The Amex Blue Business Plus Card: Overlooked Benefits Without an Annual Fee

Introduction to the Amex Blue Business Plus Card

The Blue Business® Plus Card from American Express has caught the attention of many for its lack of an annual fee and the ability to earn up to 2x Membership Rewards points on the first $50,000 spent each year. This makes it an excellent choice for everyday transactions, especially for those who spend a lot.

While the initial points earning may not seem as high as some other cards, this card opens up numerous opportunities for entrepreneurs, particularly those who travel frequently and want to maximize rewards from their accumulated points.

Notable Benefits of Using the Card

One exciting feature of this card that many overlook is the ability to transfer points to another person’s account, as long as they have been an authorized user on your card for at least 90 days.

With the Amex Blue Business Plus, you can add authorized users at no extra cost. Moreover, adding authorized users does not impact their personal credit history, which is valuable in situations like Chase's 5/24 rule.

More Flexible Point Earning

The points accrued from your Amex card aren’t just for your personal use. You can transfer points to various airline or hotel loyalty accounts, providing you with great flexibility. For instance, if a family member has fewer points, you can pool points from multiple accounts to make a larger redemption.

Some loyalty accounts offer greater value for redemptions, making point transfers between accounts extremely beneficial. A prime example is the Air France-KLM Flying Blue Platinum account, which often has more business class availability.

Considerations for Vietnamese Users

For users in Vietnam, there may be some barriers to using the Amex card. First, you need to research the card issuance in the Vietnamese market, as not all banks offer this product. If you travel frequently, this could be a great option to save money and accumulate points for flights or hotels.

Additionally, be mindful of the currency exchange rates if you are using your Amex abroad. It's also important to manage your spending costs and interest rates to optimize benefits.

Conclusion

The Amex Blue Business Plus Card is not only a fantastic tool for those looking to save on costs but also opens up opportunities for flexible point earning. The ability to add authorized users at no charge makes it easy to transfer points to other accounts, maximizing the value you can gain from the card. While there are some challenges in using the card in Vietnam, if leveraged correctly, you will find it to be a wise decision.

This article was referenced and edited from: One Mile at a Time