The Blue Business® Plus Credit Card from American Express

Note: American Express is a Frequent Miler advertiser. Please see our Advertiser Disclosure.

Card Details and Application Link

15K points
15K after $3K spend in 3 months. Terms apply. (Rates & Fees)
Click Here to Apply

No Annual Fee

Alternate offer: Some people have been targeted for an offer in their online account for 50K points after $15K in purchases in their first 12 months.

Recent better offer: 20K after $3K spend in 3 months (Expired 6/21/17)

FM Mini Review: 2X rewards for all spend (up to $50K per year) with no annual fee makes this card a winner.

Card Type: Amex Credit Card

Base

2X
(3.1%)

Earning rate: 2X Membership Rewards points on all purchases, up to $50K spend per calendar year (then 1X thereafter). Terms apply. (Rates & Fees)

Overview

The The Blue Business Plus Credit Card is the only card offering transferable points and 2X rewards for all spend. That's fantastic. And, it has no annual fee!

Card Advantages

No annual fee.
2X Membership Rewards points on all eligible purchases. Enough said.
When paired with The Business Platinum Card from American Express OPEN, you can use points to purchase flights at a value of 1.5 cents per point thanks to the Business Platinum pay with points rebate.
If you cancel all other Membership Rewards cards, your Membership Rewards points will stay active and still transferable to airlines.
Signing up for this card does not impact your 5/24 count.

Card Disadvantages

This is a credit card, not a charge card, so it is subject to Amex's limit of 5 credit cards per person.
2X earnings are capped at $50K spend per year.

Rewards

Amex Membership Rewards points can be incredibly valuable if you know how to use them. In general, if you use Membership Rewards points to pay for merchandise or travel, you won't get good value from your points. One exception is with the Business Platinum card where you'll get a 35% point rebate when using points to book certain flights. This gives you approximately 1.5 cents per point value, which is pretty good. Another exception is with the Business Gold Card where you'll get a 25% point rebate when using points to book certain flights. This gives you approximately 1.33 cents per point value. If you don't have either card, then your best bet is to transfer points to airline miles in order to book high value awards. More details can be found here: Amex Membership Rewards Complete Guide.

Application Tips

Amex Application Tips

Safe to Apply: Amex is the safest bank for trying your luck at a new welcome bonus. They don’t usually issue a hard pull when denying your application, and if you already have an Amex card, they won't usually issue a hard pull when approved for another one. Plus, they’ll now warn you during the application process if you’re not eligible for the bonus.

Lifetime Rule: If you've ever had the same card before, you are most likely prohibited from getting a welcome bonus for the card if you apply now. Fortunately you'll be warned during the application process if this is the case. Amex is known to "forget" that you've had a card after about 7 years.

90 Day Rule: You can get at most two credit cards within 90 days. This rule does not apply to Pay Over Time (charge) cards.

5 credit card max: Amex usually won't approve applications for new credit cards if you already have 5 or more Amex credit cards or 10 or more charge cards.

Better Offers: You may be able to get a better offer than the best available public offer. Details here.

Hard inquiries combine into 1 when approved same day

Check application status here.
If denied, call reconsideration: 877-399-3083 (new accountholders); 866-314-0237 (current accountholders)

How to Meet Spend Requirements

In order to meet minimum spend requirements, people often look for options to increase spend in ways that result in getting their money back. These techniques are referred to as "manufacturing spend". American Express has terms in their welcome offers that exclude some manufactured spend techniques from counting towards the minimum spend requirements for the welcome bonus. For example, most new cardmember bonuses have terms like this:

Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents.

That said, many techniques for meeting minimum spend are perfectly fine. Here are some techniques that are safe for meeting Amex minimum spend requirements (click each link for more information):

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