All Business Expenses
By far the best way to earn as many points as possible with your Amex Blue Business Plus card is to use it for all of your various business expenses.
Since the card does not offer any category-specific bonus categories and instead earns 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter), you’ll want to use your card for every purchase you can in order to rack up the points.
If your business is able to meet the $50,000 spending cap, you’ll be able to earn 100,000 Membership Rewards points each year — which we value at $2,200!
Amex Offers are available to all American Express cardholders and present a great option to earn extra value out of your card. Each month, you’re presented with dozens of offers from different merchants that can be added to your card.
Thanks to your Amex Offers, you can earn additional Membership Rewards points or even statement credits when you attach a specific offer to your card, and then make a purchase with that merchant.
Rakuten is an online shopping portal that allows you to earn cash-back or Amex Membership Rewards points when you shop at one of the stores listed on their platform. Rakuten offers over 2,000 stores on its platform where you can receive discounts and earn additional Membership Rewards points for things you were planning to buy anyway.
If you know another business owner who you think might like to have the Amex Blue Business Plus card, or perhaps another business or personal American Express card, then you can send them your Amex Refer-a-Friend link.
If they are approved for the card then you will receive a referral bonus of 10,000 Membership Rewards points, up to a max of 50,000 Membership Rewards points per year.
Hot Tip: The friend you refer does not have to apply for the same Amex card that you hold. So if your friend would rather have a Delta card or a Hilton card, you will still receive bonus points for referring them.
Adding More Membership Rewards Cards
An obvious way to earn more Membership Rewards points is by holding multiple Membership Rewards earning cards. By doing this you can optimize your point-earning based on the respective bonus categories for each card you have.
Consider the American Express® Business Gold Card that earns 4x Membership Rewards points per $1 on the 2 categories where your business spends the most from 6 select categories.
With this 2-card setup you could use the Amex Business Gold card to earn 4x Membership Rewards points per $1 on the 2 areas where your business spends the most each month, and put all of your other expenses on the Amex Blue Business Plus card to earn 2x points per $1.
Bottom Line: If you’re curious about other options you have to earn more points, check out our best ways to earn Membership Rewards points!
When it comes to deciding how to redeem your Membership Rewards points, American Express offers several options that can vary quite a bit in value depending on what is most important to you.
At Upgraded Points, we think American Express Membership Rewards points are one of the most valuable credit card point currencies that you can earn. This is partly due to the many redemption options the points have, but also because of their ability to be transferred to one of Amex’s airline transfer partners.
Our favorite way by far to get the maximum value out of Membership Rewards points is to use them to book business class and first class award flights, which can usually cost thousands of dollars, for just a few dollars in taxes and fees.
Hot Tip: If you need help getting started on how to use the American Express transfer partners, check out our detailed guide on how to use them.
Transfer partners aren’t the only way to use your Membership Rewards points for travel. You can also redeem them to offset any purchases made through the Amex Travel portal, including flights, hotel stays, or even rental cars.
This can make for a good option for people who value simplicity and do not want to spend time transferring points and searching for award space. But for what you make up in simplicity, you lose in points value, as redeeming Membership Rewards points through Amex Travel gives you just 1 cent per point in value when applied towards airfare, and just 0.7 cents per point when used for anything else — like hotels or rental cars.
If you’re more of a cash-back person or don’t really travel much, you can redeem your Membership Rewards points to cover any purchases you’ve made with your card as a statement credit.
But keep in mind that when you redeem your Membership Rewards points this way the value drops even further to just 0.6 cents per point. So unless you have absolutely no time, or no desire to travel, we would not recommend redeeming your Membership Rewards points this way.
You can also cash in your Membership Rewards points for gift cards with many different affiliated American Express merchants. When you redeem your points this way, they’ll be worth 0.7 cents to 1 cent per point. If you have no plans to use your points for travel, this might be a good option if you redeem your points for a gift card that you’re certain you’ll be using.
But do keep in mind that redeeming your points for a gift card locks the value of those points with only 1 specific merchant. So if you prefer more flexibility, you might be better off redeeming your Membership Rewards points as a statement credit that can be applied to any purchase.
Shop With Points
When you link your Amex Blue Business Plus card to your Apple, Amazon, or Grubhub account, you can then opt to use your Membership Rewards points at checkout, instead of charging the purchase to your card. This redemption option will give you a value of 0.7 cents per point for your Membership Rewards points.
Again, this could be worth considering if you have no plans for travel, and planned to offset any of these purchases via statement credit anyways. Otherwise, you should save them for a higher value redemption.
Bottom Line: At Upgraded Points, we highly recommend using your points with American Express transfer partners. This option is by far the best way to maximize value for your Membership Rewards points — and it is the most fun! Due to that, unless you’re unable to travel, we do not advise you to use your points for any option that only earns 1 cent per point or less.