7 Compelling Reasons to Consider the Amex Blue Business Plus Card

Navigating the world of business credit cards can be overwhelming, especially with the variety of fees, rewards, and redemption options available. If you’re a small business owner or a sole proprietor, finding the right card is crucial for managing expenses and maximizing rewards. One card that stands out in this crowded market is The Blue Business® Plus Credit Card from American Express. Designed with simplicity in mind, this card offers a straightforward rewards system that can benefit your business in several ways. Here are seven reasons why the Blue Business Plus card should be in your wallet.

1. No Annual Fee

One of the most attractive features of the Blue Business Plus card is that it comes with no annual fee. This makes it an ideal choice for small businesses or startups that are mindful of expenses. Many premium business credit cards charge substantial annual fees, which can be a barrier for new or smaller enterprises. With the Blue Business Plus, you can enjoy the benefits of a business credit card without the added financial burden.

2. Valuable Membership Rewards Points

American Express Membership Rewards points are considered some of the most valuable in the credit card industry. With the Blue Business Plus, you earn 2 points per dollar on all eligible purchases for the first $50,000 spent each calendar year, after which you earn 1 point per dollar. This flat-rate earning structure is particularly beneficial for everyday spending, allowing you to accumulate points without worrying about tracking bonus categories.

3. Flexible Redemption Options

The Blue Business Plus card offers access to a wide array of redemption options through American Express’s 20 transfer partners, which include 17 airlines and three hotel chains. This flexibility allows you to book award travel and accommodations globally. According to The Points Guy’s valuations, Membership Rewards points can be worth up to 2 cents each when transferred to travel partners, meaning you could potentially maximize the value of your points significantly.

4. Employee Spending Benefits

Another advantage of the Blue Business Plus card is the ability to add up to 99 employee cards at no additional cost. This feature enables your employees to make purchases while still earning 2 points per dollar spent on those transactions. This can help you accumulate rewards more quickly and streamline expense management across your business.

5. Exceeding Your Credit Limit

American Express provides some flexibility when it comes to your credit limit. Depending on your payment history and usage of the card, you may be allowed to exceed your limit for larger purchases. While this can be beneficial for unexpected expenses, it’s important to manage this feature wisely and pay off any balances promptly to avoid interest charges.

6. Comprehensive Insurance Benefits

The Blue Business Plus card comes with a variety of insurance benefits that can provide peace of mind for cardholders. These benefits include purchase protection, extended warranty coverage, and travel accident insurance, among others. While the specifics may vary, these protections can help safeguard your business investments and travel plans.

7. Seamless Integration with Other Amex Cards

For those already using American Express cards, the Blue Business Plus can complement your existing portfolio. Pairing it with cards like the American Express® Gold Card and The Platinum Card® from American Express creates an effective earning strategy. The Gold Card provides 4 points per dollar on dining and U.S. supermarkets, while the Platinum Card offers 5 points on flights booked directly with airlines or through Amex Travel. This trifecta allows you to earn at least 2 Membership Rewards points on most purchases, maximizing your rewards potential across various spending categories.

In conclusion, while the Amex Blue Business Plus card may not have specialized bonus categories, its straightforward earning structure, no annual fee, and valuable benefits make it one of the top choices for small business credit cards. Whether you’re just starting out or looking to optimize your existing credit strategy, this card can help you earn significant rewards and simplify your expense management.

For those interested in learning more, consider applying for The Blue Business Plus Card from American Express to see how it can enhance your business spending and rewards strategy.

Remember, choosing the right credit card can transform your everyday expenses into valuable rewards, helping you achieve your financial goals.