Review: American Express Blue Business Plus

Yeah, it’s been another long while since I posted. But this card’s initial bonus is expiring soon and it’s too good a card not to make people aware. First thing to point out: this is a business card. I haven’t addressed business cards before because they’re a little tricky and you must have a registered business (including a sole proprietorship) to qualify for the card. If I keep posting, I’ll explain a little more about the idiosyncrasies of business cards. But, let’s start at the top, shall we?

American Express Blue Business Plus (20,000 points bonus link)

American Express Blue Business Plus. Image Credit: courtesy of American Express.


  • 20,000 point bonus after spend of $3,000 after 3 months
  • Earn 2x points (per dollar spent) on all purchases (up to the first $50,000 per year, and 1x points thereafter)
  • No annual fee
  • 0% introductory APR for the first 12 months
  • (Limited) access to Amex Offers, a promotional benefit linked with companies and brands that saves you money or earns you additional MR points
  • Transfer partner with numerous airline and hotel loyalty programs (generally, 1:1 ratio); points can also be transferred to the loyal programs of authorized users on the account
  • If cardholder(s) have other Amex cards earning MR points, the accounts are combined
  • Points can be used to pay off credit card charges, or for shopping at various vendors (at lesser value)
  • American Express card benefits


  • 12.24%, 16.24%, or 20.24% APR variable depending on creditworthiness
  • 2.7% foreign transaction fee
  • American Express typically limits cardholders to one initial spending bonus per card per lifetime


If you can qualify (with a registered small business), here’s your new everyday spend card. 2% points earned in Membership Rewards points is incredibly generous; to offer this card without an annual fee is just insane. Expect the 20,000 initial spending bonus to be pulled at any time. Note: the Amex Everyday Preferred Card will earn you slightly more points (if you earn the 50% bonus for 30 purchases in a month), but this card earns almost as much with no annual fee.

Let me put this another way: it takes $80,000 in regular (non-bonus) spending to earn a round trip economy ticket, HNL-NRT/HND, on Hawaiian Airlines (80,000 miles). It would take $40,000 in spending if you earned on this card and transferred the points to Hawaiian Airlines. Better still, it would take only $20,000 in spending on this card for an round trip economy ticket, HNL-NRT/HND, transferred to All Nippon Airways (40,000 miles).

This card will be in my wallet forever.

2 Replies to “Review: American Express Blue Business Plus”

  1. Wow, i am very happy that somebody is actually doing this in Hawaii. I am here too. I got to learn about thus blog from millionmilesecrets. Maybe one day in the future you guys could arrange a meet up for people who do this in Hawaii(well Oahu) and share our interest!

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