Business card · American Express · Flexible points · Amex
American Express Blue Business Plus: what it's really worth
The American Express Blue Business Plus has a no annual fee. For a typical household spending $2,070 a month, it's worth about $1,495 in year one and $745 each year after.
Annual fee$0
Sign-up bonus$75050,000 points after $5,000 in 3 mo
Net value · year 1$1,495
Net value · each year after$745
Some applicants are targeted for up to 75,000 points. Earlier in 2026 the public offer was 15,000 points.
Calculate it with your own spendingIs the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 2x | 3.0¢ | $108 |
| Groceries | 2x | 3.0¢ | $180 |
| Hotels | 2x | 3.0¢ | $29 |
| Flights | 2x | 3.0¢ | $36 |
| Gas | 2x | 3.0¢ | $54 |
| Streaming | 2x | 3.0¢ | $14 |
| Everything else | 2x | 3.0¢ | $324 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 2x Membership Rewards points on the first $50K of purchases each year, then 1x.
Credits and perks
- Purchase protection
- Foreign transaction fee: 2.7%
Who it's for
- 2x points on everything with no annual fee
- Earning transferable Amex points without a fee
- Not ideal: Spending abroad (2.7% foreign fee)
- Not ideal: Businesses spending over $50K a year
Can I get it?
- Recommended credit: Good
- Business card: you apply as a business owner. Freelancers and sole proprietors can usually apply with their own name and Social Security number.
- American Express rules: Welcome offers are generally once per lifetime per card. Amex usually tells you before approval if you won't get the bonus.
- Amex: Not accepted everywhere: less common abroad and at some small businesses. Not accepted at Costco warehouses.
Check the current offer at American Express
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Updated Nov 4, 2026.