expenses by applying points to everyday purchases​​.

Statement Credits and Gift Cards

Another straightforward redemption option is applying points as statement credits against eligible charges, effectively lowering the card balance with the rewards earned. Additionally, points can be exchanged for gift cards from a broad selection of retailers, offering another versatile way to utilize rewards, either for business needs or as gifts for clients and employees​​.

Unique Redemption Opportunities

American Express occasionally offers unique redemption opportunities, such as special promotions or limited-time offers, that can enhance the value of points beyond standard redemption methods. Cardholders should stay informed about these options to take full advantage of their rewards​​.

Considerations for Redemption

While the array of redemption options adds to the card’s appeal, cardholders should be mindful of the value associated with each redemption method. Some options, like booking travel through Amex’s travel portal or transferring to airline partners, can offer more value per point than others, such as statement credits or shopping. Making strategic redemption choices based on the comparative value of points can significantly impact the overall benefits derived from the card​​​​.

In summary, The Blue Business® Plus Credit Card from American Express provides a rich and flexible rewards redemption framework, allowing cardholders to tailor the use of their points to best suit their business and personal preferences. From travel enthusiasts to those looking for straightforward ways to offset business costs, the card offers a variety of options to make every point count.

Perks and Benefits

The Blue Business® Plus Credit Card from American Express not only rewards cardholders for their purchases but also enriches their membership with a suite of perks and benefits designed to support and enhance the operations of small businesses. These additional features underscore the card’s value proposition, extending beyond simple rewards to offer comprehensive support for various business needs.

Expanded Buying Power

A standout feature is the card’s Expanded Buying Power, which allows businesses to spend beyond their credit limit. This flexibility is crucial for businesses facing unexpected expenses or seizing timely opportunities without the constraints of a fixed credit limit. The amount available above the credit limit is not unlimited but adjusts based on card usage, payment history, and other financial indicators known to American Express​​.

Amex Offers

Another significant benefit is access to Amex Offers, a program that rewards cardholders with savings or bonus points on purchases with a variety of retailers, including major hotel groups, airlines, and other vendors. This feature can lead to substantial savings and additional reward accumulation through everyday business activities​​.

Free Employee Cards

The provision of free employee cards is a valuable tool for managing business expenses. These cards allow for the extension of card benefits to employees while enabling businesses to track and control spending efficiently. Purchases made on employee cards contribute to the rewards earned by the business, further maximizing the card’s benefits​​.

Travel and Shopping Protections

Cardholders also benefit from a range of travel and shopping protections, including car rental loss and damage insurance. These protections provide peace of mind and financial security when traveling for business or making significant purchases for the company​​.

Customer Service and Business Management Tools

American Express is known for its exceptional customer service, and cardholders of the Blue Business® Plus Credit Card can expect 24/7 support for any inquiries or issues. Additionally, the card comes with access to business management tools, such as the ability to set account alerts, access online statements, and integrate with business accounting software, helping businesses keep their finances organized and under control​​.

In essence, the Blue Business® Plus Credit Card from American Express offers a comprehensive package of benefits and tools designed to support the operational, financial, and strategic needs of small businesses. From enhanced spending flexibility to savings on business expenses and robust protection features, this card positions itself as an essential tool for business owners seeking to optimize their operations and maximize their rewards.

Pros and Cons

Evaluating the Blue Business® Plus Credit Card from American Express through its pros and cons provides a clear lens to understand its value proposition for small business owners.

Pros

  • No Annual Fee: A significant advantage, allowing businesses to fully benefit from rewards and perks without worrying about offsetting a yearly charge​​.
  • High Rewards Rate: Earning 2X Membership Rewards points on the first $50,000 in purchases each year offers substantial value, especially for businesses with diverse spending needs​​.
  • Intro APR Period: The introductory 0% APR on purchases for the first 12 months can provide crucial cash flow flexibility for new businesses or those looking to make significant investments early on​​.
  • Transfer Partners: The ability to transfer points to a wide array of airline and hotel partners enhances the value of rewards, especially for businesses that travel frequently​​.

Cons

  • Spending Caps on Bonus Rewards: The cap of $50,000 in purchases per year for earning 2X points might limit the rewards potential for businesses with higher expenses​​.
  • Requires Good/Excellent Credit: The card is best suited for applicants with strong credit histories, potentially limiting accessibility for some business owners​​.
  • Foreign Transaction Fees: The 2.7% foreign transaction fee makes it less ideal for businesses with international expenditures, as it can erode the value of rewards earned​​.

Comparison to Other Cards

When comparing the Blue Business® Plus Credit Card from American Express to other business credit cards, it’s important to consider how it stacks up in terms of rewards, benefits, and overall value for small business owners.

Comparison with American Express Blue Business Cash™ Card

A direct comparison is often made with its sibling, the American Express Blue Business Cash™ Card. Both cards share the same annual fee structure (none) and similar rewards earning potential on the first $50,000 in purchases each year. The key difference lies in the rewards currency: The Blue Business® Plus offers Membership Rewards points, which are versatile for travel and other redemption options, while the Blue Business CashTM Card offers cash back, which might be more straightforward and appealing for businesses prioritizing direct savings on their bottom line​​​​.

Against Other Business Cards

When pitted against broader competition, such as the Ink Business Preferred® Credit Card and the Capital One Spark Cash Plus, the Blue Business® Plus Credit Card offers distinct advantages, particularly in the no annual fee and the flexibility of rewards redemption. However, the Ink Business Preferred® Credit Card may appeal to businesses with higher spending in its bonus categories or those looking for a higher point value when booking travel through the Chase Ultimate Rewards portal. The Capital One Spark Cash Plus offers a flat cash back rate on all purchases, which could be more beneficial for businesses with expenditures beyond the $50,000 cap of The Blue Business® Plus​​.

Strategic Use in a Business’s Credit Portfolio

The Blue Business® Plus is ideally positioned for businesses that have a moderate level of annual expenses and can maximize the 2x points on the first $50,000 spent annually. For expenses beyond this, businesses might consider pairing it with another card that offers bonus rewards in specific categories or higher rewards after certain thresholds are met.

In conclusion, the Blue Business® Plus Credit Card from American Express holds its ground as a powerful tool for small business owners, offering a strong rewards program without an annual fee. Its value is maximized when used as part of a broader credit strategy, complementing other cards that might offer higher rewards in specific spending categories or beyond the $50,000 spend cap. This card is particularly appealing for businesses looking for flexibility in rewards redemption, especially towards travel.

Conclusion

In conclusion, The Blue Business® Plus Credit Card from American Express presents a robust option for small to medium-sized businesses seeking to maximize their rewards with no annual fee. Its benefits are most compelling for businesses with annual expenses that align with the rewards cap and those that can leverage the card’s travel perks and Amex offers. However, businesses with significant international transactions or those spending well beyond the $50,000 cap may need to consider additional cards to complement their spending strategy. This card stands out for its simplicity, rewards potential, and flexibility, making it a worthy contender for businesses aiming to optimize their credit card rewards.

Frequently Asked Questions

What is the welcome bonus for the Blue Business® Plus Credit Card from American Express?
You can earn 15,000 Membership Rewards® points after spending $3,000 on eligible purchases within your first 3 months of card membership​​.

Is there an annual fee for the Blue Business® Plus Credit Card?
No, the Blue Business® Plus Credit Card from American Express does not have an annual fee, making it a cost-effective choice for business owners​​.

Can I earn rewards on all purchases made with the Blue Business® Plus Credit Card?
Yes, you earn 2 points for every dollar spent on all purchases up to $50,000 per year, and 1 point per dollar thereafter​.

Are there any foreign transaction fees with the Blue Business® Plus Credit Card?
Yes, there is a 2.7% foreign transaction fee on purchases made outside the United States, which is important to consider for businesses with international transactions​.

How does the Blue Business® Plus Credit Card compare to other business credit cards?
The Blue Business® Plus Credit Card is highly competitive, especially for businesses looking for a high rewards rate without an annual fee. It’s particularly strong in terms of reward flexibility and the introductory APR offer. However, businesses with expenses significantly above the $50,000 cap or those that require specific category bonuses might find more tailored benefits on other cards​.

Leave A Reply