The Blue Business^® Plus Credit Card from American Express [2023]

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We're constantly asked about what we think is the best card for everyday spend — well here it is. The Blue Business^® Plus Credit Card from American Express is one of the best cards in Amex's arsenal of Membership Rewards earning business credit cards.

The Blue Business^® Plus Credit Card from American Express

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Rates & Fees
(Terms Apply)

The Blue Business^® Plus Credit Card from American Express

Annual FeeNo annual fee

Featured Offer 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%

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Why We Like ItHighlightsEarning Rates

The best credit card available for non-bonus business expenses. You'll receive 2X Membership Rewards points for every $1 spent up to the first $50,000 per year, then 1x. Points transfer to travel partners without the need to hold other cards. The introductory APR offer also makes the card a great option if you're looking for a low-cost method of financing capital purchases you intend to pay down in less than 12 months.

• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X 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.
• You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• No Annual Fee
• Terms Apply
• Rates & Fees

• Earn 2X 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.

Earning a solid 2x Membership Rewards points on the first $50,000 of business expenses (then 1x), the Blue Business Plus is the go-to rewards card for everyday expenses, eclipsing the earn rates of its Amex business card stablemates for non-bonus category spending.

Earning 2x Membership Rewards points, this is a high-value rewards card. Even better, the Blue Business Plus won't count towards your 5/24 count as it's an Amex business rewards card!

Best Redemption Options for the Blue Business Plus Card

Amex Membership Rewards points earned with Blue Business Plus can be redeemed at 1¢ per piece for travel in the Amex Travel website, but it's not the recommended use as you get a low fixed-return on your points.

Unlike its predecessor, The Blue for Business^® Credit Card from American Express, points earned with the Blue Business Plus card work the same as other Amex offerings like the American Express^® Gold Card, which allow you to transfer Amex points to 21 American Express Membership Rewards transfer partners for a much higher value.

For example, transferring Amex points to British Airways Avios during one of the regular 50% transfer bonuses to redeem for short-haul flights on AA can offer substantially better value than redeeming directly through the American Express Travel website.

Or if you pair the Blue Business Plus with The Business Platinum Card^® from American Express, you can redeem the points through Amex Travel and receive 35% points back when using Membership Rewards^® Pay with Points.

Final Thoughts

The Blue Business Plus is a top rewards card, offering an amazing return on everyday spending with 2x Membership Rewards points on business expenses and no annual fee (Rates & Fees). As the Blue Business Plus doesn't count towards your Chase 5/24 count, this is a great card to pick up in between personal applications as it has no effect on your new card application count!

For rates and fees of the cards mentioned in this post, please visit the following links: The Blue Business^® Plus Credit Card from American Express (Rates & Fees)

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