Amex Blue Business Plus

The Blue Business Plus is a no annual fee small business card from American Express: 2x Membership Rewards points on eligible purchases, with no categories to track. The 2x rate applies to the first $50,000 of eligible purchases each year and drops to 1x after that, so it is sized for a business spending roughly $4,000 a month rather than a large operation. Purchases on AmexTravel.com also earn 2x and do not count toward the $50,000. Approval generally starts at good credit, roughly 670 or higher, and the welcome offer in the terms Amex links from its card page is 15,000 Membership Rewards points after you spend $5,000 in the first three months (Amex notes offers may vary). What matters here is the currency rather than the rate. Membership Rewards points can be moved to travel partners, and this card earns them at 2x without an annual fee, which is why it can work as the everyday earner sitting behind a premium Amex card that handles redemptions. Used alone the arithmetic is more sober: if you value points at a cent each, 2x is worth about 2%, so the value case rests on whether you will actually transfer points to partners or simply cash them out. The annual fee is $0, so there is no break-even calculation to run, but two other costs deserve attention. The card charges a foreign transaction fee of 2.7% of each transaction after conversion to US dollars, which is awkward for a business with overseas suppliers or regular international travel, and the regular APR is 16.99% to 28.74% variable (accurate as of October 14, 2026), a wide band, so the rate you are offered depends on your credit profile. The 0% intro APR for 12 months on purchases gives a young business room to invest ahead of revenue, but only if there is a credible plan to clear the balance before month thirteen. It is the wrong card for a business spending far more than $50,000 a year, since everything past that threshold earns 1x, and for anyone unwilling to learn transfer partners, since redemption choices drive what the points are worth. It is also poorly matched to international spending given the foreign transaction fee. If you want simplicity and cash in the bank rather than points, this is not the card built for that.