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  1. Credit Cards
  2. The Blue Business® Plus Credit Card from American Express
American Express

The Blue Business® Plus Credit Card from American Express

This card is built for small business owners and side hustlers who want a simple way to earn Membership Rewards points on everyday spending without paying an annual fee. It works best as a broad business spending card, especially if you can keep most of your annual purchases within the first $50,000 that earns 2x points.

Welcome Offer
Earn 15,000 Membership Rewards® points
Annual Fee
No annual fee
Rec. Credit Score
Good
Good For
Everyday business spending
How to ApplyEstimate your value

Terms Apply. For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit the American Express website.

The Blue Business® Plus Credit Card from American Express

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is The Blue Business® Plus Credit Card from American Express worth it?

This card is great for...

General business purchases

No-fee Membership Rewards earning

Moderate annual business spend

Yes, for the right business owner. The Blue Business Plus is one of the more straightforward ways to earn transferable Amex points on routine business expenses, and the no annual fee makes it easy to keep long term. If your business spends across many categories rather than heavily in one or two bonus areas, earning 2x points on the first $50,000 each year is the real draw.

Where it becomes less compelling is after that cap, or if your spending happens outside the U.S. The card drops to 1x points beyond $50,000 in annual purchases, and the foreign transaction fee makes it a poor fit for international use. Benefits are also fairly light compared with premium business cards, so this is strongest as a practical points earner, not as a perks card.

MaxRewards

MaxRewards Verdict

A strong fit for business owners who want simple Amex points earning on everyday purchases without an annual fee. Its main limitation is that the headline 2x rate only lasts through the first $50,000 in purchases each year, and it is not a good card for spending abroad.

Welcome Offer

Earn 15,000 Membership Rewards® points

after you spend $3,000 in eligible purchases on the Card within 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

Rewards

The rewards story here is simple: you earn Membership Rewards points, with 2x points on the first $50,000 in eligible purchases each calendar year and 1x after that. That makes this card most useful for broad, uncategorized business spending rather than trying to line up a long list of bonus categories.

CategoryRate

Office Supplies, Client Dinners

3%

Purchases Up To $50,000

Up to $50,000 spend per year

3%

Everywhere

1.5%

Rewards percent based on a valuation of 1.5¢ per Membership Rewards point

Annual Credits & Perks

Benefits

The benefits are modest, but there are a few practical protections that can still matter for a small business, especially on purchases and car rentals. Since there is no annual fee, these features are better viewed as helpful extras rather than the main reason to carry the card.

BenefitAnnual value
$250

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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The Blue Business® Plus Credit Card from American ExpressVenue Collection
Autotracked
$0 of $250Every 12 months

Benefits

Insurance

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

Status & Access

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

Other

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

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

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

Rates & Fees

Annual Fee

$0

Purchase APR

16.74% - 28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

None

Cash Advance

None

Late Payment

$39

For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit the American Express website.

Table of Contents

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

How to Apply

Terms Apply. For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit the American Express website.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please visit the American Express website.

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Recognition

Featured in

  • #8Best Business Credit CardsView list

Other cards from American Express

See all 33 cards
The Business Platinum Card® from American ExpressThe Business Platinum Card® from American Express

You may be eligible for as high as 300,000 Membership Rewards® Points

Worth $4,500

After spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 7.5%7.5%Flights (amextravel.com), Prepaid Hotels (amextravel.com)
  • 7.5%3%U.S. Construction Material & Hardware Suppliers, Electronic Goods Retailers, Software & Cloud System Providers, Shipping Providers, Purchases Of $5,000+
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.

American Express® Business Gold CardAmerican Express® Business Gold Card

You may be eligible for as high as 200,000 Membership Rewards® Points

Worth $3,000

After spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%6%Top Two Eligible Categories
  • 7.5%4.5%Flights (AmexTravel.com or Amex Travel App), Prepaid Hotels (AmexTravel.com or Amex Travel App)
  • 7.5%1.5%Everywhere

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply.

American Express Platinum Card®American Express Platinum Card®

You may be eligible for as high as 175,000 Membership Rewards® Points

Worth $2,625

After spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.

  • 7.5%7.5%Flights (American Express Travel), Prepaid Hotels (American Express Travel)
  • 7.5%7.5%Flights (Directly From Airlines), Flights (American Express Travel)
  • 7.5%1.5%Other Eligible Purchases

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply.