Amex Blue Business Plus Card — Full Review [2024]

Great Card If

• You want a card with a simple point-earning structure, so you don’t have to worry about bonus categories
• You want a card that earns transferable rewards
• You want a card that does not charge an annual fee (rates & fees)

Don’t Get If

• You want a card that offers bonus categories where your business spends the most
• You want a card that offers travel perks
• Your business spends significantly more than $50,000 each year

Amex Blue Business Plus Card — Is It Worth It?

The Amex Blue Business Plus card is well worth it for small business owners seeking a card with a simple point-earning structure to put all of their business expenses on. Since the card earns 2x points on up to $50,000 in annual spending, the Amex Blue Business Plus card is one of the best credit cards for monthly bills for business owners.

Of course, the card does more than just earn points. It’s also great for business owners who want employee cards without additional fees and benefits such as purchase protection and extended warranty protection.

Better yet, you receive all of the card’s great earning potential and benefits without an annual fee. Without a doubt, the Amex Blue Business Plus card is a favorite among Upgraded Points team members, including Chris Hassan, Social Media and Brand Manager, who said:

“A $0 annual fee card that earns 2x Amex points? The Amex Blue Business Plus is a no-brainer for me. When you factor in all the extras that are included like access to Amex Offers, transfer partners, purchase protection, car rental insurance, and more, I don’t know why more people don’t have this card.”

Chris Hassan, Social Media and Brand Manager

Amex Blue Business Plus Card Top Benefits

Add Employee Cards for No Additional Fee

When you’re running a business, you want your employees to be able to get what they need without having to exchange a single credit card back and forth. With the Amex Blue Business Plus card, that won’t be an issue, as you can add as many employee cards as you’d like for no additional fee (rates & fees).

Purchase Protection

Purchase an item with your card, and you’re covered for up to 90 days towards accidental damage or theft. The coverage is limited to up to $1,000 per occurrence, up to $50,000 per calendar year.

Extended Warranty Protection

Any time you purchase an item with your card that has a warranty of 5 years or less, your Amex Blue Business Plus card extends that coverage by 1 additional year.

Best Ways To Earn and Redeem Your Amex Points

You can easily use your card for all of your business expenses to rack up points. But there are many other great ways to earn Membership Rewards points that you can take advantage of.

Using Amex transfer partners is the best way to redeem your Membership Rewards points. This allows you to book fantastic premium cabin flight redemptions for a fraction of what they usually cost.

Alternative Cards to the Amex Blue Business Plus Card

Ink Business Unlimited^® Credit Card

The Ink Business Unlimited card is worth considering if you want a no-annual-fee business card that earns flexible rewards on a simple earning structure. The card earns 1.5% back on eligible purchases, making it a much better option if your business has a lot of annual expenses.

Ink Business Preferred^® Credit Card

If you’re looking for a more well-rounded option that allows you to maximize categories where your business spends the most, the Ink Business Preferred card might be a perfect fit. The Ink Business Preferred card earns 3x points on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, and internet, cable, and phone services.

The Ink Business Preferred card could help your business earn thousands of Chase Ultimate Rewards points annually if your business spends a large amount of money on any of these categories.

We’ve also compared the Amex Blue Business Plus card to these other popular cards:

• Amex Blue Business Plus Card vs. Ink Business Premier^® Credit Card

For the purchase protection benefit of the Amex Blue Business Plus card, when an American Express^® card member charges a covered purchase with their eligible card, purchase protection can help protect their covered purchases for up to 90 days from the covered purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the Amex Blue Business Plus card, when an American Express^® card member charges a covered purchase to an eligible card, extended warranty can provide up to one extra year added to the original manufacturer’s warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your card for the item up to a maximum of $10,000; not to exceed $50,000 per card member account per calendar year. Eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Blue Business Plus card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.