Terms apply. See rates & fees
The Blue Business® Plus Credit Card from American Express
Apply now for The Blue Business® Plus Credit Card from American Express at American Express's secure site Terms & restrictions apply. See rates & fees

Best for small businesses that spend under $50,000 each year

If you're just starting out with your small business (or side hustle), you may have some expenses that you'd like to maximize with a credit card but can't yet justify paying an annual fee on other business cards. That's where the Blue Business Plus card comes in. (Partner offer)

At a glance

  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
15,000 points
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.
29.24% Variable
13.24% - 19.24% Variable
0% on purchases for 12 months from date of account opening
No annual fee
  • 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.
  • 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.

At a glance

  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
15,000 points
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.
29.24% Variable
13.24% - 19.24% Variable
0% on purchases for 12 months from date of account opening
No annual fee
  • 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.
  • 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.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
Apply now for The Blue Business® Plus Credit Card from American Express at American Express's secure site Terms & restrictions apply. See rates & fees

Our Take

TPG Editor's Rating

tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5

Overview

Annual fees are not for everyone, and the Amex Blue Business Plus makes credit card rewards approachable for new business owners who can't justify adding yet another cost to their long list of expenses. With no annual fee, a simple rewards rate and access to the highly treasured Amex Membership Rewards program, you can then turn your rewards into travel, statement credits or more.

Pros

  • No annual fee
  • Earn Membership Rewards points
  • Transfer points to 22 airline and hotel partners

Cons

  • 2x points capped at $50,000 per calendar year; then 1x
  • No higher bonus categories for business-related spending

Who is this card good for?

This card is good for two groups of consumers. First, small business owners who have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own other Amex cards that earn Membership Rewards points and want a card with an everyday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year).

Earning Rewards

You’ll earn 2x on the first $50,000 spent per calendar year, then 1x.

Frequently asked questions

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