Verdict · Updated April 2026
American Express Blue Business Plus for Small Business Use
The American Express Blue Business Plus isn't optimized for small business use — ranked #12 of 15 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #12 of 1521th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
American Express Blue Business Plus
American Express · No annual fee
The 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.
Full card review
Earn math — Small Business Use profile
Based on typical small business use spending of $33,600/year across the categories below.
Annual rewards
$403
Annual fee
$0
Net value
$403
Business categoriesHigh limitsEmployee cards freeNo 5/24 impact
Where the American Express Blue Business Plus wins for small business use
- Classified as a business card — does not count toward Chase 5/24
Where it falls short
- Lacks strong business-category multipliers (office, advertising, shipping)
Top 3 alternatives for small business use
Cards that rank higher than or close to the American Express Blue Business Plus on our small business use scoring model.
How the American Express Blue Business Plus performs for other use cases
Frequently asked questions
Is the American Express Blue Business Plus a good card for small business use?⌄
The American Express Blue Business Plus isn't optimized for small business use — ranked #12 of 15 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the American Express Blue Business Plus on small business use spending?⌄
At the typical small business use spending profile of $33,600/year, this card earns approximately $403 in rewards — net $403 after the $0 annual fee.
What are better alternatives to the American Express Blue Business Plus for small business use?⌄
Our top 3 alternatives are Chase Ink Business Cash, Chase Ink Business Preferred, Bank of America Business Advantage Cash Rewards. Each ranks higher on our use-case scoring model for small business use.
What credit score do I need for the American Express Blue Business Plus?⌄
The American Express Blue Business Plus typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the American Express Blue Business Plus's annual fee worth it for this use case?⌄
The American Express Blue Business Plus has no annual fee — there's no breakeven to clear, so any rewards earned on small business use spending are pure profit.
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