Blue Business® Plus
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Blue Business® Plus from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 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..
- Top category
- Dining
- Effective value
- 0.6%
- Annual fee
- $0
Worth a look for dining spend if you need a business card and can use American Express Membership Rewards the way you redeem today. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
What does the Blue Business Plus earn in each category?
Dining is the strongest category at 0.6% effective value (1x points at about 0.6 cents each). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Blue Business Plus compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.6% effective value (1x points at about 0.6 cents each). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Blue Business Plus compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.6% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0.6% |
| Gas Gas stations and fuel | 1x points | 0.6% |
| Travel Flights, hotels, transit | 1x points | 0.6% |
| Other General everyday spend | 1x points | 0.6% |
Madeen values American Express Membership Rewards at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Blue Business Plus?
The Blue Business Plus fits spenders who put meaningful volume in dining and can earn 1x points. Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Blue Business Plus fits spenders who put meaningful volume in dining and can earn 1x points. Madeen ranks its dining effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1x points. The welcome bonus can help if you can meet the spend requirement.
Foreign transaction fees make it weaker for international spend. Mostly a flat base earn card without strong category bonuses.
Worth a look for dining spend if you need a business card and can use American Express Membership Rewards the way you redeem today.
Pros
- Strongest Madeen category is dining at about 0.6% effective (1x points).
- No annual fee in our catalog snapshot.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- Charges $2.70 foreign transaction fees.
- American Express Membership Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
What is the Blue Business Plus welcome bonus?
In Madeen's catalog snapshot, the Blue Business Plus welcome offer is 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.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 15k American Express Membership Rewards (~$90 estimated)
- Terms (catalog snapshot)
- 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.
- Minimum spend
- $3,000
- Window
- 3Months
Does the Blue Business Plus have an annual fee?
The Blue Business Plus has an annual fee of $0 and a foreign transaction fee of $2.70. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2.70
What benefits come with the Blue Business Plus?
The Blue Business Plus includes Car Rental Loss and Damage Insurance, Extended Warranty, Global Assist® Hotline in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Extended Warranty
$10,000/yrWith Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year.
Purchase Protection
$10,000/yrWhen an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per occurrence, up to $50,000 per Card Member account per calendar year.
Car Rental Loss and Damage Insurance
$40/yrAs a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions.
Global Assist® Hotline
$25/yrWhenever you travel more than 100 miles from home, you may be eligible for 24/7 emergency assistance and coordination services , including medical, legal, and passport referrals, emergency cash wires, and missing luggage assistance.
Related encyclopedia topics
Common questions about the Blue Business Plus
Is AmEx Blue Business Plus a good card?
The Blue Business® Plus from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. It has no annual fee. New applicants may see: 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..
Does the Blue Business Plus have an annual fee?
The Blue Business Plus carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Blue Business Plus?
Dining is the strongest Madeen category for the Blue Business Plus at about 0.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Blue Business Plus charge foreign transaction fees?
The Blue Business Plus charges a foreign transaction fee of $2.70 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change.
What is the Blue Business Plus welcome bonus?
The Blue Business Plus welcome offer in our snapshot: 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.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
What credit score do you need for the Blue Business Plus?
Madeen's catalog lists a typical credit range of Good to Excellent for the Blue Business Plus. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Blue Business Plus compare to similar cards?
Compare the Blue Business Plus against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Blue Business Plus This card | Dining | 0.6% | $0 |
| Dining | 3.5% | $550 | |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
Related cards
See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure