Find out how to Maximize the AmEx Blue Enterprise Money Card – NerdWallet


The American Specific Blue Enterprise Money™ Card is a $0-annual-fee card that gives as much as 2% money again. For a enterprise rewards card with no annual charge, it gives a very good mixture of rewards and advantages. When you’ve got the American Express Blue Business Cash™ Card or are contemplating it for your online business, observe these methods to get the perfect worth from the cardboard’s advantages. Phrases apply.

Hit the candy spot for cash-back earnings

The American Specific Blue Enterprise Money™ Card options 2% money again on all purchases as much as $50,000 per yr. There aren’t any rotating classes or bonus classes to fret about. Phrases apply.

Companies that spend near however no more than $50,000 will get the perfect worth right here. That’s as a result of once you go over $50,000 within the yr, your cash-back price drops to 1%. Phrases apply. When you count on to spend greater than that, consider a card with a higher rewards rate. A card that pays the next cash-back price may require an annual charge, however should you cost greater than $50,000 a yr, your earnings will doubtless offset the charge.

Placing $50,000 in annual purchases on this card will yield $1,000 in money again. You might be able to earn just a little extra should you benefit from AmEx Presents — customized offers for card customers, providing money again or reductions on a rotating assortment of choose retailers. Phrases apply.

Reap the benefits of journey insurance coverage and buy safety

The American Specific Blue Enterprise Money™ Card contains helpful journey insurance coverage and buy safety options. Right here’s find out how to get essentially the most out of these advantages.

Journey advantages

Rental car insurance: When you or your workers ever should journey for your online business and hire a automobile, you’ll need automobile rental insurance coverage from a bank card. The American Specific Blue Enterprise Money™ Card contains the automobile rental loss and harm insurance coverage profit, which lets you skip the roughly $10- to $20-per-day insurance coverage supplied on the automobile rental firm counter. Phrases apply.

When you use this profit for 10 rental days per yr and save a median of $15 per day, you’ll get $150 in worth from this insurance coverage profit.

Buy advantages

Prolonged guarantee: Rise up to 1 further yr added to producer warranties once you buy the merchandise with this card. This profit applies to eligible warranties of as much as 5 years. The prolonged warranties cowl as much as $10,000 per buy and $50,000 per yr. Phrases apply.

Buy safety: Buy safety will change or restore gadgets if they’re stolen or by accident broken inside 90 days of buy. This profit is price as much as $1,000 per buy and $50,000 per calendar yr. If harm is because of a pure catastrophe, the restrict is $500 per occasion. Phrases apply.

Spend $100 every with FedEx, Dell and DocuSign

You may earn $300 again fairly quick on this card if it’s good to make purchases with FedEx, Dell Applied sciences and DocuSign. The American Specific Blue Enterprise Money™ Card will provide you with as much as $100 again for fees made with every of those retailers, as much as $300 whole. Phrases apply.

Get no-fee worker playing cards and helpful spending instruments

Whether or not you run a enterprise by yourself or handle a rising group, the American Specific Blue Enterprise Money™ Card gives some helpful instruments that will help you handle playing cards, spending, payments and funds. Listed below are the enterprise instruments it is best to maximize to get essentially the most out of this card. Phrases apply.

  • No-fee worker playing cards: Worker playing cards can be found with no added charges. You may handle spending limits and arrange alerts for worker playing cards to remain on high of what they spend on the enterprise’s behalf.

  • 12 months-end abstract: Whereas savvy companies preserve their accounting information up to date all year long, the year-end abstract provides a useful breakdown of purchases made with the cardboard over a calendar yr.

  • Vendor funds: By way of a partnership with, you possibly can pay distributors utilizing this card, incomes card perks on vendor prices. Some charges could apply.

You may handle your card account both on the American Specific web site or with the helpful AmEx cellular app. Each provide the capacity to view fees and balances, make funds and make fundamental updates to your account.

Pay no curiosity for the primary yr

Whereas it’s a good suggestion to repay your card in full each month, American Specific Blue Enterprise Money™ Card provides you 0% intro APR on Purchases for 12 months, after which the continuing APR of 13.24% – 19.24% Variable APR. Phrases apply.

With no preset spending restrict on this card, you should buy stock or tools for your online business to rise up and operating with out worrying about curiosity for fairly some time.

The underside line

Companies that spend as much as $50,000 per yr and like cash-back rewards with a $0 annual charge can get quite a lot of worth out of the American Specific Blue Enterprise Money™ Card. Get essentially the most worth out of two% money again by charging as much as $50,000 per yr, and take full benefit of the journey protections and advantages for enterprise, just like the year-end abstract, free playing cards for workers and vendor pay choices. Phrases apply.

Find out how to Maximize Your Rewards

You desire a journey bank card that prioritizes what’s necessary to you. Listed below are our picks for the best travel credit cards of 2020, together with these finest for:


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