Blue Business Plus Card Review & AMEX 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 options Redemption 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

Outside of earning Membership Rewards points using AMEX, there's only one other way to earn additional points and that's Rakuten Rewards.

Rakuten Rewards

American Express Membership Rewards credit card holders can earn additional Membership Rewards points by using the Rakuten Rewards program which is a free-to-use online cash back portal that pays you to shop online.

The Rakuten website features thousands of retailer affiliate links and when you click on these links to make a purchase, Rakuten receives a commission. They then pay you, the user, some of that commission which is why it's no cost to use their portal.

Rakuten normally offers cash back rewards, but Membership Rewards credit card holders can opt in to receive Membership Rewards points instead. When receiving points, the rewards ratio is 1-to-1 meaning that 1% back is equal to 1X Membership Rewards points.

So if Rakuten is offering 10% cash back with a certain retailer (which they do often), this means 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.

You can sign up for Rakuten Rewards using 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.

Earning Rate Comparison

Want to know how the Blue Business Plus Card earning rates stack up against other Membership Rewards credit cards? The table below lists out the earning rates per $1 spent for all credit card partners so you can see where it stands.

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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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