Amex Blue Business Plus Credit Card – Reviewed

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There’s aren’t many credit cards that I consider to be “must-have” cards for any serious miles and points fan but the Blue Business Plus Credit Card from American Express is one of them. This card comes with no annual fee and is one of the more rewarding cards you’ll find for spending in non-bonused categories.

The Blue Business Plus Credit Card From American Express

In Brief

Points-earning credit cards don’t come much more basic than this but this is still a card that can genuinely enhance a credit card portfolio thanks to the fact that it costs nothing to hold and it offers a better return on spending in numerous categories than most other points earning cards.

In Detail

Here’s what you need to know about the Blue Business Plus Credit Card From American Express:

Annual Fee:

  • $0 (zero)

Cost of Employee Cards:

  • $0 (zero)

Current Welcome Bonus:

  • There is no welcome bonus being promoted at the time of writing but targeted offers are available from time to time.


  • 2 Membership Rewards Points/dollar on all spending up to a limit of $50,000/year*

*Any spending above $50,000 will earn 1 point/dollar

Other Key Benefits:

  • Transfer points to a variety of airline and hotel loyalty programs (more details here)
  • Set spending limits on employee cards
  • Access to Amex Offers

Why This Is A Great Card

You may be looking at the information above and wondering why I’m such a big fan of this card, but the answer to that is simple – it offers a better than average rate of return in spending categories where most other points-earning cards offer nothing more than a point/dollar.

To show you what I mean I’m going to use my own valuations of Amex Membership Rewards Points, Chase Ultimate Rewards Points and Citi ThankYou Points which I have based on what value I know I can get out of each them without much effort at all:

  • Amex Membership Rewards Points = 1.5 cents/point
  • Chase Ultimate Rewards Points = 1.5 cents/point
  • Citi ThankYou Points = 1.5 cents/point

Note: Those values are probably at the lower end of a lot of people’s valuations but I prefer to be prudent rather than overly optimistic.

With an earning rate of 2 points/dollar on all spending (up to $50,000) and at a valuation of 1.5 cents/point, the Blue Business Plus Credit Card offers an effective rebate of 3 cents/dollar or 3%.

That cannot compete with the likes of the Platinum Card from American Express, the Chase Sapphire Reserve Card and the Amex Green Card if the spending is being made on airfare (Platinum Card) or general travel and worldwide dining (Sapphire Reserve & Amex Green) but those aren’t the only categories that people spend in.

When it comes to spending at…

  • Drugstores
  • Department stores
  • Clothes stores
  • Hardware stores
  • Electrical supply stores
  • Home improvement stores
  • Car valeting centers
  • Wine merchants
  • Movie theatres
  • Sports events
  • Music events

…and a whole host of other places, most Amex/Chase/Citi points-earning credit cards will only offer 1 point/dollar or a 1.5% effective rebate.

The Blue Business Plus Credit Card offers double that.

On top of all that it’s important to remember that the Membership Rewards Points that the Amex Blue Business Plus Credit Card earns can be transferred over (in a 1:1 ratio) to loyalty programs like…

  • Aeroplan
  • Flying Blue
  • British Airways Executive Club
  • Delta SkyMiles
  • Singapore KrisFlyer
  • Hilton Honors
  • Marriott Bonvoy

…where it’s likely that, with a little bit of effort, the overall returns from the points will be greater than 3%.

That’s pretty good going for a card that costs nothing to hold.

Bottom Line

The cards that usually get the most publicity are the ones that offer great returns on spending in “sexy categories” like travel and dining, but in the real world a lot of people do a lot of their spending in categories where most cards don’t offer a bonus…and that’s where the super-simple (and free!) Blue Business Plus Credit Card comes in to play.

The key to a solid miles and points strategy is to have all your bases covered when you’re spending so that you’re almost never having to use a card that only earns 1 point/dollar (1% – 1.5% effective rebate).

To help achieve that aim the Blue Business Plus Credit Card from American Express is an invaluable free tool that you should almost certainly have in your wallet – I do.

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