AMEX Points Calculator: The Blue Business Plus Card

The Blue Business Plus Card is a great small business card that earns 2X points on the first $50,000 in purchases. Review benefits & calculate points.

The Blue Business® Plus Credit Card from American Express earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the year. Points can be redeemed for 1 cent each for airfare through American Express, be transferred to AMEX's airline and hotel partners for a chance at more value, or redeemed towards a large list of other redemptions (such as gift cards or statement credits) for a lower value. The Blue Business Plus Credit Card is a great option for any small business looking to earn rewards and it is also a great card to pair with any other Membership Rewards credit card. It is one of the best no annual fee business credit cards on the market.

Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Rewards Rate Details

The Blue Business Plus Credit Card does not feature any bonus categories. It earns Membership Rewards Points at a rate of 2 points per $1 spent on the first $50,000 in purchases made during the year. After that, you'll earn 1 point per $1 spent for the remainder of the year. There's no limit to the amount of points you can earn with the card overall.

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

Perks & Benefits

The Blue Business Plus Credit Card allows you to spend beyond your limit. Outside of that, it features your standard American Express business card benefits found on most of their cards.

*Enrollment required.

Rewards Calculator

You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.

All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.

Rewards Calculator

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
Edit Card
FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The authorized user fee of the selected credit card.
$ 0
SUB Intro Bonus
If the card has an intro bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
$
Compare A Card
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Currency Worth

The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
Card 1
Card 2

Loyalty & Memberships

Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
Card 1
Card 2

Category Spending

Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
Categories
Change Order
Options
Add Categories
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.
Type at least 3 characters.
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/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.
Card 1
Card 2

Reward Bonuses

Any extra bonuses to do with a specific card will be listed here. You can edit/add the Intro Bonus (SUB) under the Credit Card section.
Card 1
Card 2

Subtotal

This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
Card 1
Card 2

Monetary Bonuses

This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
Card 1
Card 2

Annual Fees

This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
Card 1
Card 2

Grand Total

The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
Card 1
Value:
Return:
Card 2
Value:
Return:
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card from American Express
Intro Bonus
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Rewards Rate
2X
Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Main Card Highlights
  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%

FAQ

Is the Blue Business Plus a charge card?

No. The Blue Business Plus Card is a credit card. It will show you your available balance and let you know how much credit you have left. It does allow you to spend over your limit to a certain point.

Is the Blue Business Plus a great card?

Yes. It's one of the best small business credit cards on the market and it pairs well with just about all Membership Rewards credit cards. It's so good that people even use it as a personal credit card.

Does the Blue Business Plus Card have a sign up bonus?

The card usually does not offer a sign up bonus, but you can sometimes get one using a referral link. You can also check our partners list of Current Offers for business cards to see one is available.

Which is better, the AMEX Blue Business Plus or AMEX Blue Business Cash Card?

The AMEX Blue Business Cash Card is the better option if you don't plan on redeeming rewards towards airfare and transferring points to AMEX's transfer partners. You can use the Blue Business Plus vs Blue Business Cash Calculator to find out which is best for you.

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Updated 2021-04-04 By Robert Flowers III

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