American Express
Blue Business Plus Credit Card
Estimated value every year on typical spending
$250/ year
Every year, after the annual fee. Year one adds a $400 welcome bonus: $650
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the American Express Blue Business Plus Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $250 a year on typical spending. The welcome bonus adds roughly $400 in the first year.
The fine print
- Intro APR
- 0% for the first 12 months
- Regular APR
- 16.99% to 28.74% variable
- Foreign fee
- None
- Top perk
- Option to spend above your credit limit with Expanded Buying Power
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- 2X points on the first $50,000 of eligible purchases per calendar year
- 1X points on purchases thereafter, with no category restrictions and no annual fee
Sign-up bonus
50,000 Membership Rewards® Points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership.
Best for
- Business spending
- Travelers who redeem points
- Keeping costs at $0
Not ideal for
- People who want plain cash back
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 12 months
- Regular APR
- 16.99% to 28.74% variable
- Balance transfer fee
- None
- $1200/mo on everyday spending earns about $115/year (0.8x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Blue Business Plus Credit Card: questions people ask
Is the American Express Blue Business Plus Credit Card worth it?
With no annual fee, the American Express Blue Business Plus Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $250 a year on typical spending. The welcome bonus adds roughly $400 in the first year.
What is the American Express Blue Business Plus Credit Card annual fee?
The American Express Blue Business Plus Credit Card has no annual fee ($0).
What is the American Express Blue Business Plus Credit Card welcome bonus?
AS HIGH AS 50,000 Membership Rewards® Points after you spend $5,000 in purchases on your new Card within the first 3 months of Card Membership. We value it at about $400. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the American Express Blue Business Plus Credit Card earn?
2X points on the first $50,000 of eligible purchases per calendar year. 1X points on purchases thereafter, with no category restrictions and no annual fee.
What credit score do you need for the American Express Blue Business Plus Credit Card?
The issuer doesn't say; we'd class it as: good credit recommended. Checking your matches on CardFit never runs a credit check.
Does the American Express Blue Business Plus Credit Card charge foreign transaction fees?
No. The American Express Blue Business Plus Credit Card has no foreign transaction fee.
Does the American Express Blue Business Plus Credit Card have a 0% intro APR?
0% for the first 12 months. After that the regular APR is 16.99% to 28.74% variable.
Compare Blue Business Plus Credit Card
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: American Express product page. Terms change often; confirm them with the issuer before you apply.