Amex Blue Business Plus
American Express
Welcome Offer
The link opens on the Platinum Card first. Use the Amex page to view currently eligible personal and business cards. Not every Amex product is necessarily included, and offers and eligibility may vary. The referrer may receive a reward if you are approved; this does not influence OpenCard's evaluation.
Full referral termsOur take
A useful no-fee Membership Rewards card for small businesses that want transferable points on routine purchases. The elevated base earning is most valuable within its annual spending limit; above that level, the opportunity cost may rise. It is a strong foundation card, not a premium travel-benefits product.
Best for
- ✓ Small businesses building Membership Rewards
- ✓ Owners with moderate uncategorized spend
- ✓ Businesses wanting to preserve Amex points without an annual fee
Not ideal for
- — Companies far above the enhanced earning cap
- — Cash-back-only owners
- — Businesses needing lounge access or extensive travel protections
Conservative break-even test
Compare point value with the cash earned by a no-fee business card, using a conservative redemption rate. Calculate spending above the enhanced-rate cap separately instead of applying the headline rate to the full year.
First year vs. ongoing year worksheet
For year two, remove the one-time welcome offer entirely. To recover a $0 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $0 in eligible annual spend before counting credits you would genuinely buy anyway.
Data reviewed 2026-05-11. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.
Earning Rates
Insurance
Application Rules
Sources
- https://www.uscreditcardguide.com/amex-blue-business-plus/
- https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue-business-plus-credit-card-amex/
Last Updated: May 11, 2026