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American Express · Updated July 2026
Amex Blue Business Plus Review (2026)
The simplest way to build transferable Membership Rewards: a flat 2X on virtually everything (up to $50k/year) with no annual fee.
Annual fee
$0
Welcome bonus
15,000 Membership Rewards points
Annual fee
$0
Welcome bonus
15,000 Membership Rewards points after spending $3,000 in the first 3 months
Rewards rate
2X Membership Rewards on all purchases up to $50,000 per calendar year, then 1X; 1X after the cap.
Points value
1¢ per point base (more via transfer partners)
Credit score
Good to Excellent (670–850)
Network
American Express
Foreign tx fee
2.7%
Regular APR
17.49%–27.49% Variable
Is it worth it?
Ideal for
- Businesses wanting transferable points on non-bonus, everyday spend
- Anyone building a Membership Rewards balance with no annual fee
- Cardholders who pair it with an Amex Gold or Platinum for premium redemptions
- New businesses that want a 0% intro APR runway
Not ideal for
- High spenders who will blow past the $50,000 2X cap quickly
- Those who want a big welcome bonus (this one is modest)
- International spenders sensitive to the 2.7% foreign transaction fee
Transfer partners
| Partner | Ratio | Transfer time | Bonuses |
|---|---|---|---|
| Delta SkyMiles | 1:1 | Instant | Occasional 20-30% transfer bonuses |
| Air Canada Aeroplan | 1:1 | Instant | Occasional transfer bonuses |
| British Airways Executive Club | 1:1 | 1-3 days | Periodic 20-40% bonuses |
| Virgin Atlantic Flying Club | 1:1 | Instant | Regular 30% transfer bonuses |
| Air France-KLM Flying Blue | 1:1 | Instant | Occasional transfer bonuses |
| Emirates Skywards | 5:4 (1,000 → 800) | Instant | Rare bonuses |
| Marriott Bonvoy | 1:1 | Instant | Occasional transfer bonuses |
| Hilton Honors | 1:2 | Instant | Periodic bonuses |
How we rate & review credit cards
CreditMilesGuru's editorial team evaluates cards on annual-fee value, welcome bonus, ongoing earn rates, transfer-partner quality, travel protections, credits and perks, and the current competitive landscape. Our ratings are independent — we are not paid by issuers to rate cards favorably. This review was last updated July 2026.
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