Amex Blue Business Plus review: A great small-business credit card for earning flexible points, with no annual fee

Amex Blue Business Plus review: A great small-business credit card for earning flexible points, with no annual fee

April 23, 2021

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The Blue Business® Plus Credit Card from American Express

American Express The Blue Business® Plus Credit Card from American Express

While The Blue Business® Plus Credit Card from American Express doesn’t come with the luxury benefits and perks you’ll get from cards like The Business Platinum Card® from American Express , it’s hard to beat the card’s earning rate for non-bonus category spending. And you’ll still get access to the top-notch purchase protection and extended warranty coverage Amex is well-known for, without paying an annual fee.

Keep in mind The Blue Business® Plus Credit Card from American Express currently doesn’t offer a welcome bonus, so if you’re looking to give your rewards balances a quick boost, there are other small-business cards to consider that do come with a bonus. For example, the Ink Business Unlimited® Credit Card and Ink Business Cash® Credit Card both offer $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening, and neither charge an annual fee.

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Bottom line: If you’re looking for a no-annual-fee small-business card with a straightforward earning structure and valuable rewards, The Blue Business® Plus Credit Card from American Express is a solid pick. 

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Comparison: American Express Blue Business Plus vs other Amex business cards

 

The Blue Business® Plus Credit Card from American Express

American Express Blue Business Cash™ Card

American Express® Business Gold Card

Annual fee

$0

$0 (See Rates)

$295 (See Rates)

Rewards rate

2x points on the first $50,000 in purchases each year (then 1x)

2% cash back on the first $50,000 in purchases each year, then 1% (cash back is received in the form of Reward Dollars)

4x points in the top two categories you spend the most in each month, on up to $150,000 in combined purchases each year (then 1x)*

1 point per dollar on all other purchases

Welcome bonus

N/A

N/A

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership

Card benefits

Extended warranty

Purchase protection

Secondary car rental insurance

Global Assist Hotline

Discounts and bonuses through Amex Offers**

 

Extended warranty

Purchase protection

Secondary car rental insurance

Global Assist Hotline

Discounts and bonuses through Amex Offers

25% points rebate on first- and business-class flights (or economy flights on your selected airline) booked through Amex Travel 

Perks at Amex Hotel Collection properties

Secondary car rental insurance

Baggage insurance

Trip delay insurance

Purchase protection

Extended warranty

Global Assist Hotline

Discounts and bonuses through Amex Offers

Introductory APR offer

 

0% introductory APR on purchases for the first 12 months, then a 13.24% to 19.24% variable APR (See Rates)

0% introductory APR on purchases for the first 12 months, then a 13.24% to 19.24% variable APR (See Rates)

N/A

Foreign transaction fee

Yes (See Rates)

Yes (See Rates)

No (See Rates)

Review

 

Amex Blue Business Cash card review

Amex Business Gold card review

*the Amex Business Gold Card 4x categories include airfare purchased directly from airlines, US gas stations, US restaurants, US shipping providers, select US advertising and technology providers, and US purchases for advertising in select media (online, TV, radio)

Comparison: American Express Blue Business Plus vs other small-business credit cards

 

The Blue Business® Plus Credit Card from American Express

Ink Business Unlimited® Credit Card

Capital One Spark Miles for Business

Annual fee

$0

$0

$95, waived the first year

Rewards rate

2x points on the first $50,000 in purchases each year (then 1x)

1.5% cash back (1.5x points) on all purchases with no cap

2x miles on every purchase

Welcome bonus

N/A

$750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening

50,000 miles once you spend $4,500 on purchases within the first 3 months

Card benefits

Extended warranty

Purchase protection

Secondary car rental insurance

Global Assist Hotline

Discounts and bonuses through Amex Offers

Car rental insurance (primary when renting for business purposes)

Extended warranty

Purchase protection

Travel and emergency assistance services

Roadside dispatch

Car rental insurance (primary when renting for business purposes)

Up to $100 credit toward the Global Entry or TSA PreCheck application fee

Extended warranty

Purchase protection

Roadside assistance

Introductory APR offer

0% introductory APR on purchases for the first 12 months, then a 13.24% to 19.24% variable APR

0% introductory APR on purchases for the first 12 months, then a 13.24%–19.24% variable APR

N/A

Foreign transaction fee

Yes

Yes

No

Review

 

Chase Ink Business Unlimited card review

Capital One Spark Miles for Business card review

How to use points from the Amex Blue Business Plus card

The Blue Business® Plus Credit Card from American Express earns Amex Membership Rewards points, which is the same currency you’ll earn with popular cards like The Platinum Card® from American Express , American Express® Gold Card , and American Express® Green Card . If you have other Amex card — even personal ones — your Membership Rewards points get combined into a single account for redemptions.

You’ll usually get the most value from your Amex Membership Rewards points when you transfer them to airline or hotel partners then redeem them for award flights or hotel stays. Amex’s 22 transfer partners include Delta SkyMiles, Air Canada Aeroplan, British Airways Executive Club, Marriott Bonvoy, and Hilton Honors, But if you’d rather not worry about award charts and blackout dates, you can also use your points to book airfare, hotels, rental cars, and more through American Express Travel. 

Based on Insider’s points and miles valuations, American Express Membership Rewards points are worth, on average, 1.8 cents apiece.

If you’re not ready to travel just yet, you have plenty of other options for redeeming Amex Membership Rewards points, including gift cards, statement credits, merchandise, and even food delivery.

Blue Business Plus card benefits and features

The Blue Business® Plus Credit Card from American Express isn’t jam-packed with perks, but it does come with benefits you don’t always see on no-annual-fee cards.

Purchase protection

When you pay for an eligible item with the Blue Business Plus card, you can be covered for theft or damage that occurs within 90 days of purchase, up to a maximum of $1,000 per occurrence and $50,000 per account per calendar year.

Extended warranty

The Blue Business Plus card comes with up to one additional year of extended warranty coverage for eligible new purchases in the US or its territories, on manufacturer’s warranties of five years or less. 

Car rental insurance

If you use your Blue Business Plus card to pay for your entire car rental and decline the rental company’s collision damage waiver, you’ll get secondary coverage for damage due to theft and collision. Some vehicle types and countries are excluded, so be sure to read the terms and conditions carefully.

Global Assist Hotline

Cardholders get access to Amex’s Global Assist Hotline, which can help arrange things like passport replacement, medical referrals, and translation services when you’re traveling. The service itself is complimentary, but you’ll be responsible for any third-party costs incurred.

Amex Offers

Like other American Express cards, the Blue Business Plus card includes targeted discounts and bonus rewards at participating merchants through Amex Offers**. I’ve personally saved over $700 with Amex Offers since I opened my Blue Business Plus card, so this perk has been the most valuable of the bunch for me.

Small-business benefits

Cardholders also get benefits specifically geared toward running a small business, including:

  • Access to the American Express business app, which helps you manage receipts and expenses
  • Employee cards with spending limits that you can set up online or by calling American Express
  • Expanded buying power, which lets you spend above your credit limit depending on your payment history, credit record, and financial resources

The Blue Business® Plus Credit Card from American Express

American Express The Blue Business® Plus Credit Card from American Express

New cardholders get an introductory 0% APR on purchases for the first 12 months (then a 13.24% to 19.24% variable APR). If your business has upfront costs or a large purchase to make that you need to pay off over time, this is a good way to save on interest — as long as you have the means and a plan to pay off the balance before the promotional period expires.

Like most other cards, The Blue Business® Plus Credit Card from American Express charges fees for balance transfers, late payments, and returned payments (See Rates). 

Jasmin Baron is an associate editor at Personal Finance Insider, where she helps readers maximize rewards and find the best credit cards to fit their lifestyles. She has covered credit cards, points and miles, and loyalty programs for over seven years, and she’s a Certified Educator in Personal Finance (CEPF).

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Please note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.

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