The Blue Business® Plus Credit Card from American Express Review: Should You Apply?

The Blue Business® Plus Credit Card from American Express Review: Should You Apply?

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

The Blue Business® Plus Credit Card from American Express offers enough business benefits and rewards for small businesses with modest annual expenses, but isn’t the best choice if you spend over $50,000 annually or want access to more travel perks.

The Blue Business® Plus Credit Card from American Express is a great introduction to business rewards credit cards. It comes with useful business benefits and tools like free employee cards, vendor pay and valuable purchase protections.

With its simple flat-rate earning structure, The Blue Business® Plus Credit Card from American Express is great for small business owners who want an everyday spending rewards card to stack with a premium Amex business card. Pair up The Blue Business® Plus Credit Card from American Express with another Amex card — like The Business Platinum Card® from American Express — to take advantage of higher rewards in more spending categories.

With bonus rewards capped at the first $50,000 in card spending annually, this Amex card isn’t a great fit for big spenders. Still, The Blue Business® Plus Credit Card from American Express occasionally comes with a modest welcome offer that can nicely jumpstart the earning of rewards — especially for a no-annual-fee business card.

Pros

  • No annual fee
  • 0% intro APR offer on purchases
  • Several airline travel partners
  • Spend over your credit limit
  • Free employee cards
  • Extended warranty protection
  • Terms apply

Cons

  • Higher rewards rate only on first $50,000 spending
  • Foreign transaction fees
  • No travel perks
  • Terms apply
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Earn 15,000 Membership Rewards points

The current welcome offer on The Blue Business® Plus Credit Card from American Express is one of the lowest offers among Amex business credit cards.

15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership

However, considering that The Blue Business® Plus Credit Card from American Express has No annual fee, it’s still a generous offer worth roughly $150 when redeemed for flights through the Membership Rewards portal.

What it's worth: $150 in Membership Rewards travel, and possibly more if you transfer to an Amex loyalty program partner.

Who's eligible to earn this offer? This welcome offer is for new cardholders who don’t currently have and have never had The Blue Business® Plus Credit Card from American Express. American Express also considers other Amex cards you’ve opened and closed, as well as other factors, when determining eligibility for card welcome offers.

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Earn 2X points on every purchase

The Blue Business® Plus Credit Card from American Express makes earning Membership Rewards points simple:

You’ll 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.

This means you’ll earn Membership Rewards points on all your eligible business purchases regardless of category — there are no bonus categories to track. And if you provide your employees with cards, you’ll earn points on all their eligible spending too.

Depending on your spending habits, though, you could be missing out on earning more points with another card that offers higher rates on things like dining out, gas, and travel purchases. That said, 2X points is a higher rate for everyday purchases than you’ll find with most cards. Keep in mind, though,that the higher rate only counts towards the first $50,000 in annual purchases.

The average rewards earned per dollar on The Blue Business® Plus Credit Card from American Express is roughly equivalent to other business credit cards. Note that the American Express® Business Gold Card and The Business Platinum Card® from American Express offer higher average rewards per dollar spent because you can transfer their points to outside loyalty programs (including Delta Air Lines) to get more value.

Average rewards earned per $1 spent

$0.038
American Express® Business Gold Card
$0.033
The Business Platinum Card® from American Express
$0.023
Ink Business Preferred℠ Credit Card
$0.02
The Blue Business® Plus Credit Card from American Express
$0.02
Capital One Spark Cash for Business
$0.02
Capital One Spark Miles for Business
$0.015
Ink Business Unlimited® Credit Card
$0.013
Ink Business Cash® Credit Card

What are The Blue Business® Plus Credit Card from American Express points worth?

Membership Rewards points redeemed with your The Blue Business® Plus Credit Card from American Express are worth roughly 1 cent depending on how you redeem them.

You can, however, extend point values up to 2.2 cents by pairing this card up with other Amex business cards. The American Express® Business Gold Card comes with a 25% rebate on rewards flights booked through Amex travel, up to 250,000 points back annually. The Business Platinum Card® from American Express comes with a 35% rebate on rewards flights booked, up to 500,000 points back annually.

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Redeeming points

Redeeming American Express Membership Rewards points is easy — simply log in to your Membership Rewards account, online or through the mobile app, and choose from any of the redemptions listed in the table below.

The best use of Membership Rewards points in terms of value is typically for flights, either booked through Amex Travel, or by transferring your points to one of Amex’s travel partner programs. Other redemptions yield less value, but are options you can consider if you prefer to use your points in other ways.

Amex points value

Redemption option
Estimated value (in cents)
Transfer points to airline and hotel loyalty programsDepends on program (around 2.2 cents on average)
Book flights through the Amex Travel portal1.0
Book hotels through the Amex Travel portal0.7
Redeem for gift cards0.5-1.10
Shop with points0.5
Pay with your points at checkout0.5-1.0
Cover your card charges and receive a statement credit0.6

Pairing The Blue Business® Plus Credit Card from American Express with other cards

As mentioned, pairing The Blue Business® Plus Credit Card from American Express with other Amex business cards can make your points go further, especially when redeeming points for flights.

The American Express® Business Gold Card and The Business Platinum Card® from American Express stretch your Membership Rewards points used on rewards flights, where you can potentially earn 25% to 35% of your points back.

Pairing cards is also a great way to take advantage of higher rewards rates:

  • You could use your The Blue Business® Plus Credit Card from American Express to earn 2X points on everyday business purchases and pair it with The Business Platinum Card® from American Express to earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.
  • You could also Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month*, with the American Express® Business Gold Card.

Your Membership Rewards points may be worth even more (around 2.2 cents per point, by our estimates) when you transfer them over to one of Amex’s many airline and hotel loyalty program partners.

Amex transfer partners

  • Aer Lingus AerClub
  • Aeromexico Premier
  • Air Canada Aeroplan (coming later in 2021)
  • Air France/KLM Flying Blue
  • Alitalia MileMiglia
  • ANA Mileage Club
  • Avianca LifeMiles
  • British Airways Executive Club
  • Cathay Pacific AsiaMiles
  • Delta SkyMiles
  • Emirates Skywards
  • Etihad Guest
  • Hawaiian Airlines
  • Iberia
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Singapore KrisFlyer
  • Virgin Atlantic Flying Club
  • Choice Privileges
  • Hilton Honors
  • Marriott Bonvoy
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Get 50% more Membership Rewards\u00ae points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n You could also Get 4X Membership Rewards\u00ae points on the 2 select categories where your business spent the most each month*, with the American Express\u00ae Business Gold Card.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003EYour Membership Rewards points may be worth even more (around 2.2 cents per point, by our estimates) when you transfer them over to one of \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Amex Transfer Partners: How to Get the Most out of Membership Rewards Points\" href=\"https:\/\/www.valuepenguin.com\/travel\/amex-transfer-partners\"\u003EAmex\u2019s many airline and hotel loyalty program partners\u003C\/a\u003E\u003C\/span\u003E.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n \u003Ch3 class=\"ShortcodeList--title\"\u003EAmex transfer partners\u003C\/h3\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Aer Lingus AerClub\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Aeromexico Premier\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Air Canada Aeroplan (coming later in 2021)\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Air France\/KLM Flying Blue\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Alitalia MileMiglia\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n ANA Mileage Club\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Avianca LifeMiles\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n British Airways Executive Club\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Cathay Pacific AsiaMiles\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Delta SkyMiles\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Emirates Skywards\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Etihad Guest\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Hawaiian Airlines\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Iberia\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n JetBlue TrueBlue\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Qantas Frequent Flyer\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Singapore KrisFlyer\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Virgin Atlantic Flying Club\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Choice Privileges\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Hilton Honors\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Marriott Bonvoy\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Other The Blue Business® Plus Credit Card from American Express benefits

While The Blue Business® Plus Credit Card from American Express's rewards are its biggest selling point, this card also comes with a long list of other benefits that can help you save money on dining and travel.

Along with the rewards you can earn with The Blue Business® Plus Credit Card from American Express, there are several tools and other perks business owners will love.

Add additional employee cards to your The Blue Business® Plus Credit Card from American Express account without paying extra annual fees. Employee cards earn the same rewards rates on eligible purchases as the primary cardholder.

Select purchases up to $1,000 made with your Amex business card are covered up to 90 days after the purchase date if stolen or accidentally damaged by the card's purchase protection policy. The annual coverage limit is $50,000 per card account.

Protect company equipment longer with extended warranty protection through your Amex business card. The Blue Business® Plus Credit Card from American Express extends warranties on select purchases for up to one additional year past the original manufacturer’s warranty. Note that this benefit only applies to warranties that are five years or less.

Finance larger company purchases over time with no interest, thanks to the introductory offer included with The Blue Business® Plus Credit Card from American Express. Cardholders receive an intro APR of 0% on purchases for 12 months from date of account opening (followed by an APR of 13.24% - 19.24% Variable).

Using your The Blue Business® Plus Credit Card from American Express allows you to spend beyond the card’s spending limit when business expenses call for it. This doesn’t mean that you have an unlimited credit limit, but it can give you some freedom when you need to make larger purchases.

Paying bills with your card earns you rewards, helps with cash flow and allows for easy payment tracking — and you can do so online using Vendor Pay by Bill.com. The basic Vendor Pay plans carry no fees for the first user, though other fees may apply depending on the number of company users and the plan you choose.

How does The Blue Business® Plus Credit Card from American Express compare to other cards?

The Blue Business® Plus Credit Card from American Express is an excellent option for business owners who want to earn rewards without paying an extra fee each year, though other business cards could be a better fit. Here’s how it compares to a few of the best business credit cards:

The Blue Business® Plus Credit Card from American Express vs. American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card offers many of the same benefits as The Blue Business® Plus Credit Card from American Express, including the same rewards earning structure, an intro APR offer for purchases and No annual fee. The primary difference is the type of rewards it earns — cash back, redeemable for statement credits. If you prefer simple cash back to travel rewards, the American Express Blue Business Cash™ Card would be the better card for you.

The welcome bonus for the card is also much larger, but requires significantly higher spending.

How does it compare?

  • Annual fee: No annual fee (Same)
  • Welcome bonus: $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months (Better)
  • Rewards earned/$1 spent: $0.02 (Same)
  • Other benefits: Extended buying power, car rental loss and damage insurance and extended warranty and purchase protection (Same)

The Blue Business® Plus Credit Card from American Express vs. American Express® Business Gold Card

The American Express® Business Gold Card is geared towards business owners who frequently travel. The card offers several travel benefits not featured with The Blue Business® Plus Credit Card from American Express, including a 25% airline bonus rebate when you book flights using points (enrollment required). The card also comes with a huge welcome bonus offer worth roughly $700 when redeemed for travel.

How does it compare?

  • Annual fee: $295 (Worse)
  • Welcome bonus: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* (Better)
  • Rewards earned/$1 spent: $0.038 (Better)
  • Other benefits: 25% airline bonus (enrollment required), no foreign transaction fees, benefits from The Hotel Collection, baggage insurance, car rental loss and damage insurance and trip delay insurance (Better)

The Blue Business® Plus Credit Card from American Express vs. Chase Ink Business Cash® Credit Card

  • On Chase's Secure Website

Chase Ink Business Cash® Credit Card is another option to consider, especially if you like earning cash back for business purchases. Instead of straight 2X earning on purchases, Chase Ink Business Cash® Credit Card Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

A highlight that separates Chase Ink Business Cash® Credit Card from The Blue Business® Plus Credit Card from American Express is its hefty welcome offer. Business owners will Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. That’s an impressive bonus offer, especially considering there’s $0 annual fee to pay.

For the average cardholder, the Chase Ink Business Cash® Credit Card’s earning rate doesn’t compare with The Blue Business® Plus Credit Card from American Express’s 2X rewards rate. However, the Chase Ink Business Cash® Credit Card could be a good choice if you spend heavily in its earning categories. The card also gives you access to Chase Ultimate Rewards®, one of the most versatile credit card rewards programs on the planet.

How does it compare?

  • Annual fee: $0 (Same)
  • Welcome bonus: Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening. (Better)
  • Rewards earned/$1 spent: $0.013 (Worse)
  • Other benefits: Free employee cards, auto rental collision damage waiver, purchase and extended warranty protection, roadside dispatch and travel and emergency assistance. (Better)

Is The Blue Business® Plus Credit Card from American Express worth it?

The Blue Business® Plus Credit Card from American Express is a nice option for small business owners with expenses below $50,000, or those who plan to pair it with another business card to maximize reward earnings. The card’s simple rewards structure allows for easy tracking, but you may earn more rewards with a card that offers high rates that align with company expenses.

The Blue Business® Plus Credit Card from American Express won’t be a good fit if you want to earn rewards quickly through a huge welcome bonus. Plus, the best small business credit cards may offer more travel perks and other benefits that are lacking with The Blue Business® Plus Credit Card from American Express.

The Blue Business® Plus Credit Card from American Express FAQs

How do you get The Blue Business® Plus Credit Card from American Express?

You can apply for The Blue Business® Plus Credit Card from American Express online at AmericanExpress.com. You’ll be asked to provide personal and financial information during the application process to verify your identity. American Express will also perform a credit check to determine your eligibility for the card.

Does The Blue Business® Plus Credit Card from American Express have a foreign transaction fee?

The Blue Business® Plus Credit Card from American Express carries a foreign transaction fee of 2.7% of each transaction after conversion to US dollars.

Does The Blue Business® Plus Credit Card from American Express have free employee cards?

The Blue Business® Plus Credit Card from American Expressmembers may receive additional employee cards without extra annual fees. Employee cards earn the same rewards rates on purchases. Business owners can set spending limits on each employee credit card received.

What credit score is needed for The Blue Business® Plus Credit Card from American Express?

You’ll typically need Excellent/Good credit to qualify for The Blue Business® Plus Credit Card from American Express, or a FICO credit score of 680 or higher.

What is the best American Express Business Card?

All of the American Express business credit cards offer value and benefits geared towards small business owners. The best Amex business card will depend on your specific business needs and whether you’re OK with paying a fee each year.

Does American Express offer a welcome bonus for The Blue Business® Plus Credit Card from American Express?

With The Blue Business® Plus Credit Card from American Express, you’ll 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

What’s the credit limit on The Blue Business® Plus Credit Card from American Express?

The Blue Business® Plus Credit Card from American Express doesn’t have a preset spending limit. Amex sets spending limits based on your credit score, payment history, income and other factors. The card doesn’t come with unlimited spending, but does offer flexibility to spend past your credit limit as needed to make purchases.

The information related to The Blue Business® Plus Credit Card from American Express, American Express® Business Gold Card and The Business Platinum Card® from American Express has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply to American Express credit card offers. See americanexpress.com for more information.

The Capital One Spark Cash for Business card may no longer be available.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).