American Express Blue Business Plus Credit Card review

Blue Business Plus is the no-fee entry point to American Express Membership Rewards. It earns 2X points on the first $50,000 in eligible purchases each calendar year with no category restrictions, then 1X after that. Amex charges no annual fee for the card or for additional Employee Cards, and points from employee purchases go to the same account. Expanded Buying Power lets the business spend above its credit limit, with the amount adapting to how you use the card and pay it. The card makes the most sense for owners who already plan to redeem points for travel, since Membership Rewards points are a currency rather than fixed cash. Owners who simply want money back should compare it with the Wells Fargo Signify Business Cash card, which pays 2% cash with no yearly cap. Businesses that spend well over $50,000 a year will see the effective rate fall toward 1X, so a higher-fee card can earn more at that volume.

Who it is for

owners who want transferable points with no annual fee

Price

$0 annual fee.

Earn 2X points on the first $50,000 in eligible purchases per calendar year and 1X points thereafter, with no category restrictions and no annual fee.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• 2X Membership Rewards points on the first $50,000 in eligible purchases each calendar year, then 1X
• No category restrictions on the 2X rate
• Expanded Buying Power lets you spend above the credit limit, with a flexible amount
• No annual fee for additional Employee Cards, and their purchases earn points for the account
• Purchases on AmexTravel.com also earn 2X and do not count toward the $50,000

Strengths and weaknesses

• Strength: Earns Membership Rewards points rather than fixed cash back
• Strength: $0 annual fee for the card and for Employee Cards
• Strength: No categories to track on the first $50,000 of spend
• Weakness: Rate drops to 1X after $50,000 in a calendar year
• Weakness: Points are worth most when redeemed for travel, which takes more effort than cash back
• Weakness: The amount available above the credit limit is not fixed

Key facts

• Annual fee: $0
• Rewards: 2X points on first $50,000 a year, then 1X
• Employee Cards: No annual fee
• Rewards program: Membership Rewards

Where it ranks

American Express Blue Business Plus Credit Card is No. 3 in our Best Business Credit Cards verdict.