Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
American Express is a Credit Card Insider advertiser.
The Blue Business Plus Credit Card from American Express offers a simple earning experience, some helpful benefits, and useful redemption options. You could use it in tandem with other cards, or if you’re just looking for an uncomplicated business card.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to The Blue Business® Plus Credit Card from American Express, Capital One Spark Cash for Business, Capital One Spark Cash Select for Business, and American Express® Business Gold Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.
We give The Blue Business® Plus Credit Card from American Express 5 out of 5 Stars. It has no annual fee, and a very simple rewards structure.
The Blue Business Plus Credit Card from American Express provides a simple way for business owners to earn American Express Membership Rewards points. There are no bonus reward categories to keep track of. And with no annual fee, you can potentially take advantage of this offer completely for free.
You’ll have some flexibility in paying your bill, which could be helpful for managing your business’ cash flow. There are some other benefits and features that could prove useful for running your company too.
We’ll walk through the very simple rewards structure of this card and how it compares with other business credit cards. By the end, you should be able to understand this card and how you could use it to help fund your business.
You can effectively earn a cash back equivalent from 1%–2.5% on purchases, or more. The amount you get will depend on how much you spend on the card per year, and how you redeem points.
|Introductory Bonus Offer|
The rewards program is simple but pretty valuable, considering there’s no annual fee and you can earn on everyday business purchases.
You’ll be earning Membership Rewards points with this card, which can be redeemed in a few different ways.
Your basic options are:
Cashing in points for statement credits will only get you 0.6 cents per point, so we don’t recommend that. The other methods can provide up to 1 cent per point, with the exception of point transfers.
A point transfer may provide the equivalent of up to 2.5% cash back or more, but this will depend on the details of how and when you use the transferred points. We recommend always going for point transfers whenever possible because you can get the best value for your points.
The normal redemption methods are the simplest. The most you can get out of them is the equivalent of 2% cash back. This isn’t bad, though it’s potentially not as good as a point transfer. But this might be the best option for anyone who can’t make use of a point transfer or just wants a simple option.
When redeeming for travel expenses you’ll have several options, but the most valuable is for airline flights. The main way is to redeem through American Express Travel, though there are a couple other travel services you can use as well. You’ll be able to redeem 10,000 points in the following ways.
|Redemption Method||Travel Service||Redemption Value||Point Value (in cents)||Cash Back Equivalent|
|Find Flights||Amex Travel||$100||1.0||1.0%–2.0%|
|Reserve Prepaid Hotels||Amex Travel||$70||0.7||0.7%–1.4%|
|Plan Vacations||Amex Travel||$70||0.7||0.7%–1.4%|
|Take Cruises||Amex Travel||$70||0.7||0.7%–1.4%|
|Flights and Hotels on Expedia||Expedia||$70||0.7||0.7%–1.4%|
Your Membership Rewards points can be transferred to many different frequent traveler programs, foreign and domestic. Quite a few big airlines and hotel chains are included, along with the Plenti program. We’ll go over the basics of point transfers, and then provide two real-world examples: one showing a good deal, and one showing a poor deal.
Most transfers are at a 1:1 rate, though some are different. And there are also limited-time offers and special deals occasionally. There’s a fee of $0.0006 per point when transferring to US airlines, with no charge for any other transfers. And different programs will allow you to transfer points in different increments, like 500 points at a time or 1,000 points at a time.
Here are some examples, along with their transfer rates and a point conversion example. Take note that offers may change.
|Loyalty Program||Type||Transfer Rate||You Give||You Get|
|AeroMexico Club Premier||Airline||1:1.6||1,000||1,600|
|Flying Blue® Award Miles||Airline||1:1||1,000||1,000|
|Delta Air Lines||Airline||1:1||1,000||1,000|
|Etihad Guest Miles||Airline||1:1||1,000||1,000|
Let’s go through an example to illustrate the potential value of Membership Rewards points after you convert them to a frequent traveler program. Keep in mind that there are many factors that influence the price of flights and hotel rooms, including time of year, demand, availability, and special events. Airlines and hotel chains offer special deals and packages pretty frequently, as well. All of this will affect the value you get from your points.
While the following is an actual real-world example, the point transfer values you find for your flights and rooms may differ from what we show here.
Imagine, for example, that you want to take a one-way JetBlue flight from Denver, Colorado, to Fort Lauderdale, Florida.
For a pair of connecting flights on Tuesday, January 23rd, you would pay $286. And according to JetBlue, those same flights would take 19,600 TrueBlue points, plus $5.60 in taxes and fees. That means your points are worth almost 1.5 cents each in this case.
So, if you wanted to use Membership Rewards points for that flight, how much would you need to spend? And how much cash back would you be earning?
Since the current conversion rate for TrueBlue points is 1:.8, you’ll need to transfer 24,500 Membership Points to get 19,600 TrueBlue points. In addition, that transfer will have a fee of $14.70, because each point costs $0.0006 to transfer.
So, you would need to spend $12,250 to earn those 24,500 points. You’ll then be able to convert them to 19,600 TrueBlue points, and use them for the flights.
In total, you will need to spend $12,270.30 when you add in the extra fees from the transfer and from JetBlue. That will earn you a flight worth $286.
So for this particular set of flights, you’ll end up getting the equivalent of 2.33% cash back. That’s a bit better than the maximum of 2% back you’ll get through the normal redemption methods.
|Purchase APR||Balance Transfer APR||Cash Advance APR|
|0% for 12 months from date of account opening, then 13.24% - 19.24% Variable||None||None|
|Annual Fee||Foreign Transaction Fee|
|No annual fee||2.7% of each transaction after conversion to US dollars.|
|Balance Transfer Fee||Cash Advance Fee|
|Penalty APR||Late Fee||Returned Payment Fee|
|29.24% Variable||Up to $39||$39|
One aspect that makes this business credit card offer so appealing is that it doesn’t have an annual fee, but still earns decent rewards. For comparison, the Capital One Spark Cash for Business (Review) offers unlimited 2% cash back, but has a $95 annual fee after the first year. Capital One also offers the no-annual-fee Capital One Spark Cash Select for Business (Review), but that only earns unlimited 1.5% cash back.
So, if you spend over $50,000 per year you may be able to earn more with one of those cards. But it’s clear that the Blue Business Plus rewards program is competitive for not having an annual fee.
We hear from a number of business owners who could benefit from The Blue Business® Plus Credit Card from American Express. They’re spending a lot of money through their businesses, perhaps on a debit card or by check, and realize they could be earning points with a credit card. They don’t want to think much about spending categories, and may not even have a good idea of how much they’ll spend over the course of the year.
This can make it hard to weigh an annual fee against reward earning potential. The Blue Business Plus from American Express seems like a good fit for this type of business owner.
It’s a good starter business card since it has no annual fee and doesn’t require thinking ahead about spending categories. If you’re not earning some form of rewards on business expenses now, there’s no good reason not to get this card. Start putting business expenses on it, and pay it in full each month. That will let you earn rewards at no cost at all and without accruing interest.
This rewards program is nice because it’s so simple, if you want it to be. You can just redeem for one of the many gift card options. And if you’re a traveler, you can use those points to book flights through Amex Travel or transfer them to a loyalty program.
However, you may be able to earn more if you go with a different card with specific bonus categories, that rewards you more depending on where you spend. Some cards will let you earn more when you pay for office supplies, internet and phone services, shipping, or other business expenses, for example. Check out our comparison of the Blue Business Plus to the mid-range Business Gold Card from American Express in the alternatives below.
Even if you have other business credit cards, you may find a good way to fit this card into your rewards-maximization strategy. Since it has no annual fee, there’s no cost for simply having the card.
You’ll need to be an authorized officer of your company, responsible for managing finances, to apply for the Blue Business Plus Credit Card. You can apply now by following the link below.
It’s recommended that you have good credit before applying for this Amex card.
To qualify for good credit, you would need to have credit scores within the ranges of 670–739 for FICO and 700–749 for VantageScore.
However, credit card issuers will look at other factors too when considering your creditworthiness. Credit card companies take a look at income, and your source of income, when making the decision, so even if your scores are lower than what’s recommended, you might still be approved.
That also means even if your scores are higher, you could still be denied.
While there are some shopping and travel protections attached, there’s also the potentially useful expanded buying power. It allows you to spend beyond your credit limit without repercussion, though your buying power isn’t unlimited, and you’ll have to pay back any amount spent above your limit as part of your next minimum payment.
There’s also an introductory APR offer for purchases, 0% for 12 months from date of account opening, before jumping to the regular 13.24% - 19.24% Variable.
No, there’s no annual fee attached, but there is a foreign transaction fee to keep an eye on if you plan on traveling.
The information related to Capital One Spark Cash for Business has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
How do you like your Blue Business Plus Credit Card from American Express? What are the most valuable features to you? Leave a comment below for other visitors, we’d love to hear from you!Searching for more business cards? Take a look at some of our top picks. Best Business Credit Cards
For rates and fees of the American Express® Business Gold Card, please click here.
Brendan has been writing about personal finance for over eight years, and is now taking on the challenge of bringing high quality credit education to the masses. He makes sure that Credit Card Insider is covering the most important credit topics transparently and precisely, and that we have up-to-date reviews of credit cards so you can find cards that are right for you.
Do you have a correction, tip, or suggestion for a new post? Contact us here.
The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.