Home Credit Cards Credit Card Review: American Express Blue Business® Plus Credit Card

Credit Card Review: American Express Blue Business® Plus Credit Card

by joeheg

If there was one card that I’ve had my eyes on the longest, it’s the American Express Blue Business Plus. Since I take a conservative approach when signing up for credit cards, there’s often time between sign up bonuses where I’m looking for the best card to earn points on non-bonused spending. By non-bonused, I mean spending money on something that isn’t travel related, dining, gas stations, health clubs, cell phone bills, cable bills, supermarkets, office supply stores, or online purchases. Think of those other expenses like insurance premiums, pharmacy purchases, car repairs, home improvement stores, which can add up to a pretty penny.

I’d try to put those purchases on our Arrival+ card since that earns 2% back, which I can use to pay our travel expenses. I was happy with this until I realized that even if I earned 1 transferrable point per dollar with AMEX, Chase or Citi cards, I could save more than 2% if I used those points for redemptions with their travel partners.

So when I card came around that lets me earn 2 Membership Rewards points per dollar for every purchase, which is worth 3% back or more, I really wanted the card.

Now that I’ve finally gotten one, here’s a quick breakdown of the benefits.

American Express Blue Business® Plus

Annual Fee – The Blue Business Plus Credit Card has no annual fee, which is incredible for a card that earns transferrable Membership Rewards points.

Sign Up Benefits – This card currently has a sign-up bonus of 10,000 Membership Rewards points when you spend $3,000 in purchases for the first three months if you use our referral link. Plus you’ll get a 0.0% introductory APR on purchases for 12 months from the account opening date.

We do get a referral bonus of Membership Rewards points if you sign up using our link. 

Spending Bonus Categories – The Blue Business Plus Credit Card earns two Membership Rewards points per dollar on the first $50,000 spent on the card each year. After that, you’ll receive one point per dollar spent on the card.

Foreign Transaction Fees – The Blue Business Plus charges 2.7% of each transaction after conversion to US dollars for foreign purchases. Leave this card at home when going outside the US and use a card with no foreign transaction fees instead.

Membership Rewards – With the American Express Blue Business Plus card, you’ll earn points in AMEX’s transferrable points program, Membership Rewards.

While there are many uses for Membership Rewards, the best one is transferring points to one of AMEX’s travel partners.

Airline Programs

  • Are Lingus Aerclub
  • Aeromexico Club Premier
  • Air Canada Aeroplan
  • Air France / KLM Flying Blue
  • Alitalia Millemiglia
  • ANA Mileage Club
  • Cathay Pacific Asia Miles
  • Avianca LifeMiles
  • British Airways Executive Club
  • Delta SkyMiles
  • El AL Madmid Points
  • Emirates Skyrewards
  • Etihad Guest Miles
  • Hawaiian Airlines HawaiianMiles
  • Iberia Plus Miles
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore KrisFlyer Miles
  • Virgin Atlantic Flying Club

Hotel Programs

  • Choice Privileges Rewards
  • Hilton Honors
  • Marriot Bonvoy

I used Membership Rewards to help us book our $25,000 trip to Australia and Japan and the best award trip I ever booked (for someone else). I also used them, along with points from two other programs, to pay for our business class flight on Singapore Airlines.

Final Thoughts

I guess it needs to be said that since this is a business card, it means you need to have a business to get one. Fortunately, AMEX tends to be one of the easier banks to get approved for a business card even if you are the only employee and don’t have much income. I found getting a card from Chase to be more difficult as they wanted proof that my business existed by supplying tax forms and utility bills.

If you do have a business, this card is an excellent addition to your wallet, no matter if this is your first business card or if you have a drawer full of plastic.

I was kicking myself for not getting this card sooner. I’d even recommended getting the card to three of my friends who asked for advice about points earning cards before I signed up for it myself. Talk about not taking your own advice.

Procrastinating eventually paid off because I was able to take advantage of the 15,000 points sign up bonus. This card is so good for earning Membership Rewards points that AMEX often doesn’t offer any sign-up incentive to get it, and people still sign up.

Get in on the bonus if you can, but even if there’s not a bonus, it still might be a card you want to add to your collection.

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This post first appeared on Your Mileage May Vary

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