With many selections in terms of business credit cards — together with the totally different charges, rewards and redemption choices that include them — selecting the best card in your firm may need you feeling adrift.
That is the place TPG can assist.
An underrated card to contemplate is The Blue Business® Plus Credit Card from American Express. Amex designed this card for small companies and sole proprietorships utilizing an easy reward system.
You may earn rewards on on a regular basis spending and enterprise bills for no annual charge (see rates and fees). Listed here are seven the explanation why the Blue Enterprise Plus card deserves a spot in your pockets.
No annual charge
There isn’t any annual charge to hold the Blue Business Plus, so there’s actually no purpose to not apply if the cardboard looks as if a superb match for your online business.
Most of the greatest enterprise playing cards have annual charges. If your online business is smaller or simply getting began, you might not be capable to afford the often-high charges related to many in style playing cards. If that is the case, a card just like the Blue Enterprise Plus is usually a nice match.
Associated: The complete guide to credit card annual fees
Membership Rewards factors
Amex Membership Rewards points are a number of the most precious available on the market. American Express has 20 switch companions — 17 airways and three resorts.
This offers you entry to award bookings from airline and lodge applications all over the world. In response to TPG’s July 2025 valuations, Membership Rewards factors are value 2 cents per level while you use Amex’s switch companions to redeem. It is attainable to get much more worth from that with the suitable bookings.
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Associated: How to redeem American Express Membership Rewards for maximum value
Easy reward construction
You may earn 2 factors per greenback spent on each eligible buy you make on the Blue Business Plus for the primary $50,000 you spend every calendar 12 months. The speed drops to 1 level per greenback spent on eligible purchases after that.
This is among the greatest charges for any enterprise card in terms of on a regular basis spending. Plus, there are not any bonus classes to trace.
The one draw back is that you could be be forgoing bigger bonuses provided by different playing cards in sure spending classes.
As an example, if your online business books many flights, this card would work greatest in tandem with The Business Platinum Card® from American Express.
Associated: What are American Express Membership Rewards points worth?
Pairing with different Amex playing cards
Pairing the Blue Business Plus with different Amex playing cards just like the American Express® Gold Card and The Platinum Card® from American Express creates an Amex trifecta — wherein all playing cards earn Membership Rewards factors.
With this trifecta, you will earn no less than 2 Membership Rewards factors per greenback spent on all purchases throughout the board (topic to spending caps).
The Amex Gold earns 4 factors per greenback spent on dining at restaurants worldwide (on as much as $50,000 in purchases per 12 months, then 1 level per greenback) and at U.S. supermarkets (on as much as $25,000 in purchases per 12 months, then 1 level per greenback).
The Amex Platinum earns 5 factors per greenback spent on flights booked immediately with airways or by means of American Specific Journey®, on as much as $500,000 on these purchases per calendar 12 months, then 1 level per greenback.
TPG contributing editor Matt Moffitt makes use of this card as his predominant go-to for nonbonus spending.
As a part of the Amex Trifecta, he purchases flights together with his Amex Platinum, places U.S. grocery store purchases and worldwide eating at eating places on his Gold and makes use of his Blue Enterprise Plus card for nearly all different bills to earn 2 Membership Rewards factors (as much as $50,000 per calendar 12 months, then 1 level per greenback).
Associated: The best cards to pair with the Amex Gold
Worker playing cards
One other perk is that American Specific means that you can add as much as 99 worker playing cards, which lets you preserve incomes 2 factors per greenback on worker spending.
Associated: Authorized user on a company credit card: What to know
Expanded shopping for energy
Amex means that you can exceed your credit score restrict for large purchases, relying in your earlier use of the cardboard, fee historical past and credit score historical past. Phrases apply.
Cash spent exceeding your credit score restrict should be paid by a particular due date; your full credit score restrict quantity could be carried ahead (though at TPG, we suggest paying balances off in full each time attainable).
Associated: Amex Blue Business Cash vs. Blue Business Plus
Insurance coverage advantages
Amex playing cards include a slew of insurance coverage advantages, and the Blue Business Plus isn’t any exception. Cardmembers will get pleasure from:
- Prolonged guarantee safety: Purchases are coated for a further 12 months on unique warranties of 5 years or much less, as much as $10,000 per merchandise and $50,000 per account per calendar 12 months.*
- Buy safety: Any eligible merchandise that’s broken or stolen is protected for as much as 90 days (as much as $1,000 per prevalence, as much as $50,000 per cardmember account per calendar 12 months).*
- Automobile rental loss and harm insurance coverage: Obtain advantages of as much as $50,000 per rental settlement (Observe that that is secondary insurance coverage and doesn’t embrace legal responsibility protection).**
- World help hotline: This service supplies you with data on customs data, passport and visa data, journey inquiries, international trade charges, vaccination data, emergency translation and interpretation, lost-item search, lacking baggage help, card cancellation, urgent-message relay, emergency medical transportation help and extra.***
*Eligibility and profit ranges differ by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**Eligibility and profit stage varies by card. Not all automobile varieties or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by means of American Specific Journey Associated Companies Firm, Inc.
***Eligibility and profit stage varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are answerable for the prices charged by third-party service suppliers.
Associated: Your complete guide to travel protections on American Express cards
Backside line
Though it does not have any particular bonus classes, the Amex Blue Enterprise Plus card is certainly one of our favourite small-business bank cards.
Because of its simple incomes construction, this card is an effective way for enterprise house owners to earn useful Membership Rewards factors. It may also be a terrific complementary card when paired with different bank cards in Amex’s roster, particularly in the event you’re in search of methods to fill some gaps in your incomes technique.
To study extra, take a look at our full review of the Blue Business Plus.
Apply right here: The Blue Business Plus Card from American Express
For charges and costs of the Blue Enterprise Plus, click on here.
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