AmEx Blue Business Plus Credit Card Review (2018.2 Update: 10k Offer & Now You Can Refer A Friend)

The Blue Business Plus Credit Card from American Express OPEN Review

2018.2 Update: Now you can refer a friend, and the referral links lead to a 10k offer, which is better than the link on the official website.

2017.7 Update: It appears the 20k MR signup offer is still available, possibly on a targeted basis. I just logged into my Amex account, and a pop-up window titled “You’re pre-approved” appeared. I copied the link from the “Apply Now” button on the pop-up, which takes you to the application page. Login to see if the offer is available to you! Offer has an expiration date of August 25, 2017.

Application Link


  1. 10k offer: earn 10,000 Membership Rewards (MR) Points after you spend $3,000 within the first 3 months.
  2. Earn 2x MR Points on the first $50,000 in purchases each year, 1x MR Points on purchases thereafter.
  3. We estimate that Membership Rewards (MR) are worth about 1.6 cents/point, see below for a brief introduction. So the 20k highest sign-up bonus is worth about $320!
  4. With this card, you can get access to Amex Offer, which usually offers very good discounts at some stores, such as: spend $15 or more and get $5 back at Walmart; spend $75 or more and get $25 back on
  5. Refer a friend: You can earn 10,000 MR points for every approved account you refer, up to 55,000 MR points per calendar year.
  6. No annual fee.
  7. 0 APR for the first 15 months.


  1. It has foreign transaction fee, so it's not a good choice outside the US.

Introduction to MR Points

Recommended Application Time

  1. You can get the sign-up bonus once in a lifetime, so be sure to apply when the historical highest offer appears.
  2. AmEx doesn’t care about the number of hard pulls.
  3. You can try to apply for it when you have a credit history of 6 months.
  4. Only one AmEx credit card can be approved in a day. This rule does not apply to charge cards, you can be approved for one credit card and multiple charge cards in the day. Multiple cards approved in the same day will only have one Hard Pull.
  5. Only 2 AmEx credit cards can be approved within 90 days, but again, this rule does not apply to charge cards.
  6. You can keep at most 5 AmEx credit cards, not including charge cards.


This card looks like BCE/BCP, but they are totally different. This card is a business credit card, and it earns MR points. It is an improved version of the discontinued Amex Blue for Business. Unlike the previous Blue for Business, this card CAN transfer your MR points to miles. It has a really strong earning ability: 2x MR everywhere, much better than 2% cash back (see Citi Double Cash). But note that the 2x everywhere is limited to the first 50,000 spending in a calendar year. Although the sign-up bonus is just so-so, but it has no annual fee. It’s another MR card that you should considering keeping for the long term.

After Applying

  • Click here to check AmEx application status.
  • AmEx reconsideration backdoor number: 877-399-3083. The “real” backdoor number of Amex is well protected. Different from Chase, the representatives from this AmEx reconsideration backdoor number only have the right to help you submit requests.

Historical Offers Chart

Application Link

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