Blue Business® Plus
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.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 0.6%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
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 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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 1,547 cards we track in that category.
| 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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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.
Does the Blue Business Plus have an annual fee, and what's the welcome bonus?
The Blue Business Plus has an annual fee of $0 and a foreign transaction fee of $2.70. 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.. Confirm current issuer terms before applying.
- Annual fee
- $0
- Foreign transaction fee
- $2.70
- Signup 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.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Car Rental Loss and Damage Insurance
As 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.
- Extended Warranty
With 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.
- Global Assist® Hotline
Whenever 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.
- Purchase Protection
When 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.
Common questions about the Blue Business Plus
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Blue Business Plus?
Rewards on the Blue Business Plus post as American Express Membership Rewards. Redemption value depends on how you use American Express Membership Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
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, $95 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 |
American Express | Dining | 3.5% | $550 |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $95 |
American Express | Dining | 2.8% | $250 |
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