We may receive a commission when you use our links. Monkey Miles is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com and CardRatings. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Monkey Miles is also a Senior Advisor to Bilt Rewards. Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
The Blue Business® Plus Credit Card from American Express
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
One of the very best small business credit cards is The Blue Business® Plus Credit Card from American Express. It offers 2x points, regardless of category, on every single dollar you spend, up to $50k, after that you’ll earn 1x per dollar.
Note these offers come and go so keep an eye out for when they chance and shoot me an email if you see a better one than what I have listed and I’ll embed the link.
- Best Biz Cards
Amex Refer-a-friend
Information about this card has been collected independently by Monkey Miles. Card issuer is not responsible for the information or accuracy.
The Blue Business® Plus Credit Card from American Express
2x on every single purchase up to $50k a year, then 1x on additional purchases after that threshold is met
Welcome Offer
30k Membership Rewards after $6k spend in 3 months
(check to see if referrals are offering higher YMMV)
Annual Fee
Points Earned
Transferrable American Express Membership Rewards
Super straight forward business card.
2x on every single purchase up to $50k a year, then 1x on additional purchases after that threshold is met
I use this in tandem with other Amex cards that have category bonuses, and throw spend on the Blue Business Plus when I can’t earn a higher multiple
- No Annual Fee. (Rates and Fees)
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- *Rates and Fees; terms apply
We keep an up to date spreadsheet that lists what the highest offers: You can find that spreadsheet here.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
Does this count against your 5/24?
Amex does not report business cards on your personal credit report, so this will not add to your Chase 5/24 number
Is this the best offer ever?
The best ever has been 50k after $12k spend in 12 months. That Referral offer comes and goes. You should definitely reference our best offers spreadsheet
You may be a small business and not know it.
Do you tutor as a side gig? Buy and Sell on Ebay for profit? Perhaps you consult to subsidize your income. Blog, Vlog, or get paid to walk the dog? All of these things, and similar activities, may actually qualify you to be a sole proprietor and thus…a small business. Why not have a card that segregates all those expenses and make your life easier come tax time.
You can read all about Small Business Credit Cards here
If you’re earning income on a 1099, you’re good to go. Some examples of those are…
- Online Coaches, tutors, etc
- Uber and Lyft drivers (assuming they still get 1099s whenever you’re reading this).
- DoorDash, GrubHub and Postmates
- Social Media income ( TikTok, Instagram, YouTube )
- Cater Waiters
- Personal Trainers
- Dog Walkers
- Freelance graphic designers and web designers
- Singers, artists, dancers, models, etc
- Virtual Assistants
- Ebay, Amazon and Facebook resellers
Here’s how it works with our site and referrals: do not spam post or I’ll block your referral
First off, this is meant to help everyone. So, if you’re posting your referral a dozen times a day, week, month, and trying to manipulate the comment section, I’m going block your referral for abuse. No ifs ands or buts – if I see you’re doing it, or you’re flagged by another use, I’ll just block you from ever posting. Let’s not ruin a good thing.
We earn commission when you use our links via our partner Cardratings or CreditCards.com and are really grateful when you do, but we also publish other deals that may be attractive to you. Referrals, are one of those other deals, and is a way we can give back to you for supporting us since you earn a referral bonus when someone uses your link.
We want to give you an opportunity to earn some valuable points as well, and so this is how we go about doing it.
- We add our own referrals first
- Because we use a ton of points every year and publish reviews of the flight and hotels we take, but we quickly max out
- We add those of friends and family to load up their accounts
- Once those are maxed out
- We then import your links from the comments section below to help you out.
- We usually leave those up for a few weeks and cycle through them, or when we get an email notifying us that someone’s account has maxes out
You can also leave referrals for
- The Platinum Card® from American Express
- American Express® Gold Card
- The Business Platinum Card® from American Express
- American Express® Green Card
- American Express® Business Gold Card
- Hilton Honors American Express Aspire Card
- Blue Business® Plus Credit Card
- The American Express Blue Business Cash™ Card
- Amex EveryDay® Preferred
*I would note that you get more action when the referral is correlated to the article.
2x on everything
As I mentioned up above, you get 2x on every single purchase, up to $50k a year, then 1x
Referrals
I make 55k a year, per card, on every single Amex that I keep in my wallet. If you’re a regular reader of the blog, you know that I push my links first, then family and friends, and ultimately you guys. I run contests and promos where you can win a featured slot, but also just randomly select links you add in the comments section. Feel free to add your referrals down below.
Overall
This is a card that I keep in my wallet and use all the time, it’s been in our Monkey Miles top cards since it was introduced, and fills in the category bonus gaps that mean you never earn less than 2 Membership Rewards per dollar spent. That’s pretty fantastic.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
Chase Sapphire Preferred® Card
Welcome Offer
$300 Chase Travel℠ Credit + Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- $300 Chase Travel℠ Credit + Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- That’s worth $750 when redeemed through Chase Travel℠. Plus, get up to $300 in statement credits on Chase Travel℠ purchases within your first year
- 5x on all travel purchased through Chase Travel℠
- 3x on dining, including eligible delivery services for takeout & dining out
- 3x on select streaming services
- 3x on online grocery purchases
- (excluding Target, Walmart and wholesale clubs)
- $50 Annual Chase Travel Hotel Credit via Chase Travel℠
- The begins immediately for new cardmembers and after your account anniversary for existing cardmembers
- 2x on all other travel
- 10% Anniversary Bonus
- Every year you keep the card, your total spend will yield a 10% points bonus. If you spend $10k in a year, you’ll get 1k bonus points
- Chase Sapphire Preferred continues to redeem at 1.25c in the Chase Travel℠ and the slew of other benefits remain in tact including Auto Rental Collision Damage Waiver ( primary ), purchase protections, etc.
- Points are transferrable to 14 Ultimate Rewards partners
- Redeem in Chase Travel℠ for 1.25 cents per point
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
- $95 Annual Fee
We keep an up to date spreadsheet that lists the best ever offers: You can find that spreadsheet here.
Historically 80k is a very, very good offer and hit in both 2022 and 2023. In 2021, we saw the offer hit an all time high of 100k. Who knows if that will ever come back.
Main Cast:
Cards that earn flexible points and should be used on the bulk of your purchases.
Supporting Cast:
Cards that earn fixed points in the currency of the airline/hotel and can not be transferred at attractive rates. These cards yield benefits that make it worth keeping, but not necessarily worth putting a lot of your everyday spend on.
The Chase Sapphire Preferred® is exceptional starter card and offers transferrable Ultimate Rewards, and pairs well with other Chase cards.
If you carry this card alongside Chase’s cashback cards like the Chase Freedom Flex® and Chase Freedom Unlimited® or the business versions: Ink Business Cash® , Ink Business Unlimited® you can combine the points into Preferred account and transfer into hotel and airline partners
Annual fee is quite low at $95 a year + you get a 10% anniversary bonus on points + $50 hotel credit in Chase travel.
The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.