A long-term keeper: Why the Blue Business Plus remains firmly in my wallet
I've been collecting points and miles on travel credit cards for nearly two decades, and I hear a common refrain when talking with friends and family members about the topic. "Why would I ever pay an annual fee on a credit card?"
Longtime readers know the answer to this question, but I still find that so many just can't get past the idea of paying for a credit card.
Thankfully, there are plenty of great no-annual-fee cards out there — and for small-business owners, there's one that stands above the rest: The Blue Business® Plus Credit Card from American Express (see rates and fees).
Here's why this card remains firmly in my wallet.
Flexible Membership Rewards points
Many card issuers allow you to pool your points when you have multiple cards in their respective ecosystems. However, this usually means that your no-annual-fee options require higher-end cards to maximize their value. Case in point:
- Rewards from cards like the Chase Freedom Unlimited® (see rates and fees) and Ink Business Cash® Credit Card (see rates and fees) can only be transferred to partner programs if you have a higher-end card like the Chase Sapphire Preferred® Card (see rates and fees) or Ink Business Preferred® Credit Card.
You're limited to cash-back redemption options if you don't have a higher-tier card.
That is not true for the Blue Business Plus.
The information for the Ink Business Preferred has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Even if it's the only American Express card you have in your wallet, you're earning 2 Membership Rewards points per dollar spent (on up to $50,000 in spending each year, then 1 point per dollar). And these are fully flexible Membership Rewards points. You can use them for flights, hotels and rental cars via American Express Travel, but my favorite redemption option is transferring them to Amex's 21 airline and hotel partners.
The top options for me include:
- Air Canada Aeroplan, which I've used to book Star Alliance awards
- British Airways Executive Club, which I've used to book short-haul American Airlines flights or Iberia flights in business class to Europe
- Virgin Atlantic Flying Club, which I've used to book a variety of partner airlines
I've even topped up my Delta Air Lines SkyMiles account when I was just a bit shy of a specific redemption, though this did incur Amex's frustrating fee to offset federal excise taxes on the transfer (0.06 cents per point, up to a maximum of $99).
For more suggestions, check out our guide to maximizing Amex Membership Rewards points.
Related: 7 reasons why the Amex Blue Business Plus Card should be in everyone’s wallet
No annual fee
As mentioned before, the Blue Business Plus incurs no annual fee (see rates and fees). This means there's no cost to your small business every year. With 2 points per dollar spent (on up to $50,000 per year), you're getting the equivalent of 4% back on purchases (based on TPG's most recent valuations) — that's a fantastic rate of return.
Note that the card does impose foreign transaction fees (see rates and fees) when used outside the U.S. As a result, this isn't a good option when traveling abroad.
Read more: 7 reasons you should get (and keep) a no-annual-fee credit card
And the fact that this card doesn't have an annual fee makes this next perk even more noteworthy.
Valuable Amex Offers
I am a huge proponent of regularly checking your credit card accounts for discounts and bonus offers that must be activated before making a purchase. And the Amex Offers platform is among the most valuable on the market.
In 2023, here's just a sampling of the offers I used on my Blue Business Plus:
- $60 back on a monthly YouTube TV subscription ($20 back, up to three times)
- $75 back on a $300 purchase at a Hyatt Centric in New York City
- $10 back on a $75 purchase at Office Depot
- $44 back on a $221 stay at a Residence Inn
- $75 off a $300 purchase at a Kimpton hotel
- $100 off $536 in purchases at Lowe's
- $14 off $137 in purchases at FedEx Office
- $60 off my $120 annual renewal of Dropbox
- 2,500 bonus Amex points for purchases at amazon.com
In all, I received over $645 in statement credits plus an additional 2,500 Amex points (valued at $50). That's nearly $700 of added value, all on purchases I was already making.
How well it plays with others
If you're only looking for a small-business card with no annual fee, the Blue Business Plus is a fantastic option. However, there's something to be said about pairing it with other Amex cards to amplify your earning opportunities.
For example, I also have the personal American Express® Gold Card, which awards 4 points per dollar at U.S. supermarkets (on up to $25,000 in purchases each year, then 1 point per dollar) and 4 points per dollar at restaurants worldwide (on up to $50,000 in purchases per calendar year, then 1 point per dollar).. I'll use the Gold card for those purchases, but then the Blue Business Plus can cover a variety of other purchases that don't fall into traditional bonus categories.
And since the Amex Gold does not impose foreign transaction fees (see rates and fees), it's a great option for trips outside the U.S.
I also hold The Platinum Card® from American Express, and while I don't use it frequently for spending, I do value the array of perks on the card — including extensive lounge access and luxury hotel perks.
The other great thing is that your Membership Rewards points from multiple Amex cards (including consumer and business cards) get pooled when you add them to a single online account. As a result, there's no need to worry about managing multiple logins and separate balances.
Read more: American Express Membership Rewards: The ultimate guide
Current welcome offer
If you don't currently have the Blue Business Plus, it's worth noting that you can currently earn a welcome bonus of 15,000 Membership Rewards points after spending $3,000 on purchases on your card in your first three months. This isn't a wildly lucrative offer, but the card has gone through long stretches in the past with no welcome bonus. As a result, if you've been waiting to apply, now is a great time to do so.
Just be aware of Amex's once-per-lifetime policy on welcome bonuses, and be sure you've read through our guide to application restrictions so you're aware of potential roadblocks. And note that you may not need a formal business to get approved — I was approved years ago using just my Social Security number as a sole proprietor.
Related: How to get a business credit card
Bottom line
I am a huge fan of the Amex Blue Business Plus card. With 2 points per dollar spent on all purchases (up to $50,000 per year) along with an array of lucrative Amex Offers and easy pairability with other Amex cards, the Blue Business Plus has a long-term spot in my wallet.
With the current welcome offer, now could be a fantastic time to add the card to your arsenal — and start earning valuable Membership Rewards points for your small business.
To learn more about the card, read our full review of the Blue Business Plus.
Apply here: Blue Business Plus card with a 15,000-point welcome bonus
For rates and fees of the Amex Blue Business Plus, click here.
For rates and fees of the Amex Gold, click here.
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.