The explanation why the Amex Blue Enterprise Plus is a superb possibility

With many selections relating to enterprise bank cards — together with the totally different charges, rewards and redemption choices that include them — selecting the best card to your firm may need you feeling adrift.
That is the place TPG might help.
An underrated card to think about is The Blue Enterprise® Plus Credit score Card from American Categorical. 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 charge (see charges and charges). Listed below are seven the explanation why the Blue Enterprise Plus card deserves a spot in your pockets.
No annual charge
There isn’t any annual charge to hold the Blue Enterprise Plus, so there’s actually no cause to not apply if the cardboard looks like a superb match for your enterprise.
Lots of the finest enterprise playing cards have annual charges. If your enterprise is smaller or simply getting began, you might not be capable of afford the often-high charges related to many common playing cards. If that is the case, a card just like the Blue Enterprise Plus could be a nice match.
Associated: The entire information to bank card annual charges
Membership Rewards factors
This offers you entry to award bookings from airline and lodge packages world wide. In line with TPG’s July 2025 valuations, Membership Rewards factors are value 2 cents per level if you use Amex’s switch companions to redeem. It is attainable to get much more worth from that with the correct bookings.
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Associated: Find out how to redeem American Categorical Membership Rewards for optimum worth
Easy reward construction
You may 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.
For example, if your enterprise 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 at the 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 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 straight with airways or by way of 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 principal 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 most effective 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 preserve incomes 2 factors per greenback on worker spending.
Associated: Approved consumer 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, cost historical past and credit score historical past. Phrases apply.

Cash spent exceeding your credit score restrict should be paid by a particular due date; your full credit score restrict quantity will be carried ahead (though at TPG, we advocate paying balances off in full every time attainable).
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 a further 12 months on unique 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).*
- Automotive 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).**
- World help hotline: This service gives you with data on customs data, passport and visa data, journey inquiries, overseas alternate 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, 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 varieties 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 Categorical 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 liable 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 considered one of our favourite small-business bank cards.
Due to its easy incomes construction, this card is a good way for enterprise homeowners to earn beneficial Membership Rewards factors. It can be an incredible complementary card when paired with different bank cards in Amex’s roster, particularly in the event you’re on the lookout 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 Categorical
For charges and charges of the Blue Enterprise Plus, click on right here.
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