Pros & Cons

Pros

  • +Welcome Bonus: 15,000 points
  • +Purchase protection included
  • +No annual fee

Cons

Our Review

Amplify Everyday Business Spend with the American Express Blue Business Plus™ Card

  • 2X Membership Rewards® points on all eligible purchases (up to $50,000 per calendar year)
  • 1X point on purchases thereafter
  • No annual fee
  • Expanded Buying Power lets you exceed your credit limit when you need extra flexibility
  • Up to 99 employee cards at no additional cost, each with customizable spending controls

Perfect for growing businesses, this card turns routine expenses—office supplies, travel and client entertainment—into valuable Membership Rewards®. Earn accelerated points on your first $50,000 in spend each year, then continue earning at a flat rate. Enjoy the freedom to adapt your spending limit as your needs evolve, and track all activity easily in the AmEx Business app.

Terms apply. 2X points on up to $50,000 in purchases per calendar year, then 1X. Expanded Buying Power adjusts based on credit, purchase, payment history and other factors. See issuer for complete details.

Rewards

All Spending

2x

American Express Membership Rewards pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.50¢
Groceries2x
$700/mo
Gas & EV2x
$200/mo
Transit2x
$100/mo
Restaurants2x
$300/mo
Pharmacy2x
$50/mo
Travel2x
$150/mo
Bills & recurring payments2x
$250/mo
Telecom2x
$150/mo
Entertainment & streaming2x
$100/mo
Office supplies2x
$0/mo
All other spending2x
$500/mo

Points Earned

60,000

American Express Membership Rewards/yr

Estimated Value

$600

After Fees

+$600

1st Year Value

$750

incl. welcome bonus

Breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas & EV$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 2x1,200 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 2x6,000 pts
Telecom$1,800/yr × 2x3,600 pts
Entertainment & streaming$1,200/yr × 2x2,400 pts
All other spending$6,000/yr × 2x12,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year2x
Total points earned60,000 pts
Value of points accumulated in the first year$600

Additional Benefits

Global Assist Hotline: available 24/7 for coordination and assistance with services such as lost passport replacement assistance, translation services, missing luggage assistance and emergency legal and medical referrals while traveling more than 100 miles from home; the coordination and assistance services are offered at no additional charge, but Card Members are responsible for the costs charged by third-party service providers (Global Assist Hotline Benefit Guide). Expanded Buying Power; Amex Offers; Employee Blue Business® Plus Credit Cards at no annual fee; Connect to QuickBooks®; Account Manager; Year-End Summary; Online Statements; Vendor Pay by BILL. Travel benefits: Car Rental Loss and Damage Insurance; Global Assist® Hotline.

Purchase Protection

Purchase Protection

Up to $1,000 / 90 days

Extended Warranty

+1 years

Auto Rental Collision (secondary)

Up to $50,000 / 30 days

View the insurance certificate (PDF)

Terms & Conditions

Card Features

  • 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.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% – 27.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • 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.
  • You’ve got the power to spend beyond 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.
  • No Annual Fee
  • Terms Apply.

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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 American Express. All trademarks are property of their respective owners.