American Express · Amex
Blue Business Plus
Earning transferable points on all business spending
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.
No annual fee
Why people consider it
- 2x on everything (first $50,000/yr, then 1x).
- Points transfer to 8 airline and hotel partners.
- 2x everything else + 2x groceries.
Elevated welcome offer
Above the recent 15,000 points offer (about $225)
Current: 50,000 points
Recent typical offer: 15,000 points
Current offer is 233% higher than recent typical offers.
Welcome offer: 50,000 points≈ $750 at our typical valuation
Requirement: Spend $5,000 in 3 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: As high as 50,000 Membership Rewards points after $5,000 spend in 3 months — the amount varies by applicant (Amex shows yours before you accept the card; one reviewer received 15,000 for the same spend); the prior public offer was 15,000 after $3,000. Verified 2026-10-28 on the Amex product page.
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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Is this card worth it?
Ongoing value
$1,614/year
for the sample household ($4,800/month) · points at typical value
First-year value
$2,364 first year
Includes: +$750 welcome offer (50,000 points at our typical value)
$750 is one-time. $1,614/year is ongoing.
To earn the bonus: spend $5,000 in 3 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Drops to 1x after $50k/yr Points less useful without a premium Amex card
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
All eligible purchases — first $50,000/yr combined, then 1x
Flights and prepaid hotels booked on amextravel.com earn 2x without counting toward the $50,000 pool
Point value: ~1.5¢ each
Optional benefits and credits
Perks (not counted in our math)
Spend beyond your credit limit when needed
Targeted statement credit offers at popular merchants
Redemption and transfer information
Points transfer to 8 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
A business product: issuers expect business purchases (sole proprietors and freelancers qualify with an SSN).
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on American Express's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
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
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
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.