Both Blue Business Cash and Plus cards provide valuable rewards, but each comes with distinct advantages for your business. When selecting the ideal card for you and your staff, consider your preferences for flexibility of points versus cash back rewards.
Both cards offer American Express Membership Rewards points that can be redeemed for flights, hotels and gift cards through the Amex Travel Portal – with Bankrate estimating that each point could be worth approximately 1 cent each when used to redeem products and services.
Cash back
The Blue Business Cash card is an excellent solution for small businesses that are in search of an easy rewards credit card with competitive rates across key categories, like up to $50,000 annual spending at 2 percent versus 1 percent for all other purchases. Furthermore, other useful benefits like purchase protection and extended warranty coverage can be provided as well as assigning one of your trusted employees to manage the account on your behalf. It should be remembered however that this card has its own credit limit that must be fully met each month in order to remain in good standing with them.
The American Express Blue Business Plus card provides more flexibility when it comes to earning travel rewards, making it an excellent option for anyone hoping to increase their travel rewards. Earn two Membership Rewards points on up to $50,000 spent each year (and one point per dollar after that), redeem them on airfare, hotel stays or any travel-related expense through Amex Travel portal; your points could even be transferred directly into one of Amex’s 18 airline or 3 hotel partners – further increasing their value!
Both cards offer great rates for business spending, but choosing between them depends on your annual expenses and whether or not cash back or rewards points is best. The Blue Business Plus card may be more suitable if your annual spending will surpass $50,000; otherwise consider other business cards offering unlimited 2% cash back like Capital One Spark Cash Plus for maximum earnings potential.
Both business credit cards should be carefully considered when searching for the ideal business credit card, taking into account each card’s specific features and benefits before making your selection. Keep the 2/90 rule in mind as both Amex cards can only be approved twice in any 90-day period.
Points
Both cards offer business owners a way to earn rewards on purchases made for business use, yet vary in how those points can be redeemed. The Blue Business Cash card offers simpler redemption, automatically applying rewards as statement credits on monthly bills – but it limits you to an annual maximum reward total of $50K. In comparison, the Blue Business Plus card gives more options for redeeming rewards such as travel booked through Amex, gift cards or merchandise purchases; you may even combine your points earned from different Amex Membership Rewards-earning cards for maximum return!
At the core, your decision between these cards comes down to whether you prefer straight cash back or the potential for high-value travel redemptions with Amex Points. Both cards provide several additional perks such as purchase protection and extended warranty coverage; however, Blue Business Plus card provides more extensive car rental coverage along with Expanded Buying Power, enabling you to go over your credit limit on an individual basis.
Blue Business Plus card users can look forward to an attractive bonus reward: 15,000 Membership Rewards points after spending $3,000 within three months – this incentive may seem appealing; however, keep in mind that Membership Rewards points don’t equate directly with cash; according to TPG valuations they could be valued at approximately 2 cents each.
Both cards offer no foreign transaction fees, making them ideal for businesses that conduct international trade. The Blue Business Plus card also boasts additional business features, such as auto rental collision damage waiver and travel accident insurance; an online application process that can be completed in minutes; as well as no-fee mobile apps and zero fraud liability and identity theft protection services.
Travel
American Express’ Blue Business Plus Credit Card is an ideal business credit card for small-business owners who wish to collect Amex Membership Rewards points, which are highly sought-after travel rewards that can be redeemed through 21 airline and hotel transfer partners. It boasts a competitive earnings rate and affordable annual fees when compared with similar cards on the market.
This card offers many features designed to reduce expenses, including free employee cards and an account manager designation. Furthermore, its expanded buying power, purchase protection and auto rental coverage make for great savings potential – plus, there’s even a generous welcome bonus of $900 cash back when spending $6,000 within three months!
Both cards provide good earning rates, with the Blue Business Plus card offering more flexibility than its competitor. In fact, this card is ideal for people looking to maximize their Membership Rewards points; you can use them not only for travel redemption but also pay fees on your statement, purchase merchandise from Amex online mall or directly purchase items such as Amazon and Best Buy products – although this doesn’t often yield substantial returns (around 1 cent per point or less).
Blue Business Plus card’s benefits make it an attractive choice, such as earning bonus points on airfare, hotels and car rentals – not to mention offering concierge services that help make the most out of any trip you take for business travel purposes. This card makes finding great deals easy!
Both cards offer rewarding programs, with the Blue Business Plus card offering Amex Membership Rewards points instead of cash back. Furthermore, its lower annual fee and competitive 2.7 percent foreign transaction fee make this card ideal for international travel if foreign transaction fees don’t bother you; otherwise this might not be suitable.
Annual fee
The Blue Business Plus card from American Express offers some of the most generous miscellaneous purchases rewards available, earning two Membership Rewards points on spending of $50K or less each year, then 1 per dollar thereafter. This generous reward stands out among similar cards offering only 1 point per dollar spent for these purchases. Furthermore, its welcome bonus of 15,000 points could easily equate to over $100 when redeemed against free flights!
Amex Blue Business Plus waives its annual fee for the first year, providing small businesses with extra cash back they can use to pay off credit card balances without incurring interest charges. In addition, this card also features various additional advantages, including an introductory 0% APR period on purchases; after this point variable APR rates apply. Furthermore, purchase protection and extended warranty coverage is included and certain expenses beyond credit limit can be covered without incurring over-limit charges.
Amex Blue Business Plus card’s greatest strength lies in its flexible redemption option; you can utilize Membership Rewards points for travel or use them towards statement credit depending on which option best meets your needs. In addition, this card features additional helpful perks, such as accessing their global assist hotline during international trips.
Blue Business Cash and Blue Business Plus cards are great rewards cards with valuable earning rates and benefits, but which card best meets your spending habits will depend on how you intend to redeem your rewards – for travelers collecting points that can be redeemed for premium cabin travel, the Blue Business Plus is often more suitable.