{"id":23162,"date":"2026-09-29T22:10:21","date_gmt":"2026-09-29T22:10:21","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=23162"},"modified":"2026-10-28T22:51:03","modified_gmt":"2026-10-28T22:51:03","slug":"best-credit-card-combo","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/best-credit-card-combo\/","title":{"rendered":"Our Two Favorite Amex Card Combos to Maximize Your Membership Rewards Points Earnings"},"content":{"rendered":"<p>American Express Membership Rewards is one of the <a target=\"_blank\" href=\"\/credit-cards\/best-flexible-rewards-points-travel\/\" rel=\"noopener\">best flexible rewards programs<\/a> available. You can earn these valuable rewards through several credit cards, pool them in a single Membership Rewards account, and transfer to any one of 20 <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-transfer-partners\/\" rel=\"noopener\">Amex airline and hotel transfer partners<\/a>.<\/p>\n<p>Each card features a different set of high-earning bonus categories, and Membership Rewards points transfer to most airline partners at a 1:1 ratio. With the right Amex card combo, you can earn airline miles faster using Membership Rewards-earning cards than with traditional co-brand airline cards. That makes these card combos especially good for fans of <a target=\"_blank\" href=\"\/airlines\/british-airways-club\/book-with-avios\/\" rel=\"noopener\">British Airways Avios<\/a>, <a target=\"_blank\" href=\"\/airlines\/flying-blue\/\" rel=\"noopener\">Flying Blue<\/a>, <a target=\"_blank\" href=\"\/airlines\/ana-mileage-club-sweet-spots\/\" rel=\"noopener\">ANA Mileage Club<\/a>, <a target=\"_blank\" href=\"\/travel\/award-program-sweet-spots\/\" rel=\"noopener\">Delta SkyMiles<\/a>, and more.<\/p>\n<p>Amex also offers a wide range of Membership Rewards-earning cards, allowing you to build a high-earning combination while taking advantage of valuable perks and benefits.<\/p>\n<p>Here are some of our favorite Amex card combos.<\/p>\n<h2><span id=\"Membership_Rewards-Earning_Credit_Cards\">Membership Rewards-Earning Credit Cards<\/span><\/h2>\n<p>Amex offers several personal and business <a target=\"_blank\" href=\"\/credit-cards\/amex-membership-rewards\/amex-rewards-cards\/\" rel=\"noopener\">Membership Rewards-earning cards<\/a> that provide particularly strong value.<\/p>\n<p><strong>Consumer Membership Rewards cards open to new applicants:<\/strong><\/p>\n<ul>\n<li><a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Gold Card<\/a><\/li>\n<li><a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">American Express Platinum Card<sup>\u00ae<\/sup><\/a><\/li>\n<\/ul>\n<p><strong>Small business Membership Rewards cards:<\/strong><\/p>\n<ul>\n<li><a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/a><\/li>\n<li><a data-ccid=\"4028099\" href=\"\/blog\/link\/BusinessGreenRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Green Rewards Card from American Express<\/a><\/li>\n<li><a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/a><\/li>\n<li><a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">The Business Platinum Card<sup>\u00ae<\/sup> from American Express<\/a><\/li>\n<\/ul>\n<p>Using the right Amex card for each spending category can help you earn two or three times as many points on purchases compared with using a single card for everything.<\/p>\n<p>It\u2019s worth noting that some of the best Membership Rewards-earning cards are business cards, and while <a target=\"_blank\" href=\"\/credit-cards\/how-to-get-a-business-credit-card\/\" rel=\"noopener\">more people than before qualify for business cards<\/a>, plenty of folks will only be approved for personal cards. With that in mind, where we add business cards to the mix, we also try to provide an alternative from Amex\u2019s lineup of consumer Membership Rewards cards.<\/p>\n<figure id=\"attachment_185247\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/400\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-185247 size-full lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/a-barista-chats-to-a-customer-at-the-cash-till.jpg\" alt=\"A barista, chatting with a customer at the cash register\" width=\"600\" height=\"400\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/a-barista-chats-to-a-customer-at-the-cash-till.jpg 600w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/10\/a-barista-chats-to-a-customer-at-the-cash-till-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Matthew Henry\/Burst<\/em><\/enter><\/figure>\n<h2><span id=\"Membership_Rewards_Duo\">Membership Rewards Duo<\/span><\/h2>\n<p>Amex currently offers just two consumer credit cards. So, if you aren't eligible for small business cards, your only pairing is the <a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> and the <a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Platinum Card<sup>\u00ae<\/sup><\/a>.<\/p>\n<p>The Platinum Card<sup>\u00ae<\/sup> earns 5X points on flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (on up to $500,000 on these purchases per calendar year) and 5X points on prepaid hotels (including Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection) booked through American Express Travel<sup>\u00ae<\/sup>.<\/p>\n<p>It's nicely complemented by the Amex Gold, which earns 4X points at restaurants worldwide (on up to $50,000 per year, then 1X) and at U.S. supermarkets (on up to $25,000 per year, then 1X); 3X points on flights booked directly with airlines or on AmexTravel.com; 5X points on prepaid hotels booked on AmexTravel.com; and 2X points on prepaid car rentals or cruises booked and paid through AmexTravel.com. Plus, it earns 1X on other eligible purchases.<\/p>\n<p>You can earn a ton of Membership Rewards with this two-card combo.<\/p>\n<div class=\"compare-cards-wrap compare-count-cards-2 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/4206696d-827e-44e5-bfc0-d0ce86822875.png\" width=\"150\" alt=\"American Express\u00ae Gold Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Gold Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nFind Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Gold Card' data-ccid=\"4028085\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$325<span class=\"compare-terms\"><a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>4X Membership Rewards<sup>\u00ae<\/sup> points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)<\/li>\r\n \t<li>4X Membership Rewards<sup>\u00ae<\/sup> points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)<\/li>\r\n        <li>5X Membership Rewards<sup>\u00ae<\/sup> points on prepaid hotels booked on amextravel.com<\/li>\r\n        <li>3X Membership Rewards<sup>\u00ae<\/sup> points on flights booked directly with airlines or on amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on prepaid car rentals booked through amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on cruises booked and paid through amextravel.com\r\n        <li>1X on other eligible purchases<\/li>\r\n        <\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express Platinum Card<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express Platinum Card\u00ae' data-ccid=\"4028089\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>What this combo costs:<\/strong><\/p>\n<ul>\n<li><strong><a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> (<a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>):<\/strong> $325<\/li>\n<li><strong><a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Platinum Card<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>):<\/strong> $895<\/li>\n<\/ul>\n<h3><span id=\"Spend_less_on_travel_Consider_this_Amex_card_combo_instead\">Spend less on travel? Consider this Amex card combo instead<\/span><\/h3>\n<p>If you can open a small business card, you might find more value in swapping the Platinum Card<sup>\u00ae<\/sup> with the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a>. Yes, this is a business card, but its earning structure makes it a better option for everyday purchases than the Platinum Card<sup>\u00ae<\/sup>.<\/p>\n<p>The Blue Business Plus earns 2 points per dollar on everyday business purchases. The 2X earning rate applies to the first $50,000 in eligible purchases each calendar year, then 1X thereafter.<\/p>\n<p>What's more, the Blue Business Plus (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) charges no annual fee.<\/p>\n<p>With this pairing, you can earn:<\/p>\n<ul>\n<li>4X Membership Rewards<sup>\u00ae<\/sup> points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)<\/li>\n<li>4X Membership Rewards<sup>\u00ae<\/sup> points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)<\/li>\n<li>5X Membership Rewards<sup>\u00ae<\/sup> points on prepaid hotels booked on amextravel.com<\/li>\n<li>3X Membership Rewards<sup>\u00ae<\/sup> points on flights booked directly with airlines or on amextravel.com<\/li>\n<li>2X Membership Rewards<sup>\u00ae<\/sup> points on prepaid car rentals booked through amextravel.com<\/li>\n<li>2X Membership Rewards<sup>\u00ae<\/sup> points on cruises booked and paid through amextravel.com<\/li>\n<li>Earn 2X 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. Terms and limitations apply.<\/li>\n<li>1X on other eligible purchases<\/li>\n<\/ul>\n<div class=\"qs-card\" data-id=\"4028098\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers\u00a0vary\u00a0and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers\u00a0vary\u00a0and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday purchases.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%<\/li><li>Earn 2X 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. Terms and limitations apply.<\/li><li>You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.<\/li><li>Apply to know if you're approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted<\/li><li>No Annual Fee<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>Earn 2X 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. Terms and limitations apply.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/AmexBlueBizPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-1007fc5e42#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<h3><span id=\"Doubling_down_on_business_cards\">Doubling down on business cards<\/span><\/h3>\n<p>If you have high spending in popular business categories, the <a data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Amex Business Gold<\/a> is a solid pick. You'll earn 4X Membership Rewards points on the 2 eligible categories where your business spent the most each month, 1X on other purchases. 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.<\/p>\n<p>Or, if you're a business owner looking for a premium travel card, you could opt for the <a data-ccid=\"4028096\" href=\"\/blog\/link\/TheBusinessPlatinumCardfromAmericanExpressOPEN\" rel=\"noopener nofollow sponsored\">Business Platinum Card<\/a>. It includes perks such as lounge access and a variety of business-centered statement credits.<\/p>\n<p>When you pair one of these cards with the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a>, you'll ensure your business earns at least 2X points per dollar on all purchases until you reach the spending cap.<\/p>\n<div class=\"qs-card\" data-id=\"4028093\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/97\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/CardArt-AmericanExpressBusinessGoldCard.png\" width=150 alt=\"American Express\u00ae Business Gold Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Business Gold Card' data-ccid=\"4028093\" href=\"\/blog\/link\/TheBusinessGoldRewardsCardfromAmericanExpressOPEN\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028093\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/businessgold-card\/42732-9-0?key=tncBody&rwdFlag=rwd&oneXpVariant=elevatedOffer_variant#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">American Express<sup>\u00ae<\/sup> Business Gold Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nYou may be eligible for as high as 200,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer. Find out your offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$375<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The American Express<sup>\u00ae<\/sup> Business Gold Card offers 4X points on the top 2 spending eligible categories per billing cycle, 3X points on flights and pre-paid hotels booked on AmexTravel.com or the Amex Travel App\u2122, and 1X points on other eligible purchases. Cardholders can earn up to $240 back annually for eligible purchases at Grubhub, U.S. Office Supply Stores, and shipments at UPS.com, and up to $155 annually for Walmart+ membership costs, enhancing the card's appeal for varied business spending. Enrollment required for select American Express benefits.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards&#xAE; Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/li><li>Earn 4X Membership Rewards&#xAE; points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.<\/li><li>Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at Grubhub, Office Supply Stores, and shipments at UPS.com. This can be an annual savings of up to $240. Enrollment required.<\/li><li>Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Gold Card. *Subject to auto-renewal.<\/li><li>Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold card. Subscription purchases subject to auto-renewal.<\/li><li>Get up to a $12.95&#xB9; statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with the Business Gold Card. &#xB9;Up to $12.95 plus applicable taxes on one membership fee.<\/li><li>Earn 3X Membership Rewards&#xAE; points on flights and prepaid hotels booked on AmexTravel.com or the Amex Travel App&#x2122;.<\/li><li>The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.<\/li><li>Terms Apply<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\">Get 4X Membership Rewards<sup>\u00ae<\/sup> points on the 2 eligible categories where your business spent the most each billing cycle from the list below:\r\n<ul>\r\n<li>U.S. purchases for advertising in select media  (online, TV, radio)<\/li>\r\n<li>U.S. purchases made from electronic goods retailers and software & cloud system providers<\/li>\r\n<li> U.S. purchases at gas stations<\/li>\r\n<li> U.S. purchases at restaurants, including takeout and delivery<\/li>\r\n<li>Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways<\/li>\r\n<li>Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.<\/li>\r\n<\/ul>\r\n\r\n*4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year; then earn 1 point per dollar.<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/BizGold\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-1007fc5e42#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-business-platinum\/\">American Express Business Platinum Card Review: Are the Benefits Worth the Annual Fee?<\/a><\/strong><\/p>\n<figure id=\"attachment_239395\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-239395 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/club-world-customer-working-laptop-business-4ef46-750x600.jpg\" alt=\"British Airways Customer Using Wi-Fi in Club World\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/club-world-customer-working-laptop-business-4ef46-750x600.jpg 750w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/club-world-customer-working-laptop-business-4ef46-900x720.jpg 900w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/club-world-customer-working-laptop-business-4ef46-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/club-world-customer-working-laptop-business-4ef46-325x260.jpg 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2025\/12\/club-world-customer-working-laptop-business-4ef46.jpg 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: British Airways<\/em><\/enter><\/figure>\n<h2><span id=\"Membership_Rewards_Trifecta\">Membership Rewards Trifecta<\/span><\/h2>\n<p>The best Amex Membership Rewards trifecta adds the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a> to the Amex Gold and Platinum Card<sup>\u00ae<\/sup> pairing. Each card then has a clear role:<\/p>\n<ul>\n<li><strong>Amex Gold:<\/strong> Use it for its restaurant and U.S. supermarket bonus categories.<\/li>\n<li><strong>Platinum Card<sup>\u00ae<\/sup>:<\/strong> Use it for eligible flights and the travel benefits you'll actually use, such as airport lounge access and statement credits. Enrollment is required for select Amex benefits.<\/li>\n<li><strong>Blue Business Plus:<\/strong> Use it for eligible business purchases that don't earn a higher bonus on another card. It earns 2X points on the first $50,000 in eligible purchases each calendar year, then 1X.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-american-express\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/4206696d-827e-44e5-bfc0-d0ce86822875.png\" width=\"150\" alt=\"American Express\u00ae Gold Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express<sup>\u00ae<\/sup> Gold Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nFind Out Your Offer. You may be eligible for as high as 100,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express\u00ae Gold Card' data-ccid=\"4028085\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$325<span class=\"compare-terms\"><a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>4X Membership Rewards<sup>\u00ae<\/sup> points at restaurants worldwide, plus takeout and delivery in the U.S. (on up to $50,000 per year in purchases, then 1X)<\/li>\r\n \t<li>4X Membership Rewards<sup>\u00ae<\/sup> points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)<\/li>\r\n        <li>5X Membership Rewards<sup>\u00ae<\/sup> points on prepaid hotels booked on amextravel.com<\/li>\r\n        <li>3X Membership Rewards<sup>\u00ae<\/sup> points on flights booked directly with airlines or on amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on prepaid car rentals booked through amextravel.com<\/li>\r\n        <li>2X Membership Rewards<sup>\u00ae<\/sup> points on cruises booked and paid through amextravel.com\r\n        <li>1X on other eligible purchases<\/li>\r\n        <\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/e6901d88-1a35-4373-b3e1-9a2a445490a0.png\" width=\"150\" alt=\"American Express Platinum Card\u00ae\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">American Express Platinum Card<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nYou may be eligible for as high as 175,000 Membership Rewards<sup>\u00ae<\/sup> Points after spending $12,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='American Express Platinum Card\u00ae' data-ccid=\"4028089\" data-exit=\"ccw\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$895<span class=\"compare-terms\"><a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5X points for flights booked directly with airlines or with American Express Travel<sup>\u00ae<\/sup> (up to $500,000 in purchases per calendar year).<\/li>\r\n<li>Earn 5X points on prepaid hotels booked with American Express Travel<sup>\u00ae<\/sup>.<\/li>\r\n<li>Earn  5X points on Fine Hotels + Resorts<sup>\u00ae<\/sup> and The Hotel Collection bookings.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div><div class=\"compare-offer\"><strong>Find Out Your Offer<\/strong>\r\nAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers\u00a0vary\u00a0and you may not be eligible for an offer.<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" data-exit=\"ccw\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>No annual fee<span class=\"compare-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul><li>Earn 2X 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. Terms and limitations apply.<\/li><\/ul><\/div><\/div><\/div>\n<p><strong>What this combo costs:<\/strong><\/p>\n<ul>\n<li><strong><a data-ccid=\"4028085\" href=\"\/blog\/link\/CR-AmericanExpressGoldCard\" rel=\"noopener nofollow sponsored\">Amex Gold<\/a> (<a data-ccid=\"4028085\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/gold-card\/91101-10-0\/?print#terms-details\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>):<\/strong> $325<\/li>\n<li><strong><a data-ccid=\"4028089\" href=\"\/blog\/link\/CR-ThePlatinumCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Platinum Card<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"4028089\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/platinum-card\/91101-10-0#offer-terms\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>):<\/strong> $895<\/li>\n<li><strong><a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a> (<a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>):<\/strong> No annual fee<\/li>\n<\/ul>\n<p>The Blue Business Plus adds no annual fee, but the Platinum Card<sup>\u00ae<\/sup> is a substantial expense. If its benefits don't fit your travel habits, the Amex Gold and Blue Business Plus pairing may be the better value.<\/p>\n<p><strong>Related: <a href=\"https:\/\/awardwallet.com\/credit-cards\/amex-membership-rewards\/amex-platinum\/\">Is the Platinum Card<sup>\u00ae<\/sup> Worth Its Annual Fee? Our Comprehensive Breakdown<\/a><\/strong><\/p>\n<h2><span id=\"American_Express_Application_Restrictions\">American Express Application Restrictions<\/span><\/h2>\n<p>Amex has several application and welcome-offer restrictions. For example, Amex restricts welcome offers to once per lifetime for each card, and some cards also include family language that can affect your eligibility based on other Amex cards you've held.<\/p>\n<p>For a full breakdown of these restrictions and how they work, check our <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">guide to American Express application rules<\/a> before applying for a new card.<\/p>\n<figure id=\"attachment_172449\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-172449 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured-Making-an-online-payemnt-with-a-credit-card-Mikhail-Nilov-Pexels.jpg\" alt=\"Using a laptop to make an online payment with a credit card\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured-Making-an-online-payemnt-with-a-credit-card-Mikhail-Nilov-Pexels.jpg 1200w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured-Making-an-online-payemnt-with-a-credit-card-Mikhail-Nilov-Pexels-300x240.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured-Making-an-online-payemnt-with-a-credit-card-Mikhail-Nilov-Pexels-1024x819.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured-Making-an-online-payemnt-with-a-credit-card-Mikhail-Nilov-Pexels-768x614.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/07\/Featured-Making-an-online-payemnt-with-a-credit-card-Mikhail-Nilov-Pexels-325x260.jpg 325w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Mikhail Nilov \/ Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Bottom_Line\">Bottom Line<\/span><\/h2>\n<p>The best Amex card combo depends on where you spend the most, which benefits you\u2019ll actually use, and how much you\u2019re willing to pay in annual fees. For many cardholders, the <a data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" rel=\"noopener nofollow sponsored\">Blue Business Plus<\/a> can be a useful addition because it earns 2X points on the first $50,000 in eligible purchases (then 1X) each calendar year.<\/p>\n<div class=\"qs-card\" data-id=\"4028098\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/div>\n                    <div class=\"qs-image\"><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/CardArt-TheBlueBusinessPlusCreditCardfromAmericanExpress-1.png\" width=\"150\" alt=\"The Blue Business\u00ae Plus Credit Card from American Express\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-how-apply\" title='The Blue Business\u00ae Plus Credit Card from American Express' data-ccid=\"4028098\" href=\"\/blog\/link\/TheBlueBusinessPlusCreditCardfromAmericanExpress\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"4028098\" href=\"https:\/\/www.americanexpress.com\/us\/credit-cards\/card-application\/apply\/prospect\/terms\/bluebusinessplus-credit-card\/42732-9-0?rwdFlag=rwd\/?rwdFlag=rwd#FeeTable\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><br>(Terms Apply)<\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers\u00a0vary\u00a0and you may not be eligible for an offer.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">The Blue Business<sup>\u00ae<\/sup> Plus Credit Card from American Express<\/strong>\n                    <div class=\"qs-offer\"><strong>Find Out Your Offer<\/strong>\r\nAs High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers\u00a0vary\u00a0and you may not be eligible for an offer.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>No annual fee<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The best credit card for non-bonus business expenses. Earn 2X Membership Rewards points on every $1 spent up to $50,000 per year, then 1X. Points can be transferred to travel partners without needing any other cards, making it a strong choice for businesses seeking flexibility and value on everyday purchases.<\/div><div class=\"qs-tab-hl\"><?xml version=\"1.0\" standalone=\"yes\"?>\n<!DOCTYPE html PUBLIC \"-\/\/W3C\/\/DTD HTML 4.0 Transitional\/\/EN\" \"http:\/\/www.w3.org\/TR\/REC-html40\/loose.dtd\">\n<?xml encoding=\"utf-8\" ??>\n<html><body><ul><li>As High As 50,000 Membership Rewards points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. Apply and find out your welcome offer. Welcome offers vary and you may not be eligible for an offer.<\/li><li>0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.99% - 28.74% based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%<\/li><li>Earn 2X 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. Terms and limitations apply.<\/li><li>You've got the power to spend above your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.<\/li><li>Apply to know if you're approved with no personal or business credit score impact. If you are approved and choose to accept the Card, your personal and business credit scores may be impacted<\/li><li>No Annual Fee<\/li><li>Terms Apply.<\/li><\/ul><\/body><\/html>\n<\/div><div class=\"qs-tab-er\"><ul><li>Earn 2X 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. Terms and limitations apply.<\/li><\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/AmexBlueBizPlus\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-11-1007fc5e42#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div>\n<div id=\"ftoc\"><div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Membership_Rewards-Earning_Credit_Cards\">Membership Rewards-Earning Credit Cards<\/a><\/li><li><a href=\"#Membership_Rewards_Duo\">Membership Rewards Duo<\/a><ul><li><a href=\"#Spend_less_on_travel_Consider_this_Amex_card_combo_instead\">Spend less on travel? Consider this Amex card combo instead<\/a><\/li><li><a href=\"#Doubling_down_on_business_cards\">Doubling down on business cards<\/a><\/li><\/ul><\/li><li><a href=\"#Membership_Rewards_Trifecta\">Membership Rewards Trifecta<\/a><\/li><li><a href=\"#American_Express_Application_Restrictions\">American Express Application Restrictions<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>American Express Membership Rewards is one of the premier flexible rewards programs for points and miles fans. You can earn Membership Rewards through several credit cards, pool your points in a single account, and transfer them to a variety of airline and hotel partners.<\/p>\n","protected":false},"author":86,"featured_media":183454,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_bluesky_share_type":"","_mastodon_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"","timeOption":"","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":""},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12710,12519],"coauthors":[36466,36540],"class_list":["post-23162","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-amex-membership-rewards","tag-application-strategy"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/23162","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/86"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=23162"}],"version-history":[{"count":68,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/23162\/revisions"}],"predecessor-version":[{"id":283755,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/23162\/revisions\/283755"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/183454"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=23162"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=23162"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=23162"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=23162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}