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Amex Blue Business Plus Card — Full Review [2023]

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Jarrod West

Jarrod West

Senior Content Contributor

Countries Visited: 21U.S. States Visited: 24

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in o...
Edited by: Stella Shon

Stella Shon

Compliance Editor & Content Contributor

Countries Visited: 25U.S. States Visited: 22

With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
& Kellie Jez

Kellie Jez

Director of Operations & Compliance

Countries Visited: 10U.S. States Visited: 20

Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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15,000 points

Learn More

(at Amex's secure site)

Great Card If

  • You want a card with a simple point-earning structure so you don’t have to worry about bonus categories
  • You want a card that earns transferable rewards
  • You want a card that does not charge an annual fee

Don’t Get If

  • You want a card that offers bonus categories where your business spends the most
  • You want a card that offers travel perks
  • Your business spends significantly more than $50,000 each year

Amex Blue Business Plus Card — Is It Worth It?

The Amex Blue Business Plus card is well worth it for small business owners who want a card with a simple point-earning structure that they can put all of their business expenses on throughout the year. Since the card earns 2x points per $1 spent (on up to $50,000 in annual spend), the Amex Blue Business Plus card is one of the best credit cards for monthly bills for business owners.

Of course, the card does more than just earn points. It’s also great for business owners who are looking for employee cards without additional fees and benefits such as purchase protection and extended warranty protection.

Better yet, you receive all of the card’s great earning potential, and all its benefits, without an annual fee.

Amex Blue Business Plus Card Top Benefits

Add Employee Cards for No Fee

When you’re running a business, you want your employees to be able to get what they need without having to exchange a single credit card back and forth. With the Amex Blue Business Plus card, that won’t be an issue as you can add as many employee cards as you’d like for no additional fee.

Purchase Protection

When you purchase an item with your card, you’re covered for up to 90 days towards accidental damage or theft. The coverage is limited up to $1,000 per occurrence, up to $50,000 per calendar year.

Extended Warranty Protection

If you purchase any item with your card with a warranty of 5 years or less, your Amex Blue Business Plus card extends that coverage by 1 additional year.

Best Ways To Earn and Redeem Your Amex Points

You can easily use your card for all of your business expenses to rack up points. But there are many other great ways to earn Membership Rewards points that you can take advantage of.

If you want to get maximum value, utilizing Amex transfer partners is the best way to redeem your Membership Rewards points. This allows you to book fantastic premium cabin flight redemptions for a fraction of what they usually cost.

Alternative Cards to the Amex Blue Business Plus Card

Ink Business Unlimited® Credit Card

For those looking for a no-annual-fee business card that earns flexible rewards and has a simple earning structure, the Ink Business Unlimited card is worth considering. The card earns an uncapped 1.5% back for every $1 you spend, making it a much better option for those who run businesses with a lot of annual expenses.

Ink Business Preferred® Credit Card

If you’re looking for a more well-rounded option that allows you to maximize categories where your business spends the most, the Ink Business Preferred card might be a perfect fit. The Ink Business Preferred card earns 3x points per $1 on up to $150,000 in combined purchases on travel, shipping, ad purchases made with social media sites or search engines, and internet, cable, and phone services.

If your business spends a large amount of money on one or more of these categories, it could help you earn hundreds of thousands of Ultimate Rewards points each year.

We’ve also compared the Amex Blue Business Plus card to these other popular cards:

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

Frequently Asked Questions

If you’re approved for the card, your credit limit will vary based on your credit score, your business’ annual revenue, how long you’ve been in business, and the amount of credit that American Express has (or has not) extended to you already.

Yes, the card charges a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars. You’ll want to use another card for your purchases when traveling abroad.

When you make a purchase with your card, the purchase is covered for theft or damage for up to 90 days from the date it was purchased. If this happens, you can be covered for up to $1,000 per occurrence and up to $50,000 per calendar year.

When you purchase a product with your Amex Blue Business Plus card, the original warranty can be extended up to 1 additional year. This applies to warranties of 5 years or less on all covered purchases.

While there is no set credit score requirement for the card, generally speaking, those with a credit score of 700 or higher will have a higher chance of being approved.

Other factors that will be considered include your business’s annual revenue, the number of years you’ve been in business, the nature of your business, and other credit factors.

No, there’s no annual fee with the card, and additional cards can be added for employees at no extra charge.

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.



March 21, 2022

A lot of discussion elsewhere – most business cards state zero liability for fraudulent use of business credit card, but not Amex.

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