The Blue Business® Plus Credit Card from American Express Value & Points Calculator

The Blue Business Plus is a great small business credit card that earns 2X Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the year (then 1X). These points can be redeemed for 1 cent apiece towards airfare via or be transferred to AMEX's airline and hotel parnters for increased value.

Intro Bonus: 15,000 Points

Rewards Rates

Earn 2X Membership Rewards® points on the first $50,000 in purchases per year, then 1 point per dollar thereafter.

Current 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.

Key Cardholder Benefits

  • 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 us, and other factors.
  • No Annual Fee
  • Terms Apply

Rewards Value

Membership Rewards Points earned with the Blue Business Plus Credit Card have an average value of 1 cent when redeemed towards airfare via

You can obtain higher value by transferring points to AMEX's travel partners and redeeming them for flights and hotel stays. Points can also be used for statement credits, gift cards, and purchases, but these will typically give your points less than 1 cent in value.

Redemption Option Average Value (in cents)
Point transfers to airline and hotel partners 0.6 - 2
Booking flights through American Express Travel 1
Booking other travel through American Express Travel 0.7
Paying with points at checkout 0.7
Using points for card charges (statement credit) 0.6
Redeeming points for gift cards 0.5 - 1

Transfer Partners

Points earned with the AMEX Blue Business Plus can be transferred to 20 travel partners, with most partners being at a 1:1 ratio.


Transferring points to partners is the best use of Membership Rewards Points as you'll be able to obtain redemption values higher than the average 1 cent you can get redeeming them directly through American Express Travel.

Annual Fees

The Blue Business Plus Credit Card has a $0 annual fee.

AMEX Points Calculator

Use the Blue Business Plus Points Calculator to determine how many AMEX Points you can earn based on the monthly or yearly spending amounts you enter.

You can calculate the cash value of the Blue Business Plus alongside up to two other credit cards from any issuer.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site. This means there's no need to re-enter spend when jumping to other credit card pages on the site.

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Other Ways To Earn

If you frequently makes purchases online and you're looking to earn more Membership Rewards Points, you should consider using Rakuten Rewards.

Rakuten is an online shopping portal that pays you for shopping online. Basically, they run a website full of affiliate links to different retailers and pay you, the user, some of their commission when you make an online purchase using those links.

The best thing about Rakuten is that they are partnered with American Express Membership Rewards. So instead of earning cash back on your purchases, you can opt in to earn Membership Rewards Points.

So if Rakuten is offering 10% cash back with a certain retailer, you'll be able to earn 10X Membership Rewards Points. Sounds amazing, right? That's because it is.

I've been using Rakuten Rewards as my main online shopping portal since the start of 2017. Once the ability to earn Membership Rewards Points became available, I never looked back.

I use the portal for all of my personal and business online purchases... from buying gifts to booking travel. Since Rakuten uses affiliate links, you're always dropped off on the retailers website. So you're not booking or buying through a third party.

For example, if I click on the Marriott affiliate link on the Rakuten website, it's going to take me to I can then book my travel as normal and Marriott will notify Rakuten that I have done such. So I still get to earn my Marriott Bonvoy Points from my Marriott booking as well as earn additional Membership Rewards Points based on what Rakuten is offering for Marriott.

You can sign up for Rakuten Rewards for free through our affiliate link and earn bonus Membership Rewards Points (or cash back) on your first purchase. If you're looking to get the most out of the Membership Rewards program, you don't want to ignore this program.


Is the Blue Business Plus a charge card?

No. The Blue Business Plus Card is a credit card, but it does allow you to spend over your limit to a hidden cap.

Is the Blue Business Plus a great card?

Yes. The Blue Business Plus is one of the best business credit cards on the market and it pairs well with just about all Membership Rewards credit cards.

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

The Blue Business Plus usually does not offer a sign up bonus, but you can sometimes get one using a referral link. You can also check out our current business card offers 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 travel partners.

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