The most important thing about the American Express Blue card is that it allows people to use their Amex business credit cards anywhere in the world. This is particularly useful when one is travelling or going to an unfamiliar location. There are many benefits of this card including:
Use the card for business expenses. There are so many cards these days. Each one specializes in a certain type of business. The Amex is a perfect card if you use it for business transactions. It has no annual fee, which makes it even more enticing.
Use the card for travel. People do tend to make business trips rather than out of town visits. That means that many cards are not suited for out-of-town business use. The Amex has been designed especially for those who travel. It offers many travel benefits and rewards. These include flight rewards, hotel points, rental cars, and so much more.
Take advantage of the corporate credit feature. Whether it is for your business or personal use, this option is always available. You can earn up to two percent on every purchase you make.
Don't limit yourself. The card offers have many options that allow you to use the cards in ways that suit you best. There are no fees for balance transfers. You don't have to have a good credit score to apply for this card. This is ideal for those who would like to start a business but don't have very good credit.
These are the best Amex business credit card offers. No matter what you need a card for, there are options available to you. You will be able to find the right balance between the benefits offered and the interest rates. The key is to choose the card with the lowest interest rate, but still meet all of your needs.
When searching for your card, look at the reward programs. See if they fit into your business plan. For instance, many rewards cards give you points or cash back depending on the amount of use you get. Look at all the different types of cards and see which ones will benefit your business. The important thing is that you get a card that works for your company.
Finally, take a look at the late charge policies. See if they have a grace period on when you can make a payment late. This will allow you to pay your balance before your credit limit is depleted. If your business utilizes a lot of credit card funds then this could be beneficial.
Your monthly payment is another feature to look at. Amex business cards usually have fixed payments. Make sure that this is comparable to the payment you would make to any other card. If it is significantly higher then you may want to check into a lower interest rate credit card. You should also compare the rate to others to see if yours is higher or lower.
See if the cards offer reward programs. If you do a lot of shopping at specific vendors, consider getting an Amex card that gives you cash back on purchases at the same place. Also, try and find one with a gas Rewards program. You can earn cash back . . . . . . from both gasoline and purchasing airline tickets. The more specific your program the better.
Lastly, examine the annual fees charged by the Amex business card. Some cards charge annual fees that can be costly. Find a card that does not have these fees. You may be able to transfer your balance from a higher interest rate card to one with no annual fee. This can save you hundreds of dollars over the course of the year.
When it comes to using your credit card for business purposes, it is always a good idea to review your expenses. Look over your daily expenses and see if there are any items that you can eliminate from your purchases. For instance, do you need coffee in the morning? Can you take the bus to work with a small amount left over each day? Can you cut back on your travel expenses so that your monthly payment is lower? These are things that you will have to evaluate to determine if they are good business decisions.
Although many people use their Amex business cards to make everyday purchases, it is still a good idea to know what your credit score and spending habits really are before making such a large purchase. Having bad credit can cost you money in a variety of ways. Avoid the risks by keeping track of your credit before using any credit cards.