Blue Business Plus from Amex
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Earn 15,000 Membership Rewards bonus points after spending $3,000 in eligible purchases on the Card within the first 3 months of Card Membership (~$270 at 1.8¢/point transfer-partner valuations; standard public offer per americanexpress.com — occasionally elevated to 25,000-50,000 via targeted CardMatch / referral links).
The silent workhorse of the Amex MR ecosystem. 2x on everything up to $50k/year with no annual fee. Pair it with the Platinum or Gold to unlock transfers, and you have a powerful everyday earner.
Earning Rates
At a glance
- 2x MR on all purchases up to $50k/yr
- $0 annual fee
- 0% intro APR 12 months
- Pairs with Amex Gold/Plat for transfers
Earning rates
3- 2xup to $50,000/yr
2X Membership Rewards points on all eligible purchases — no category restrictions — on up to $50,000 in purchases per calendar year
- 1x
1X Membership Rewards point per dollar on eligible purchases after the $50,000 annual 2X cap is reached
- 2x
At Amex MR transfer-partner valuations of ~1.8¢/point, a flat 2X earn returns ~3.6% back, or about $90 in transfer-partner value per $1,000 spend up to the $50K cap
Statement credits
1- Amex Offers
Amex Offers: targeted statement credit and bonus-points offers from merchants when you enroll and pay with the Card
Perks & memberships
3- No foreign feesNo foreign transaction fees on purchases made outside the U.S. (verified per Amex Schumer box / TPG and UpgradedPoints reviews)
- Payment flexibilityPay Over Time: option to carry a balance with interest on eligible purchases of $100 or more rather than paying in full each month (rare among Amex small-business charge products)
- Authorized usersAdd Employee Cards at no additional annual fee — earn 2X/1X on employee spend and set individual spending limits, real-time Account Manager controls, and Merchant Category Alerts
Travel & purchase protections
4- Car Rental Loss and Damage Insurance (secondary in the U.S., primary outside the U.S.) when you reserve and pay with the Card and decline the rental company's collision damage waiver; terms apply
- Purchase Protection on eligible new purchases against accidental damage or theft for up to 90 days from the date of purchase, up to $1,000 per occurrence and $50,000 per cardmember account per calendar year; terms apply
- Extended Warranty: up to 1 additional year added to eligible original manufacturer's warranties of 5 years or less, up to $10,000 per item and $50,000 per cardmember account per calendar year; terms apply
- Global Assist Hotline: 24/7 medical, legal, financial, and emergency coordination and referral services when traveling more than 100 miles from home (third-party costs are cardholder's responsibility)
More benefits & fine print (1)ShowHide
- Expanded Buying Power: spend above your assigned credit limit on eligible one-time purchases — limit is not a hard cap, it flexes based on credit profile, payment history, and account spend patterns
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Transfer Partners
Full guide →Amex Membership Rewards points transfer to these loyalty programs:
How to Earn the Bonus
Spend $3,000 in the first 3 months to earn the 15,000 Membership Rewards points bonus.
Ready to Apply?
Earn 15,000 Membership Rewards points
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