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
  • Travel & Purchase Coverage

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.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
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Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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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/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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