Amex Blue Business Plus: A Rare 75K Bonus That's Hard to Ignore

If you've been keeping an eye on business credit cards, you know the Blue Business Plus from Amex is a solid no-fee option. But right now, there's a welcome offer that's way above the usual. We're talking 75,000 Membership Rewards points after meeting a spending requirement. That's a big jump from the standard 15,000 or even the occasional 30,000 point offers. Let's break down what you need to know.

Why This Bonus Stands Out

Most of the time, the Blue Business Plus offer is pretty modest — 15,000 points, maybe 30,000 if you're lucky. So seeing 75,000 points is a pleasant surprise. That's worth roughly $1,200 in travel or gift cards if you value Membership Rewards at 1.6 cents each. Not bad for a card with no annual fee.

Plus, you get 0% intro APR on purchases for the first 12 months. That's a nice cushion if you need to make a big business purchase and want to pay it off over time without interest. Just remember that the variable APR kicks in after that.

• 75,000 MR points after $6,000 spend in 4 months
• 0% intro APR for 12 months on purchases
• No annual fee — keep it forever without cost

The Everyday Earning Power

What makes this card a keeper is the earning rate. You get 2x Membership Rewards points on every purchase, up to $50,000 each year. That's a flat 2x on everything — no categories to track, no rotating bonuses. After $50,000, it drops to 1x, but for most small businesses, that's plenty.

With a 2x rate and points worth about 1.6 cents each, you're effectively getting a 3.2% return on spending. That's competitive with many cash-back cards, but you're earning flexible points you can transfer to airline and hotel partners.

• 2x points on first $50k in purchases annually
• 1x points after $50k
• Points transfer to over 20 travel partners

Things to Watch Out For

First, this offer appears to be targeted. The link may not work for everyone, and you might need to check if you're eligible. Second, the spending requirement is $6,000 in four months — that's $1,500 per month. Make sure your business spending can hit that comfortably before you apply.

Also, while there's no annual fee, the card does have a variable APR after the intro period. If you carry a balance, it could get expensive. And remember, this is a business card, so you'll need to have a legitimate business or side hustle to qualify.

• Offer may be targeted — not everyone will see it
• $6,000 spend in 4 months is a moderate requirement
• Variable APR after 12 months

Who Should Consider This Card

This is a great card for small business owners who want a simple, no-fee way to earn flexible points. It's also a fantastic "keeper" card to hold your Membership Rewards points if you have other Amex cards with annual fees. Since there's no fee, you can keep it open indefinitely and your points won't expire as long as the account is active.

If you're just starting a side business or have moderate business expenses, the 2x earning rate and solid welcome bonus make this a strong choice. Just be sure you can meet the spending requirement without overspending.

• No annual fee — perfect for long-term holding
• 2x on all business purchases up to $50k/year
• Helps keep your MR points alive

Bottom Line

• 75,000 MR points is the highest public bonus for this card
• No annual fee and 0% intro APR for 12 months
• 2x points on up to $50k in spending per year
• Great for earning flexible travel points without a fee

Common Questions