Edited by: Kellie Jez
7 Valuable Benefits of The Amex Blue Business Plus Card
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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 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
Learn More(at Amex's secure site)
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
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.
No annual fee
18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
Good to Excellent (670-840)
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 cardapplication.
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.
- 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
- 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
- Charges foreign transaction fees
- 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, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- 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.
- *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 us, and other factors.
- No Annual Fee
- Terms Apply
- APR: 18.49% - 26.49% 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.
1. Bonus Points
The 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.
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 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
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 and Travel Insurance
American Express cards are great for adding extra insurance to your business purchases and travel arrangements made using your card. The 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 Blue Business Plus 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.
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 Blue Business Plus after 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.
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.
Be aware that there is a limit of $250 for coverage of high-value items, which would include computers and other expensive business electronics.
The 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!
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
Featured Image Credit: Paolese / Adobe Stock
Frequently Asked Questions
Does the Blue Business Plus card earn Membership Reward points?
Yes, the Blue Business Plus card earns Amex Membership Reward points.
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