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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.
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
15k Membership Rewards® Points after you spend $3,000 in purchases on your Card in your first 3 months of Card Membership
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
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?
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
2x on everything
As I mentioned up above, you get 2x points on every single purchase, up to $50k a year, then 1x thereafter
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 is a great everyday card to earn 2x Membership Rewards.
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
Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening
Annual Fee
$95
Points Earned
Transferrable Chase Ultimate Rewards
- 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 Points Boost
- each account anniversary you’ll earn bonus points equal to 10% of your total purchases made the previous year
- Points are transferrable to 14 Ultimate Rewards partners
- No foreign transaction fees
- Suite of Travel and Purchase Coverage
- Auto Rental Collision Damage Waiver is my favorite
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders
- $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.
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