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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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Why the Amex Blue Business Plus Card is so underappreciated
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Quick summary
Some small business credit cards offer straightforward rewards with no annual fee, making them appealing for business owners seeking simplicity.
These products typically provide a consistent earning rate on purchases up to a set annual limit, after which the rate decreases.
Benefits may include purchase protection, extended warranty, and access to emergency assistance while traveling.
While welcome offers and premium perks may be limited, these cards can suit freelancers, sole proprietors or those with moderate business expenses.
What to consider
Introductory offers and bonus categories may be less generous compared to premium business cards.
Earning rates are capped at a specific annual spending threshold, with lower rewards beyond that limit.
Some perks like lounge access, travel credits or application fee reimbursements are not included.
What you'll miss from the article
A detailed comparison of how these cards stack up against premium and cash-back business products, including which features best fit different business needs.
Generated by AI with support from our editorial team.
Update: Some offers mentioned below are no longer available. View the current offers here.
While some business credit cards get a lot of attention thanks to sky-high introductory bonuses or value-added benefits that can offset hefty annual fees, it's also worth considering some of the more underrated cards available, especially if you're simply interested in getting a solid rate of return on your business purchases.
Enter The Blue Business® Plus Credit Card from American Express. It might not have the most lucrative welcome offer out there, but nor does it charge an annual fee (see rates and fees). And while you won't be accruing 5x or 10x points per dollar on certain expenditures, you can count on a solid 2x earning rate on up to $50,000 in purchases per calendar year (then 1x) — a ceiling that should suffice for most small businesses, as well as other folks like freelancers, sole proprietors, or even just those with a side hustle.
The Amex Blue Business Plus is one of the most underappreciated business credit cards out there. But it shouldn't be.
Basics of the Amex Blue Business Plus
(Photo by 10'000 Hours/Getty Images)
First, a rundown of the details on the Amex Blue Business Plus.
Current welcome offer
Earn 15,000 Membership Rewards Points after spending $3,000 on eligible purchases within the first three months of card membership; plus 0% intro APR on purchases for 12 months from the date of account opening, then 16.99% - 24.99% variable (see rates and fees).
Annual fee
$0 (see rates and fees)
Earning
This card earns 2 points per dollar on the first $50,000 spent on purchases each calendar year (then 1x)
Benefits
Cardmembers can take advantage of Amex's Expanded Buying Power feature, which allows you to exceed your card's preset spending limit without being declined or hit with over-limit fees and penalties
Add up to 99 additional users (see rates and fees)
Purchase protection of up to $1,000 per occurrence and $50,000 per account per year
Extended warranty protection of up to an additional year on items purchased in the U.S. with warranties of five years or less
Access to Amex's Global Assist Hotline, which provides cardholders with 24-hour emergency assistance when you travel more than 100 miles away from home
The Amex Blue Business Plus has a lot of things going for it. First, there's no annual fee to worry about, so you can carry it year after year without wondering if you derive enough value from its benefits to justify keeping it.
Second, you can earn 2x Amex Membership Rewards points with no bonus categories to memorize — equivalent to getting 4% back on your spending according to the latest TPG valuations — on the first $50,000 in purchases each calendar year. That makes racking up rewards effortless. Plus, when it comes time to redeem them, there are tons of options, including transferring them to Amex's airline frequent-flyer program partners, including Delta SkyMiles and Singapore Airlines KrisFlyer, and hotel partners including Hilton Honors and Marriott Bonvoy.
Finally, this card's purchase protection is among the most comprehensive out there, with high maximum amounts if you need to make large purchases for your business. Speaking of which, you might also be able to take advantage of its 12-month intro APR on purchases to help pay off over time some large expenses your business might incur (responsibly, of course).
In short, the Amex Blue Business Plus is a great everyday card for business owners who don't want to overthink their earning strategy but still want all the advantages that earning transferable Amex points confers.
Cons of the Amex Blue Business Plus
With all that said, there are several drawbacks to the Amex Blue Business Plus. To start, its welcome offer is not especially enticing. Consider, The Business Platinum Card® from American Express currently offers 120,000 Membership Rewards points after spending $15,000 on eligible purchases within the first three months of card membership. Sure, that's five times the spending, but it's eight times the points as you can earn with the Amex Blue Business Plus.
You also might do better with a card that fields bonus earning categories. For instance, the American Express® Business Gold Card, which earns 4 Membership Rewards points per dollar on the two categories where your business spends the most each billing cycle from the following categories (up to $150,000 in combined purchases per calendar year, then 1x on other purchases):
Depending on your typical business expenses, you could be leaving many extra points on the table by settling for the Blue Business Plus card's lower-earning rates.
The Amex Blue Business Plus is a great card for small business owners who wish to avoid an annual fee and don't want to do a lot of legwork to maximize their earning. Its intro APR terms and excellent purchase protection also make it a good choice for those who might need to make large purchases in the near term.
That said, there are better cards out there for earning Amex Membership Rewards points, such as the Amex Business Platinum and the Amex Business Gold. On the other hand, if you'd get more use out of cash back, you might want to consider the American Express Blue Business Cash™ Card instead. It is currently offering $250 cash back via statement credit after spending $3,000 in purchases in the first three months of card membership. It earns 2% back on up to $50,000 in eligible purchases per calendar year, then 1% cash back earned is automatically credited to your statement. It doesn't charge an annual fee either (see rates and fees).
Because of its modest welcome offer and limited benefits, the Amex Blue Business Plus tends to be one of the most underappreciated business credit cards. However, if you can maximize your earnings with it and want to avoid an annual fee, it represents a solid value choice that many small businesses will be able to leverage for a sizable haul of Amex Membership Rewards. That said, there might be better options out there for you if you're looking for a card with more premium perks and more earning opportunities.
By commenting, you agree to our Community Guidelines to help create a positive space for conversation. The responses below are not provided or commissioned by the bank advertiser, our partners, or The Points Guy (“TPG”). They have not been reviewed, approved, or otherwise endorsed by any of these parties. All responses are submitted by individual contributors, and neither the bank advertiser, our partners, nor TPG are responsible for ensuring that all posts and/or questions are answered.
