With many decisions relating to enterprise bank cards — together with the totally 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 can assist.
An underrated card to contemplate is The Blue Enterprise® Plus Credit score Card from American Specific. Amex designed this card for small companies and sole proprietorships utilizing an easy reward system.
You may earn rewards on on a regular basis spending and enterprise bills for no annual payment (see charges and costs). Listed here are seven explanation why the Blue Enterprise Plus card deserves a spot in your pockets.
No annual payment
There is no such thing as a annual payment to hold the Blue Enterprise Plus, so there’s actually no motive to not apply if the cardboard looks like a superb match for your corporation.
Lots of the finest enterprise playing cards have annual charges. If your corporation is smaller or simply getting began, it’s possible you’ll not have the ability to afford the often-high charges related to many in style playing cards. If that is the case, a card just like the Blue Enterprise Plus generally is 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 resort packages around the globe. Based on TPG’s July 2025 valuations, Membership Rewards factors are price 2 cents per level once you use Amex’s switch companions to redeem. It is doable to get much more worth from that with the suitable bookings.
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Associated: Easy methods to redeem American Specific 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 among the finest charges for any enterprise card relating to on a regular basis spending. Plus, there aren’t 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 your corporation 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 price?
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 — wherein all playing cards earn Membership Rewards factors.
With this trifecta, you may earn a minimum of 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 Specific 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: One of the best playing cards to pair with the Amex Gold
Worker playing cards
One other perk is that American Specific 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 person on an organization bank card: What to know
Expanded shopping for energy
Amex means that you can exceed your credit score restrict for large 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 have to be paid by a selected due date; your full credit score restrict quantity may be carried ahead (though at TPG, we advocate paying balances off in full each time doable).
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 get pleasure from:
- Prolonged guarantee safety: Purchases are lined 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 embody legal responsibility protection).**
- World help hotline: This service supplies 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 differ 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 degree varies by card. Not all automobile sorts or leases are lined, 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 Specific Journey Associated Companies Firm, Inc.
***Eligibility and profit degree varies by card. Phrases, circumstances and limitations apply. Go to americanexpress.com/benefitsguide for particulars. Cardmembers are liable 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 invaluable Membership Rewards factors. It can be an ideal complementary card when paired with different bank cards in Amex’s roster, particularly should you’re in search of 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 Specific
For charges and costs of the Blue Enterprise Plus, click on right here.
