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American Express Blue Business Card
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The Amex Blue Business Plus and Business Cash cards don’t usually offer a welcome bonus, but the new offers have sweetened the deal
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With the Amex Blue Business Plus card, you can earn a welcome bonus of 15,000 membership points. American Express; Insider
Double Cash Back With No Annual Fee: Review Of The American Express Blue Business Cash Card
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The American Express Blue Business Cash™ Card with No Annual Fee and The Blue Business® Plus Credit Card from American Express don’t typically offer a welcome bonus, but they’re popular choices for small business owners because they earn strong rewards and come with added protections like extended warranties and secondary insurance for car rental.
Now Amex has added a welcome bonus offer to both cards — so now’s the time to sign up. With the American Express Blue Business Cash™ Card, you can earn $250 in statement credit after you spend $3,000 in purchases on your card in the first 3 months. And if you prefer to earn Amex Membership Rewards points, the Blue Business® Plus Credit Card from American Express comes with a bonus of 15,000 Membership Rewards® points after you spend $3,000 in eligible card purchases in the first 3 months of card membership.
Here’s what you need to know if you’re considering the American Express Blue Business Cash™ Card or The Blue Business® Plus Credit Card from American Express.
American Express Blue Business Cash Card Review
Here we focus on the rewards and benefits that come with each card. These cards won’t pay off if you pay interest or late fees. When using a credit card, it’s important to pay off the balance in full each month, pay on time, and only spend what you can afford.
Earn 2% cash back on eligible everyday business purchases (on purchases up to $50,000 annually, 1% thereafter). Earn 1% cash back on all other purchases.
If your business spends more than $50,000 a year, you’ll want to use a different card to earn bonus cash after you reach that threshold
The American Express Blue Business Cash™ Card is a good choice for small business owners who prefer the simplicity of cash back. Along with the new welcome bonus offer, you’ll earn 2% cash back on all eligible purchases, on the first $50,000 spent in a calendar year (then 1% back).
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If you spend the maximum at the 2% level ($50,000 per year, or an average of $4,167 per month), you could earn $1,000 in annual rewards (cash back is earned in rewards dollars).
New cardholders also have the opportunity to save on interest. The American Express Blue Business Cash™ Card offers 0% introductory APR on purchases for 12 months from account opening (then 17.49% – 25.49% variable APR). This could be useful if your small business has large expenses that you would like to pay over time.
As a card with no annual fee, the American Express Blue Business Cash™ Card isn’t loaded with luxury perks, but it does offer a handful of useful perks that could save you money if you use them:
15,000 Membership Rewards® points after you spend $3,000 in eligible card purchases in your first 3 months of card membership
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Earn 2x Membership Rewards® points on eligible everyday business purchases (up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® points on all other purchases.
Amex Membership Rewards® is one of the most valuable points programs, so earning a new bonus on The Blue Business® Plus Credit Card from American Express is a great deal if you prefer flexible points. Cardholders can earn 2 Membership Points per dollar on all purchases up to $50,000 per calendar year and 1 point per dollar thereafter.
You can transfer Amex points to more than 20 airline and hotel partners or redeem them directly for flights, hotels and other travel through the Amex Travel Portal — and if you’re not ready to travel yet, you can use them for gift cards, merchandise, cash back and much more.
The Blue Business® Plus Credit Card from American Express also offers an introductory 0% introductory APR on purchases within the first 12 months of account opening (then 17.49% – 25.49% variable APR).
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It comes with the same travel and purchase protection as the American Express Blue Business Cash™ Card, including extended warranty, purchase protection and secondary car rental insurance.
Amex Membership Rewards points are worth about 1.8 cents apiece based on Insider’s latest estimates, so you can expect to get about $270 worth of 15,000 points, depending on how you redeem them.
If you’re trying to decide between the American Express Blue Business Cash™ Card and The Blue Business® Plus Credit Card from American Express, the best choice really comes down to the type of rewards you want to earn and how involved you want to be. in their redemption.
For those who prefer simplicity, the American Express Blue Business Cash™ Card is a better choice. You won’t have to worry about rewards lists or redemption options—instead, the cashback you earn is automatically credited to your statement.
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You don’t need to have a full-time venture or formal business structure to qualify for a small business card – part-time jobs and side gigs can also count.
However, if you’re looking to get the most out of your rewards, the Blue Business® Plus Credit Card from American Express offers the chance to get great value by transferring points to airline and hotel partners. It’s not uncommon to earn 2 cents or more per point when you redeem this method, especially if you book expensive award flights in first or business class or book luxury hotel stays with your rewards.
In fact, The Blue Business® Plus Credit Card from American Express is part of the “Amex Trifecta” — a combination of cards that can help you earn the most rewards from your spending. When you have the Blue Business® Plus Credit Card from American Express, the Platinum Card® from American Express, and the American Express® Gold Card, you can earn 2x to 5x points on every purchase you make.
Jasmin Baron is an editor at Insider, responsible for covering credit cards on Personal Finance Insider. He is also a certified personal finance educator (CEPF). Before joining the Insider team, she was a senior editor at The Points Guy and Million Mile Secrets, covering credit cards, points and miles, and loyalty programs. Her expertise in maximizing travel rewards has grown from more than two decades of experience in the airline industry, including 18 years as a pilot and flight instructor in her native Canada. Jasmin can be contacted at [email protected]. Learn more about how Personal Finance Insider selects, rates and covers financial products and services »
Expired) Amex Blue Business Plus: 75k Bonus, No Lifetime Language (targeted)
OUR EDITOR’S RATINGS ARE PRIMARILY BASED ON 3 THINGS: SIMPLICITY, AFFORDABILITY AND VALUE. OUR CREDIT CARD EDITOR TAKES THOSE FACTORS INTO ACCOUNT AND GETS A SCORE THAT BEST REFLECTS HOW THE CARD PERFORMS ON THOSE CRITERIA – RELATED TO OTHER PRODUCTS WE’VE REVIEWED.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are solely those of the author and have not been reviewed, approved or otherwise approved by any card issuer. Read our editorial standards.
Please note: While the above offers are correct at the time of publication, they are subject to change at any time and may have changed or may no longer be available.NextAdvisor American Express Credit Cards American Express Blue Business Cash Card: Great 2% Cash Rewards, but limited by the consumption limit. Advertiser Disclosure American Express Blue Business Cash Card: Great 2% cash back rewards but limited by spending limit
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The Blue Business® Plus Credit Card From American Express Deep Dive Review — Points Passport
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