The Blue Business® Plus Credit Card from American Express is a standout everyday card for small business owners who want simple, valuable rewards without paying an annual fee. It delivers double points on all eligible business expenses up to an annual limit, making it an excellent primary card for modest budgets or a perfect gap-filler for non-category spending.
All information about Blue Business® Plus has been collected independently by MaxRewards. Blue Business® Plus is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Flat-rate business spending
No-annual-fee point earning
Flexible rewards redemptions
With no annual fee, holding this card is virtually risk-free. Earning 2x Membership Rewards points per dollar on the first $50,000 spent each calendar year makes it one of the most effective tools for capturing high rewards on uncategorized business purchases like office supplies, client lunches, and tech subscriptions. For businesses spending under $4,000 a month, this flat structure easily competes with premium cards that carry steep yearly fees.
The main tradeoffs are the $50,000 annual cap on 2x earning and the 2.7% foreign transaction fee. Larger businesses will quickly pass that cap and drop to 1x points, while international travelers or firms paying overseas vendors should look for a card without foreign transaction fees. For standard domestic spending within that threshold, however, the card delivers outstanding value.
An exceptional no-annual-fee option for small businesses looking to maximize rewards on general purchases, limited mainly by its $50,000 annual spending cap for double points.
Welcome Offer
after you spend $3,000 on purchases on your new card in your first 3 months of card membership.
Est. Value
$225
Required Spend
$3,000
Time Frame
3 Months
Est. Value
$225
Required Spend
$3,000
Time Frame
3 Months
Earning
Earning points is straightforward, with a boosted flat rate on all everyday purchases up to an annual spending cap.
All
Up to $50,000 spend per year
Everywhere
Rewards percent based on a valuation of 1.5¢ per Membership Rewards point
Annual Credits & Perks
While the card centers on its strong earning rate, it also includes practical shopping protections and venue perks.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
Venue CollectionBenefits
Car Rental Loss and Damage Insurance
When you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter, You can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Extended Warranty
With Extended Warranty you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions.
Purchase Protection
When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Eligible Card for Covered Purchases, and your Membership can help protect them for up to 90 days from the Covered Purchase date. Coverage Limits Apply. Please read important exclusions and restrictions.
Premium Car Rental Protection
When you enroll in Premium Car Rental Protection and you use your enrolled Card to pay for rental charges for a Rental Car, you can enjoy primary coverage for Theft of or Damage to a rental vehicle and excess medical coverage if you are injured in an accident. Fees, coverage limits and coverage areas apply. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Refer to your description of coverage for a complete list of excluded vehicles. This product does not include liability coverage.
Benefits
Amex Special Ticket Access
Card Members have access to purchase Amex Presale Tickets and Amex Reserved Tickets to select can’t-miss events and moments across sports, music, and more. Plus, Card Members can enjoy additional perks when attending select events. While supplies last, not all seats may be offered.
Benefits
Expanded Buying Power Feature
With Expanded Buying Power, you have the option to spend above your credit limit. The amount you spend above your credit limit is due in full each month as part of your minimum payment due. Terms apply.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
16.99% - 28.74%
Variable
Foreign Transaction Fee
$0.027
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
250,000 Points
Worth $3,750
After you spend $20,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$895
Rec. Credit
Good
Terms Apply.
175,000 Points
Worth $2,625
After you spend $12,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$895
Rec. Credit
Excellent
Terms Apply.
200,000 Skymiles
Worth $2,400
After you spend $20,000 on purchases on your new card in your first 6 months of card membership.
Annual Fee
$650
Rec. Credit
Excellent
Terms Apply.
