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The Blue Business® Plus Credit Card from American Express: Solid Rewards for No Fee

The Blue Business® Plus Credit Card from American Express review
KEY TAKEAWAYS
  • The Blue Business® Plus Credit Card from American Express gives you 2X points on your first $50,000 in eligible purchases each year (then 1X points).
  • What we think: With a simple reward structure, The Blue Business Plus bypasses the need to navigate complicated spending categories. Additionally, its lack of an annual fee means there’s no expense to “make up for.” Larger businesses may be able to find more value elsewhere, but this card is solid for small businesses.
  • Amex Blue Business Plus offers several business benefits, such as employee cards, QuickBooks® integration and the ability to designate an account manager.
  • Cardholders have access to rental car insurance, purchase protection and extended warranty coverage*.
  • The Amex Blue Business Plus has no annual fee (see rates and fees).

*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.

SUMMARY

As a business owner, you have better things to do than comb through receipts and try to keep track of your expenses.

The Blue Business® Plus Credit Card from American Express makes it easy as pie to monitor your spending and earn rewards. It also offers several benefits just for business owners, making it one of the best business credit cards on the market.

No time to review the terms and benefits of this American Express credit card? We’ve got you. 

Settle in and learn more about:

  • How you earn points with the Blue Business Plus card
  • Benefits of using the Amex Blue Business Plus
  • How the Blue Business Plus stacks up against other popular business credit cards
PROS & CONS

Pros

  • No annual fee
  • High rewards rate
  • Earns Membership Rewards points for more flexible redemption options

Cons

  • Spending cap for 2X rewards
  • Requires good to excellent credit
  • Large spending requirement for welcome bonus
The Blue Business® Plus Credit Card from American Express
LEARN MORE
Key Information
Earn 2X Membership Rewards® points on everyday business expenses up to $50,000 per year (then 1X points). $0 annual fee.

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

The Blue Business® Plus Credit Card from American Express is worth it if you want to earn points on eligible business purchases without having to keep track of limited-time offers or multiple reward tiers.

 It’s also worth it for business owners who need help staying on top of their expenses without getting bogged down in unnecessary details.

Not convinced? Alternatives to The Blue Business® Plus Credit Card

Advertiser Disclosure

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card
LEARN MORE Rates & Fees / Terms Apply on Bankrate's secure site
Key Information
Earn 2% cash back on up to $50,000 in combined purchases each year (then 1%). $0 annual fee.
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Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
LEARN MORE on Bankrate's secure site
Key Information
Earn 3 points per $1 on the first $150,000 spent in combined purchases in select categories each year, and earn 1 point per $1 on all other purchases. $95 annual fee.
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Capital One Spark Cash Plus

Capital One Spark Cash Plus
LEARN MORE on Bankrate's secure site
Key Information
Earn unlimited 2% cash back on all purchases. Works like a charge card, so your balance must be paid in full each month. $150 annual fee.
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The Blue Business® Plus Credit Card: Rewards

The Blue Business Plus from American Express comes with a generous bonus, points on everyday purchases and multiple redemption methods, making it one of the best rewards credit cards specifically for business owners.

Welcome bonus

If you spend $3,000 on eligible purchases within your first three months of membership, you’ll earn 15,000 Membership Rewards points. The value of the Blue Business Plus welcome offer depends on the redemption method you choose.

Earning rewards

American Express makes it easy to earn rewards on your everyday spending. You’ll earn 2 points per dollar spent on your first $50,000 in eligible business expenses each calendar year. Once you reach $50,000 in charges, you’ll earn 1 point per dollar spent on any additional purchases.

Here’s how it works. Assume you charge $75,000 in eligible business expenses to your Amex BBP card. You’ll earn 1,000 points on the first $50,000 and 250 points on the remaining $25,000, giving you a total of 1,250 Membership Rewards Points.

Redeeming rewards

American Express gives you several ways to redeem your rewards:

  1. Transfer to Amex travel partners: Amex allows you to transfer your points to one of its partner airlines or hotel brands. Each point is worth at least 1 cent, but airlines and hotels use dynamic pricing, so you may get even more value at the time of booking.
  2. Statement credits: If you want to use your points to reduce your balance, you can request a statement. Points are worth 0.6 cents each when you use this redemption method.
  3. Pay with Points at checkout: Pay with Points allows you to check out with your Membership Rewards Points on Amazon, Walmart, Best Buy and other merchant websites. You usually get 0.7 cents per point with this redemption method.
  4. Pay with Points for travel: American Express allows you to use your rewards on the Amex Travel portal. Points are worth 0.7 cents each for vacation packages, rental cars, cruises and prepaid hotel bookings. Their value increases to 1 cent each for flights.
  5. Charity donations: If you’re feeling benevolent, donate your points to charity. When you use this redemption method, the value of your points depends on which charity you choose.
  6. Gift cards: You can use your points to buy gift cards for restaurants, airlines, hotels and more. Point values range from 0.5 cents to 1 cent each, depending on which gift card you buy.

Amex Blue Business Plus Card: Benefits

Business benefits

Other benefits

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.

Fees, rates & limit

Fees

American Express charges the following fees to use your Blue Business Plus card:

Interest rates

Here’s what you need to know about the interest rates on the Blue Business Plus:

Card limit

The limit on your Blue Business Plus card depends on your income and credit history. For example, someone with an excellent credit score and a substantial amount of income is likely to qualify for a much higher credit limit than someone with a good score.

How The Blue Business® Plus Credit Card compares

The Blue Business® Plus Credit Card from American Express vs. The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card and the Blue Business Plus card are very similar. Both cards allow you to earn rewards on ordinary business purchases, but the Blue Business Cash card gives you cash back instead of Membership Rewards Points.

Blue Business Plus is slightly better because it gives you multiple redemption options. You can use your points to book travel, buy gift cards, pay for online purchases, donate to charity or request cash back. In contrast, the only way to redeem your Blue Business Cash rewards is to use them as statement credits.

The Blue Business® Plus Credit Card from American Express vs. Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card gives you 3X points on the first $150,000 (per account anniversary year) in combined spending across four categories.

These categories are:

You earn 1X points on all other purchases. Therefore, the Ink Business Preferred card makes it easier to earn rewards. Note that the card does have an annual fee of $95 to account for the extra benefits.

Is The Blue Business® Plus Credit Card from American Express right for me?

The Amex Blue Business Plus card is a great fit for any business owner who wants to earn rewards without having to keep track of multiple spending categories. 

You may also benefit from the Blue Business Plus card if you’re looking to streamline your expense management process. Blue Business Plus gives you access to employee cards, spending alerts, expense summaries and more, making it easier to manage your business.

You may want to look for a different card if you want to earn rewards at a higher rate in certain spending categories.

Explore these additional Amex business cards to see if you find one that better matches your needs:

You can also learn more about Chase business cards or Capital One Spark business cards to see if these other issues offer a card that suits you better.

How do I apply for The Blue Business® Plus Credit Card from American Express?

You can learn more about the The Blue Business® Plus Credit Card from American Express and apply online.

American Express hasn’t revealed the minimum credit score required to qualify for the American Express Business Plus card. However, the card is reserved for business owners with good or excellent scores. Most credit-scoring models consider scores of 670 or higher as good, so we recommend waiting until you have at least this score before applying.

American Express also considers your income and the amount of debt you have when reviewing your application.

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FAQ: Amex Blue Business Plus

Is The Blue Business Plus Card a good credit card?

Yes. The Amex Blue Business Plus is a good credit card, especially if you’re looking to earn rewards without having to worry about a complicated points system.

What is the difference between The Blue Business® Plus Credit Card and Blue Business Cash™ Card?

The two cards are similar, but the Blue Business Plus card gives you more flexibility. With Blue Business Cash, you can only use your rewards for statement credits. In contrast, Blue Business Plus gives you multiple redemption options.

Is it hard to get The Blue Business® Plus Credit Card from American Express?

It’s somewhat difficult to get the Amex Blue Business Plus card, as you need to have a credit score in the good to excellent range.

Do you need to own a business to get The Blue Business® Plus Credit Card?

The Blue Business Plus is for business use only. However, you may qualify for a card even if you’re a sole proprietor who doesn’t have any employees.

Does The Blue Business® Plus Credit Card from American Express have a limit?

Yes. Your Amex Blue Business Plus card limit depends on your annual income, credit score and debt load.

Is the Amex Blue Business® Plus Credit Card metal?

No. Like many other credit cards, Blue Business Plus is made of plastic.

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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