With many decisions in relation to enterprise bank cards — together with the totally different charges, rewards and redemption choices that include them — choosing the proper card on your firm may need you feeling adrift.
That is the place TPG will help.
An underrated card to think about is The Blue Enterprise® Plus Credit score Card from American Specific. Amex designed this card for small companies and sole proprietorships utilizing a simple reward system.
You may earn rewards on on a regular basis spending and enterprise bills for no annual price (see charges and costs). Listed here are seven explanation why the Blue Enterprise Plus card deserves a spot in your pockets.
No annual price
There isn’t any annual price to hold the Blue Enterprise Plus, so there’s actually no cause to not apply if the cardboard looks as if a great match for your online business.
Lots of the finest enterprise playing cards have annual charges. If your online business is smaller or simply getting began, it’s possible you’ll not have the ability to afford the often-high charges related to many standard playing cards. If that is the case, a card just like the Blue Enterprise Plus is usually a nice match.
Associated: The whole information to bank card annual charges
Membership Rewards factors
Amex Membership Rewards factors are a few of the most useful in the marketplace. American Specific has 20 switch companions — 17 airways and three motels.
This provides you entry to award bookings from airline and lodge applications all over the world. In response to TPG’s July 2025 valuations, Membership Rewards factors are value 2 cents per level whenever 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: Tips on how to redeem American Specific Membership Rewards for max worth
Easy reward construction
You will earn 2 factors per greenback spent on each eligible buy you make on the Blue Enterprise 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 without doubt one of the finest 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.
For example, if your online business books many flights, this card would work finest in tandem with The Enterprise Platinum Card® from American Specific.
Associated: What are American Specific Membership Rewards factors value?
Pairing with different Amex playing cards
Pairing the Blue Enterprise Plus with different Amex playing cards just like the American Specific® Gold Card and The Platinum Card® from American Specific creates an Amex trifecta — through which all playing cards earn Membership Rewards factors.
With this trifecta, you may earn at the very least 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 eating at eating places 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 immediately with airways or by way of American Specific 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 important 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: One of the best playing cards to pair with the Amex Gold
Worker playing cards
One other perk is that American Specific lets you add as much as 99 worker playing cards, which lets you hold incomes 2 factors per greenback on worker spending.
Associated: Licensed consumer on an organization bank card: What to know
Expanded shopping for energy
Amex lets you exceed your credit score restrict for giant 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 selected due date; your full credit score restrict quantity will be carried ahead (though at TPG, we suggest paying balances off in full each time potential).
Associated: Amex Blue Enterprise Money vs. Blue Enterprise Plus
Insurance coverage advantages
Amex playing cards include a slew of insurance coverage advantages, and the Blue Enterprise Plus isn’t any exception. Cardmembers will take pleasure in:
- 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).*
- Automobile rental loss and injury insurance coverage: Obtain advantages of as much as $50,000 per rental settlement (Word that that is secondary insurance coverage and doesn’t embody legal responsibility protection).**
- International help hotline: This service supplies you with info on customs info, passport and visa info, journey inquiries, overseas trade charges, vaccination info, 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 fluctuate 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 stage varies by card. Not all automobile sorts 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 way of American Specific Journey Associated Providers Firm, Inc.
***Eligibility and profit stage varies by card. Phrases, situations and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are chargeable for the prices charged by third-party service suppliers.
Associated: Your full information to journey protections on American Specific playing cards
Backside line
Though it would not have any particular bonus classes, the Amex Blue Enterprise Plus card is certainly one of our favourite small-business bank cards.
Because of its easy incomes construction, this card is a good way for enterprise house owners to earn precious Membership Rewards factors. It can be an important complementary card when paired with different bank cards in Amex’s roster, particularly in the event you’re searching for methods to fill some gaps in your incomes technique.
To study extra, take a look at our full evaluation of the Blue Enterprise Plus.
Apply right here: The Blue Enterprise Plus Card from American Specific
For charges and costs of the Blue Enterprise Plus, click on right here.
