It’s not usual to see a noteworthy offer on a no annual fee card (See Rates & Fees); however, this may be the exception. With The Blue Business® Plus Credit Card from American Express, start earning bonus points for your business purchases!
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.
Enjoy 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% – 25.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99% (see Rate & Fees).
Update 10/8/24: This is a great anchor card to keep your MR points alive. There is no annual fee to worry about, and you earn 2X up to $50K each year.
The Blue Business Plus Credit Card from American Express Summary
 With the Blue Business® Plus Credit Card from American Express: 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, 17.74% - 25.74%, 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. You'll earn 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. There card comes with no annual fee (See Rates & Fees). Terms Apply. |
* The Blue Business® Plus Credit Card from American Express. They also offer great credit card bonuses. You can also compare this card with other credit card bonuses!
Earning Membership Rewards Points
It’s easy to earn points on the Blue Business Plus. You can use your Amex Blue Business Plus card on office supplies or client dinners. Your everyday business purchases earn 2X Membership Rewards points.
You’ll earn 2 points for every dollar you spend, up to $50,000 annually. Afterwards, this will drop down to 1X.
There are no bonus categories you need to keep track of, perfect for those who want to keep up with just one card. However, that also means that you may be forgoing rewards on certain purchases if you don’t get another card to cover it.
Redeeming Membership Rewards Points
Membership Rewards points earned with the Blue Business Plus are the same as those earned with cards like the Business Platinum Card and can be transferred to Amex’s hotel and airline travel partners.
| Redeem for… | Value |
| Travel via Amex or Expedia | $0.005 – $0.01 / point |
| Transfer to travel partners | Varies by partner |
| Statement credits | $0.006 / point |
| Merchandise | Varies by retailer |
| Unique experiences | Varies by venue |
| Gift cards | Varies by retailer |
| Charity donations | $0.007 / point |
But if you want to get the most value from your MR points, then try transferring them to a travel partner. You can use your earned points for higher-class flights with various airlines and routes. Or, premium rooms at higher-tier hotels. With this strategy, you can get up to an average value of 2 cents per point.
Nonetheless, you can also use points toward cash back, Amazon purchases, Uber rides, gift cards, and more. Though, point values will vary with these methods, and you’ll generally earn less value.
Cardholder Perks
Although the Blue Business Plus is a no-annual-fee card, it offers several benefits that small businesses may find highly valuable:
- Expanded Buying Power: Spend beyond your credit limit to help pay for larger purchases, only with the Blue Business Plus. You must pay the additional spending in full by your due date. However, the amount up to your credit limit can be carried from month to month. Though, this doesn’t mean that Amex will grant you unlimited spending power. The amount adjusts based on a variety of factors, including your use of the card, payment history and credit history.
- Free Employee Cards: Get up to 99 employee cards for free. Amex makes it easy to rack up rewards through your employees’ spending.
Cardholders also enjoy Amex’s insurance protections, like extended warranties, purchase protection, baggage insurance and secondary car rental insurance.
Conclusion
With the The Blue Business® Plus Credit Card from American Express, you can start earning bonus points on your business expenses. This card is exceptionally for smaller-small business owners considering the lengthy 0% APR period on purchases for the first 12 months of account opening (See Rates & Fees), necessary for you to make larger purchases.
On that note, this card functions like a hybrid credit-charge card. That means, you can spend beyond your credit limits as long as you pay off that extra amount in full during the next statement period. If you’re still looking for other deals, you can find our complete list of credit card bonuses from our exclusive list!
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.
Please visit americanexpress.com/benefitsguide for more details.
Underwritten by New Hampshire Insurance Company, an AIG Company.
