You Want a No Annual Fee FULL Amex Membership Rewards Card in Your Wallet

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UPDATE: This offer has expired.

Just last week, American Express introduced a new credit card to their portfolio – The Blue Business℠ Plus Credit Card from American ExpressIt is the first (and only) no annual fee American Express business credit card that earns you full Membership Reward points! The The Amex EveryDay® Credit Card from American Express also falls into this category, but is a personal credit card.

For those of you who are not aware, there are two types of Amex Membership Reward credit cards – those that earn full Membership Reward points and those that earn limited Membership Reward points. Accounts with full Membership Reward points means that you can transfer your points from your account to a partner hotel or airline program. If you have a credit card that earns limited Membership Reward points you will NOT be able to transfer your points to partner loyalty programs and can only redeem your points for merchandise, gift cards, etc. Typically, transferring your points to a partner program gets you a much higher value for your points.

Having one of these two cards means that you never have to worry about an annual fee and will always have an open Membership Rewards account that earns full points. This is important because if you cancel an Amex card that earns Membership Reward points, you will lose your points unless you have another Amex card that also earns full Membership Reward points. So let’s say you currently have an American Express Platinum card and are thinking about canceling the card. You currently have points in your account and do not want to transfer them out to a loyalty partner just yet as you aren’t 100% sure where you want to use them. If you are an Amex EveryDay or Blue Business Plus cardholder, then you will not lose your points and still be able to transfer them to a loyalty program at another time.

Here is the difference between the two cards:

The Amex EveryDay® Credit Card from American Express (personal card)

  • Sign-up bonus: Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Points earned: Earn 2x points at US Supermarkets (on up to $6,000 per year in purchases, then 1x); Earn 1x point on other purchases.
  • Additional perks: Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits
  • Application link: The Amex EveryDay® Credit Card from American Express
  • *Terms Apply. See Rates & Fees.

The Blue Business℠ Plus Credit Card from American Express (business card)

Both are great cards to have, but having one of them is really helpful! I personally have had the Amex EveryDay card for the past 3 years and it has allowed me to apply for new cards and keep the points if I decided later I want to cancel the new card and no longer pay the annual fee. I will actually be applying for The Blue Business Plus card soon as well since I love no annual fee Amex cards where I can earn a ton of statement credits by taking advantage of Amex Offers!

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