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Our Verdict

American Express Blue Business Plus Card

Photo: American Express

Running a business is busy enough as it is, so you likely want a rewards credit card that helps maximize everyday business purchases, without requiring you to take any additional time or effort away from your business. If that sounds like you, then The Blue Business® Plus Credit Card from American Express might be exactly what you need.

If you were to use 2 words to describe the Amex Blue Business Plus card, they would be rewarding and uncomplicated. This is because this no annual fee card earns 2x Membership Rewards points for every $1 your business spends throughout the year (on up to $50,000 in purchases; 1x thereafter), so there is no need to fixate over whether or not you’re using the right card (rates and fees).

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.


  • 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
  • No annual fee
  • Purchase protection and extended warranty protection
  • Employee cards at no additional cost (rates and fees)


  • Might not be suitable for a business with a lot of spending since the 2x earnings are capped at $50,000
  • No unique bonus categories for those who want to maximize certain business purchases like ads or shipping

Current Welcome Offer

Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Terms apply.

Learn More

Amex Blue Business Plus Card Details

Amex Blue Business Plus

Photo: chainarong06 /Shutterstock

The Amex Blue Business Plus card is really a fantastic option for business owners who want to earn flexible rewards at a simple earning rate, without worrying about needing to pay an annual fee each year. With 2x points per $1 on everyday business purchases, cardholders can “set it and forget it” as their primary payment method for all of their business expenses.

This card isn’t just about earning rewards, though — it also offers cardholders purchase protection, extended warranty protection, access to Amex Offers, and the ability to add employee cards at no additional cost.

Great Card If

  • You want a business card with a simple rewards structure
  • You want a card with no annual fee
  • You want flexible redemption options

Don’t Get If

  • You want a card that offers bonus categories to help you maximize the purchases your business spends the most on
  • Your business spends significantly more than $50,000 each year

Amex Blue Business Plus Card Protections

We know that the Amex Blue Business Plus card offers some protections to cardholders, but what are the protections and what do they cover?

  • Purchase Protection — Purchases made with your card are covered for up to 90 days from the purchase date, up to $10,000 per item and $50,000 per year, in the event of theft, loss, or damage.
  • Extended Warranty Protection — When you purchase an item with your Amex Blue Business Plus card, a manufacturer’s warranty of 5 years or less can be extended up to 1 additional year.
  • Rental Car Insurance — Secondary coverage for damages caused by theft or collision is provided at up to $50,000 (secondary coverage kicks in after your primary vehicle insurance).

So you can take comfort knowing that when you’re purchasing new items for your business, or even renting a car, your Amex Blue Business Plus card will help keep you covered if things go wrong.

Best Ways To Use Membership Rewards Points

Once you’re using your Amex Blue Business Plus card for all of your business expenses, you’ll be sure to rack up a large balance of American Express Membership Rewards points in no time. Then you just need to decide how to redeem those points! Luckily, American Express gives you multiple options to choose from.

Amex Transfer Partners

Photo: EQRoy/Shutterstock

If you love to travel, then one of the best ways to get the maximum value out of your Amex Membership Rewards points is by using them with one of the Amex transfer partners. This might seem a little complicated if you’re new to the world of points and miles, but the added effort needed is definitely worth it, and once you get the hang of it you can start redeeming your points for phenomenal value.

Here is the full list of all of the Amex transfer partners, along with which programs we think are the best for getting the best value possible out of your Membership Rewards points:

Amex Transfer Partners
Our Top Choices Air Canada Aeroplan Avianca LifeMiles
ANA Mileage Club British Airways Avios
Solid Options Air France/KLM Flying Blue Emirates Skywards Singapore Airlines
Cathay Pacific Asia Miles Etihad Guest Virgin Atlantic Flying Club
Choice Privileges Iberia Plus
Delta SkyMiles Qantas Frequent Flyer
Not Recommended Aer Lingus AerClub Hawaiian Airlines Marriott Bonvoy
Aero Mexico Club Premier Hilton Honors
Alitalia Millemiglia JetBlue True Blue

As you can see, there are quite a lot of Amex transfer partners to choose from, and trying to determine which one is best for you to use can be very confusing for those who have never used transfer partners before. So allow this chart to serve as a helpful tool to give you an idea of which Amex transfer partners generally offer the best value redemptions.

Transfer partners in the top category are our Top Choices because they are generally the easiest to get consistently get excellent value out of your Amex Membership Rewards points. For example, you could transfer 95,000 Membership Rewards points to ANA to fly round-trip from the U.S. to Hong Kong in business class. That is close to 32 hours of business class flying on a ticket that costs thousands of dollars, and all you’ll need to pay is any applicable taxes and fees!

Programs in the Solid Option category will usually offer good value for your points on a regular basis and can offer exceptional value for certain sweet spots. Take the Delta SkyMiles program, which offers rotating SkyMiles deals that allow you to get deeply discounted award flights on both domestic and international trips. Booking these trips requires a bit of flexibility and some spontaneity, but they present an opportunity to get fantastic value for your points as these award flights can be upwards of 50% off their standard price.

Finally, any program in the Not Recommended category is one that usually offers much lower value than the others. These programs are usually not worth using unless you have a very specific need for them. A good example might be the JetBlue TrueBlue program where you can transfer 250 Amex Membership Rewards points for 200 TrueBlue points. Obviously, this isn’t a great option as you end up with fewer points after the transfer, and JetBlue points aren’t especially valuable. But it might make sense in your particular circumstance or perhaps if you almost exclusively fly with JetBlue.

In any case, you earned the points and no one can tell you how to spend them. So if a certain option makes the most sense for you, even if it isn’t the most optimal from a valuation perspective, then go for it! As long as you’re saving money in the process then you’re already winning.

Airfare Through Amex Travel

If you want to use your points for travel but prefer not to have to deal with transfer partners, you can redeem them to offset travel purchases made through the Amex Travel portal, which includes items like flights, hotel stays, cruises, etc. This option definitely provides more simplicity but is a little less valuable from a redemption perspective.

This is because redeeming Membership Rewards points through Amex Travel gives you 1 cent per point in value when redeemed towards airfare and 0.7 cents per point when used for any other travel purchases. So if you plan to redeem points this way, you’re better off just sticking with flight tickets.

Other Ways to Redeem Points

American Express also gives cardholders the option to redeem their Membership Rewards points towards gift cards, to offset purchases made with Apple or Amazon, and statement credits or cash-back from previous purchases.  Each of these options will give you anywhere from 0.6 cents to 1 cent per point in value, so using your points for travel would be much more lucrative. However, if you don’t plan on traveling any time soon, then these options could make sense for your situation.

Alternative Card to the Amex Blue Business Plus Card

Ink Business Unlimited® Credit Card

If you’re after a card that offers the simplicity and flexibility of the Amex Blue Business Plus card, but your business spends significantly more than $50,000 on business expenses each year, then the Ink Business Unlimited card might be a better fit for you.

The no-annual-fee Ink Business Unlimited card earns 1.5x points per $1 on all purchases, which is half a point less than the Amex Blue Business Plus card but with 1 key difference — there is no spend cap on the 1.5x earnings. So business owners who spend more than $100,000 each year on business expenses will earn more points each year by using the Ink Business Unlimited card.

American Express® Business Gold Card

If you’re a business owner that has a lot of annual expenses that are concentrated in certain categories, then you might be better off using a card that offers bonus categories to help maximize those purchases. Take the Amex Business Gold card that earns 4x Membership Rewards points per $1 on the 2 categories where your business spends the most each month, up to $150,000 each year, from the following categories:

  • Airfare purchased from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants
  • U.S. purchases for shipping

So if your business expenses are large enough to hit the $150,000 threshold, you would earn 600,000 Membership Rewards points each year! The Amex Business Gold card does have a $295 annual fee, though, so you’ll want to make sure the number of points you’ll earn each year and the benefits offered from the card are worth the fee (rates and fees).

For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities. Note: While the offers mentioned above are accurate at the time of publication, they’re subject to change at any time and may have changed, or may no longer be available.