The American Express Blue Business Plus Review
The American Express Blue Business Plus Is Not a Perks Card.
It doesn’t come with airport lounge access.
It doesn’t offer statement credits.
It doesn’t try to impress you with lifestyle benefits.
Instead, it does one thing extremely well:
It earns 2x Membership Rewards points on everyday spending, with no annual fee.
And that makes it one of the most efficient long-term cards in the American Express ecosystem.
Let’s break down exactly how this card works, what it offers, and who should consider adding it to their strategy.
👉 Apply for the American Express Blue Business Plus here
👉 Or see all my recommended cards here: Best Credit Card Offers Page
This post may contain affiliate links. If you apply through my links, I may receive a commission at no extra cost to you. I only recommend cards I personally use or believe provide real value.
Watch: Full Blue Business Plus Breakdown
If you’d rather watch the full strategy breakdown, including real examples of how I use this card and how it fits into a Membership Rewards setup, then click into the video below. I walk through everything step-by-step in this video:
Amex Blue Business Plus: The $0 Fee 2x Points Card
If you find it helpful, make sure you’re subscribed. I break down credit card strategy, travel redemptions, and how to build a points system that actually works long term.
The Basics
Annual Fee: $0
Rewards Program: American Express Membership Rewards
Current Welcome Offer: Typically 15,000–50,000 Membership Rewards points after meeting minimum spend (offers vary)
This card earns:
2x Membership Rewards on all eligible purchases (up to $50,000 per calendar year)
1x points after $50,000
There are no bonus categories to track.
No rotating categories. No enrollment requirements. No coupon credits.
Just 2x on everything.
Why This Card Is So Powerful
Most premium cards only earn 1x on everyday spending. The Blue Business Plus solves that problem.
Instead of earning 1 point per dollar on:
Gas
Insurance
Utilities
Advertising
Random business expenses
Non-bonus personal spend
You earn 2x on everything!
And because it earns Membership Rewards, those points combine with:
This is what makes it powerful. It turns your entire ecosystem into a 2x minimum earning structure.
Welcome Offer: Nice, But Not the Main Event
The BBP occasionally offers a modest welcome bonus.
But this is not a “get it for the bonus” card.
This is a long-term keeper card.
The real value comes from:
2x earning
No annual fee
Strengthening your Membership Rewards strategy
If you plan to hold Amex cards long term, this is one of the smartest foundational pieces.
Check current offers for the Amex Blue Business Plus here.
No Annual Fee: Let’s Talk Net Cost
There is no annual fee.
That immediately makes this card different from your Amex Platinum and Gold cards.
You don’t have to justify credits.
You don’t have to break even.
You don’t have to calculate lifestyle math.
If it earns more than 1x on spend you’d make anyway, it’s a win.
What the Blue Business Plus Actually Offers
The power of this card is simplicity.
It offers:
2x points on everything (up to $50,000 annually)
Expanded buying power (no preset spending limit)
Ability to keep Membership Rewards alive long-term
Access to Amex Offers
That’s it. And that’s actually really powerful.
Membership Rewards: Why This Matters
The Blue Business Plus earns Membership Rewards points, the same transferable currency used across American Express personal and business cards.
Points can be transferred to airline and hotel partners including:
Aer Lingus
Aeromexico
Air Canada Aeroplan
ANA
Avianca Lifemiles
British Airways
Cathay Pacific
Delta
Emirates
Etihad
Flying Blue
Iberia
JetBlue
Qantas
Qatar
Singapore KrisFlyer
Virgin Atlantic
Hilton
Choice Privileges
Marriott
So when you earn 2x on everyday business spending, you’re effectively earning:
2x transferable airline miles.
That’s extremely strong for a $0 annual fee card.
What Cards Pair Well With the Blue Business Plus?
The Amex Blue Business Plus is rarely the headline card in a wallet.
It’s the infrastructure.
Because it earns 2x Membership Rewards on broad spending, it works best when paired with cards that specialize in high-value categories or premium benefits.
Think of it as the base layer in a Membership Rewards strategy.
Here’s how it fits.
With the Amex Platinum
The Amex Platinum earns 1x on most spend.
The Amex Blue Business Plus card earns 2x.
Together, they eliminate the weak earning categories, and you get all of the premium benefits of the amex platinum.
👉 Read my Amex Platinum review here.
With the Amex Gold
The Amex Gold earns 4x on dining and groceries.
The Amex Blue Business Plus earns 2x on everything else.
That’s a clean, efficient two-card setup to maximize your membership rewards earnings on all spend.
👉 Read my Amex Gold review here.
With the Business Platinum
The Amex Business Platinum gives you premium benefits and a 35% Pay With Points rebate.
The Amex Blue Business Plus fuels the points at 2x, which compliments the Amex Business Platinum perfectly.
Together, they form a strong business-owner strategy to maximize your membership rewards balance.
👉 Read my Business Platinum review here.
Who Should Get the Blue Business Plus?
This card is ideal for:
Small business owners
Side hustlers
Freelancers
Online sellers
Content creators
Anyone with legitimate business expenses
You do not need a formal LLC or corporation. Many sole proprietors qualify for business credit cards.
You can check out my youtube video here where I talk about who can qualify for a business credit card and how to fill out the application.
If you have any type of side income, this card is often accessible.
It is especially powerful for:
People building the Membership Rewards ecosystem
Households that already have an Amex Platinum or Gold
Anyone wanting a no-annual-fee 2x card
Apply for the Amex Blue Business Plus card here.
What This Card Is Not
The Blue Business Plus is not:
A luxury perks card
A lounge access card
A premium travel perks card
A card with statement credits to offset spending
A personal card (it is a business card)
How I Think About This Card
The Blue Business Plus is one of my favorite no annual fee cards. I always keep one in my wallet. It earns 2x on all purchases, so this is always my catch-all card for all of my spending that does not fit into a category bonus.
I also find this card to be an excellent “player 2” card. Because it always earns 2x everywhere, I know that my player 2 is always earning a good return on his spend. And take it from me, your player 2 will be a lot happier and more willing to participate in travel hacking if you make it easy on them and don’t stress them out with always having to use the “right” card for every purchase. I always have one of these blue business plus cards in my player 2’s wallet!
It earns 2x.
It costs nothing.
It strengthens everything else.
If you’re serious about maximizing Membership Rewards, this card is almost a default yes. It is one of the smartest companion cards to the Amex Platinum.
👉 Apply for the American Express Blue Business Plus here
👉 Or see my full Best Credit Card Offers page here
