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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

The Blue Business® Plus Credit Card from American Express is a standout option for small business owners who want simple, flexible rewards without paying an annual fee. It offers a strong flat earn rate on general business purchases up to a yearly cap, making it a versatile foundational card for everyday expenses.

Welcome Offer
As High As 50,000 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 spending

No-annual-fee point earning

U.S. business expenses under $50,000

For small business owners spending under $50,000 per year across varied expense categories, this card delivers exceptional value without an annual fee. Earning 2X Membership Rewards® points on everyday business purchases removes the hassle of managing category bonus tiers. Because these points can be transferred to airline and hotel loyalty partners, even modest business spending can unlock valuable travel redemptions.

That said, the card is less ideal if your business routinely spends far more than $50,000 annually or requires frequent international travel. Purchases made after reaching the annual spend cap earn 1X point per dollar, and a 2.7% foreign transaction fee makes it expensive for overseas transactions or payments to international vendors.

MaxRewards

MaxRewards Verdict

This card is a great fit for businesses seeking flexible rewards on up to $50,000 in U.S. spending each year. High spenders and international travelers will want to look elsewhere.

Welcome Offer

As High As 50,000 Membership Rewards points

after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.

Est. Value

$750

Required Spend

$5,000

Time Frame

3 Months

Est. Value

$750

Required Spend

$5,000

Time Frame

3 Months

Earning

Rewards

You earn Membership Rewards® points on all eligible business purchases, featuring a high flat earn rate on your initial spending each calendar year.

CategoryRate

Membership Rewards® points on everyday business purchases such as office supplies or client dinners

2X

Applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.

2X

Membership Rewards® points on other purchases

1X

Benefits

Insurance

Car Rental Loss and Damage Insurance

Car Rental Loss and Damage Insurance can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory 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. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


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.

Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.


Premium Car Rental Protection

Enroll your eligible Card today in Premium Car Rental Protection, and you can enjoy the flexibility of two different car rental insurance plans all while helping you save on rental vehicle protection costs. When enrolled, you can receive primary coverage for Damage to or Theft of a rental vehicle and Accidental Death or Dismemberment coverage every time you rent an eligible vehicle using your Enrolled Card. Terms apply.

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

No annual fee

Purchase APR

16.99% - 28.74%

Variable

Foreign Transaction Fee

2.7% of each transaction after conversion to US dollars.

Balance Transfer

N/A

Cash Advance

N/A

Late Payment

Up to $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

  • 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 Card Membership. Welcome offers vary and you may not be eligible for an offer. Learn more.

  • 005XMembership Rewards® points on flights and prepaid hotels on AmexTravel.com
  • 002XMembership Rewards® points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per Card account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. Effective February 17, 2027, select merchants only. See terms.
  • 001XMembership Rewards® points on other eligible purchases

Annual Fee

$895

Rec. Credit

Good

View card details

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

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.

  • 004XMembership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • 003XMembership Rewards® points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App™.

Annual Fee

$375

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express® Business Gold Card, please visit the American Express website.

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.

  • 005XMembership Rewards® points on all flights and prepaid hotel bookings through American Express Travel®, including Fine Hotels + Resorts® and The Hotel Collection bookings.
  • 005XMembership Rewards® points on flights purchased directly from airlines or through American Express Travel® on up to $500,000 on these purchases per calendar year.
  • 001XMembership Rewards® points on other eligible purchases.

Annual Fee

$895

Rec. Credit

Good

View card details

Terms Apply. For rates and fees of American Express Platinum Card®, please visit the American Express website.