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the American Express Blue Business Plus: A Comprehensive Maximizing Rewards Guide

It can be quite challenging to make sense of the business credit card landscape, but the American Express Blue Business Plus Card certainly stands out from the crowd. This card, specifically crafted for small businesses, offers a host of valuable features at no annual cost. Let’s delve into the offerings of the Blue Business Plus Card and help you determine whether it’s the ideal choice for your business requirements.

Key Takeaways

  • The American Express Blue Business Plus Card offers no annual fee, flat-rate rewards, and competitive benefits.
  • Earn 2X Membership Rewards points on up to $50,000 of everyday business purchases per year plus a welcome bonus of 15,000 Points upon spending $3K in the first 3 months.
  • Maximize rewards by strategically combining with other cards and utilizing transfer partners.

American Express Blue Business Plus

  • Earn 2X Membership Rewards points on everyday eligible purchases
    (*Up to $50,000 per calendar year. After that, earn 1X membership rewards points.)
  • 0% intro APR for 12 months from opening.
  • 15,000 Membership Rewards after spend $3,000 in purchases on your card in your first 3 months
  • No annual fee.
  • Transfer partners.
  • Employee card at no cost.
  • The spending cap is not unlimited.
  • Requires Good/Excellent score.
  • Foreign transaction fee: 2.7%

Key Features of the American Express Blue Business Plus Card

American Express Blue Business Plus card on a desk with office supplies

The American Express Blue Business Plus Card offers:

  • No annual fee
  • Flat-rate rewards
  • Exciting benefits like expanded buying power
  • Part of the American Express Membership Rewards program
  • Highly competitive rewards rate among small-business cards with no annual fee

The American Express Blue Business Plus Card is a fantastic choice not only for established small business owners but also for those who are just starting their entrepreneurial journey or even those who don’t yet have a business.

While the point redemption value can occasionally be on the lower side and spending caps might restrict your reward earnings, the wide variety of benefits provided by the Blue Business Plus Card often outweigh these minor drawbacks. This makes it a top pick for a broad spectrum of users, from seasoned small business owners to those who are just beginning their entrepreneurial adventure.

The card is particularly advantageous for small businesses due to its no annual fee feature, which reduces overhead costs. Its flat-rate rewards system is also a great way to ensure a steady stream of benefits, regardless of the type of purchases you make. Moreover, the card’s membership in the American Express Membership Rewards program opens up a world of possibilities for redeeming points, from travel to shopping to statement credits.

For those just starting out in their entrepreneurial journey, the American Express Blue Business Plus Card can serve as a valuable tool for managing business expenses and maximizing rewards. Its competitive rewards rate makes it a strong contender in the field of business credit cards, even when compared to cards with annual fees.

So, whether you’re a seasoned business owner looking to maximize your rewards or a budding entrepreneur seeking a business credit card that offers value and flexibility, the American Express Blue Business Plus Card is definitely worth considering.

How to Earn Rewards

With the Blue Business Plus Card, you can amass double Membership Rewards points on your daily business expenditures, capped at $50,000 per annum. Beyond this threshold, you earn single points on all purchases. This straightforward yet potent rewards scheme assists in managing your business’s financial resources effectively while maximizing your points gain.

In addition to this, the card’s rewards program is designed to adapt to your business’s spending habits. Whether you’re spending on office supplies or client meals, you can earn points on all of these transactions. This means that as your business grows and your spending increases, so too does your potential to earn rewards.

You can boost your Membership Rewards points gain by utilizing the card for all business-related expenditures and taking advantage of the Amex transfer partners. Bear in mind that the annual cap for purchases that earn rewards is $50,000. By strategically using the Blue Business Plus Card for your business expenses, you can fully exploit the card’s rewarding benefits.

Moreover, the card’s flexible rewards system allows you to redeem your points in a variety of ways, from travel to shopping to statement credits. This gives you the freedom to use your rewards in a way that best suits your business needs. So, not only does the Blue Business Plus Card help you earn rewards, but it also gives you numerous options for using those rewards.

Welcome Bonus

The American Express Blue Business Plus Card boasts an enticing welcome bonus. Should you spend $3,000 on qualifying purchases within the initial 3 months of Card Membership, you’ll be rewarded with 15,000 Membership Rewards points. This bonus serves as an excellent starting point for your rewards accumulation and enables you to derive greater benefits from your card.

It’s important to mention that qualifying purchases for the welcome bonus encompass everyday business costs such as office supplies and client meals. By utilizing the Blue Business Plus Card for these types of expenses, you’re on the right track to earning the welcome bonus and fully leveraging the card’s plethora of benefits.

Get Approved With No Business

Are you a self-employed professional or small business owner? Good news: You’re eligible to apply for the American Express Blue Business Plus Card if you have a legitimate business. This card isn’t just for traditional businesses. It’s also tailored for digital entrepreneurs and freelancers. Whether you’re a web designer, freelance writer, consultant, or an artist selling your creations online, this card is for you. The eligibility isn’t confined to a specific business type, making it a versatile choice for a diverse array of professionals.

  • running an Etsy shop
  • offering freelance graphic design work
  • providing consultancy services
  • managing a small e-commerce site
  • offering tutoring services
  • running a food truck
  • providing landscaping services

and just about anything else.

Eligibility for the Blue Business Plus Card requires a solid credit history, but there’s no minimum income prerequisite. As long as you run a legitimate business, you’re qualified to apply for this card and potentially enjoy all the advantages it provides.

Check this article that talking about applying a business credit cards without a business:

Benefits and Perks of the Blue Business Plus

Small business owner using the American Express Blue Business Plus card for business expenses

One of the standout features of the Blue Business Plus Card, a favorite among business credit card users, is the Expanded Buying Power. This unique feature allows cardholders to go beyond their credit limit without incurring over-limit fees, provided the total balance is paid off each month. This flexibility can be a lifesaver for small business owners needing to make large purchases or tackle unexpected costs.

Expanded Buying Power

The feature of Expanded Buying Power on the Blue Business Plus Card is a game-changer for many small business owners. It provides you with the opportunity to go beyond your credit limit based on your creditworthiness and other factors. This becomes particularly handy during periods of high business expenditure or emergencies.

Your additional credit limit is determined by elements such as your card usage, payment and credit history, and the financial information you provided during the application process. Bear in mind that this additional credit limit can be revised based on the same factors that were considered when setting the initial limit. By keeping a good track record of your credit and payment history, you can ensure a higher level of expanded buying power and enjoy more flexibility with your card.

Travel and Non-Travel Benefits

Traveler with luggage and a credit card, representing travel benefits of the American Express Blue Business Plus

To clarify, the secondary car rental loss and damage insurance offers coverage in case your rental vehicle is damaged or stolen, potentially saving you significant costs and hassle. This benefit can be especially beneficial for business owners who frequently travel, helping to minimize potential expenses related to rental vehicles.

The Global Assist Hotline is another great feature, offering round-the-clock access to medical, legal, financial, and other emergency assistance services when you’re over 100 miles away from home. Whether you’re dealing with a medical crisis or need legal advice, the hotline is there to help, making your travels less worrying and more secure.

But the perks of the Blue Business Plus Card aren’t limited to travel. It also offers non-travel benefits such as purchase protection, which covers accidental damage or theft for up to 90 days after purchase, with a limit of $1,000 per incident and $50,000 per calendar year. With these valuable benefits, the Blue Business Plus Card becomes a compelling choice for small business owners in search of a comprehensive credit card

Rates and Fees Associated with the Blue Business Plus

Comparison of credit cards with financial elements, representing rates and fees

It’s important to be aware of the rates and fees associated with the Blue Business Plus Card, despite its many advantages. The card features a 0% intro APR on purchases for the first 12 months, which could be beneficial for businesses needing to make large purchases or manage cash flow. After this period, a variable APR is applied.

The Blue Business Plus Card does have a drawback in its 2.7% foreign transaction fee. If your business frequently engages in international transactions, it might be worth considering a credit card that doesn’t charge foreign transaction fees. However, for small business owners who place a high value on rewards and benefits over occasional foreign transaction fees, the Blue Business Plus Card remains a solid choice.

Comparing the Blue Business Plus to Other Business Credit Cards

Comparison of business credit cards, including the American Express Blue Business Plus

When choosing the right credit card for your business needs, it’s essential to compare the American Express Blue Business Plus Card with other leading business credit cards such as the Blue Business Cash Card and the Chase Ink Business Unlimited Card. By identifying the similarities and differences among these cards, you can make an informed decision on the best card for your business.

Amex Blue Business Plus vs. Amex Blue Business Cash

Amex Blue Business Plus
americanexpress.com
Amex Blue Business Cash
americanexpress.com

The Blue Business Plus Card and the Blue Business Cash Card differ primarily in their rewards programs.

The Blue Business PLUS Card offers:

  • The Blue Business Plus Card lets you earn 2X Membership Rewards points.
  • Expanded buying power
  • Travel and non-travel benefits.

Meanwhile, the Blue Business Cash Card provides 2% cash back.

If your company leans towards a simple cash-back rewards approach, the American Express Blue Business Cash Card might be a more suitable option. However, if the extra benefits and flexibility that the Blue Business Plus Card offers align more with your business needs, this card could be the perfect fit for you.

Blue Business Plus vs. Chase Ink Business Unlimited

americanexpress.com
chase.com

Comparing the Blue Business Plus Card to the Chase Ink Business Unlimited Card, there are differences in welcome bonuses and long-term value. The Blue Business Plus Card offers a welcome bonus of 15,000 Membership Rewards points upon spending $3,000 in the first 3 months, while the Chase Ink Business Unlimited Card offers $900 bonus cash back upon spending $6,000 on purchases in the first 3 months from account opening.

In the long run, the Blue Business Plus Card may provide the most value, especially if you plan to take advantage of its travel and non-travel benefits.

However, if you prefer a card with a cash-back rewards structure, the Chase Ink Business Unlimited Card, which offers 1.5% cash back on all purchases, could be a better fit.

Best Strategies to Maximize Amex Blue Business Plus Rewards

To optimize the rewards of your American Express Blue Business Plus Card, think about combining it with another card, like a business card or travel card that aligns with your spending habits. This way, you can optimize your rewards earnings across various categories and get the most value out of your credit card rewards.

One of the best ways to maximize the value of your Membership Rewards points is by redeeming them for air travel through the Amex Travel portal or transferring them to a partner airline or hotel. On average, each point is estimated to be valued at approximately 2.0 cents when transferred to a partner airline or hotel. By strategically using your Blue Business Plus Card and its transfer partners, you can get the most bang for your buck with your rewards points.

Lastly, maintaining a close watch on your spending and reward earnings is crucial. Regular account monitoring ensures you’re fully utilizing the benefits of your card. By actively managing your Blue Business Plus Card, you’ll not only maximize your rewards but also better understand your business’s spending habits, helping you make more informed financial decisions.

Maximize Your Card Rewards with MaxRewards

MAX REWARDS
https://maxrewards.com/

MaxRewards is a tool that can help you maximize your Amex offer. It’s like having a smart assistant in your pocket, always ready to recommend the best card to use for every purchase, especially for local shopping. It keeps track of all your offers, monitors how you’re utilizing those well-deserved rewards, and organizes all your card details – such as due dates and balance – in a tidy manner. Curious about which card offers the most cash back at a specific store? MaxRewards has your answer.

It’s also proficient at exporting your reward balances into convenient Excel and PDF files, and it’ll even alert you when those points are about to expire. If you enjoy keeping tabs on your rewards, recent purchases, and total earnings, the free version will suit you perfectly. But remember, MaxRewards doesn’t replace professional financial advice, so it’s always wise to consult a financial advisor for personalized advice.

Summary

In conclusion, the American Express Blue Business Plus Card provides a competitive rewards program, valuable benefits, and flexible spending options, making it an attractive choice for many small business owners. By understanding the card’s features, comparing it to other popular business credit cards, and employing smart strategies to maximize rewards, you can get the most value out of your Blue Business Plus Card and help your business thrive.

Frequently Asked Questions: the American Express Blue Business Plus

The Blue Business® Plus Credit Card from American Express is likely a good option for small business owners with an annual budget up to $50,000. It offers no annual fee, a solid intro APR offer on purchases, and a decent rewards rate on up to $50,000 in purchases per year. However, it may not be as beneficial for big spenders due to caps on bonus rewards.

The Blue Business CashTM Card from American Express offers a credit limit that ranges from $1,000 to $20,000 and higher depending on creditworthiness. Additionally, the card gives you access to expanded buying power.

Getting an American Express Blue Business Card is not easy since it requires applicants to have good to excellent credit (generally a score of 690 or higher) and a satisfactory income. Other factors will also be taken into consideration when reviewing applications.

The Blue Business Plus Card offers a welcome offer of 15,000 Membership Rewards Points after spending $3,000 in eligible purchases within the first three months, 0% introductory APR on purchases for 12 months, and $200 cash back after spending $1,500 in the first 6 months. Plus, you can earn 2 points per dollar on all purchases up to $50,000 annually (1x thereafter). Terms apply.

The American Express Blue Business Plus Card does not have an annual fee.

Check out Amex Blue Business Plus in Japanese: https://credit.meoto-ny.com/amex-blue-business-plus/

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