This Great No Annual Fee Card Now Comes With A 15,000 Point Welcome Bonus

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The Blue Business® Plus Credit Card From American Express is a favorite card of mine and it’s a card that rarely leaves my wallet. Now and a little unusually, this card is awarding new cardholders a 15,000 point welcome bonus when they meet a set spending target in the first three months of card membership at that just makes an already great card even better.

The Blue Business Credit Card From American Express

Annual Fee


  • 2 Membership Rewards points per dollar on the first $50,000 in purchases each year (for all spending categories)
  • 1 Membership Rewards point per dollar on all other spending.

Headline Benefits

Apart from the usual insurances and protections that come with a lot of Amex cards, the Blue Business Credit Card from American Express doesn’t offer much in the way of “benefits” – the key to this card is its ability to reward cardholders in situations where most other cards will not.

The Welcome Offer

The Blue Business® Plus Credit Card From American Express doesn’t often come with a welcome bonus but right now the card is offering successful new applicants 15,000 Membership Rewards Points if they spend $3,000 in the first 3 months of card membership (more details).

Using my valuation of MR points (1.5 cents each – based on the value that I know I can get out of them with little effort), this is a bonus that’s effectively worth $225 and that’s pretty fantastic when you consider the fact that the Blue Business® Plus Credit Card From American Express doesn’t charge an annual fee.


This isn’t the highest welcome bonus that we’ve seen this card offer (I received 20,000 bonus points when I applied for this card back in 2019) but this is still one of the higher ones that we’ve seen and it’s an offer that’s well worth having…especially as this can be an incredibly useful card to hold.

With an earning rate of 2 points/dollar on all spending up to $50,000 (terms apply) and my earlier valuation of 1.5 cents/point, the Blue Business® Plus Credit Card offers an effective rebate of 3 cents/dollar or 3% on spending in places where most other cards offer considerably less.

If a cardholder is spending on airfare, on general travel, on dining, or at grocery stores, there are a variety of better cards that they can use for spending in those categories (although most of these “better” cards also charge an annual fee), but it’s important to remember that those aren’t the only categories that people are likely to 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, at best, a 1.5% effective rebate. The Blue Business Plus Credit Card offers double that.

On top of this, 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, Delta SkyMiles, and the British Airways Executive Club and that by transferring points to these programs, it’s likely that the overall effective return from the Blue Business® Plus credit card will be greater than 3% – That’s pretty amazing for a card that doesn’t charge an annual fee (rates & fees).

Bottom Line

With no annual fee to pay, an effective rebate of 3% on all spending, and access to Amex offers there really isn’t anything to dislike about the Blue Business® Plus credit card and now, for what is almost certainly only going to be a limited time, this card is offering new cardholders an opportunity to earn an extra 15,000 Membership Rewards points as well.

If you need to add a card to your portfolio that will boost your earnings in situations where other cards offer a poor return, now may be a good time to consider the Blue Business® Plus Credit Card From American Express.



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