The Amex Blue Business Plus Credit Card — Full Review [2021]

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The Amex Blue Business Plus Credit Card — Full Review [2021]

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"More Membership Rewards for Your Business!"

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year and 1 point per dollar thereafter.

Apply Now (at Amex's secure site)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points for every $1 your business spends throughout the year (up to $50,000) and receive great purchase protections and free employee cards, all for no annual fee.

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.


  • 2x Membership Rewards points per $1 on all purchases (up to $50,000)
  • Purchase protection and extended warranty protection
  • No annual fee
  • Employee cards at no additional cost


  • No unique bonus categories, and 2x earnings are capped at $50,000 in spend
  • No elite travel benefits like lounge access or elite status
  • Charges foreign transaction fees

Amex Blue Business Plus Card — Snapshot

The Ideal Cardholder

Business owner working
Earn double the Membership Rewards points for every $1 your business spends. Image Credit: Halfpoint via Shutterstock

The Amex Blue Business Plus card is best suited for small business owners who want a card with a simple point-earning structure that they can put all of their business expenses on throughout the year.

The card is also great for business owners who are looking for benefits like purchase protection, extended warranty protection, and free employee cards, all without needing to pay an annual fee.

Great Card if

  • You want a card with a simple point-earning structure so you don’t have to worry about bonus categories
  • You want a card that earns transferable rewards
  • You want a card that does not charge an annual fee

Don't Get if

  • You want a card that offers bonus categories on the areas where your business spends the most
  • You want a card that offers travel perks
  • Your business spends significantly more than $50,000 each year

Amex Blue Business Plus Card — Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
    2.7% of each transaction after conversion to U.S. dollars
  • Interest Rates
    • 0.0% intro APR on purchases for 12 months from the date of account opening
    • Ongoing APR: 13.24% to 19.24% variable
  • Late fees
    • 29.24% variable
    • Fee: Up to $39
  • Additional Info

Best Way to Maximize Membership Rewards Points

All Business Expenses

By far the best way to earn as many points as possible with your Amex Blue Business Plus card is to use it for all of your various business expenses.

Since the Amex Blue Business Plus Card does not offer any category-specific bonus categories and instead earns 2x Membership Rewards points per $1 on every purchase (up to $50,000), you’ll want to use your card for every purchase you can in order to rack up the points.

If your business is able to meet the $50,000 spending cap, you’ll be able to earn 100,000 Membership Rewards points each year — which we value at $2,200!

Amex Offers

Amex Offers are available to all American Express cardholders and present a great option to earn extra value out of your card. Each month, you’re presented with dozens of offers from different merchants that can be added to your card.

Thanks to your Amex Offers, you can earn additional Membership Rewards points or even statement credits when you attach a specific offer to your card, and then make a purchase with that merchant.


Rakuten is an online shopping portal that allows you to earn cash-back or Amex Membership Rewards points when you shop at one of the stores listed on their platform. Rakuten offers over 2,000 stores on its platform where you can receive discounts and earn additional Membership Rewards points for things you were planning to buy anyway.


If you know another business owner who you think might like to have the Amex Blue Business Plus card, or perhaps another business or personal American Express card, then you can send them your Amex Refer-a-Friend link.

If they are approved for the card then you will receive a referral bonus of 10,000 Membership Rewards points, up to a max of 50,000 Membership Rewards points per year.

Hot Tip: The friend you refer does not have to apply for the same Amex card that you hold. So if your friend would rather have a Delta card or a Hilton card, you will still receive bonus points for referring them.

Adding More Membership Rewards Cards

An obvious way to earn more Membership Rewards points is by holding multiple Membership Rewards earning cards. By doing this you can optimize your point-earning based on the respective bonus categories for each card you have.

Consider the American Express® Business Gold Card that earns 4x Membership Rewards points per $1 on the 2 categories where your business spends the most from 6 select categories.

With this 2-card setup you could use the Amex Business Gold card to earn 4x Membership Rewards points per $1 on the 2 areas where your business spends the most each month, and put all of your other expenses on the Amex Blue Business Plus card to earn 2x points per $1.

Bottom Line: If you’re curious about other options you have to earn more points, check out our best ways to earn Membership Rewards points

Best Way to Redeem Membership Rewards Points

Air France business class
You can use your Membership Rewards points to treat yourself to luxury travel experiences like flying business class. Image Credit: Air France

When it comes to deciding how to redeem your Membership Rewards points, American Express offers several options that can vary quite a bit in value depending on what is most important to you.

Travel Partners

At Upgraded Points, we think American Express Membership Rewards points are one of the most valuable credit card point currencies that you can earn. This is partly due to the many redemption options the points have, but also because of their ability to be transferred to one of Amex’s airline transfer partners.

Our favorite way by far to get the maximum value out of Membership Rewards points is to use them to book business class and first class award flights, which can usually cost thousands of dollars, for just a few dollars in taxes and fees.

Hot Tip: If you need help getting started on how to use the American Express transfer partners, check out our detailed guide on how to use them.

Amex Travel

Transfer partners aren’t the only way to use your Membership Rewards points for travel. You can also redeem them to offset any purchases made through the Amex Travel portal, including flights, hotel stays, or even rental cars.

This can make for a good option for people who value simplicity and do not want to spend time transferring points and searching for award space. But for what you make up in simplicity, you lose in points value, as redeeming Membership Rewards points through Amex Travel gives you just 1 cent per point in value when applied towards airfare, and just 0.7 cents per point when used for anything else — like hotels or rental cars.

Statement Credit

If you’re more of a cash-back person or don’t really travel much, you can redeem your Membership Rewards points to cover any purchases you’ve made with your card as a statement credit.

But keep in mind that when you redeem your Membership Rewards points this way the value drops even further to just 0.6 cents per point. So unless you have absolutely no time, or no desire to travel, we would not recommend redeeming your Membership Rewards points this way.

Gift Cards

You can also cash in your Membership Rewards points for gift cards with many different affiliated American Express merchants. When you redeem your points this way, they’ll be worth 0.7 cents to 1 cent per point. If you have no plans to use your points for travel, this might be a good option if you redeem your points for a gift card that you’re certain you’ll be using.

But do keep in mind that redeeming your points for a gift card locks the value of those points with only 1 specific merchant. So if you prefer more flexibility, you might be better off redeeming your Membership Rewards points as a statement credit that can be applied to any purchase.

Shop With Points

When you link your Amex Blue Business Plus card to your Apple, Amazon, or Grubhub account, you can then opt to use your Membership Rewards points at checkout, instead of charging the purchase to your card. This redemption option will give you a value of 0.7 cents per point for your Membership Rewards points.

Again, this could be worth considering if you have no plans for travel, and planned to offset any of these purchases via statement credit anyways. Otherwise, you should save them for a higher value redemption.

Bottom Line: At Upgraded Points, we highly recommend using your points with American Express transfer partners. This option is by far the best way to maximize value for your Membership Rewards points — and it is the most fun! Due to that, unless you’re unable to travel, we do not advise you to use your points for any option that only earns 1 cent per point or less.

Alternative Cards to the Amex Blue Business Plus Card

Ink Business Unlimited® Credit Card

For those looking for no annual fee business card that earns flexible rewards and has a simple earning structure, then the Ink Business Unlimited card is worth considering. The card earns an uncapped 1.5% back for every $1 you spend, making it a much better option for those who run businesses with a lot of annual expenses.

Ink Business Preferred® Credit Card

If you’re looking for a more well-rounded option that allows you to maximize categories where your business spends the most, the Ink Business Preferred card might be a perfect fit. The Ink Business Preferred card earns 3x points per $1 on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, and internet, cable, and phone services.

So if your business spends a large amount of money on one or more of these categories, it could help you earn hundreds of thousands of Ultimate Rewards points each year.

Frequently asked questions

What is the credit limit on the Amex Blue Business Plus card?

If you’re approved for the Amex Blue Business Plus card, your credit limit will vary based on your credit score, your business’s annual revenue, how long you’ve been in business, and the amount of credit that American Express has (or has not) extended to you already.

Does the Amex Blue Business Plus charge foreign transaction fees?

Yes, the Amex Blue Business Plus card charges a 2.7% foreign transaction fee. So you’ll want to use another card for your purchases when traveling overseas.

How does the Amex Blue Business Plus card's purchase protection work?

When you make a purchase with your Amex Blue Business Plus card, the purchase is covered for up to 90 days from the date it was purchased if it is stolen or accidentally damaged. If this happens, you can be covered for up to $1,000 per occurrence and up to $50,000 per calendar year.

How does the Amex Blue Business Plus card extended warranty work?

When you purchase a product with your Amex Blue Business Plus card, the original warranty can be extended up to 1 additional year. This applies to warranties of 5 years or less on all covered purchases.

Is the Amex Blue Business Plus card a charge card?

No, the Amex Blue Business Plus card is not a charge card, it is a credit card.

What credit score is needed for the Amex Blue Business Plus card?

While there is no set credit score requirement for the Amex Blue Business Plus card, generally speaking, those with a credit score of 700 or higher will have a higher chance of being approved.

Other factors that will be considered include your business’s annual revenue, the number of years you’ve been in business, the nature of your business, and other credit factors.

Does the Amex Blue Business Plus card charge an annual fee?

No, the Amex Blue Business Plus card does not charge an annual fee, and additional cards can be added for employees for no extra charge.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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