Exploring the Blue Business Plus Card: Features and Benefits
Intro
When it comes to powering through the fiscal landscape of small business ownership, the Blue Business Plus Card from American Express stands out as a reliable partner. Designed with the unique needs of small business owners in mind, this card does more than provide access to credit; it offers flexible payment solutions and a rewards system that can be an asset to savvy entrepreneurs. With competition stiff in the credit card arena, understanding the strengths and weaknesses of this card is essential for making informed decisions in your financial strategy.
In this exploration, weâll dive into the intricate details of the cardâits features, benefits, and limits. Additionally, comparisons with similar products will shed light on where it stands in the market. As many business owners know, selecting the right card can be a game-changer; it can mean the difference between flourishing and scraping by. This discussion aims to offer insights and practical advice to ensure you make the best use of this financial tool.
Investment Terms Defined
Before any deep dive into understanding the Blue Business Plus Card, itâs pivotal to clarify some financial jargon and terms that spring up frequently in credit discourse.
Comprehensive Glossary
- APR (Annual Percentage Rate): This represents the yearly interest rate that you will pay if you carry a balance on your card. A lower APR is generally preferable.
- Rewards Program: This refers to the system through which cardholders earn points or cash back on eligible purchases.
- Flexible Payment: This term denotes the ability for cardholders to pay off the balance at their own pace, within certain limits, without incurring penalties.
- Credit Utilization Ratio: A metric that measures the amount of credit youâre using compared to your total credit limit, typically expressed as a percentage. Keeping this low is usually favorable for your credit score.
Common Acronyms and Jargon
- FICO: Fair Isaac Corporation, which offers the scoring model used by lenders to assess your creditworthiness.
- EMV: Europay, MasterCard, and Visa; a standard for cards equipped with microchips, enhancing security in transactions.
- Cash Back: A rewards structure that allows cardholders to earn a percentage of their spending back in cash.
Expert Insights
Navigating the world of credit cards in today's economy can feel like walking through a minefield. Having insider insights can provide a more strategic approach.
Market Trends Analysis
The market for small business credit cards has shifted significantly over recent years. With the rise in entrepreneurship following economic fluctuations, many companies are looking for more than just basic credit options. Business owners are often attracted to cards like the Blue Business Plus Card because of their many perks, including higher rewards for office supplies and travel-related purchases. Additionally, many younger business professionals prefer cards with robust mobile app capabilities and easy integration with budgeting tools, which the Blue Business Plus Card provides.
Tips for Smart Investing
- Understand Your Spending Habits: Analyze where your business spends the most and align that with the cardâs rewards structure to maximize earnings.
- Pay Attention to Fees: Some cards boast great rewards but come with high annual fees. Evaluate if the benefits of a card outweigh its costs.
- Keep Track of Terms: Always stay abreast of any changes in the card's terms or rewards program. These can impact your decision whether to stick with the card or seek alternatives.
"The right credit card isnât just about the shiny rewards or perks; itâs about aligning your financial tools with your business goals."
As we continue this journey exploring the Blue Business Plus Card, keep in mind that knowledge is your best ally. Understanding every nuance can put you one step ahead, putting this helpful credit vehicle to work in fostering your business growth.
Prolusion to the Blue Business Plus Card
The Blue Business Plus Card from American Express stands out in the crowded space of business credit cards, especially designed for small business owners. Understanding its significance provides clarity on how it aligns with the financial strategies of entrepreneurs. With the benefits of flexible payment systems and rewards tailored for business expenses, this card offers more than just a transactional toolâit becomes a powerful asset for cash flow management and budgeting.
Overview of the Card's Purpose
The fundamental purpose of the Blue Business Plus Card is to assist small businesses in managing their everyday spending while maximizing their rewards potential. The card lures potential cardholders by offering a straightforward yet effective rewards structure, allowing users to earn two times the points on everyday purchases up to a particular spending limit. This incentivizes businesses to utilize the card more, turning routine expenses into potential rewards without a catch.
The absence of an annual fee adds an extra layer of appeal. Many business owners are cautious about accumulating costs that chip away at their operating budget, and this card addresses that concern. Overall, it serves as an attractive option for business owners looking to streamline their finances while reaping the benefits of a robust rewards program.
Target Audience for the Product
The Blue Business Plus Card targets a specific demographicâthe small business owner who seeks financial flexibility and a user-friendly rewards system. Entrepreneurs who operate from home, freelancers, and those managing startups are prime candidates for this card. These users often juggle numerous responsibilities and need a financial tool that offers simplicity and efficiency without complicating their already busy lives.
Moreover, this card resonates with those who regularly incur expenses related to travel, office supplies, or client meetings. The opportunity to rack up points quickly on these expenditures can transform a standard business process into a rewarding practice. Thus, the card not only appeals to seasoned business owners, but also to the emerging entrepreneurs eager to capitalize on every dollar spent.
In summary, the Blue Business Plus Card from American Express is not just a credit card; it's a calculated financial instrument to foster growth and optimize spending for small businesses.
Key Features of the Blue Business Plus Card
The key features of the Blue Business Plus Card are what truly set it apart from other offerings in the crowded market of business credit cards. Itâs not just a plastic card; it represents a gateway for small business owners to navigate the financial landscape with ease and efficiency. Each feature serves a specific purpose, catering to the diverse needs of entrepreneurs looking to maximize rewards while keeping costs in check.
Rewards Structure
The rewards structure of the Blue Business Plus Card is crafted with the business owner in mind. Users earn 2 Membership Rewards points for every dollar spent on everyday business purchases, up to $50,000 in purchases each year. After reaching this threshold, the rate drops to 1 point per dollar. This tiered structure incentivizes significant spending during the early stages of a business's growth.
However, what's intriguing is how these points can be redeemed. They can be utilized for travel, gift cards, or even statement credits without the limitations tied to certain brands or merchant categories, making this card quite flexible. This flexibility is a boon for small business owners who prioritize fluidity in how they manage their expenses and rewards.
"Flexibility in rewards redemption reflects a business's dynamic nature, allowing for smarter financial moves as needs evolve."
Introductory Offers
The Blue Business Plus Card comes with a noteworthy introductory offer that can sway potential users. New cardholders can benefit from 20,000 Membership Rewards points after spending $3,000 on purchases in the first three months. This kind of offer can really help a business kick off with a considerable rewards boost right off the bat.
Businesses can leverage this initial influx of points, perhaps for travel related to business expansion or to offset initial expenses incurred during early operations. Itâs a strategy that aligns well with savvy financial planning. Furthermore, the introductory offer creates an added incentive for potential applicants, effectively sweetening the pot.
No Annual Fee
One key feature that consistently draws attention to the Blue Business Plus Card is its no annual fee policy. In a space where many competitors charge upwards of $95 annually, this card allows users to focus on maximizing their rewards without worrying about additional costs eating into their profits. This aspect is especially appealing to small business owners who often operate on tight budgets and must make every dollar count.
With no annual fee, businesses can maintain healthy cash flow while still enjoying the benefits that come with using the card. This feature not only simplifies the financial landscape for business owners but also encourages them to engage more freely with the cardâs rewards structure without the burden of recurring fees. Itâs a straightforward approach to business finance that reflects a growing need for transparency and simplicity in financial products.
In summary, the well-structured rewards program, attractive introductory offers, and absence of an annual fee make the Blue Business Plus Card a highly effective tool for small business financial management. Each component has been thoughtfully designed to provide maximum benefit, illustrating American Express's commitment to supporting the entrepreneurial spirit.
Eligibility and Application Process
Understanding the eligibility and application process for the Blue Business Plus Card is crucial for potential applicants. This segment addresses who can apply and outlines the necessary steps to acquire the card, which is essential for business owners looking to maximize their financial tools. A clear grasp of these aspects can save time and streamline the acceptance into a rewarding credit experience.
Requirements for Application
When it comes to applying for the Blue Business Plus Card, there are several key criteria that applicants need to fulfill. First off, having a valid business is a non-negotiable. This doesnât have to be a white-collar enterprise; even freelancers or gig economy workers can fit the bill, as long as they can show that they are operating a legitimate business.
Moreover, American Express looks for personal creditworthiness. An applicantâs credit score plays a significant role in determining whether the application will be accepted. While American Express does not state a strict minimum score, it is generally advisable to have a score in the mid-600s at least to increase the chances of approval.
Other requirements include providing basic business information like the name, address, and type of business. Itâs also beneficial to have financial documents ready. Proof of income, business tax returns, or bank statements can provide layers of assurance for the issuer that you can handle credit responsibly.
Steps to Apply
Once youâve confirmed that you meet the application requirements, the next step involves a straightforward process to apply for the Blue Business Plus Card:
- Gather Necessary Information: Before starting the application, have all your business details ready. Personal identification as well as financial documentation may be needed.
- Visit the American Express Website: Head to the official website of American Express and find the Blue Business Plus Card page. It will provide a wealth of information about the card and the application process.
- Complete the Online Application: Fill out the online form with your personal and business details. Make sure to double-check everything to avoid any typos or errors that could affect your application.
- Submit Your Application: After reviewing your information, submit the application. You may receive an instant decision, but in some cases, additional review may be necessary.
- Await Approval: Once your application is submitted, youâll receive notification of approval or denial, usually via email. If approved, itâs time to make the most of your new card!
Utilizing the Blue Business Plus Card can significantly enhance financial management for small business owners. Therefore, understanding the eligibility and application process is a step in the right direction to take advantage of the flexible options and rewards this card has to offer.
Comparative Analysis with Similar Cards
A thorough understanding of the Blue Business Plus Cardâs value is best attained through comparing it with similar offerings. Such a comparative analysis not only sheds light on its strengths and weaknesses but also provides potential users with a frame of reference for evaluating their options. In the financial world, knowing how a product stacks up against others equips business owners to make informed decisions tailored to their unique circumstances.
Blue Business Plus vs. Other American Express Cards
When considering different American Express cards, the Blue Business Plus Card finds itself in good company. It often exists alongside the American Express Business Gold Card and the American Express Platinum Business Card.
- Rewards Program: The Blue Business Plus offers 2X Membership Rewards points on the first $50,000 spent each year, while the Business Gold focuses on 4X points in categories where a business spends the most. Conversely, the Platinum provides 5X points on flights and hotels.
- Annual Fees: The Blue Business Plus card has no annual fee, which is a considerable selling point for businesses looking to minimize expenses. In contrast, the Gold Card comes with an annual fee of $295, while the Platinum Card demands a whopping $595.
- Bonus Offers: The incentives vary significantly. Users often find that while the Blue card provides straightforward rewards, the Gold and Platinum cards feature richer bonus offerings for new sign-ups, albeit at a higher cost.
In essence, if simplicity and affordability underline what you're after, the Blue Business Plus stands strong. However, for those businesses that can afford higher fees in exchange for enhanced rewards, looking into the Gold or Platinum options may be wise.
Comparison with Competitor Business Cards
When analyzing competitive business credit cards outside American Express, key players like the Chase Ink Business Preferred Credit Card and the Capital One Spark Cash for Business offer distinct benefits.
- Chase Ink Business Preferred: This card is known for its lucrative sign-up bonus, often exceeding 100,000 points after meeting a specified spending threshold. It provides 3X points in categories such as travel and advertising, making it appealing for marketing-heavy business needs.
- Capital One Spark Cash for Business: Here, users earn 2% cash back on all purchases. This straightforward earning structure can sometimes surpass the points system, particularly for those focused on cash rewards instead of travel benefits.
- Limitations: While both competitors offer impressive rewards and bonuses, they may come with more stringent credit score requirements, which might hinder access for start-ups or small businesses still establishing themselves.
"The choice of a business credit card should reflect not just current needs, but also future aspirations of growth and flexibility." - Financial Advisor
This perspective fosters a more strategic approach, encouraging a full evaluation of how any card can support business success.
Advantages of Using the Blue Business Plus Card
When selecting a business credit card, the advantages play a crucial role in determining how well it aligns with a company's financial strategy. The Blue Business Plus Card from American Express brings to the table several key benefits that make it a solid choice for small business owners looking to manage expenses and maximize rewards. Understanding these advantages allows users to leverage the card more effectively.
Flexible Payment Options
One of the standout features of the Blue Business Plus Card is its flexible payment options. Regardless of whether you prefer to pay your balance in full each month or take advantage of the option to pay over time, the card caters to both payment styles. This flexibility can be especially beneficial for businesses experiencing fluctuating cash flows.
- Pay Over Time: Users can carry a balance while enjoying a lower interest rate compared to standard credit cards. This is useful in scenarios where immediate capital is needed but cash is constrained, allowing businesses to manage cash flow without significant strain.
- No Set Payment Due Date: Cardholders have the freedom to choose their due date, giving them more control over their financial schedule. It's like shifting gears, ensuring that payments align with revenue cycles.
Ultimately, these flexible payment choices offer a lifeline for small businesses navigating the often unpredictable terrain of cash flow management.
Enhanced Cash Flow Management
Managing cash flow can be particularly challenging for small business owners, and that's where this card shines. It provides tools and features specifically designed to enhance cash flow management. Utilizing the Blue Business Plus Card can lead to better financial oversight.
- Expense Tracking: American Express provides an online account management portal. This makes it easy to categorize expenses, and generate reports - invaluable tools for budgeting and financial planning.
- Extended Payment Terms: This card allows for charge limits to be managed according to the needs of the business. Flexibility in how and when expenses are made prevents the dreaded cash crunch.
Through thorough tracking and management options, users can keep a keen eye on spending patterns, which can aid in forecasting and strategic planning.
Travel Benefits and Protections
This card doesn't just cover everyday business expenses; it also delivers a suite of travel benefits and protections that can be particularly advantageous for businesses that require frequent travel. Missteps in travel arrangements can be costly, but the Blue Business Plus Card helps mitigate those risks.
- Travel Insurance: Automatic travel accident insurance and car rental loss and damage insurance offer peace of mind while on the road or in the air. Knowing you have protection can shift the focus from worrying about mishaps to concentrating on business goals.
- Rewards on Travel Purchases: Earn 2x points on the first $50,000 spent in combined purchases at U.S. office supply stores, phone plans, and shipping. These points can be redeemed for travel or transferred to various travel partners, often at a better rate than standard redemption options.
In summary, the travel benefits not only enhance the overall value of the card but also support a business's operational needs.
"Flexibility, enhanced cash flow management, and travel protections make the Blue Business Plus Card a formidable tool for small businesses seeking to navigate their financial landscape effectively."
Limitations and Drawbacks
Understanding the limitations and drawbacks of the Blue Business Plus Card is crucial for potential users looking to make a well-informed decision. While the card offers appealing features and benefits, it is essential to scrutinize the darker corners that come with it. Expecting a card to only deliver on its promises without understanding the limitations could leave one in a lurch when they need it most.
Potential Pitfalls of Rewards Redemption
Reward programs are the heart and soul of many credit cards, but they can also be a minefield if not navigated carefully. With the Blue Business Plus Card, users earn two points for every dollar spent on eligible purchases. Yet, there are nuances to keep in mind.
- Limits on Points Accumulation: The card allows you to earn a maximum of 150,000 points per year. If your business expenses exceed this, you might find yourself capped on rewards. Essentially, if your company is on an upward trajectory, this could be a limiting factor in your rewards strategy.
- Redemption Options: While points can be redeemed for various rewards, including gift cards and travel, the conversion isnât always straightforward. Some users have noted that certain redemption options are more favorable than others, making it vital to read the fine print. For example, redeeming points for travel may yield better returns than gift cards. Without proper understanding, you might find yourself cashing in points in a less-than-ideal way.
- Expired Points: If the card remains inactive for a prolonged period, points could expire without warning. This is often overlooked and can lead to disappointment if one is not regularly using the card. Keeping track of activity and redemption timelines is crucial.
âPoints are like your business' hidden gems, but you have to dig for them!â
Interest Rates and Fees
Understanding the financial implications of carrying a Blue Business Plus Card also leads us to its interest rates and potential fees.
- Annual Percentage Rate (APR): The card offers a variable APR that may range widely depending on your creditworthiness. If you carry a balance, the interest can become a significant financial burden. Itâs always wise to consider how interest not only affects your balance but also your bottom line. Familiarizing yourself with these rates before signing up can save you a bundle in unexpected charges.
- Late Payment Fees: Missing payment deadlines can lead to late fees, and while the initial cost might be palatable, these can snowball quickly, affecting your overall financial health. Itâs crucial to keep your payments on schedule to avoid these pitfalls.
- Foreign Transaction Fees: Though the Blue Business Plus Card focuses heavily on business owners, many may travel abroad for work. Understanding fees for foreign transactions is vital as these can eat into your budget. Some banks charge a hefty percentage for transactions outside the U.S., negating potential rewards.
User Experiences and Testimonials
When considering the Blue Business Plus Card from American Express, it's crucial to take a step back and examine the experiences of those who have used it. User experiences can provide invaluable insights that go beyond the glossy features listed in marketing materials. They offer real-world perspectives on how the card performs under actual business conditions. The testimonials from business owners and users can highlight the practical benefits, as well as potential drawbacks, giving a well-rounded view of the cardâs effectiveness as a financial tool.
Engaging with the voices of users helps to crystallize the card's value propositions. This section will weave in the attitudes, feelings, and transactions of those who interact with the product daily. Itâs not just about numbers; itâs also about how those numbers translate into confidenceâor lack thereofâin managing business expenses.
One notable aspect is the tendency for users to highlight aspects such as ease of use in different purchasing situations, flexibility in payments, and the overall satisfaction with the rewards system. This will be examined closely, but it would also be remiss not to acknowledge the challenges and frustrations some users may encounter.
Positive Experiences from Business Owners
Many business owners have shared their positive interactions with the Blue Business Plus Card, citing its robust rewards program as a standout feature. For instance, a small coffee shop owner reported that their monthly expenses on supplies significantly increased their reward points. They described the points as "priceless!" when redeemed for business-related travel and expenses. Itâs notable that the absence of an annual fee was viewed as an extra edge that lets businesses allocate their resources elsewhere.
Users also appreciate the timely, insightful transaction summaries presented in the Amex app, allowing for quick reconciliations of expenses at monthâs end. A construction contractor mentioned how easy it was to manage cash flow, saying, "Itâs like having a financial assistant right in my pocket!" This sense of convenience is echoed across various sectorsâusers find themselves better equipped to track spending and make informed decisions.
Another common positive point revolves around customer service. Several testimonials commend American Express for their responsive support, noting that help is just a call or click away if issues arise.
Challenges Encountered by Users
While many experiences are positive, itâs essential to recognize the other side of the coin. Some users have expressed frustration regarding the cardâs rewards redemption process. âJumping through hoops to cash in points can be a headache,â one user lamented. This sentiment isn't uncommon; some find the rules and restrictions around redeeming rewards guidelines overly complicated or even limiting.
Additionally, the potential for accumulating debt is another concern. Users have pointed out situations where they got entangled in high-interest payments, particularly when not managing their spending effectively. One entrepreneur mentioned, "If Iâm not careful, I might end up paying more in fees than I earn in rewards!" This highlights an important consideration for business owners to balance the allure of rewards with mindful spending.
Overall, these challenges underscore the need for users to approach their financial tools with a comprehensive strategy to avoid pitfalls. Balancing the appealing aspects of the Blue Business Plus Card with an understanding of its limitations can make all the difference in cultivating a beneficial business relationship with the card.
Strategies for Maximizing Benefits
Navigating the financial landscape for small business owners can be like treading through a minefield. Thatâs why understanding how to effectively use the Blue Business Plus Card is not just a smart move, itâs essential for squeezing every bit of juice out of its offerings. Mastering the strategies for maximizing the benefits can enhance not only your business's cash flow but also elevate your rewards game.
Efficient Use of Rewards
The Blue Business Plus Card offers a clever rewards structure that can actually work in your favor. To harness its full potential, it's advisable to align your spending habits with the cardâs rewards categories. Broadly, you'll want to focus on areas where you are likely spending the mostâbe it advertising, travel, or office supplies.
- Spend Wisely: Accumulating points is easy if you use the card strategically. Aim to pay for business-related expenses with it, ensuring you earn the maximum number of points.
- Combine with Other Cards: If you have multiple cards, use this one for sectors where it excels. For example, use the Blue Business Plus for everyday business expenses to earn double points, but utilize another card that may offer better rewards for travel.
- Stay Updated on Promotions: American Express often runs promotions where specific vendors might offer additional points. Keep an eye on these opportunities to stack those rewards.
"It's a no-brainerâfinding a way to optimize your reward points is like finding gold in your backyard."
Leveraging Introductory Offers
Getting off on the right foot with the Blue Business Plus Card can set a solid precedent. The introductory offers are not just gimmicks; they are stepping stones that can lead to considerable financial benefits if leveraged effectively.
- Understand the Initial Spend Requirement: Many cards come with a stipulation that you must spend a certain amount within the first few months. Plan your expenditures accordinglyâthis could include upcoming project expenses or even regular operational costs that youâd pay anyway.
- Utilize Points Wisely: Introductory offers often include bonus points. These points can quickly turn into valuable rewards; therefore, be mindful of how to deploy them. They could subsidize future travel or office expenses, minimizing your overall outlay.
- Track Your Spending: Keep a tab on your expenses to ensure you are not just meeting but exceeding the required threshold in a sensible way. Itâs about being strategic, not just reaching a number for the sake of it.
Frequently Asked Questions
In any discussion surrounding financial products, particularly ones like the Blue Business Plus Card, addressing Frequently Asked Questions becomes essential. The landscape of small business ownership is filled with decisions that can define the trajectory of the enterprise. Clear answers to the most pressing queries can significantly inform prospective cardholders about the benefits and implications of using this card. By shedding light on specific aspects such as credit scores and rewards, potential users can make smarter, more calculated choices regarding their financial strategies.
How Does the Card Affect Credit Score?
Understanding how the Blue Business Plus Card influences a business's credit score is crucial for entrepreneurs. Generally, obtaining a business credit card can help to build and strengthen a credit profile when used appropriately. Hereâs how it typically works:
- Inquiry Impact: When a new card is applied for, a hard inquiry is conducted. This might cause a small, temporary dip in the credit score.
- Utilization Rates: Using the card responsiblyâkeeping balances low relative to the credit limitâcan affect the credit utilization ratio positively. A lower ratio could help improve your score over time.
- Payment History: Regular and on-time payments signal reliability and contribute positively to credit history, a significant factor in credit scoring.
The key takeaway is that while the Blue Business Plus Card has the potential to help improve your credit score, it demands responsible usage. Being strategic about payments and keeping utilization ratios in check will yield the best results.
Can Businesses Earn Above Average Rewards?
When considering the rewards associated with the Blue Business Plus Card, many small business owners ponder if it's possible to earn above-average rewards. The structure of this card is quite appealing for anyone looking to optimize their spending through rewards. Here are some noteworthy points:
- 2x Points on Everyday Purchases: Cardholders earn double points on the first $50,000 spent each year on all eligible purchases, making it easier for businesses to accrue rewards at a quick pace.
- Potential for Increased Spending: By leveraging the card for regular business expenses, payments for suppliers, and other operational costs, businesses can amass rewards faster than those who might only use personal cards.
- Point Redemption Flexibility: The points earned can often be redeemed for a variety of optionsâsuch as travel, merchandise, or statement creditsâthat can indeed provide tangible benefits.
So yes, with strategic spending and a focus on maximizing everyday expenses, businesses using the Blue Business Plus Card can indeed earn rewards that are above the average industry standard.
The End
In wrapping up this comprehensive exploration of the Blue Business Plus Card, itâs essential to underscore its relevance for small business owners seeking a financial tool that aligns with their strategic goals. The emphasis lies not just on the rewards and benefits, but also on the cardâs potential to enhance overall financial management. With no annual fee and a generous rewards structure, itâs a compelling option for those who want flexibility in their spending without being nickeled and dimed.
Final Thoughts on the Blue Business Plus Card
The Blue Business Plus Card stands out, primarily for its emphasis on accessibility and practicality. For entrepreneurs navigating the unpredictable currents of small business, the absence of an annual fee eliminates a common hurdle often faced when selecting a business credit card. Plus, the structure, which rewards two Membership Rewards points on everyday purchases up to $50,000 annually, incentivizes frequent users. This means that smart planning and expense tracking can lead to significant rewards over time.
Consider a small business owner who regularly invests in supplies. With this card, every dollar spent can accrue points that essentially act as cash back or rewards for travel. It transforms the paradigm of typical business expenses into an opportunity for savings and investment into other areas of the business.
Recommendation for Potential Users
For potential users evaluating this card, understanding your spending habits is paramount. If your business regularly incurs expenses that qualify for the two-point reward system, then this card could be a match made in financial heaven. Furthermore, itâs wise to consider how this card integrates into the broader picture of your financial strategy.
In essence, the Blue Business Plus Card is not just a tool for spending; itâs a strategic ally. Whether you are an established entrepreneur or just starting your business journey, this card provides fundamental benefits that enable better cash flow management and effective rewards utilization.
