The Blue Business® Plus Credit Card from American Express
The Blue Business Plus is the value pick of the Amex business family: 2X points on every eligible purchase up to $50,000 per calendar year with no annual fee. Points are full Membership Rewards, so they pool with a Gold or Platinum business card and transfer to airline and hotel partners. A 12 month 0% intro APR on purchases adds breathing room. Past $50,000, earning drops to 1X and heavier spenders need a second card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2X Membership Rewards points on all eligible purchases up to $50,000 per calendar year
- No annual fee, so the points are pure margin
- Points pool with other Amex Membership Rewards cards and transfer to travel partners
- 0% intro APR on purchases for 12 months from account opening
- Expanded Buying Power above the credit limit
- Employee cards at no additional cost
- Annual fee: $0
- Intro purchase APR: 0% for 12 months from account opening
- Regular purchase APR after the intro period: 16.74% - 28.49% Variable
- Balance transfers: not available on this card
- Cash advances: not available on this card
- Late payment fee: Up to $39
- Returned payment fee: Up to $39
- Foreign transaction fee: 2.7% of each transaction after conversion to U.S. dollars
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You want transferable Membership Rewards points without paying an annual fee
- Your spending is spread across categories, so a flat 2X beats category cards
- You already hold a Business Gold or Business Platinum and want a 2X floor under uncategorized spend
- You should skip it if you spend far beyond $50,000 per year or want cash instead of points, the Blue Business Cash pays 2% with the same cap
The Blue Business® Plus Credit Card from American Express Review
The Blue Business Plus earns full Membership Rewards points at 2X on everything, for free. That combination, transferable points with no annual fee, is rare, which is why the card anchors so many small business wallets. This review covers the cap and how the card pairs with its siblings.
How You Earn
Every eligible purchase earns 2X until the annual cap, then 1X.
- The $50,000 cap resets each calendar year
| Category | Earn rate |
|---|---|
| All eligible purchases up to $50,000 per year | 2X |
| Eligible purchases after the cap | 1X |
How You Redeem
Full Membership Rewards flexibility, unusual at no fee.
- Transfer to Amex airline and hotel partners
- Book travel through AmexTravel.com
- Pool points with other Amex cards you hold
Benefits and Protections
Lean but functional, in line with a no-fee card.
- Expanded Buying Power on eligible purchases
- Employee cards at no additional cost
- Purchase protections and dispute support
Who This Card Is For
Businesses that value points over cash and owners building toward partner-transfer redemptions. It also works as the everyday-spend companion to a premium Amex business card. Cash-first owners should take the Blue Business Cash instead.
- Points collectors on a budget
- Companions to Business Gold or Platinum
- Businesses within the $50,000 annual cap
Comparison
| Feature | The Blue Business® Plus Card | Blue Business Cash™ Card | U.S. Bank Business Leverage® Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 intro for the first year, then $95 |
| Welcome Offer | 15,000 pts after $3,000 in 3 mo | $250 credit after $3,000 in 3 mo | Up to $600 after $6,000 in 120 days |
| Rewards Rate | 2X pts up to $50,000 per yr, then 1X | 2% back up to $50,000 per yr, then 1% | 2X top two categories automatically |
| Intro APR | 0% for 12 months on purchases | 0% for 12 months on purchases | N/A |
| Foreign Transaction Fee | 2.7% after conversion | 2.7% after conversion | See issuer terms |
| Best For | Transferable points | Simple cash back | Category-shifting spend |
Issuer Comparison
| Feature | The Blue Business® Plus Card | Blue Business Cash™ Card | American Express® Business Gold Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $375 |
| Welcome Offer | 15,000 pts after $3,000 in 3 mo | $250 credit after $3,000 in 3 mo | As high as 200,000 pts, $15,000 in 3 mo |
| Rewards Rate | 2X pts up to $50,000 per yr | 2% back up to $50,000 per yr | 4X top two categories, capped |
| Key Credits | None | None | ChatGPT, Squarespace, Walmart+, FedEx |
| Best For | No-fee points | No-fee cash back | Concentrated big spend |
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