Amex Blue Business Plus

Earn 15,000 Membership Rewards points after spending $3,000 on eligible purchases within your first 3 months of card membership. This is a one-time bonus available to new cardholders who meet the spending requirement in that window.

You earn 2 Membership Rewards points for every dollar spent on eligible purchases, up to $50,000 in a calendar year. Once you cross that threshold, spending earns 1 point per dollar. Points can be redeemed in a variety of ways, including travel and statement credits.

Earn 1 Membership Rewards point per dollar on all eligible purchases once you've exceeded $50,000 in spending within a calendar year. The 1X rate kicks in automatically after the 2X cap is reached and applies for the rest of that calendar year.

When you charge your full rental to this card and decline the rental company's collision damage waiver, you get secondary coverage for theft or damage up to $50,000. This coverage is secondary, meaning it kicks in after any other insurance you have. Some vehicle types, rentals, and geographic areas are excluded.

Expanded Buying Power lets you make purchases beyond your standard credit limit when your business needs it. The extra amount available flexes based on your card usage, payment history, and overall financial profile. It is not unlimited, and the available overage can change over time.

You can add authorized users to your account at no additional annual fee. Their purchases count toward your rewards earning, helping you accumulate points faster across your business.

New cardholders pay 0% interest on purchases for the first 12 months from account opening. After that, a variable APR between 16.74% and 26.74% applies based on your creditworthiness. This window can help businesses manage cash flow on larger purchases.

You can issue cards to up to 99 employees at no extra cost. Employee spending earns 2X Membership Rewards points per dollar (subject to the same $50,000 annual cap), and all points flow into your primary account automatically.