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Amex Blue Business Plus 10,000 LTOFor a limited time, the Blue Business Plus Credit Card from American Express (a NextAdvisor advertiser) is sweetening its small business offer with an enticing intro bonus. If you apply for this card before 09/26/18, you’ll be able to earn an extra 10,000 Membership Rewards points when you spend $3,000 on purchases within the first 3 months of card membership. That’s in addition to the 2X Membership Rewards points this card earns on the first $50,000 in purchases each year (and 1 point per dollar spent after that), which can be redeemed for travel, statement credit and shopping with a number of retailers. When it’s not helping you earn rewards, this card can also assist in managing your business, providing tools to categorize your expenses, monitor spending and upload your card statements directly to Quickbooks. To find out if the Blue Business Plus Credit Card’s many features are what your small business needs to succeed, keep reading.

What does the Blue Business Plus Credit Card from American Express offer?

The Blue Business Plus Credit Card from American Express
  • Earn 10,000 Membership Rewards points when you spend $3,000 on purchases in the first 3months of card membership.
  • Earn 2X Membership Rewards points on your first $50,000 spent on purchases each year, then 1X points on all purchases after that.
  • Get 15 months of 0% intro APR on purchases and balance transfers (balance transfer fee of 3% or $5, whichever is greater).
  • Spend above your credit limit with American Express’ expanded buying power (see details below).
  • Monitor employee spending, transfer your card statements into Quickbooks and set an account manager, who can access and manage the card.
  • Add receipts and notes to transactions using a desktop or mobile device with the Spend Manager.
  • Get free employee cards.
  • Pay no annual fee.

For a business credit card with no annual fee, the Blue Business Plus Credit Card from American Express has a good limited-time intro bonus and competitive ongoing rewards. The ability to redeem your Membership Rewards points for a number of things, including travel or transferring them to a partnered travel program, provides cardholders with a lot of flexibility. Keep in mind that not all redemption options offer the same point value. For example, redeeming your Membership Rewards points for travel has more value (meaning your points are worth more) than redeeming for shopping with an online retailer. Additionally, it has one of the longer 0% intro APR periods you can find on a business credit card, with a 15-month 0% intro APR for both purchases and balance transfers, and its 3% balance transfer fee ($5 minimum) is fairly standard.

While its rewards are definitely nice, what makes this card stand out are the various ways it helps you track and control your business spending. For instance, you can designate someone you trust to be an account manager, who can help you run the credit account. This means they gain access to the same features as you, like monitoring employee card usage, setting spending alerts and exporting your financials to Quickbooks. There’s also the Spend Manager, which lets you conveniently attach receipts and notes to transactions from your desktop or mobile device and gives you year-end summaries on your business’ spending. Another intriguing perk is the ability to spend beyond your credit limit without paying an overlimit fee. American Express determines the amount you can spend above your credit limit by looking at a number of factors, including your payment history, credit history, financial resources and more, and that amount can increase as you continue to use the card responsibly. It’s important to note that the portion of your balance that is above your credit limit is due in full each month as part of your minimum payment due.

What are the downsides to the Blue Business Plus Credit Card from American Express?

A lot of the Blue Business Plus Credit Card’s features are rather extraordinary, but there are still some small business credit cards that edge it out when it comes to rewards. Specifically, Chase’s New! Ink Business Unlimited Credit Card has a higher intro bonus of $500, and it has the same spending requirement of $3,000 on purchases within the first 3 months of card ownership. Its ongoing rewards are comparable, too, earning 1.5% cash back on all purchases with no limits. While you can get greater value out of the Blue Business Plus Credit Card’s Membership Rewards points, that requires a conscious effort to maximize them, which typically involves using them for travel. If your business doesn’t incur many or any travel expenses, and what you care about most is a simple and effective rewards program, the New! Ink Business Unlimited Credit Card’s flat cash back rate will serve you better.

Should you apply for the Blue Business Plus Credit Card from American Express?

If you’re interested in a card that will help you track and categorize your business expenses, and you don’t mind having to do a little research to get the most out of your rewards, the Blue Business Plus Credit Card from American Express can be a valuable addition to your small business. However, if you aren’t keen on the Blue Business Plus Credit Card’s variety of extra features and just want a basic cash back card, you may want to look at some other options first.

Visit our Blue Business Plus Credit Card from American Express to learn more about this card and apply online.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.