Skip to content

Why the Amex Blue Business Plus may be the only rewards card you’ll ever need

Nov. 10, 2020
5 min read
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

As of this writing, I have well over a dozen credit cards in my wallet. Most of these cards offered me a hefty welcome bonus when I applied for them. The majority continue to offer valuable travel benefits and high category bonuses. Yet, the best card in my card arsenal is a $0 annual fee card (see rates and fees). I'm talking about The Blue Business® Plus Credit Card from American Express. Here's why this might be the only credit card you need in your wallet.

New to The Points Guy? Sign up for our daily newsletter and check out our beginner’s guide.

4% return on everything

The Blue Business Plus card does offer 2x Membership Rewards points on the first $50,000 spent on purchases per calendar year, then 1x after. TPG values Membership Rewards at 2 cents each, translating to a 4% return. That's hands down the highest return you can get on non-bonus category spending.

While the $50,000 cap on 2x earnings might be restrictive to big spenders, it will be more than enough for the average cardholder to really maximize everyday spending. It's also ideal for those who don't want to have multiple credit cards in their wallets and worry about which one to use at different merchants to maximize their rewards.

If you manage to max out the $50,000 spending cap, you'll end up with 100,000 Membership Rewards points. If you're unfamiliar with the Membership Rewards program, these points will go a long way. We're talking a round-trip business class ticket to Europe by transferring your points to ANA Mileage Club.

Related: How to redeem American Express Membership Rewards for maximum value

No annual fee

The Blue Business Plus Card is loaded with valuable benefits. But the best part of that is that it has no annual fee (see rates and fees), so you're not paying for those benefits. There are lots of amazing rewards credit cards out there, but most people can't afford all their annual fees. With the Blue Business Plus Card, it's easy to justify keeping the card in your wallet long term.

Refer a friend

You can earn 10,000 bonus points after spending $3,000 within three months by using a friend's referral link.

Better yet, you can earn bonus points for referring your friends and family. Normally, each successful referral earns 10,000 points (up to 55,000 per calendar year). However, that bonus has temporarily bumped up to 15,000 points.

Sign up for our daily newsletter

So if you have a friend (or four) interested in the Blue Business Plus card, you can earn up to 55,000 points every calendar year just by having them apply for the card with your referral link. That's similar to the welcome bonus you can expect on many popular rewards cards - except you get a chance to earn it every year.

To do this, simply head over to the Amex Referral site, login and invite your friends to apply for the card with your link.

Related: 4 easy strategies I use to earn over 500,000 points and miles a year

Amex offers

Amex Offers is a great tool for saving money and offsetting credit card annual fees. But you don't need a fancy Amex card to get access to these offers because the Blue Business Plus Credit Card does the trick. Since the card has no annual fee, you'll essentially profit from having it in your wallet if you also take advantage of Amex Offers. This year, I've saved $307.17 via Amex Offers just from the Blue Business Plus Credit Card alone.

(Screenshot courtesy of

Amex frequently updates the list and runs everything from rebate deals to bonus point offers. This includes promotions with popular retailers like Amazon, Target, Walmart and more. Some deals are even targeted based on your spending habits. You're bound to find at least one deal a year at a merchant you shop with. When you do get a statement credit, it puts you firmly ahead since you're not paying an annual fee on the card.

Related: How to stack Amex Offers for cash back and bonus points

Bottom line

The Amex Blue Business Plus card is hands down one of the best cards to have if you want to earn maximum rewards. It earns one of the most valuable currencies out there, gets you access to money-saving deals from Amex and you don't have to worry about tracking category bonuses. Since it has no annual fee, renewing it every year is a no-brainer. In fact, if you're a frugal type who wants a simple credit card strategy, this might be the only card you actually need.

For rates and fees of the Blue Business Plus card, click here.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers