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, 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.
What Is the Amex Blue Business Plus?
The Amex Blue Business Plus is a business credit card from American Express built for everyday company spending. It is designed for small business owners, freelancers, and side-hustlers who want to earn rewards on routine purchases.
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 Amex Blue Business Plus earns 2x Membership Rewards points on the first $50,000 in purchases each calendar year, then 1x after that.
Those points are valuable because they transfer to nearly two dozen Amex airline and hotel partners. For a business spending under $50,000 a year, that flat 2x rate on everything can add up quickly without any category tracking.
Amex Blue Business Plus Fees and APR
The headline here is the $0 annual fee, which makes the card easy to keep year after year. There is no cost to hold it even in a slow business year.
The Amex Blue Business Plus also comes with a 0 percent intro APR on purchases for a limited time, which can help with a large startup expense. After the intro period, a variable APR applies, and APRs vary by creditworthiness. Check the American Express website for the current intro length and rate before applying.
Welcome Offer and Perks
The card has historically offered a welcome bonus after meeting a spending requirement in the first few months. As of June 2026, the public offer has been 15,000 Membership Rewards points after spending $3,000 in the first 3 months, though offers can change, so confirm the current bonus on Amex's site.
Beyond rewards, cardholders get business tools like expense management features, employee cards, and Amex purchase protections. Terms and conditions apply.
Who Should Consider the Amex Blue Business Plus?
The Amex Blue Business Plus fits business owners who want a no-fuss card that earns flexible points on all spending. It is especially strong for businesses that spend under $50,000 a year and want travel rewards without an annual fee.
You generally need good to excellent personal credit to qualify, since Amex typically checks the owner's credit for a business card. If you are weighing your options, monitoring tools like Creditship.ai can help you understand where your credit stands before you apply.
How the Amex Blue Business Plus 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 transferred to airline and hotel partners.
The trade-off is that the rewards rate drops to 1x after $50,000 in annual spend. Higher-volume businesses may want a card with category bonuses, but 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 that 2x cap efficiently, and pay the balance in full to avoid interest. Track your spending so you know when you approach the $50,000 threshold.
Use the 0 percent 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 justify holding 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. APRs vary by creditworthiness, and terms and conditions apply.
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, which makes it easy to keep year after year even during slower business periods.
How many points does the Amex Blue Business Plus earn?
It earns 2x Membership Rewards points on the first $50,000 in purchases each calendar year, then 1x after that. Those points transfer to a range of Amex airline and hotel partners.
What credit score do you need for the Amex Blue Business Plus?
You typically need good to excellent personal credit, since American Express usually checks the business owner's credit. Building a strong personal credit history first can improve your chances of approval.
Is the Amex Blue Business Plus good for a new business?
It can be, thanks to the no annual fee and intro APR offer. New owners should confirm they meet Amex's credit requirements and have a plan to pay off any intro-APR balances before the regular rate applies.
