by Daniel | Last Updated July 27th, 2021
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If you have a small business and are looking for a card that has no annual fee and still offers some reasonable benefits and user perks, then this card might be for you.
Today I am going to look at the Amex Blue Business Plus credit card, and go over some of the benefits it offers, and then decide if it’s worth it
So the Amex Blue Business Plus Credit Card is a good credit card to consider if you have a small business with limited revenue and are looking for a simple entry-level credit card
First of all, it offers a very low introductory APR on purchases for a period of 12 months for new card members.
Another great benefit of the card is that there is no annual fee at all.
So now let’s have a more detailed look at what the card actually offers.
Sign Up Bonus
To begin with, you will have the opportunity to earn a welcome bonus of 15,000 points after you spend $3,000 in eligible purchases within the first 3 months of opening the account, and according to the Amex points calculator, these points can be worth as much as $150 in rewards depending on what you use them for.
There Is a wide range of options when it comes to redeeming points and some options offer more value than others, so it’s important to make the most of your points when you do decide to use them.
And just by looking here at the Amex points calculator, you can see the difference in value for some of these options.
Earning Points
So the Amex Blue Business Plus card has a very simple and straightforward way to earn points, basically, you will earn 2x points on the first $50,000 that is spent on the card annually, and any purchases after this earn 1 point per dollar spent.
Now, this is a pretty good benefit to have with a card that has no annual fee at all, but just keep in mind that cards such as the Amex Business Gold and Amex Business Platinum both offer a lot more in points earning potential.
So if you do happen to spend quite a lot of money through your business it may be worth checking out each one of those cards as you will be able to earn a lot more points and in turn receive a lot more value.
Benefits and User Perks
The Blue Business Plus card comes with 3 main benefits that are perfect for small businesses.
The first benefit is Expanded buying power, and this basically gives you the ability to spend beyond your credit limit specifically to pay for larger purchases.
Now if you take advantage of the expanded buying power feature you will have to pay off in full the additional spend amount that is over your normal credit limit by the due date, any other money due that is owed and is below your credit limit can be carried forward on a monthly basis.
Now an important note to take into consideration is that this benefit will not give you unlimited spending, basically, it will adjust with your general use of the card, and things such as payment history, credit records, and financial sources that are available to Amex will also affect this limit.
Another benefit that is available is that you can get up to 99 employee cards at no additional cost, and this can really help you to accrue a lot of points through your employee’s business-related spending.
And finally, you also receive a zero percent introductory APR on purchases for 12 months after your first open your account, after this, your APR will be at a variable rate of between 13.24%-19.24% depending on your creditworthiness and other factors.
Insurance Related Benefits
Even though this card is basically free as it has no annual fee, it still has a few useful insurance-related benefits.
First of all, it has car rental loss and damage insurance which can cover damage or theft of a rental car, but it is not available in certain countries such as Australia, Italy, or New Zealand, also it provides secondary coverage but does not include liability coverage.
Another benefit that is included is purchase protection, and this basically gives you up to 90 days of coverage on purchases that are either stolen or accidentally damaged up to a total of $1,000 per occurrence and up to $50,000 per cardmember per calendar year.
There is also a one-year extended warranty benefit that is available on purchases made within the United States on items that come with a warranty of 5 years or less, and this covers up to $10,000 per covered purchase and a total of $50,000 per eligible card.
Is It Worth It?
So looking at these benefits that come with a card that basically has no annual fee, I think it is definitely worth it, as you can earn a reasonable amount points due to the 2x, points earnings per card on up to $50k per year, and you get 15,000 bonus points on sign up after you spend $3,000 within the first 3 months.
And as I said at the start of the video, I do think it’s worth looking into either the Amex Gold Business card or Amex Platinum Business card as they both offer a lot more benefits and points earning potential.
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