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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.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 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.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening.
- 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 card, 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 American Express travel 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)
The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
I picked up this card a little over a week after I got the Amex Platinum for the “COVID-firesale” 100k + 10x gas/grocery bonus. It was relatively easy to apply for, is a backstop for my MR points, and I wanted to separate my business expenses from the get-go, rather than down the road. Great card if you have a sole prop/side hustle that is either new or doesn’t have a great deal of expenses.
The Award Wallet Card Spend Analysis tool recommended this card for a certain category of my spending. I think I am going to try it out!
2x MR up to $50k, no annual fee, and carrying a balance here doesn’t show up on your personal credit report since it’s a business account. I did forget and used it abroad once and got hit w/ the FTF. Other than that, it’s an all around win!
this is the best everyday card handsdown. 2x pts is awesome
With no annual fee this is a great deal!
A great card as doesn’t get included in your credit searches criteria.
This just might be my next Amex card.
I really wish those of us based in Europe had these kind of credit card deals. The best we have in Norway is the SAS and Amex/Mastercard partnerships, but NOTHING like what you guys have in the States 🙁
Given what Bill from Maine posted along with the article’s contents, I suppose I need to give this card strong consideration.
This is my go to card when I’m not racking up points with Hilton Amex and their specialized categories, 2X’s MR points and no annual fee plus 20K bonus points during a promo sealed the deal for me.
There is a Targeted offer for the 20K MRs, maybe check incognito.
Also there are now 10K referral offers for referrer and referee.
Thank you for the heads up re current offers, and the incognito tip reminder.
Thanks for the info!
It’s a good card. It does not have return protection though.
If you’re looking for return protection I’d focus on Chase/Citi products. Sapphire is solid here: https://awardwallet.com/blog/comparing-chase-sapphire-visa-benefits-preferred-signature-vs-reserve-infinite/
2x points everywhere is a great return, and even though there is some crossover between MR transfer partners & UR transfer partners, I personally find the Chase transfer partner list significantly more valuable, and therefore earning 1.5 UR points on my un-bonused spend with the Freedom Unlimited, a better return. Sure, I’m netting fewer points, but the points I do accrue have more utility, and thereby , greater value.
Here’s what gets my attention: no annual fee. Bring it on!
Any reason they’d be stingy about what counts as a “business” expense?
Yes. They want you to use the card for business expenses. Personal cards are for personal and business for business. Simple as that.
No AF, good return, no brainer.
I was able to get this card when it had a sign up bonus and it has definitely become my go-to Card. With this card, the only time I earn one point per dollar is the rare merchant who won’t take Amex. There is no annual fee, but I believe it has foreign transaction fees, so I don’t take it on international travels. Please correct me if I’m wrong about this.
There is, unfortunately, foreign transaction fees. 🙁
excellent card with no fee
This looks like a good go to card for anything not covered by larger cashback offers or more points per dollar cards that may be in your quiver.
I love this card. Opened this last year and it really helps me rack in the points.
Blue Card is the best. I use it all the time, especially to transfer points to mileage.
I guess it is hard to go wrong on a credit card with no annual fee.
I got this when they had a sign up bonus
I like cards with no annual fees, and if it comes with double MR – it’s amazing
Hey this is so cool! I think I’m going to sign up for this card.
2x on all purchases is amazing!!!
Thank you!
More MR are always good. Specially for an no AF, use anywhere card.
2x on all purchases is fantastic