AMEX Blue Business Plus Card

Card Review & AMEX Point Calculator
2x On The First $50,000

Review the benefits of the American Express Blue Business Plus Card and calculate how many AMEX Membership Rewards Points you can earn based on your spend.

If you're looking to earn Membership Rewards Points, I highly recommend picking up the Blue Business Plus Card. It earns double points on the first $50,000 in purchases which makes it great for earning points in categories that other Membership Rewards Points earning cards would only earn 1 point per $1 spent.

Bonus Categories

The Blue Business Plus Card earns Membership Rewards Points at a flat rate. It earns 2 Membership Rewards Points per $1 spent on everything up to $50,000. Once you hit the cap, all additional purchases will earn 1 Membership Rewards Point per $1 spent.

  • 2x On First $50,000 In Purchases
    • 1x for the remainder of the calendar year after reaching cap.

The Blue Business Plus Card is the best option for non-category purchases in the U.S. Membership Rewards Program and pairs well with any popular card in the program.

Perks & Benefits

The Blue Business Plus features your standard AMEX benefits and a NPSL-like feature.

  • Expanded Buying Power
    • Spend beyond your designated credit limit up to a hidden cap.
    • Spend over the limit will be due during the next statement along with the minimum payment amount.
  • AMEX Offers
  • AMEX Entertainment Access
    • AMEX Preferred Seating, AMEX Presale(s), and AMEX Express Seating
  • Insurance and Protections

Sign Up Bonus (SUB)

The standard Blue Business Plus card sign up bonus is 10,000 Membership Rewards Points after $3,000 spend within the first three months. Higher signup bonuses of 15,000 to 20,000 Mebmership Rewards Points are offered occasionally. You can sometimes trigger higher signup bonuses when using incognito/private browsing mode while applying for AMEX credit cards. Welcome bonuses with AMEX are once per lifetime so always be sure to go for the highest bonus available if you can!


Annual Fee

The Blue Business Plus Card annual fee is $0 which is why this card is such a great deal. While it's easy to redeem Membership Rewards Points for a value of 1 cents each, anyone who can redeem them for higher value thanks to transfer partners, can get an excellent return without worrying about an annual fee!

Authorized User Fee

The Blue Business Plus Card has a $0 authorized user fee. This allows you to add multiple friends, family, or employees to your card in order to build even more Membership Rewards Points.

Foreign Transaction Fee

The Blue Business Plus has a foreign transaction fee of 2.7%. This makes it a bad choice for anyone that was hoping to earn double Membership Rewards Points on international purchases. If you're looking to earn AMEX points on miscellenous spend, your best bet will be the Everyday Preferred as it can earn up to 1.5x points per $1 spent on non-category spend.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
Learn how you can use cash back portals to earn hundreds in cash back every year booking travel and shopping online. Easily double and triple dip on rewards when you combine cash back portals, loyalty programs, and rewards credit cards.
Calculator Continues Below
Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of this card (if applicable).
Annual Fee:
Auth Fee:
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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