Blue Business Plus Credit Card
No annual fee · 1x on everything else · 2.7% foreign transaction fee
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Everything else | 1x | uncapped |
Signup bonus: 15,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Amex offers can vary by applicant. Bonus figure confirmed on the issuer's page 2026-09-15.
Non-cash perks
- Expanded Buying Power (spend above your credit limit, flexible amount)
- Employee Cards
- Connect to QuickBooks
- Account Manager
- Vendor Pay by BILL
- Extended Warranty and Purchase Protection
- Car Rental Loss and Damage Insurance
- Global Assist Hotline
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who spends abroad. Every purchase in a foreign currency carries a 2.7% foreign transaction fee. On a card earning 1.1¢ per dollar at the base rate, that fee costs more than the rewards on the same purchase.
Compared head-to-head
Comparing cards in the same currency? See the best cards that earn Amex Membership Rewards →
More from American Express
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.americanexpress.com · www.americanexpress.com. Spot an error? Tell us.