Our illustration in the card’s colours, not its design
American Express credit card
Blue Business® Plus Credit Card
No annual fee.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · americanexpress.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $70 | $70 | |
| Typical spender | $180 | $180 | |
| Heavy spender | $395 | $395 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 2x Eligible purchases, with no category restrictions; points valued at 0.6¢, the program's statement credit for eligible charges value.
$70a year
The same in the first year and after.
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 2x Eligible purchases, with no category restrictions; points valued at 0.6¢, the program's statement credit for eligible charges value.
$180a year
The same in the first year and after.
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 2x Eligible purchases, with no category restrictions; points valued at 0.6¢, the program's statement credit for eligible charges value.
$395a year
The same in the first year and after.
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 2x Eligible purchases, with no category restrictions; points valued at 0.6¢, the program's statement credit for eligible charges value.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 65% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$575 a year
- CareCredit MastercardSynchrony · No annual fee+$530 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$515 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Membership Rewards
How you earn
- 2×
- Eligible purchases, with no category restrictionsEligible purchases on AmexTravel.com
- 1×
- Everything else
Points per dollar.
Benefits
- Expanded Buying Power allows spending above the credit limit, subject to a flexible amount that is not unlimited.
- Amex Offers allows Card Members to add offers to an eligible Card and earn extra rewards on qualifying purchases with select brands.
- Global Assist Hotline provides 24/7 emergency assistance and coordination services when traveling more than 100 miles from home, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Third-party service-provider costs are the Card Member's responsibility.
- No annual fee for additional Employee Blue Business Plus Credit Cards.
- Employee Card purchases earn Membership Rewards points in addition to points earned on the primary Card.
All 14 benefits
- Connect to QuickBooks provides automatic daily transfer of employee Business Card transactions and matched receipts; enrollment required.
- Account Manager access can be granted to trusted individuals to access and manage the Business Card account.
- Year-End Summary provides an annual overview of charges and spending categories, with PDF and Excel download options.
- Online Statements provide purchase history, reporting, and budgeting tools.
- American Express App supports spending and rewards tracking, payments, airport lounge finding, and real-time account alerts.
- Vendor Pay by BILL digitizes accounts payable, supports centralized payment management and compatible accounting-system updates; enrollment is required and fees may apply.
- Extended warranty: Up to one additional year
- Purchase protection: Up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year
- Rental car
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · americanexpress.com The source states this figure; we have no exact sentence on file yet. |
|---|
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $0 · americanexpress.com, since Oct 1, 2026