4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
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American Express · rewards
The Blue Business Plus Credit Card from American Express
4.4 / 5
Membership Rewards · Business card
Simplicity is the whole pitch here. 2x points on every purchase up to $50,000 a year beats most flat-rate business cards, and there's no annual fee to offset.
At a glance
- Welcome bonus
- 15,000 points
- Spend $3,000 in 3 months
- Annual fee
- $0
- Purchase APR
- 16.74% to 28.49%
- Intro: 0% for 12 months
- FX fee
- 2.70%
- BT intro: 0% for 12 months
Editorial
Our take
Simplicity is the whole pitch here. 2x points on every purchase up to $50,000 a year beats most flat-rate business cards, and there's no annual fee to offset.
Verdict
Pros & cons
Pros
- Uncapped-by-category 2x points on all purchases up to $50,000/yr
- No annual fee
- 0% intro APR for 12 months on purchases
Cons
- 2x drops to 1x after $50,000 in annual spending
- 2.7% foreign transaction fee
- No travel credits or elite status perks
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| All purchases | 2x points | 2x on all eligible purchases up to $50,000 per year combined, then 1x·cap $50,000 |
| All other purchases | 1x points | After the $50,000 annual combined cap |
Benefits
Key benefits
2x on Everything, No Category Restrictions
Earn 2x Membership Rewards points on all purchases up to $50,000 per year, then 1x, with no bonus-category tracking required.
No Annual Fee
This card carries a $0 annual fee.
0% Intro APR
0% intro APR on purchases for 12 months from account opening.
Fit
Who this is best for
- Small businesses with varied spending
- No-annual-fee seekers
- Owners who don't want to track bonus categories
FAQ
Frequently asked questions
What is the Blue Business Plus welcome bonus?
Earn 15,000 Membership Rewards points after you spend $3,000 on purchases on your new Card in your first 3 months of Card Membership.
Does the Blue Business Plus charge an annual fee?
No. The Blue Business Plus has a $0 annual fee.
Does the Blue Business Plus have a foreign transaction fee?
Yes. The Blue Business Plus charges a 2.70% foreign transaction fee on purchases made outside the US.
Does the Blue Business Plus offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 16.74% to 28.49% variable.
Who is the Blue Business Plus best for?
Small businesses with varied spending. No-annual-fee seekers. Owners who don't want to track bonus categories.
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Apply
The Blue Business Plus Credit Card from American Express
Spend $3,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.