Running a small business and want a no-annual-fee card that still earns flexible travel points? The Amex Blue Business Plus is one of the most popular cards for exactly that. It pairs simple rewards with access to the American Express Membership Rewards ecosystem, all without a yearly fee.
This review breaks down the Amex Blue Business Plus fees, rewards, welcome offer, and perks in plain English, plus who the card fits best. If you run a business and pay your balance regularly, it may be one of the easiest cards to justify keeping.
Key Facts at a Glance
| Issuer | American Express |
| Network | American Express, usable where Amex is accepted |
| Annual fee | $0 |
| Intro APR | 0% on purchases for 12 months from account opening |
| Purchase APR | About 16.74% to 28.49% variable after intro |
| Rewards | 2X Membership Rewards on first $50,000/year, then 1X |
| Welcome bonus | 15,000 points after $3,000 spend in first 3 months |
| Foreign transaction | About 2.7% |
| Typical limit | No preset spending limit; reported lines average around $9,875 |
| Credit score | Typically good to excellent, around 670+ (720+ for best odds) |
| Reports to bureaus | Business card; generally not on your personal report unless you default |
All figures as of June 2026; confirm current terms with American Express.
What Is the Amex Blue Business Plus?
The Amex Blue Business Plus, officially The Blue Business Plus Credit Card from American Express, is a business credit card built for everyday company spending. It is designed for small business owners, freelancers, and side-hustlers who want to earn rewards on routine purchases. It runs on the American Express network, so acceptance follows wherever Amex is taken.
The big appeal is that it earns transferable Membership Rewards points with no annual fee. That combination is rare, since most cards that earn flexible points charge a yearly fee.
Amex Blue Business Plus Rewards
The rewards structure is simple. As of June 2026, the card earns 2X Membership Rewards points on the first $50,000 in eligible purchases each calendar year, then 1X after that. Points do not expire as long as the account stays open and in good standing.
Those points are valuable because they transfer to a range of Amex airline and hotel partners, where they can be worth more than a flat cash-back rate. For a business spending under $50,000 a year, that 2X on everything adds up quickly without any category tracking.
Amex Blue Business Plus Fees and APR
The headline is the $0 annual fee, which makes the card easy to keep year after year even in a slow stretch. There is no monthly or maintenance fee. As of June 2026, the card also offers a 0% intro APR on purchases for the first 12 months from account opening, which can help fund a large startup expense. After that, a variable APR applies, around 16.74% to 28.49% depending on your creditworthiness. One cost to note: as an Amex, it charges a foreign transaction fee of about 2.7%, so it is not ideal for spending abroad. Confirm the current intro length, APR, and fees on the American Express website before applying.
Welcome Offer and Perks
As of June 2026, the standard public welcome offer is 15,000 Membership Rewards points after you spend $3,000 in eligible purchases in the first 3 months. Targeted higher offers sometimes appear for select customers, so it is worth checking what Amex shows you before applying.
A standout feature for businesses is Expanded Buying Power, which lets you spend above your credit limit on qualifying purchases (the amount adjusts with your use of the card and is not unlimited), so there is no single preset spending cap. You also get employee cards, expense management tools, and Amex purchase protections. Terms and conditions apply.
Approval and Credit Limit
You generally need good to excellent personal credit to qualify, with reported approvals starting around a 670 score and the best odds and highest starting lines going to applicants above 720. Amex typically checks the owner's personal credit for a business card. There is no preset spending limit, but reported revolving lines average around $9,875, with income and overall profile driving the figure. As a business card, it generally does not appear on your personal credit report unless the account goes into serious default, so it builds business rather than personal credit.
Who Should Consider the Amex Blue Business Plus?
The card fits business owners who want a no-fuss option that earns flexible points on all spending, especially businesses that spend under $50,000 a year and want travel rewards without an annual fee. If you are weighing your options, monitoring tools like Creditship.ai can help you see where your credit stands before you apply.
How It Compares
Against other business cards, the Amex Blue Business Plus stands out for earning transferable points with no annual fee. Many competing cards either charge a fee or earn only cash back that cannot be moved to airline and hotel partners. The trade-off is that the rate drops to 1X after $50,000 in annual spend, so higher-volume businesses may prefer a card with category bonuses, such as the Amex Business Gold Card and its 4X top-two categories, which can out-earn the flat 2X once spending concentrates in advertising, software, or gas. For most small businesses, the flat 2X is hard to beat at this price.
Tips for Getting the Most From the Card
Put routine business expenses on the card to reach the $50,000 2X cap efficiently, and pay the balance in full to avoid the post-intro APR of up to 28.49%. Use the 0% intro APR window wisely if you have a planned large purchase, and have a payoff plan before the regular APR kicks in. Always confirm current terms with American Express before you apply.
Is the Amex Blue Business Plus Worth It?
For most small business owners with solid credit, the Amex Blue Business Plus is a strong keeper. The no annual fee, flat 2X points, and access to transferable Membership Rewards make it easy to hold long term. If your business spends heavily in specific categories, a card with bonus categories might earn more, but as a simple, low-cost foundation card it is tough to beat.
If You Need to Build Personal Credit First
Because Amex checks the owner's personal credit, a thin or rebuilding file can be the thing standing between you and approval. If you are a freelancer or founder whose personal credit is still rebuilding, our guide to business cards with bad-credit approval covers secured and personal-guarantee options too. A card that reports to all three bureaus can help you reach the good-credit range first. The Self Visa® Credit Card pairs a savings plan with a secured card, so you build payment history and a small cash cushion at once, which is useful for a founder strengthening a personal file.
Already in the good-credit range and want a flat-rate everyday card with no annual fee? The Robinhood Gold Card earns 3% unlimited cash back on every purchase with no foreign transaction fee, which can complement the Amex on personal spending or abroad. It is available to Robinhood Gold members through your Robinhood brokerage account.
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Whichever you choose, pay in full and keep utilization low so interest and balances never undercut your rewards. For free credit monitoring while you build, Creditship.ai can help you track your score. Terms and conditions apply, and APRs vary by creditworthiness.
Frequently Asked Questions
Does the Amex Blue Business Plus have an annual fee?
No. As of June 2026, the Amex Blue Business Plus has a $0 annual fee and no monthly fee, which makes it easy to keep year after year even during slower business periods. Note it does charge a foreign transaction fee of about 2.7%.
How many points does the Amex Blue Business Plus earn?
It earns 2X Membership Rewards points on the first $50,000 in eligible purchases each calendar year, then 1X after that. Those points transfer to a range of Amex airline and hotel partners and do not expire while the account is open and in good standing.
What is the welcome offer on the Amex Blue Business Plus?
As of June 2026, the standard public offer is 15,000 Membership Rewards points after spending $3,000 in eligible purchases in the first 3 months. Targeted higher offers sometimes appear, so check what Amex shows you. Confirm the current bonus before applying.
What credit score do you need for the Amex Blue Business Plus?
You typically need good to excellent personal credit, with reported approvals starting around a 670 score and the best odds above 720, since American Express usually checks the business owner's personal credit. Building a strong personal credit history first, with a card like the Self Visa® Credit Card, can improve your chances of approval.
