American Express Blue Business Plus
No fee
American Express
American Express Blue Business Plus
4.5
(1,234 reviews)businessrewards
Reviewed by CardCompare Editorial Board
|CFP-reviewed|Updated April 2026The best no-annual-fee business card for earning Membership Rewards points. Earn 2x on every purchase up to $50,000 per year, then 1x after. Pairs perfectly with the Amex Gold or Platinum for everyday business spending.
Annual Fee
No annual fee
Purchase APR
18.49% – 26.49%
Rewards
1x base rate
Sign-Up Bonus
$150 value
Credit Score
Good (670-749)
Foreign Txn Fee
2.7%
Who Should Get This Card
The American Express Blue Business Plus is best suited for established credit users who small business owners who want no-fee membership rewards. With no annual fee, there's zero cost to keep it in your wallet long-term.
This card is great if you…
- No annual fee
- 2x on everything up to $50K
- Intro APR offer
- Small business owners who want no-fee Membership Rewards
Consider another card if you…
- 2.7% foreign transaction fee
- 2x cap at $50K/yr
- Modest sign-up bonus
Rewards Breakdown
2x Membership Rewards on first $50K/yr, 1x after
| Category | Rate |
|---|---|
| All Purchases (first $50K/yr) | 2x |
| Everything else | 1x |
Rewards Distribution
2x
top rate
All Purchases (first $50K/yr)2x67%
Everything else1x33%
Sign-Up Bonus
15,000 points after spending $3,000 in 3 months
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 18.49% – 26.49% |
| Intro APR (Purchases) | 0% for 12 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 2.7% |
| Late Fee | Up to $40 |
Pros & Cons
No annual fee
2x on everything up to $50K
Intro APR offer
Membership Rewards flexibility
2.7% foreign transaction fee
2x cap at $50K/yr
Modest sign-up bonus
The Bottom Line
The Good: The American Express Blue Business Plus stands out for its no annual fee. The welcome bonus worth $150 adds significant first-year value.
The Not So Good: 2.7% foreign transaction fee.
Our Verdict: With an editor score of 8/10, the American Express Blue Business Plus is one of our top-rated cards in its category. With no annual fee, there's no risk in trying it.
Frequently Asked Questions
What is the annual fee for the American Express Blue Business Plus?▾
The American Express Blue Business Plus has no annual fee — you'll never be charged just for keeping the card open.
What is the sign-up bonus for the American Express Blue Business Plus?▾
The American Express Blue Business Plus currently offers a sign-up bonus worth approximately $150. 15,000 points after spending $3,000 in 3 months Terms apply — always verify the current offer directly with the issuer.
How do the rewards work on the American Express Blue Business Plus?▾
The American Express Blue Business Plus earns 1x points on all purchases, and up to 2x points in select bonus categories. Points can be redeemed for travel, cash back, gift cards, and more.
What credit score do I need for the American Express Blue Business Plus?▾
The American Express Blue Business Plus is recommended for applicants with good (670-749) credit. Approval is not guaranteed and depends on your full credit profile.
Does the American Express Blue Business Plus charge a foreign transaction fee?▾
Yes, the American Express Blue Business Plus charges a 2.7% foreign transaction fee on purchases processed outside the U.S.
What is the APR on the American Express Blue Business Plus?▾
The American Express Blue Business Plus has a variable purchase APR of 18.49% – 26.49%, with a 0% intro APR for the first 12 months. If you carry a balance, interest charges can quickly outweigh any rewards earned.
Who is the American Express Blue Business Plus best for?▾
The American Express Blue Business Plus is best for Small business owners who want no-fee Membership Rewards. A key advantage: no annual fee.
Customer Reviews
4.5
1,234 reviews
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