With many decisions in relation to business credit cards — together with the completely different charges, rewards and redemption choices that include them — choosing the proper card to your firm may need you feeling adrift.
That is the place TPG will help.
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 a simple reward system.
You possibly can earn rewards on on a regular basis spending and enterprise bills for no annual charge (see rates and fees). Listed below are seven the explanation why the Blue Enterprise Plus card deserves a spot in your pockets.
No annual charge
There is no such thing as a annual charge to hold the Blue Business Plus, so there’s actually no cause to not apply if the cardboard looks as if a great match for your small business.
Lots of the greatest enterprise playing cards have annual charges. If your small business is smaller or simply getting began, it’s possible you’ll not be capable to afford the often-high charges related to many widespread 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 useful available on the market. American Express has 20 switch companions — 17 airways and three lodges.
This provides you entry to award bookings from airline and lodge packages all over the world. Based on TPG’s July 2025 valuations, Membership Rewards factors are price 2 cents per level if you use Amex’s switch companions to redeem. It is potential to get much more worth from that with the correct 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 yr. The speed drops to 1 level per greenback spent on eligible purchases after that.
This is likely one of the greatest charges for any enterprise card in relation to 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 illustration, if your small 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 may 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 yr, then 1 level per greenback) and at U.S. supermarkets (on as much as $25,000 in purchases per yr, then 1 level per greenback).
The Amex Platinum earns 5 factors per greenback spent on flights booked instantly with airways or by means of American Categorical Journey®, on as much as $500,000 on these purchases per calendar yr, then 1 level per greenback.
TPG contributing editor Matt Moffitt makes use of this card as his principal 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 yr, then 1 level per greenback).
Associated: The best cards to pair with the Amex Gold
Worker playing cards
One other perk is that American Categorical lets you add as much as 99 worker playing cards, which lets you hold incomes 2 factors per greenback on worker spending.
Associated: Authorized user on a company credit card: What to know
Expanded shopping for energy
Amex lets you 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 advocate paying balances off in full each time potential).
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 is not any exception. Cardmembers will get pleasure from:
- Prolonged guarantee safety: Purchases are lined for an extra yr on unique warranties of 5 years or much less, as much as $10,000 per merchandise and $50,000 per account per calendar yr.*
- 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 yr).*
- Automotive rental loss and injury insurance coverage: Obtain advantages of as much as $50,000 per rental settlement (Observe that that is secondary insurance coverage and doesn’t embody legal responsibility protection).**
- International 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 range by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm.
**Eligibility and profit degree varies by card. Not all car varieties or leases are lined, and geographic restrictions apply. Phrases, situations 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 Categorical Journey Associated Companies Firm, Inc.
***Eligibility and profit degree varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are liable for the prices charged by third-party service suppliers.
Associated: Your complete guide to travel protections on American Express cards
Backside line
Though it would not have any particular bonus classes, the Amex Blue Enterprise Plus card is considered one of our favourite small-business bank cards.
Because of its simple incomes construction, this card is an effective way for enterprise homeowners to earn useful Membership Rewards factors. It may also be an ideal complementary card when paired with different bank cards in Amex’s roster, particularly for those who’re in search of methods to fill some gaps in your incomes technique.
To be taught extra, try our full review of the Blue Business Plus.
Apply right here: The Blue Business Plus Card from American Express
For charges and charges of the Blue Enterprise Plus, click on here.
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