Posted by Chuck on May 25, 2017
Credit Card Review

Published on May 25th, 2017 | by Chuck

64

FAQ about Amex Blue Business Plus Card

This card currently has no sign up bonus.

Amex released a new 2x everywhere card called the Blue Business Plus card. There is a maximum of $50,000 in spend per calendar year which earns 2x, beyond that it earns just 1x per dollar.

  • Here’s a Direct Link (non-affiliate) to the card offer.

In this post we’ll discuss the new card in more detail and answer some of the questions readers asked as well.

 

Does the card have a signup bonus?

Most public signup links don’t have any signup bonus. However, affiliate channels do have a 20,000 MR signup bonus offer after spending $3k. We don’t use affiliate links on the site, but you can go to your favorite blogger who does have those link and use theirs.

A reader also found a non-affiliate link with the offer: Direct Link

I doubt we’ll see a bigger signup bonus on the card (with the possible exception of targeted offers); my impression is that this is Amex’s new ‘Double-Cash’ kind of card, not something that they’ll promote with big bonuses. Good chance this 20k bonus is time-limited.

If I previously had the old Blue for Business, can I get the signup bonus on this card?

The rule with Amex is that you can’t get the bonus if you had the card previously (even if you didn’t get a bonus the first time). This card, too, has those terms: “Welcome bonus offer [is] not available to applicants who have or have had this product.”

Typically, a rebranded product would be considered a new card which means you can get the bonus on this new version of the card. I reached out to @askamex to verify and they confirmed that you will be eligible for the bonus.

Will the card count toward 5/24 on my credit report?

Amex business cards don’t show up on the credit report and won’t count toward 5/24. Further, balances shown on Amex business cards don’t hurt your credit score since they aren’t reported to the personal credit bureaus.

Can I get this card if I already have 4 Amex cards?

This card is a credit card, not a charge card, which means it counts toward your limit.

The limit used to be 4, though recently many people have been able to get 5. The limit combines personal and business cards. If you already have 5 Amex credit cards, you won’t be able to get this card.

Is the old Blue for Business card still available?

It’s been discontinued for new signups in favor of the new version. Many people still have the old version from previous signup.

What’s are the key differences between the old Blue for Business card and the new Blue Business Plus card?

Key changes:

  • The new card earns 2x everywhere (up to $50k) while the old version earned just 1.3x (after the annual bonus).
  • The new card earns real, transferrable Membership Rewards points while the old one earned an anomalous, non-transferrable version of MR points. (This doesn’t matter for people who have other real MR-earning cards.) There are now two options if you want a no-fee Amex card to keep your MR points alive: Amex Everyday and Blue Business Plus.

Can I product change my old Blue to the new Blue Business Plus card?

The old Blue for Business card should be easily product-changable to the new version. We’ll need data points to confirm. No hard pull is done for product changing. [Update: People are reporting that Amex is not allowing this now. If I had to guess, I’d say that it just takes time to be able to product-change to a new product, and in a few months it’ll work.]

The timing is also good since many people have just a few months left until their old Blue for Business card 2.3x offer ends. Just be sure to wait until your 30% bonus posts at the end of the year before switching.

If you product change instead of applying, you’ll lose out on the 20k signup bonus. While that bonus is on the small side, remember this card isn’t showing up as new on your credit report anyway, so it’s just the hard pull.

You have to decide if a hard pull is worth 20k MR to you. A year ago I’d have said no, now I’d probably do it. Remember, Amex has been approving some existing customers without any hard pull at all.

Can I product-change a different card to the new Blue Plus?

Good question.

You certainly won’t be able to product change a charge card to become a credit card or a personal card to become a business card. That leaves us with six potential candidates for product changing: SPG, one of the Delta cards, SimplyCash, and Lowes.

The best chance would be SimplyCash since it’s not a co-brand. Data points needed.

My impression had always been that co-brands could not be product-changed, however, there is one data point of someone who was able to change a Delta to a Blue last year. (They even sent me a screenshot showing the two cards with the same card number.)  If you try this, please let us know how it went.

Will I get 3x on Uber (2 base + 1 promotional)?

I don’t think so. It’s not in this list of cards.

Does the card have any fees?

No annual fee. It does have a 2.7% foreign transaction fee.

Should I signup for the card?

It obviously depends a lot on how you value Membership Rewards points. Remember, MR value will go down soon for a lot of people when the Platinum 50% rebate dies.

If you value MR at a conservative 1.5%, then this will be a 3% card for $50k of annual spend. That’s an extra $500 in rewards over a 2% card or $250 over a 2.5% card. Or we can compare it to the Everyday Preferred which earns 1.5x. You can earn an extra 25,000 MR points each year by using the business card.

It’s also good for those who are always maxed out on their 2% cards – this will be another solid, all-around card to use (within it’s $50k limit). The card primarily makes sense for someone who will max out the $50k spend or come close to it.

For me, another big advantage to this card is that fact that it’s a fee-free business card for Amex Offers! Due to all the scrutiny on how many new cards appear on your credit report, I try adding AUs to business cards instead of personal cards. The problem is that I don’t want to add AUs to a card like business Platinum which might get cancelled at year’s end. A fee-free card is a perfect candidate for AU’s.



64 Responses to FAQ about Amex Blue Business Plus Card

  1. Jeff G says:

    Damn Chuck, great succinct post.

    Do you think a person will now need to have both the EDP and Blue Business Plus? In this example, consider that this person will not reach the $50K spending on the Blue.

    • Chuck says:

      EDP does get 3x grocery/$6k. Aside from that, not sure if there’s any reason for someone to pay the $95 fee on the EDP, unless they need more than $50k bandwidth.

      • Jeff G says:

        I get stuck on the possibility of the 4.5x grocery with 30 transactions. That is pretty sweet, but the Blue makes it pretty easy to just do for the 2x and no fee. I guess it depends on how often one wants to go through the self checkout lines to scan item by item to get to 30 transactions, or any other slow way to get to 30 transactions.

        Too many good credit card options out there!

        • Chuck says:

          Right, yeah, 4.5 and also 3x on gas with the bonus

        • Gerald says:

          Easiest way to hit 30 transactions is to do $1 loads to your Amazon balance.

        • Jags says:

          After careful consideration I will be downgrade my EDP when the AF comes due. It just doesn’t make any sense–especially since where I live I have no outlet for grocery store purchased gift cards.

          1.5X everywhere is certainly worse than 2X with BBP and I would argue worse than 1.5X UR.

          3X on gas is tough but I get 2x UR with Ink Cash or 4% CB with Costco Anywhere plus I get to buy at Costco which is by far the cheapest option in my area–a good $0.10/gallon less than elsewhere.

          4.5X on groceries…well the reality is I have 4 Freedoms between my spouse and me and I can stock up on grocery gift cards at 5x. And I also have 3% CB on groceries through numerous cards…

          And all of this avoids the 30 transaction nonsense.

          I don’t see how the EDP provides $95 of value anymore unless you are seeking 1 card for all spend, which I will admit, it is likely the strongest card for most people who only want 1 card.

  2. Mist Soalar says:

    I was looking for some cooldown card for my 5/24 status. I think this is perfect for my situation 🙂

    • perfectviking says:

      That’s exactly why I decided to apply for this card today with someone’s affiliate link. I wanted something that earned well and could be used by my partner and me but not hit our reports.

  3. Jason says:

    Would this be a good first AMEX for someone? I’ve been holding off to get under 5/24 soon and ignored Amex completely so far.

    • DSP says:

      Absolutely not. You will want to focus on the much more luctrative 50k, 75k, and 100k offers that exist via PRG, BGR, and different variants of the Plat card. The only way this card makes any bit of sense is if one is otherwise unable to meet the spend requirements on those bigger offers.

      • Jason says:

        Thank you for confirming. Clearly I gotta lot to study about Amex.

        • DGS says:

          If you’re looking for a first Alex just to get your foot in the door, I would recommend the personal Green or basic Gold charge Card. They’re pretty easy to get if you have a decent FICO score and no recent lates or excessive inquiries. You might be able to find a sign up bonus of 25,000 MR points if you look for them. Keep us posted.

  4. sybloc says:

    Ugh. Can’t believe that, literally, a few hours of waiting would of made a 20,000 point difference. So typical of my luck/life.

    • Bob says:

      I don’t understand people who rush Amex apps when you know it’s once per lifetime. Like, uh…..You couldn’t wait and see if there’s a bonus? Had to apply as soon as it was announced on DoC and Reddit? Your own damn fault

  5. Aahz says:

    “That leaves us with six potential candidates for product changing: SPG, one of the Delta cards, SimplyCash, and Lowes.”

    There’s actually another one since there are two SimplyCash cards – SimplyCash and SimplyCash Plus. The non-Plus is no longer available for new apps, but many people still have it.

  6. Jim F says:

    Would you take the SPG biz over this?

    • Gerald says:

      SPG Business had a 35K offer until recently (25K for $5000 spend within 3 months, an additional 10K for another $3000 spend within 6 months). I don’t know what the current offer is. There’s a $95 annual fee that’s waived for the first year. SPG points are more transferable than MR points. The big advantages of this Blue card are the 2X and the $0 annual fee.

  7. Landon says:

    DP — I tried to product change from SimplyCash today and was told that would not be possible.

    • MSer says:

      Amex wouldn’t let me pc from old Simply Cash to the new SC Plus – tried several times as it made no sense not to be able since same family. Little surprise wouldn’t let you pc to this card.

      • Don says:

        They won’t let you PC from a card that earns cash to one that earns MR. I’ve tried several times with my blue cash and they’re not in the same network or something.

  8. Ya says:

    Who is eligible for this “business” card? Can I apply it for myself?

  9. TomT says:

    It seems that removing the affiliate ID portion of the URL seems to allow you to get the bonus offer page without giving any affiliate credit: https://www262.americanexpress.com/apply-card/business-card/bluebusinessplus-credit-card/151/44960

  10. TomT says:

    OK, I am seeing the 20,000 MR point bonus offer even without any number in the URL: https://www262.americanexpress.com/apply-card/business-card/bluebusinessplus-credit-card

  11. Abey says:

    I like how you pointed out the amex offers and the AU’s. Good points.
    Question: does this card keep your amex points from expiring or losing them if you close the amex gold or platinum?

    • TanT says:

      Yes, DoC pointed it out in “What are the key differences…” part. Now we have two no annual choices: Everyday (personal) and Blue Biz Plus (biz).

  12. Lrdx says:

    Does this get an extra point (so 3x total) on AmEx travel?

    • TanT says:

      According to the benefits terms “You will get 1 Membership Rewards® point for every eligible dollar you spend on your Membership Rewards program-enrolled American Express® Card. You will get 1 additional point (***for a total of 2 points***) for each dollar of eligible travel purchases made on amextravel.com”.

      It looks like only 2x, not 3x.

  13. Chicagoan33 says:

    Hi my first ever Biz card is the Chase Ink Preferred which I got a month ago. I have 0 Amex biz cards. I’d like to get targeted more for the larger Amex biz card bonuses. I’ll be under 4/24 early next year so just want to stick with Amex biz cards for now. Would you all suggest getting this card as my first biz card in the hopes that a miracle happens & I’ll get targeted for Amex Plat Biz 100k/5k spend? With the help of readers here I was able to get last month personal Amex Plat Incognito 100k. Thanks!

    • Chuck says:

      I have many Amex cards and I never get targeted for those 100k offers. I’ve gotten them from some time-limited/leaked links. So there’s always that.

      • Chicagoan33 says:

        Thanks Chuck! Do you recall if you were targeted for the Amex Biz Gold 75k offer that recently expired? I’m hoping if I make this Blue Biz card my first Amex biz card, then perhaps I can get targeted in the future for that lovely offer.

        • Chuck says:

          I was targeted for that. Good point.

          It is logical that they’ll only target those kinds of offers to those who have existing business cards so that they know you have a business.

          • Chicagoan33 says:

            Hi Chuck I know you wrote a post about Chase sometimes contacting Biz card users about using the card for personal purchases, I don’t think we need to worry about it but have you ever heard of Amex doing that? I probably will buy groceries & other non-category spend on this biz card. Thanks!

          • Chuck says:

            I haven’t heard of Amex making an issue with that.

  14. charles chang says:

    applied and got instant approval. This makes my amex ED card useless

  15. Jay says:

    I have no annual fee Amex Everyday card for over 2 years just to keep my Membership points. Does it make sense to replace with Amex Blue Business Plus Card since this is also no annual fee?

  16. gman says:

    Question (Chuck or anyone): Me and wife have been churning for a while and we lost track of amex cards we had a while back. Is there a simple way to figure out which cards we have already had in the past? (not this card specifically just in general)

    • TanT says:

      Chat with an CSR and ask them for a list of your previous cards in their record. Some people figured out the length of “one bonus per lifetime” this way.

      • Eric says:

        I’ve learned the hard way that what a CSR tells you doesn’t matter to Amex. How can you trust they are right?

  17. iahphx says:

    I think the best thing about this card is that it’s a “get it and forget it” card, that provides an excellent non-category-specific rebate. It’s the perfect card to add authorized users to, and we all know that — a few times a year — an AMEX offer can be quite lucrative if you have additional cardholders. In the past year, the AMEX offers have even been BETTER for biz cards, so this one could prove quite lucrative. Basically, you’re getting money for nothing, and don’t have to ever deal with an annual fee.

  18. EXIA12126 says:

    Another great round up as per usual. DoC, I think I speak for a significant portion of your readership when I say that these situations are when I actually do wish your site had some affiliate links placed somewhere off to the side. I heavily utilize your site and would personally love to be able to give back for all the work you and others put into putting out one of the few trusted sources of information on this hobby. I know that affiliates have other strings attached regarding content, but if you ever did decide to throw some up, I would certainly use them as a well deserved thank you.

    • Irshad says:

      I would second this to have affiliate links and make some money out of it. Why cant you have both? I mean Publish good content which benefits your readership (which you already are doing) and also make money from affiliate links.
      The key would be not to compromise in terms of quality when you go with affiliate links and publish content which does not benefit your reader base. Just my $0.02

  19. Justin says:

    I’m planning on applying for the BGR through a targeted offer in a few weeks. Guess this would be a no-brainer to get at the same time since the pulls should combine?

  20. Chris M says:

    I don’t currently have any Amex cards, but have been looking for one that earns MR and doesn’t have a fee. If I got this card, it would be to transfer the MR points to a Flying Blue account (Air France’s FF program). On the Flying Blue site, it says in order to transfer MR points in, the name on the MR account has to match the name on the Flying Blue account. My wife’s Flying Blue account is the one with all the points in it, but my business has my name on it only. Would my wife have to apply for some other MR card and then would I have to transfer the MR points from this card to her card or order for her to transfer the points to Flying Blue? Is that even possible (to transfer MR points from a husband’s account to a wife’s account?

  21. Jen says:

    Do you think Amex will eventually allow referrals to this card? I tried to generate a referral, but no luck, yet. Thanks.

    • Chuck says:

      I’ll hazard a guess that if there is a referral offer it’ll be with no bonus (similar to the public, non-affiliate signup bonus now). We shall see.

  22. Paul says:

    Just got card,wondering if daily $200 serve loads count as spend.

  23. Nick says:

    My first statement closed yesterday and I already spent over 3k but did not see any point posted. When do I expect to see the 20k bonus points?

  24. Chicagoan33 says:

    Hi for the folks that got approved instantly, was the cc# given to you immediately or did you have to wait for it to arrive in the mail? Thanks.

    • alex says:

      Approved instantly here, did not get the entire cc# but can see the last 5 digits on the confirmation email.

  25. DJ says:

    Turned down on trying to convert my Delta Skymiles business card to Blue – as the award structures are different (Skymiles vs membership rewards), I cannot product change.

    Anyone else had success?

  26. Andrew says:

    The link is dead. Any new one? Thanks.

  27. Roberta E Eastman says:

    Thank you again for this incredible site. I saw the offer for the card with the 20,000 sign up points. Came here, checked it all out (bcuz goodness knows you cant read through all the crap that Amex posts and actually understand it).

    Determined yes, good idea so I have a choice to get rid of Amex Business Gold if I dont want to pay a fee and voila! Surprised by the large credit line. You guys rock!!

    Didnt get the card # right away tho and it says it will take 7-10 days to get the card. I will call them tomorrow and try to move them along.

    20,000 more points to add to my already 300,000 points I have earned just from reading this site.

    Which by the way I still have no idea how to best use these points with no interest of traveling outside of the USA.

    Any ideas?

  28. Roberta E Eastman says:

    Actually I just looked and Im up over 400,000 points. 298,151 are UR and the rest are MR.

    No idea on how to best use them.

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