The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.


  • The Blue Business® Plus Credit Card from American Express

    Great no-annual-fee card for earning rewards on business spending


    • up to 2X Membership Rewards® pointsRewards Rate
    • $0Annual Fee
    • 18.24% – 26.24% VariableAPR
    • Good–ExcellentRecommended Credit

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Crafted with small businesses in mind, The Blue Business® Plus Credit Card from American Express is an appealing choice for those looking for a cost-effective and rewarding credit option. This card is best suited for small to mid-sized businesses that have significant everyday operating expenses. Businesses that can maximize the rewards rate up to the annual limit would gain the most benefit. However, it may not be the best fit for businesses with high travel expenses or high-spending in specific categories that they could earn more points for with another card.

The Blue Business® Plus Credit Card from American Express Overview

The Blue Business® Plus Credit Card from American Express’s rewards program is fairly straightforward and its suite of account management features is designed to make it easier to manage multiple cards on the account. Here are some more details about this no-annual-fee business card:

  • Rewards rate: Earn 2 Membership Rewards® points per dollar on everyday business purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar)
  • Welcome offer: Earn 15,000 Membership Rewards® points after spending $3,000 on purchases in the first 3 months
  • Regular APR: 18.24% – 26.24% (variable)
  • Annual fee: $0
  • Intro APR offer: 0% intro APR offer on purchases for 12 months, then a variable rate of 18.24% – 26.24%

Important Card Details

Learn more about the features and fees associated with The Blue Business® Plus Credit Card from American Express to help you determine if it’s right for your business's budget and needs.

  • metalCard icon

    Straightforward Rewards

    The flat-rate rewards of 2X points on everyday purchases for your business (up to $50,000 in purchases each calendar year, then 1X points) offers appealing simplicity for business owners. You have a variety of redemption options, too, including a straightforward statement credit, merchandise or gift cards through American Express Travel portal or transferring to one of American Express's many travel partners.

  • rewards icon

    OK Welcome Offer

    You can earn 15,000 Membership Rewards® points after spending $3,000 on purchases in the first 3 months, which is a nice boost to your points balance. That said, this is a little low compared to other no-annual-fee business credit cards that may offer greater value.

  • noForeignTransactionFee icon

    Foreign Transaction Fees

    This card charges foreign transaction fees at a rate of 2.7%. That may not sound like a lot, but it can significantly impact how costly it is to travel and do business overseas.

  • highInterestAPR icon

    Regular APR

    The Blue Business® Plus Credit Card from American Express has a variable APR of 18.24% – 26.24%. This is on the higher end for a business card, so it's best to avoid carrying a balance when possible.

  • noFee icon

    No Annual Fee

    No annual fee means you won't have to pay just to have the card. A nice feature to keep costs low when managing your business's budget.

  • barChart icon

    High Customer Satisfaction

    American Express has a strong record for customer satisfaction, frequently topping J.D. Power's Credit Card Satisfaction Study.

How The Blue Business® Plus Credit Card from American Express Compares To Other Cards

When comparing this card to others, it's important to weigh the benefits of its no annual fee and solid rewards on everyday business purchases against potentially higher rewards on other cards for specific categories like travel.

How This Card Compares

creditCard icon

The Blue Business® Plus Credit Card from American Express

  • Rewards rate: Earn 2 Membership Rewards® points per dollar on everyday business purchases (up to $50,000 in purchases each calendar year, then 1 point per dollar)
  • Welcome offer: Earn 15,000 Membership Rewards® points after spending $3,000 on purchases in the first 3 months
  • Regular APR: 18.24% – 26.24% (variable)
  • Annual fee: $0
  • Intro APR offer: 0% intro APR offer on purchases for 12 months, then a variable rate of 18.24% – 26.24%
  • Best For: Flat cash back on everyday business spending
creditCard1 icon

Capital One Spark Cash Plus

  • Introductory Bonus: Up to $1,000 cash: $500 after spending $5,000 in the first 3 months, plus an additional $500 after spending $50,000 in the first 6 months
  • Variable APR: n/a
  • Rewards Rate: 2% cash back, 5% cash back on hotels and rental cars through Capital One Travel
  • Intro Offer: None
  • Best For: Cash back on everyday spending and bonus travel category
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.