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In the past few months I’ve been getting a lot of love from American Express with great offers for bonus Membership Rewards points and tempting targeted offers to apply for its Business Platinum Card and its Business Gold Card. Now, possibly because I haven’t taken up the Platinum or Gold card offers, American Express is back with an offer for the Blue Business Plus Credit Card.
The Blue Business Credit Card From American Express
- 2 Membership Rewards points per dollar on the first $50,000 in purchases each year (for all spending categories)
- 1 Membership Rewards point per dollar on all other spending.
Apart from the usual insurances and protections that come with a lot of AMEX credit and charge cards, the Blue Business Credit Card from American Express doesn’t offer much in the way of “benefits” (it doesn’t even waive foreign transaction fees) but it is currently offering a 0% introductory APR on purchases and balance transfers for the first 12 months.
The Targeted Offer
I was alerted to the offer as soon as I logged in to my online American Express account that’s associated with my Membership Rewards earning cards…
This targeted offer is very clear in that it offers a sign-up bonus of 20,000 Membership Rewards Points after spending $3,000 in the first 3 months of card membership…
…and this is 20,000 Membership Rewards points more than the publicly available offer for this card (link).
I should say from the outset that I LOVE this targeted offer as it has come at a very good time for me.
The Blue Business® Plus Credit Card doesn’t often offer a sign-up bonus and when it does it’s almost always targeted and it doesn’t always offer a bonus as high as 20,000 points (I’ve also seen offers for 10,000 and 15,000 points in the past and I haven’t noticed an offer in excess of 20,000 points for quite some time).
I value Membership Rewards points at 1.5 cents each which means that the 20,000 points on offer are worth $300 (to me) – that’s a pretty solid sign-up bonus for a credit card that costs absolutely nothing to hold.
In addition, the 2 Membership Rewards points per dollar that this card offers on all spending (up to a limit of $50,000) equates to a rebate of 3%….and I don’t have another card in my collection that can beat that without a category bonus.
That should hopefully go a long way to explaining why I applied for this card almost as soon as I saw the offer in my online account 🙂
Not only is this a very useful credit card for spending in categories where most other points earning cards only offer 1 point/dollar (e.g. in department stores and in drugstores), but the targeted offer also comes at a time of year where my spending is naturally elevated (with Thanksgiving, Black Friday/Cyber Monday and the lead up to the Holidays all falling within the 3 month period in which I have to earn the sign-up bonus) – that should take any stress out of the challenge of spending the required $3,000!
With the former AMEX SPG card (now a Marriott Bonvoy AMEX card) a shadow of its former self, the Blue Business® Plus Credit Card is one of the best options around for unbonused spending…..and it cost nothing to hold!
With no annual fees to pay, an effective rebate of 3% on all spending and access to AMEX offers there really isn’t anything to dislike about this card so (and I don’t say this very often with cards that I discuss on this blog) this is a credit card that would work well in just about anyone’s wallet – if you don’t already have it I suggest checking your online AMEX accounts to see if you’ve been targeted for this offer.