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

Dec 16, 2019

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Update: Some offers mentioned below are no longer available. View the current offers here- The Blue Business® Plus Credit Card from American Express

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.

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.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

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

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.