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7 reasons why the Amex Blue Business Plus Card should be in everyone’s wallet

Dec. 16, 2019
4 min read
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With hundreds of business credit cards on the market -- all with different fees, rewards and redemption options -- choosing the perfect card for your company and lifestyle can be confusing. We believe The Blue Business® Plus Credit Card from American Express is an underrated card that deserves your consideration. American Express designed this card for small businesses and sole proprietorships using a straightforward reward system. You can earn rewards on everyday spending as well as business expenses, with no annual fee (see rates and fees).

Here are the pros and cons of the Blue Business Plus card.

No annual fee and 0% APR

There is no annual fee to carry the Blue Business Plus, so there's really no reason not to apply (unless you're watching your card limit under the Chase 5/24 rule in order to get a Chase card). There's also 0% APR on purchases for the first 12 months from account opening (see rates and fees), making this a great card to use for a large business purchase. You'll have a year to pay off the balance before the standard 13.24%-19.24%, variable purchase APR applies (see rates and fees).

Membership Rewards points

Amex Membership Rewards points are some of the most valuable on the market. Amex has the largest network of transfer partners of any major credit card loyalty program in the U.S., which means you can transfer your points to any of Amex's 22 partners — 19 airlines and three hotels. This gives you access to promotional offers from airline and hotel programs around the world.

Simple reward structure

You'll earn 2x points per dollar on every purchase you make on the Blue Business Plus card for the first $50,000 you spend annually. The rate drops to 1x after that. This is one of the best rates for any business card on everyday spending. There are no bonus categories to keep track of and no exceptions.

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The only downside is that you may be forgoing larger bonuses offered by other cards in certain spending categories. For instance, if your business books many flights, this card would work best in tandem with The Business Platinum Card® from American Express.

Employee cards

Another perk is that American Express allows you to add up to 99 employee cards, which allows you to keep earning 2x points on employee per diem spending.

Expanded buying power

Amex allows you to exceed your credit limit for big purchases, depending on your previous use of the card, payment history and credit history. The additional spending must be paid by a specific due date; your full credit limit amount can be carried forward.

Insurance benefits

Amex cards come with a slew of insurance benefits and the Blue Business Plus is no exception. Cardholders will enjoy:

  • Extended warranty protection that matches the original manufacturer's warranty for warranties under two years and provides an additional two years on warranties lasting two to five years
  • Purchase protection on any eligible item that is lost, damaged or stolen for up to 120 days (90 for New York and other select states) from date of purchase; Amex covers all purchases made on your card up to $1,000 per incident for a maximum of $50,000 per calendar year.
  • Baggage insurance on bags damaged, stolen or lost on a common carrier up to $1,250 for carry-on and $500 for checked baggage for each covered individual
  • Car rental loss and damage insurance up to $50,000 (This is secondary insurance, meaning you'll still have to file a claim with your primary insurance provider.)
  • Global assist hotline can provide you with information on customs information, passport and visa information, cultural inquiries, foreign exchange rates, inoculation information, emergency translation and interpretation, lost-item search, missing luggage assistance, card cancellation, urgent-message relay, medical emergency assistance and more.

Bottom line

Although there are no special bonus categories, the Amex Blue Business Plus card is one of our favorite small-business credit cards and a great way for business owners to earn valuable Membership Rewards points on both business purchases and everyday spending. It can also be a great complementary card to make purchases that fall outside other business-rewards cards bonus categories.

For rates and fees of the Blue Business Plus card, click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
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TPG featured card

Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards

1 - 10X points
10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases

Intro offer

80,000 bonus points
Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$550

Recommended Credit

740-850
Excellent
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best premium travel card for value
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

10xEarn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5xEarn 5x total points on flights through Chase Ultimate Rewards®.
3xEarn 3x points on other travel and dining.
1xEarn 1 point per $1 spent on all other purchases
  • Intro Offer
    Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®

    80,000 bonus points
  • Annual Fee

    $550
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    740-850
    Excellent

Why We Chose It

If you are looking to take your premium rewards to the highest level, this card is really a no brainer in our eyes. Chase's Ultimate Rewards make points easy to redeem, with a wide range of 10 airline and three hotel transfer partners and a friendly user interface. Despite the high annual fee, Chase is consistently adding new benefits to keep the card competitive in a fierce premium rewards field.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel through Chase Ultimate Rewards®
  • Broad definitions for travel and dining bonus categories

Cons

  • Steep $550 annual fee
  • May not make sense for people that don't travel frequently
  • You must spend the $300 travel credit before earning 3x points for travel and dining
  • No automatic hotel elite status
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,200 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,200 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more