Pros and Cons of The Blue Business® Plus Credit Card
The Blue Business® Plus Credit Card from American Express offers valuable rewards but comes with certain considerations.
Pros:
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High Reward Potential: With 2X points on the first $50,000 spent each year, you can quickly accumulate valuable Membership Rewards®.
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No Annual Fee: Enjoy the benefits without worrying about annual fees. See rates & fees.
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Flexible Redemption: Points can be redeemed in various ways, giving you the freedom to choose how to use your rewards.
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Expanded Buying Power: The ability to spend above your credit limit allows for increased flexibility in managing your business expenses.
Cons:
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Spending Limitations: After reaching $50,000 in purchases, the earning rate drops to 1X points, which may limit reward accumulation for larger businesses.
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Interest Rates: If you carry a balance after the intro period, the variable APR may negate some of the benefits of earning rewards.
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Best Value Requires Specific Redemption: To get the best value, you'll need to redeem points through the Amex Travel portal or transfer them to a travel partner, which may not be as straightforward as cash back options
Everything The Blue Business® Plus Can Do For You
With The Blue Business® Plus Credit Card from American Express, your business expenses become more rewarding, thanks to:
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Rapid Points Accumulation: Earn 2X points on eligible purchases, allowing you to build your rewards balance swiftly.
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Flexible Spending Options: The ability to buy above your credit limit offers greater freedom for your business needs.
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Convenient Business Management Tools: Access to online statements and auto-expense categorization through QuickBooks simplifies tracking and managing your expenses.
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Employee Card Benefits: Add employee cards at no additional cost, and earn points on their purchases too.
Unique Benefits of The Blue Business® Plus Credit Card
Discover the distinct advantages that make The Blue Business® Plus Credit Card from American Express a valuable asset for your business.
Streamlined Expense Management
Managing your business expenses is easy with The Blue Business® Plus Credit Card from American Express. The ability to view purchase history, prepare reports, and categorize expenses in QuickBooks helps keep your financial records organized and efficient. This feature saves time and allows you to focus on what truly matters—growing your business.
Flexible Membership Rewards® Points
The Membership Rewards® Points you earn can be redeemed in multiple ways, including travel, shopping, and more. This flexibility means you can tailor your rewards to fit your business needs, whether you're planning a trip or purchasing office supplies.
Comprehensive Protections
The Blue Business® Plus Credit Card from American Express comes with several protections designed to enhance your peace of mind. Enjoy purchase protection for up to 90 days against theft or damage, extended warranty coverage for eligible items, and car rental loss and damage insurance*. These features ensure you're covered in unexpected situations, allowing you to shop and travel with confidence.
Global Assist® Hotline
Traveling for business? The Global Assist® Hotline provides 24/7 emergency assistance and coordination services, ensuring that help is just a phone call away when you're more than 100 miles from home. This service can be invaluable in emergencies, making business travel less stressful.
Things To Look Out For
While The Blue Business® Plus Credit Card from American Express offers many benefits, consider these points before applying:
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Spending Limitations: Be mindful of the annual cap on 2X points, as it may affect larger business expenditures.
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Interest Rates: If you plan to carry a balance, the variable APR may impact your overall cost-effectiveness. See rates & fees.
Conclusion
The Blue Business® Plus Credit Card from American Express provides an excellent blend of generous rewards, flexible spending, and valuable protections, making it an ideal choice for small business owners looking to maximize their expenses. With its straightforward earning structure, flexible redemption options, and a range of built-in benefits, this card not only enhances your business spending but also offers peace of mind. Whether you're making purchases for your office or traveling for work, The Blue Business® Plus Credit Card from American Express stands out as a versatile financial tool designed to reward and support your business at every turn.
*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Disclaimer: Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.
Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed or approved by any of these entities.
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