American Express Blue Business Plus
American Express, American Express, no annual fee. Earns Amex Membership Rewards, valued at 2.00¢ a point.
Rates checked against the issuer 2026-08. Foreign transaction fee: 2.7% of each purchase abroad.
The short version
- Best at: online shopping (#1, $4.00 per $100); Target and Walmart (#1, $4.00 per $100); Costco and Sam's Club (#1, $4.00 per $100).
- A year's rewards: about $1,058, with no fee to pay.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $1,058 a year on the illustrative household's spending, which puts it number 1 of 59 the no-fee cards in the catalogue. All of them, ranked.
Price its credits, perks and sign-up bonus your way — tick what you would use and say what it is worth to you.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Restaurants & Bars, Food Delivery, Groceries, Grocery Delivery, Wholesale Clubs, Superstores, Gas Stations, EV Charging, Rideshare & Taxis, Public Transit, Parking & Tolls, Car Rental, Flights, Hotels, Vacation Rentals, Online Shopping, Department Stores, Clothing, Home Improvement, Sporting Goods, Pet Supplies, Beauty, Auto Parts & Service, Office & Shipping, Drugstores, Medical, Phone & Internet, Utilities, Rent, Entertainment, Gyms & Fitness, Streaming, Everything Else | 2x | Up to $50,000 per year, then the base rate. 2x on every purchase, with no bonus categories to track |
| Everything else | 1x |
Where it ranks
Against every card in the catalogue, scored in dollars per $100 with no rotating categories switched on:
- #1 of 117 for online shopping — $4.00 per $100
- #1 of 117 for Target and Walmart — $4.00 per $100
- #1 of 117 for Costco and Sam's Club — $4.00 per $100
- #1 of 117 for home improvement — $4.00 per $100
- #1 of 117 for grocery delivery — $4.00 per $100
- #1 of 117 for department stores — $4.00 per $100
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $240 |
| Everything Else | $240 |
| Restaurants & Bars | $144 |
| Gas Stations | $72 |
| Online Shopping | $72 |
| Utilities | $72 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
Protections and travel benefits
From the issuer's own benefit summary as of 2026-09. These are read from summaries rather than the full guide to benefits, which has the exclusions — check it before relying on one.
- Purchase protection — up to $1,000 per claim, 90 days
- Extended warranty
What the issuer lists besides rewards
- Expanded buying power above your credit limit
- Purchase protection up to $1,000 per claim for 90 days after you buy
- Extended warranty adds a year to manufacturer warranties of five years or less
Similar cards
- American Express Amex EveryDay — annual fee none
- Wells Fargo Autograph — annual fee none
- Bilt Blue Card — annual fee none
- Bilt Mastercard — annual fee none
- Every travel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.