There are many options when it comes to business credit cards (including the different fees, rewards and redemption options that come with it), and choosing the right card for your company can be uncomfortable.
This is where TPG can help.
One underrated card to consider is BlueBusiness® plus American Express credit card. AMEX designed this card for small businesses and sole proprietorships using a direct reward system.
You can get free rewards for daily expenses and business expenses (see Fees and Fees). Here are seven reasons why blue business plus should have a place in your wallet.
No annual fee
No annual fee Blue Business Plusso if the card seems to be perfect for your business, there is actually no reason not to apply.
Many of the best business cards have annual fees. If your business is smaller or just starting out, you may not be able to afford the often expensive expenses associated with many popular cards. If so, a card like Blue Business plus such a card might be perfect.
Related: Complete Guide to Credit Cards Annual Fee
Member Reward Points
AMEX Membership Rewards Points are the most valuable on the market. American Express has 20 transfer partners – 17 airlines and 3 hotels.
This gives you access to rewards from airlines and hotel programs from around the world. According to TPG’s July 2025 valuation, the value of member reward points is 2 cents per point when you redeem with Amex’s transfer partner. With the right booking, you can get more value from it.
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Related: How to Redeem American Express Membership Rewards for Maximum Value
Simple reward structure
You will earn 2 points per dollar per eligible purchase Blue Business Plus For each calendar year, the first $50,000 you spend. After that, interest rates fell to 1 point spent per dollar.
This is one of the best prices for any business card in your daily expenses. Also, there are no reward categories to track.
The only downside is that you may abandon the bigger bonuses offered by other cards in some expenditure categories.
For example, if your business books are on many flights, this card will be with American Express Business Platinum Card®.
Related: What are the American Express membership reward points?
Pair with other Amex cards
pair Blue Business Plus With other Amex cards, e.g. American Express® Gold Card and American Express Platinum Card® Create an Amex Trifecta where all cards receive membership reward points.
With this Trifecta, you will spend at least 2 member reward points per dollar on all purchases (by spending limit).
Amex Gold earns 4 points per dollar per dollar at restaurants worldwide (buy $50,000 a year, then 1 point per dollar) and US supermarkets (buy $25,000 a year, then 1 point per year, then 1 point per dollar).
Amex Platinum earns 5 points on flights booked directly with airlines or through American ExpressTravel®, up to $500,000 per year for purchases, followed by 1 point per dollar.
TPG’s contribution editor Matt Moffitt has made this card the primary first choice for his BBNUS spending.
As part of Amex Trifecta, he uses his Amex Platinum to buy flights, allowing us to buy supermarkets and global restaurants on gold, and uses his blue commerce and nearly every other fee to earn 2 membership reward points (up to 1 point per dollar per calendar year, spent).
Related: The Best Cards to Pair with Amex Gold
Employee card
Another benefit is that American Express allows you to add 99 employee cards, which allows you to stay 2 points per dollar on employee spending.
Related: Authorized users on company credit cards: What do you know
Expand purchasing power
AMEX allows you to exceed the credit limit of large purchases, depending on your previous use of your card, payment history, and credit history. The terms apply.
Funds exceeding the credit line must be paid by a specific deadline; your full credit line amount can be extended (although at TPG, we recommend paying the balance as full as possible).
Related: Amex Blue Business Cash and Blue Business Plus Plus
Insurance benefits
Amex card comes with a lot of insurance benefits. Blue Business Plus No exception. Card members will like:
- Extended Warranty Protection: Purchase five years or less original warranty for up to $10,000 per item and $50,000 per account. ************
- Purchase protection: Any damaged or stolen qualified items are protected for up to 90 days (up to $1,000 per occurrence and up to $50,000 per calendar year). ***************
- Car rental loss and damage insurance: Obtain up to $50,000 benefits under the lease agreement (note that this is secondary insurance and does not include liability coverage). **
- Global auxiliary hotline: This service provides you with information about customs information, passport and visa information, travel inquiries, foreign exchange rates, vaccination information, emergency translation and explanation, lost project search, lost luggage assistance, cancellation of cards, emergency message relay, emergency medical transportation assistance, and more. ***
*Qualifications and income levels vary from card to card. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. The policy is underwritten by AMEX Assurance Company.
**Qualifications and income levels vary from card to card. Not all vehicle types or rents are covered and geographical restrictions apply. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. The policy is underwritten by AMEX Assurance Company. Coverage is provided through American Express Travel-related service companies.
***Qualification and income levels vary from card to card. Terms, conditions and limitations apply. For more information, visit AmericaneXpress.com/benefitsguide. Card members are responsible for the fees charged by third-party service providers.
Related: Your Complete Guide to Travel Protection for U.S. Express Cards
Bottom line
Although it doesn’t have any special bonus categories, the Amex Blue Business Plus card is one of our favorite small business credit cards.
Thanks to its straightforward revenue structure, this card is a great way for business owners to earn valuable membership reward points. This can also be a great supplement card when paired with other credit cards in Amex’s roster, especially if you’re looking for ways to fill some gaps in your income strategy.
To learn more, check out our full review of Blue Business Plus.
Apply here: Blue Business Plus Card for American Express
For Blue Business Plus rates and fees, click here.
