With many decisions in the case of enterprise bank cards — together with the completely different charges, rewards and redemption choices that include them — selecting the best card in your firm may need you feeling adrift.
That is the place TPG will help.
An underrated card to contemplate is The Blue Enterprise® Plus Credit score Card from American Categorical. Amex designed this card for small companies and sole proprietorships utilizing a simple reward system.
You’ll be able to earn rewards on on a regular basis spending and enterprise bills for no annual price (see charges and costs). Listed here are seven the explanation why the Blue Enterprise Plus card deserves a spot in your pockets.
No annual price
There isn’t a annual price to hold the Blue Enterprise Plus, so there’s actually no cause to not apply if the cardboard looks as if an excellent match for what you are promoting.
Most of the finest enterprise playing cards have annual charges. If what you are promoting is smaller or simply getting began, it’s possible you’ll not be capable of afford the often-high charges related to many widespread playing cards. If that is the case, a card just like the Blue Enterprise Plus could be a nice match.
Associated: The whole information to bank card annual charges
Membership Rewards factors
This provides you entry to award bookings from airline and lodge packages world wide. Based on TPG’s July 2025 valuations, Membership Rewards factors are value 2 cents per level once 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: How you can redeem American Categorical Membership Rewards for optimum 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 12 months. The speed drops to 1 level per greenback spent on eligible purchases after that.
This is likely one of the finest charges for any enterprise card in the case of 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 supplied by different playing cards in sure spending classes.
As an illustration, if what you are promoting books many flights, this card would work finest in tandem with The Enterprise Platinum Card® from American Categorical.
Associated: What are American Categorical Membership Rewards factors value?
Pairing with different Amex playing cards
Pairing the Blue Enterprise Plus with different Amex playing cards just like the American Categorical® Gold Card and The Platinum Card® from American Categorical creates an Amex trifecta — wherein all playing cards earn Membership Rewards factors.
With this trifecta, you will earn not less than 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 12 months, then 1 level per greenback) and at U.S. supermarkets (on as much as $25,000 in purchases per 12 months, then 1 level per greenback).
The Amex Platinum earns 5 factors per greenback spent on flights booked instantly with airways or by American Categorical Journey®, on as much as $500,000 on these purchases per calendar 12 months, then 1 level per greenback.
TPG contributing editor Matt Moffitt makes use of this card as his major go-to for nonbonus spending.
As a part of the Amex Trifecta, he purchases flights along 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 12 months, then 1 level per greenback).
Associated: The very best playing cards to pair with the Amex Gold
Worker playing cards
One other perk is that American Categorical means that you can 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 means that you can 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 might be carried ahead (though at TPG, we advocate 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 is not any exception. Cardmembers will take pleasure in:
- Prolonged guarantee safety: Purchases are coated for an extra 12 months on authentic warranties of 5 years or much less, as much as $10,000 per merchandise and $50,000 per account per calendar 12 months.*
- 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 12 months).*
- Automobile rental loss and harm insurance coverage: Obtain advantages of as much as $50,000 per rental settlement (Word that that is secondary insurance coverage and doesn’t embrace legal responsibility protection).**
- International help hotline: This service offers you with data on customs data, passport and visa data, journey inquiries, overseas change charges, vaccination data, 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 range by card. Phrases, circumstances 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 car sorts or leases are coated, and geographic restrictions apply. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Insurance policies are underwritten by AMEX Assurance Firm. Protection is obtainable by American Categorical Journey Associated Companies Firm, Inc.
***Eligibility and profit stage varies by card. Phrases, circumstances 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 Categorical playing cards
Backside line
Though it does not have any particular bonus classes, the Amex Blue Enterprise Plus card is one in all our favourite small-business bank cards.
Due to its simple incomes construction, this card is an effective way for enterprise house owners to earn useful Membership Rewards factors. It will also be an amazing complementary card when paired with different bank cards in Amex’s roster, particularly should you’re searching for methods to fill some gaps in your incomes technique.
To study extra, try our full assessment of the Blue Enterprise Plus.
Apply right here: The Blue Enterprise Plus Card from American Categorical
For charges and costs of the Blue Enterprise Plus, click on right here.
