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The Amex Blue Business Plus is perfect for small business owners who are looking for a simple, less complicated and affordable business credit card.
Most business cards have high annual fees that can range between $100- $600 but the Blue Business plus is a no-annual-fee card that comes with a solid flat rate for earning points so you can rack up points a lot faster.
Before you decide on getting this card, lets’ dive in to some of the important details that you need to know!
- Earn 2X Membership Rewards points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit with Expanded Buying Power.
- Free employee cards
- See Rates & Fees
The card doesn’t have annual fees but it does carry foreign transaction fees.
You can even get more value with your points through travel transfers. You can redeem your points between 0.8 cents to 1.2 cents apiece (or even more) through these transfer partners below.
- Asia Miles – 1:1
- British Airways Executive Club – 1:1
- Delta SkyMiles – 1:1
- Emirates Skywards – 1:1
- Etihad Guest – 1:1
- Finnair Plus – 1:1
- Flying Blue – 1:1
- Iberia Plus – 1:1
- Marriot Bonvoy – 2:3
- Qantas Frequent Flyer – 1:1
- SAS EuroBonus – 1:1
- Singapore KrisFlyer – 3:2
- Virgin Atlantic Flying Club – 1:1
- Hilton Honors – 1:2
- Marriot Bonvoy – 2:3
- Radisson Rewards – 1:3
- Club Eurostat – 15:1
- Nectar – 1:1
The simplicity of the Amex Blue Business Plus makes it stand out from other business credit cards. It doesn’t have rotating categories so you don’t have to worry about where and when to spend to earn the most points on your card.
You’ll earn 2x points on all business purchases whether it’s for office supplies, client dinners, travel expenses, and more. The 2x rate applies to the first $50,000 of your credit card purchases within a calendar year. If you meet that threshold before the year ends, you’ll only earn 1x point on your purchases.
Just take note that a flat rate card might not be the best cad for everyone. For example, if you’re a business owner who spends a lot on travel purchases, it’s best to pair the Amex Blue Business Plus with other business cards that offer higher rewards on travel purchases.
A good example would be the World of Hyatt Business Credit Card that comes with a 75k welcome bonus and earns up to 9x points on Hyatt stays and experiences. Or the Amex Business Platinum that comes with a 120k welcome bonus and earns 5x points on prepaid flights and hotels.
Since the Amex Blue Business Plus has a spending limit, it’s good to have at least two cards so you can maximize earning points.
Expanded Buying Power
The expanded buying power feature allows cardholders to spend over their credit limit for whatever reasons they have. Just remember to pay the balance of your additional fees in full before your due date arrives.
This feature allows you to make purchases with ZERO interest within the first 12 months of card membership, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening (Terms Apply). It’s best if you take advantage of this benefit by making big purchases within your first year.
Free Employee Cards
You get up to 99 FREE employee cards which can also earn points that go straight to your account. Rather than earning points with only one card, this method makes it easier for you to rack up points a lot faster.
Pros & Cons
- No annual fees
- High rewards rate
- Intro APR period
- More than 10 transfer partners
- 2x earnings have a spending threshold of $50,000
- No premium travel benefits like lounge access or elite status
- Have foreign transaction fees at 2.7%.
Who Is The Card For?
Since the Amex Blue Business Plus earns a flat 2x points per $1 and has a spending cap of $50,000, it’s perfect for small business owners who only have a few spending categories through the year.
Small business owners can also use the card to make big purchases within one year of card membership to avoid paying interest.
The Amex Blue Business Plus’s main drawback is its $50,000 spending cap. There are other cards that comes with the same benefits but don’t have limitations on spending.
Capital One Spark Miles for Business
The Capital One Spark Miles for Business comes with a 50K welcome bonus after spending $4,500 within three months of card membership. It also earns 2x miles on everything but it does not have a spending threshold. However, it does have an annual fee of $95 but it’s waived for the first year.
Chase Ink Business Cash Credit Card
If you’re okay with rotating categories, the Chase Ink Business Cash is for you! The card has a 5% and 2% earning rate but each category has a spending limit of $25,000. You’ll also get $750 cash upon signing up if you meet the spending threshold of $7,500 within the first three months of getting the card.
The Amex Blue Business Plus is perfect for small-time business owners who don’t spend more than 50k each year. You’re better off with the Capital One Sparks Miles for Business even though it has an annual fee or you can opt for a premium business credit card such as the Amex Business Platinum.
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