American Express · Amex
Blue Business Plus
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN). It never competes in our consumer rankings — see the business ranking instead.
Annual Fee
$0
Sign-Up Bonus
$225
Current offer shown; issuer determines eligibility.
Spend $3,000 in 3mo
Terms apply.
Base Rate
1x
on everything
Best For
Earning transferable points on all business spending
Sign-Up Bonus
Bonus: 15,000 points
Details: 15,000 Membership Rewards points after $3,000 spend in 3 months
Requirement: Spend $3,000 in 3 months
Estimated value: $225Terms apply. Current offer shown; issuer determines eligibility.
Reward Categories
2x Membership Rewards on all purchases up to $50,000/yr, then 1x
Cap: $50,000/yr
Point value: ~1.5¢ each
Key Benefits
Perks (not counted in our math)
Spend beyond your credit limit when needed
Targeted statement credit offers at popular merchants
Pros & Cons
Pros
- + No annual fee
- + 2x MR points on everything (up to $50k) — worth ~4¢ per $2 spent
- + Full Amex transfer partner network — 20+ airlines and hotels
- + Simple flat rate, no categories
- + Gateway card to Amex ecosystem
Cons
- - Drops to 1x after $50k/yr
- - Points less useful without a premium Amex card
- - Requires Amex acceptance
- - Modest sign-up bonus
Transfer Partners
Points transfer to 8 airline and hotel partners — often where the highest redemption values live.
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.