7 Valuable Benefits of the Amex Blue Business Plus Card

One of our favorite business credit cards is The Blue Business^® Plus Credit Card from American Express. This card comes with tons of ways to earn points and adds extra protection to your purchases with all the great insurance benefits provided by American Express. All the ways you can earn Membership Rewards points and utilize the benefits make this card an easy choice for any business.

Benefits You Need To Know

Earning lots of points in a flexible rewards program is the hallmark of a great rewards card. The Amex Blue Business Plus card is a 0% APR business credit card that provides some interesting benefits that can really benefit you and your business.

Here’s a quick snapshot of the card before we dig into the benefits:

Terms Apply / Rates & Fees

The Blue Business^® Plus Credit Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

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The Blue Business^® Plus Credit Card from American Express

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

UP's Offer Valuation*:

Up to $330

Annual Fee

No annual fee

APR

17.24% - 27.24% Variable,0% on purchases for 12 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business^® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

Pros & Cons

Pros

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost

Cons

• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status

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Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.24% - 27.24%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X 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. Terms and limitations apply.
• You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
• No Annual Fee
• Terms Apply.

Financial Snapshot

• APR: 17.24% - 27.24% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Rewards Center

American Express Membership Rewards

1. Bonus Points

The Amex Blue Business Plus card earns 2x points everyday business purchases such as office supplies or client dinners, on the first $50,000 spent each calendar year. After that, then 1x. This is an easy way to earn tons of points without worrying about spending in certain bonus categories.

You will continue to earn 2x points on eligible travel-related purchases made using your card on the AmexTravel.com portal (including airfare and prepaid hotels), with no limit on the number of bonus points you can earn.

Hot Tip:  The 2x points per dollar bonus also helps land this card on our list of best business cards for advertising purchases and best business cards for office supply purchases.

2. Membership Rewards Program

The Membership Rewards program is one of the best transferable points programs on the market, but lots of points-earning cards offered by American Express have a large annual fee (or cannot take advantage of the full range of benefits of the program).

The great news is that the Amex Blue Business Plus card earns Membership Rewards and allows you to transfer them to airline partners. This is a particularly nice perk!

The Amex transfer partners include 20 airline and hotel loyalty programs. Transfers can be completed easily online, and many of them process almost instantly.

There are other ways to use your points too: directly through the AmexTravel.com portal. This gives you more options outside of their airline partners, but may not be the best value for your points. You will only receive a value of 1 cent per point when redeeming for travel booked this way.

Not looking for travel rewards? Another option would be to redeem your points directly for purchases or gift cards with your favorite merchants through the Membership Rewards site. This also provides a value of 1 cent per point, but again it’s important to remember what Membership Rewards points are worth. Rarely is this a good idea!

3. Expanded Buying Power

The Amex Blue Business Plus card is one of the most flexible business cards offered by Amex. As previously mentioned, this card offers the option to pay over time with interest like other Amex credit cards.

However, this card also allows you to spend beyond your existing credit limit to make bigger purchases for your business when needed. This means your card can function as a charge card. Note that the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors. This expanded buying power offers greater flexibility.

You should always pay your credit card by the due date so you don’t get hit with interest, but if you do spend over the credit limit, make sure pay that portion by the due date.

Purchase Protections 

American Express cards are great for adding extra insurance to your business purchases and travel arrangements made using your card. The Amex Blue Business Plus card covers the following:

4. Extended Warranty

This is a great benefit that adds additional warranty protection for your business purchases that have a warranty of 5 years or less from the manufacturer.

Once the manufacturer’s warranty expires, your Amex Blue Business Plus card adds up to an additional year of warranty coverage for purchases (up to $10,000 per item with a $50,000 maximum per year).

This is a great way to protect all of your valuable business purchases, especially with the high coverage limit.

5. Purchase Protection

Just in case, your card protects eligible business purchases from theft and accidental damage for 90 days from your original purchase date.

This covers up to $1,000 per incident and up to $50,000 per calendar year, making it the perfect coverage for new phones and other high-value items that are most prone to these types of accidents by you or your employees.

Travel Insurance

6. Car Rental Loss and Damage Insurance

Make sure when you or your employees are traveling on the road that they are covered! This card covers eligible car rentals that are paid entirely with your Amex Blue Business Plus cardafter you decline the collision damage waiver coverage from the car rental company.

This covers your eligible car rentals from theft and damage for up to $50,000 and doesn’t increase the cost of your car rental.

However, unlike the Chase Sapphire Preferred^® Card that provides primary rental insurance, this card only provides secondary coverage (it kicks in after your own insurance).

7. Baggage Insurance Plan

When traveling on business, you and additional cardholders will be covered if your checked or carry-on baggage is lost during travel booked using your card. This coverage will also extend to spouses, domestic partners, and dependents on the same reservation.

This travel insurance will cover up to $500 for the replacement cost of items lost in checked baggage and up to $1,250 for the replacement cost of items lost in carry-on baggage.

Be aware that there is a limit of $250 for coverage of high-value items, which would include computers and other expensive business electronics.

Final Thoughts

The Amex Blue Business Plus card is definitely one of the better business cards available on the market, and it’s the perfect card for non-bonus spending since it earns 2X points per dollar on all purchases!

Overall, this is a great card to help you earn tons of points that can be redeemed for amazing travel. Additionally, it’s an easy one to keep for the long term. Especially for a card that’s not targeted at those who want premium-level benefits, it really packs quite a punch!