Amex Blue Business Plus Card Review (2019)

Filed Under: American Express, Business
In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. These are the best publicly available offers that we have found for each card. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out my advertiser policy for further details about our partners, and thanks for your support!

It used to be that you’d only earn one point per dollar spent on credit cards. Then we saw some cards introduce up to 1.5x points per dollar spent. Then a card was introduced in 2017 that offered a full 2x transferable points per dollar spent all with no annual fee (Rates & Fees), which was otherwise unheard of. In this post I wanted to take a closer look at that card.

Amex Blue Business Plus Card

The Blue Business℠ Plus Credit Card from American Express is almost too good to be true, given that the card has no annual fee, offers up to 2x transferable points per dollar spent, and gives you access to some other useful perks as well.

There aren’t many credit cards that I say just about everyone should have, though this is one of them. So, what makes the Amex Blue Business Plus so rewarding?

Earn 2x Points

The Blue Business Plus offers 2x Membership Rewards points on the first $50,000 spent on eligible purchases every calendar year. After that, you receive 1x Membership Rewards points.

Membership Rewards points are one of the four major transferable points currencies, and personally I value the points at 1.7 cents each. So to me that’s the equivalent of a 3.4% return on everyday spending, which is unrivaled.

I should also mention that this card earns Membership Rewards points that can be transferred to Amex airline and hotel partners. There aren’t many no annual fee cards that are enrolled in the “full” Membership Rewards program, so that in and of itself is a reason to keep this card.

No Annual fee

The Blue Business Plus Card has no annual fee, so this is a card that you can keep long term to maximize your rewards. You can also add authorized users to your account at no extra cost.

0% Intro APR

The Blue Business Plus is offering 0% intro APR on purchases and balance transfers for 12 months. After that, your APR will be a variable rate, so if you do take advantage of this, make sure you can pay back the full amount within that period (Rates & Fees).

Spend Above Your Credit Limit

One thing that makes Amex business cards unique is that even though your business credit card has a limit, you can generally spend above that limit.

The extent to which they’ll let you spend above that limit varies based on quite a few factors, though it is something to be aware of, and something I’ve benefited from in the past when I had big purchases to make on cards with fairly low credit limits.

Amex Offers

One of the great features of Amex cards is access to Amex Offers, which offers savings or bonus points on purchases with all kinds of retailers. There’s huge value to be had in getting as many no annual fee Amex cards as possible, so that you can get these offers on multiple cards.

Amex Offers could save you hundreds of dollars per year. You can access these offers by logging into your account and scrolling down to the bottom of your account summary page.

2.7% Foreign Transaction Fees

I wouldn’t recommend using this credit card for purchases outside the US, as the card does have 2.7% foreign transaction fees, which will eat up most of the value of your rewards.

Getting Approved For The Blue Business Plus

For those with excellent credit, I find Amex business cards to be incredibly easy to be approved for. Anecdotally most people I’ve heard from have reported instant approvals on this card, so it really shouldn’t be very tough to be approved for, even if you haven’t gotten many business cards in the past.

Just make sure you know that:

  • You can be approved for at most two Amex cards in a 90 day period
  • You can have at most five American Express credit cards at any point (this doesn’t include charge cards)

See this post for all major credit card application restrictions to be aware of.

Is The Blue Business Plus Worth It?

If you’re into collecting points then the Blue Business Plus Card is an absolute must. Earning 2x Membership Rewards points, which I value at a ~3.4% return, is unrivaled. Best of all, you’re getting all of this with a no annual fee card that earns points can be transferred to airline and hotel programs.

Just keep in mind the $50,000 limit every calendar year for earning the 2x points.

Nonetheless, let’s take a look at some of the other cards that are worth considering, either in place of this card, if you’re looking for a cash back card, or if you’re looking for a card to use beyond your first $50,000 spent.

Comparison: Blue Business Plus Vs. Blue Business Cash

While the Blue Business Plus Card has been around for a couple of years, Amex also recently introduced the Blue Business CashTM Card from American Express (review), which is a cash back version of this card.

That card offers 2% cash back on the first $50,000 spent every calendar year. While that’s solid for a no annual fee business card, personally I have a strong preference for earning 2x Membership Rewards points rather than 2% cash back.

Best Cards Beyond $50K Spending

The Blue Business Plus offers an incredible 2x points on the first $50,000 spent every calendar year, so what are the best cards for everyday spending beyond that?

Best Complement

If you want to earn as many Membership Rewards points as possible, the American Express® Business Gold Card (review) is worth considering.

The Business Gold Card offers 4x Membership Rewards points on the two select categories where your business spent the most each month. The 4x points applies to the first $150,000 in combined purchases from these these categories each calendar year.

The bonus categories are as follows:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers

Best Cash Back Business Card

A lot of businesses are looking for a great cash back card. If that describes your business, my single favorite cash back business card is the Capital One® Spark® Cash for Business (review), which offers 2% cash back on all purchases, with no caps.

The card does have a $95 annual fee that’s waived for the first year, though it also has a big bonus of $500 cash bonus after spending $4,500 within three months. The value of that bonus should cover the annual fee for several years.

If you want a straightforward cash back business card with no caps, I’d recommend this card.

Amex Blue Business Plus Summary

The Blue Business Plus Card is one of the most incredible cards out there. It offers 2x Membership Rewards points on the first $50,000 spent every calendar year.

This is a card that anyone who is eligible should get, assuming you’re into collecting points.

If you want to learn more about the Amex Blue Business Plus Card or apply, follow this link.

Apply Now

The following links will direct you to the rates and fees for mentioned American Express Cards. These include: The Blue Business℠ Plus Credit Card from American Express (Rates & Fees).

Regarding Comments: The comments on this page have not been provided, reviewed, approved or otherwise endorsed by any advertiser, and it is not an advertiser's responsibility to ensure posts and/or questions are answered.
Comments
  1. I use BBP for my auto pays each month. Have made the $50K amount each of the past two years when combined with other spend. Good deal.

  2. I have the AMEX Business Gold card; great for the 4x on airfare. But I plan to cancel soon due to $175 annual fee. If I got the no fee AMEX Blue Business Plus, could I transfer the points from the Gold card and thus keep them alive? Otherwise I would have to transfer to an airline for which I do not yet have a specific use for.

Leave a Reply

Your email address will not be published. Required fields are marked *