With so many options available for business credit cards, it can be overwhelming to choose the right one for your company. However, there is one underrated card that deserves consideration: The Blue Business® Plus Credit Card from American Express. Designed for small businesses and sole proprietorships, this card offers a straightforward reward system and several other benefits that make it a great choice for business owners.
One of the biggest advantages of the Blue Business Plus card is that it comes with no annual fee. This means that you can enjoy all the benefits and rewards without having to worry about paying an annual fee. For business owners who are looking to save on expenses, this is a major plus.
Another reason why the Blue Business Plus card stands out is because it offers Amex Membership Rewards points. These points are highly valuable and can be transferred to any of Amex’s 21 transfer partners, which includes 18 airlines and three hotels. This gives you access to a wide range of promotional offers from airline and hotel programs around the world.
The reward structure of the Blue Business Plus card is also simple and easy to understand. You earn 2 points per dollar on every purchase you make on the card for the first $50,000 you spend annually, and 1 point per dollar after that. This is one of the best rates for any business card when it comes to everyday spending. Plus, there are no bonus categories to keep track of, making it hassle-free.
What makes the Blue Business Plus card even more appealing is that it can be paired with other Amex cards to create an Amex trifecta. By combining this card with other Amex cards like the American Express® Gold Card and The Platinum Card® from American Express, you can earn at least 2 Membership Rewards points on all purchases across the board. This is a great way to maximize your rewards and earn even more points.
If you have employees, the Blue Business Plus card allows you to add up to 99 employee cards. This means that you can continue to earn 2x points on employee per diem spending, which can add up to significant rewards over time.
Additionally, the Blue Business Plus card offers expanded buying power. Depending on your previous card usage, payment history, and credit history, Amex allows you to exceed your credit limit for big purchases. However, it’s important to note that any amount spent beyond your credit limit must be paid by a specific due date.
Lastly, the Blue Business Plus card comes with a range of insurance benefits, including extended warranty protection, purchase protection, car rental loss and damage insurance, and a global assist hotline that provides assistance for a variety of travel-related issues. These insurance benefits can provide peace of mind and save you money on potential expenses.
In conclusion, the Blue Business Plus Credit Card from American Express is a highly recommended choice for business owners. With no annual fee, valuable Membership Rewards points, a simple reward structure, the ability to pair it with other Amex cards, the option to add employee cards, expanded buying power, and insurance benefits, this card offers great value and flexibility. If you’re looking for a business credit card that combines simplicity, rewards, and savings, the Blue Business Plus card deserves a spot in your wallet.