The 8 Best Amex Business Credit Cards [2024]

American Express is a known leader when it comes to business credit cards, with many great options for business owners.

Finding the perfect Amex business credit card that brings the most value to your business operation may seem challenging. So we’re here to walk you through various choices and help you determine which card fits your business best.

Why Should You Get an Amex Business Card?

Put simply, American Express offers some of the best business credit cards on the market. Additionally, Amex offers a variety of business cards that fit many different business needs.

This includes business owners looking for a premium solution like The Business Platinum Card® from American Express, business owners looking to maximize large expenses with the American Express® Business Gold Card, and those looking for a simple, no-annual-fee card like The Blue Business® Plus Credit Card from American Express (rates and fees).

Beyond the benefits specific to each card, many Amex business cards offer helpful business tools that may include a pay-over-time option, no preset spending limit, the ability to add employee cards for a reduced or no additional fee, easy connection to partners like QuickBooks and Bill.com, and more.

No preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts to factors such as your purchase, payment, and credit history.

The Best Amex Business Cards

Amex Business Card Comparison Table (2024)

SCROLL FOR MORE

Amex Business Platinum Card (Best for Travel and Lounge Access)

OUR BEST OFFER

$2,640

19.49% – 27.49% Variable

Good to Excellent (670-850)

The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
  • Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
  • Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
  • $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • $695 Annual Fee.
  • Terms Apply.

Financial Snapshot

  • APR: 19.49% – 27.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 120,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card sets the bar high when it comes to earning, redemptions, and the endless benefits that come with the card.

Cardholders can earn 5x points on flights and prepaid hotels on Amex Travel and 1.5x points on eligible purchases with U.S. sellers of construction materials, hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year).

Praised by business travelers everywhere, the card delivers all the perks a traveler would value. Lounge access alone covers the annual fee, and when you add in 35% Pay With Points rebates on travel purchases, hotel and rental car status and benefits, and luxury hotel benefits with Amex Fine Hotels + Resorts and The Hotel Collection, there’s no better fit for the frequent business traveler seeking an American Express travel business card.

The card also comes with a host of statement credits, including:

You must enroll for some of these benefits, which you can do on your Amex account. When we look at all of the American Express Business cards, there isn’t any other that comes close to delivering more value for travelers than the Amex Business Platinum card.

Yes, it does come with a high annual fee, but it delivers value for the frequent traveler far beyond the amount of that fee.

Amex Business Gold Card (Best for Earning Points)

American Express® Business Gold CardTerms Apply / Rates & Fees

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Learn More(at Amex’s secure site)

$1,540

19.49% – 27.49% Variable

Good to Excellent (670-850)

Pros

  • 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
    • NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
    • NEW! U.S. purchases made from electronic goods retailers and software & cloud system providers
    • NEW! Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
    • U.S. purchases at gas stations
    • U.S. purchases at restaurants, including takeout and delivery
    • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
  • 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
  • Access to Amex’s The Hotel Collection
  • Purchase protection and extended warranty protection
  • Trip delay insurance
  • Car rental insurance
  • Cell phone insurance

Cons

  • $375 annual fee (rates and fees)
  • No elite travel benefits like airport lounge access or elite status

Hot Tip: Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Another solid business card is the Amex Business Gold card, which rewards your greatest purchases with 4x points on the 2 select categories where your business spent the most each month for the first $150,000 annually (then 1x). This ensures your greatest spending categories earn the greatest rewards. You select eligible bonus categories from a list of 6 common business-expense categories:

  • Transit purchases including trains, taxicabs, ride-share services, ferries, tolls, parking, buses, and subways
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
  • U.S. purchases for advertising in select media
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants

Points add up quickly if your business spends significantly in a particular category.

Hot Tip: The Amex Business Gold card also ranks high on our list of the best business credit cards for advertising purchases. 

Amex Blue Business Cash Card (Best for Startups, Cash-Back, Introductory APR Offer)

The American Express Blue Business Cash™ CardTerms Apply / Rates & Fees

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Learn More(at Amex’s secure site)

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%

Good to Excellent (670-850)

  • Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
  • Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Card Categories

Startup businesses may have an initial mix of expenses that differ from established businesses, as they may need to build technology infrastructure, open a brick-and-mortar storefront, or launch a massive marketing campaign.

For this reason, selecting a business credit card that rewards startup expenses is critical to getting the most value back from a business credit card.

The Amex Blue Business Cash card is a solid card for a startup business because it offers the business owner a simple cash-back earning structure: 2% cash-back on every eligible purchase their business makes (up to $50,000 per year, and 1% after that). The card also offers a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%.

Amex Blue Business Plus Card (Best for No Annual Fee, Introductory APR Offer)

The Blue Business® Plus Credit Card from American ExpressTerms Apply / Rates & Fees

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

Learn More(at Amex’s secure site)

$330

18.49% – 26.49% Variable,0% on purchases for 12 months from date of account opening

Good to Excellent (670-840)

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business® Plus Credit Card from American Express.

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
  • Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
  • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
  • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
  • No Annual Fee
  • Terms Apply

Financial Snapshot

  • APR: 18.49% – 26.49% Variable,0% on purchases for 12 months from date of account opening
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Card Categories

Rewards Center

American Express Membership Rewards

Looking for a rewards-earning business credit card without an annual fee? Consider the Amex Blue Business Plus card.

With it, you earn 2x points on all purchases of up to $50,000 in spend per year and 1x points after that.

Further, the Amex Blue Business Plus card is one of the few business credit cards to come with a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99%.

Amex Plum Card (Best for Cash-Back)

The Plum Card® from American ExpressTerms Apply / Rates & Fees

Instead of normal cash-back, get an unlimited 1.5% discount when you pay early for eligible days within 10 days of your statement closing date. The discount will be applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

Learn More(at Amex’s secure site)

Good to Excellent (670-840)

Cash flow can be unpredictable. Sometimes you can pay bills right away, and other times it may be easier to wait. Either way works out in your favor with The Plum Card® from American Express!

With this card, you can pay your bill early and get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date. You’ll see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the please pay by date. Alternatively, you can take up to 60 days to pay with no interest, when you pay your minimum due by the payment due date.

For those who run seasonal businesses or whose incoming cash flow is unpredictable, the card can provide you with payment alternatives that most other cards don’t.

Cash-back is, of course, the most liquid form of reward you can earn on your business card because the money can go right back into your business. While American Express doesn’t offer many cash-back cards, the Amex Plum Card, which has a more simplistic structure, earns 1.5% cash-back on the portion of your balance you pay within 10 days of your statement closing date. However, if you need more time to pay off your charges, you also get up to 60 days to pay without interest.

Additionally, the card has added perks like no foreign transaction fees, purchase protection, and extended warranty protection (rates and fees).

Delta Reserve Business Card (Best for Delta Loyalists and Lounges)

LIMITED-TIME OFFER

Delta SkyMiles® Reserve Business American Express CardTerms Apply / Rates & Fees

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

Learn More(at Amex’s secure site)

$1,320

20.99% – 29.99% Variable

Good to Excellent (670-850)

Pros

  • 3x miles per dollar on Delta purchases
  • 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
  • Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
  • Complimentary Delta Sky Club® access and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Complimentary Amex Centurion Lounge access when flying Delta
  • MQD Headstart and MQD Boost: Receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your card
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. See terms and conditions for details.
  • Access to complimentary flight upgrades and priority boarding (Main Cabin 1)
  • $240 Resy Credit: Earn up to $20 per month [in statement credits] on eligible Resy purchases using your enrolled card.
  • Earn up to $10 back each month after using your enrolled card for U.S. rideshare purchases with select providers.
  • Up to $250 annual statement credit after using your card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.

Cons

  • High annual fee
  • Does not earn many miles for purchases outside of Delta spend
  • Rewards are not transferable

  • Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
  • Enter Delta Sky Club® at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
  • Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Enjoy 3x miles per dollar on Delta purchases.
  • Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
  • Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • With the $240 Resy Credit, earn up to $20 per month [in statement credits] on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
  • Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
  • As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
  • When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
  • Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $250  after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Pay no foreign transaction fees when you travel overseas.
  • Terms and limitations apply.

Financial Snapshot

  • APR: 20.99% – 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Delta SkyMiles Frequent Flyer Program

If your business requires air travel, look at how American Express’ Delta co-branded business credit cards can add value and save your business money.

Delta business credit cards can earn SkyMiles for reward flights, deliver travel perks that make your journey more comfortable and productive, and even fund a family vacation.

With the Delta Reserve Business card, you get card benefits like:

Marriott Bonvoy Business Card (Best for Marriott Loyalists)

$1,750

20.99% – 29.99% Variable

Good to Excellent (670-850)

The Marriott Bonvoy Business card is great if you regularly stay at Marriott hotels.

For starters, it allows you to earn 6x points on Marriott stays; 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping; and 2x points on all other purchases.

Beyond point earning, it offers automatic Marriott Bonvoy Gold Elite status, 15 Elite Night Credits each year, a 7% room rate discount, and more.

Hilton Business Amex Card (Best for Hilton Loyalists)

The Hilton Honors American Express Business CardTerms Apply / Rates & Fees

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

Learn More(at Amex’s secure site)

$650

20.99% – 29.99% Variable

Good to Excellent (670-850)

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status, complimentary Priority Pass visits, travel protections, and the opportunity to earn free night certificates.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
  • Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
  • Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.

Financial Snapshot

  • APR: 20.99% – 29.99% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Hilton Honors loyalty program

Business owners who’ve made Hilton their hotel chain of choice will find tons of value in the Hilton Business Amex card. For a reasonable $95 annual fee, you can take advantage of all of these perks:

  • 12x points on Hilton stays
  • 6x points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants
  • 3x points on all other purchases
  • Automatic Hilton Honors Gold status
  • 10 complimentary Priority Pass visits each year
  • A Free Night Reward after you spend $15,000 on the card in a calendar year, and a second Free Night Reward after you spend $60,000 in a calendar year

Other Amex Business Cards

While they didn’t make our top 8, American Express offers several other excellent business credit cards. You can learn more about each of them in our dedicated review pages.

Amex Membership Rewards Cards

Amazon Business Cards

Delta Business Cards

Lowe’s Business Rewards Card from American Express

How To Select a Business Credit Card

Business Card Basics

  • Your personal credit plays a significant role in whether you’re approved for a business credit card, so you need to provide this information when applying for a business credit card.
  • Credit limits and APRs may be higher for business credit cards than for personal credit cards.
  • The CARD Act does not apply to business cards. The Federal Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009 protects consumers from credit card company practices Congress deemed predatory. The act does not cover business credit cards, so they may be less consumer-friendly, although some card issuers now voluntarily include CARD protections for their business cards.

Narrow Your Business Card Options by Answering These Questions

  • In which category of business expenses does my business spend the most? Knowing where most of your company’s money is going is critical to maximizing the benefits of any business rewards-earning credit card.
  • Does my business involve frequent travel?  Does your business purchase airline tickets frequently, or are you a road warrior who spends a lot at gas stations and hotels? Perhaps you work out of your home and have no travel expenses at all. That can play a big part in determining which card is right for you.
  • Would my business benefit more from cash-back or travel rewards? Do I want cash to reinvest back into my business, or is earning travel rewards the priority? Even if your business doesn’t involve travel, you might want to use the miles or points earned on your business expenses to fund a family vacation.
  • Am I comfortable paying an annual fee? Will the credit card deliver enough benefits to your business to offset any annual fee, or would you prefer a card with no annual fee?

Which Types of Businesses Qualify for a Business Credit Card?

The IRS defines a business as an activity “carried on with the reasonable expectation of earning a profit.” Still, credit card issuers have their own criteria for approving business credit card applications.

Some issuers want to see tax returns that show your business operation, and others find a small side gig with little income to be a perfectly acceptable business operation.

The stronger your personal credit history, the more likely you are to be approved for a business credit card, even if your business is just starting out.

Bottom Line: You need a strong personal credit history to get approved for a business credit card because you will be personally responsible for paying your business credit card.

How To Apply for an American Express Business Credit Card

Before completing a business credit card application, gather the information you need to complete the application accurately:

  • The name of your business (this can be your name or another legal name)
  • The type of business entity (sole proprietor, partnership, S corporation, limited liability company)
  • The business tax ID number (either an Employer Identification Number or your own Social Security number)
  • The number of years you’ve been in business
  • Total business revenue and total personal income: It’s fine to put zero if your business has no income yet
  • Address of the business (can be the same as your personal address) and phone number
  • Type of business and subtype of business (for example, services and accounting services)
  • Number of employees
  • Additional personal information

Here are tips for completing the business credit card application to increase your chances of approval:

  • Complete the application as accurately as possible, even if you have to estimate some of the numbers or generalize the nature of your business. Keep notes on why you answered a question a certain way and what your process was for estimating any business revenue or personal income.
  • Keep a copy of the application. If American Express needs more information before approving you for one of their credit cards, you want to be able to refer to your application and any notes you made during any follow-up conversations.
  • Document the offer you’re applying for. For example, if you’re applying for an offer that gives 50,000 points after spending $3,000 in the first 3 months, make sure you have a screenshot or other documentation if, for any reason, the points don’t show up.

How To Choose an American Express Business Card

Choosing which American Express business card is right for you comes down to what benefits and bonus categories you’re looking for in a new card, as well as whether you’re willing to pay an annual fee for those perks.

If you’re looking for a premium business credit card that is great for travel and offers access to airport lounges, you should consider the Amex Business Platinum card. On the other hand, if your business has large expenses and you’re looking to earn as many points as possible, then the Amex Business Gold card might suit you better. If you don’t need all the bells and whistles and just want a great cash-back credit card with no annual fee, then you might want to go for the Amex Blue Business Cash card.

There really is no right or wrong. Consider your business needs, what you spend the most on, the specific benefits you are looking for, and then decide from there.

What Credit Score Do I Need for an Amex Business Card?

No set credit score will guarantee your approval for any Amex business card. Additionally, your credit score is only 1 factor among many in your application decision. American Express also considers your business income, years of credit history, history with American Express, and more.

That said, most business owners who have a credit score of 670 or higher usually have good approval odds for Amex business cards.

How Long Does It Take for an Amex Business Card Application To Be Approved?

You may be approved or denied instantly. But American Express may also require additional time to review your application. They may even need to contact you for further details. In these instances, it is usually no more than 7 to 14 days until you receive a decision.

How Many Amex Business Cards Can I Have?

American Express allows you to hold up to 5 Amex credit cards at once, whether they are personal or business cards. That said, there have been instances of people being approved for more than 5 Amex credit cards in the past, so your mileage may vary.

Additionally, historically, hybrid cards that offer the pay-over-time payment method haven’t counted toward the 5-credit-card limit. These cards include:

  • Amex Business Platinum card
  • Amex Business Gold card
  • The Platinum Card® from American Express
  • American Express® Gold Card
  • American Express® Green Card

How Much Are Amex Points Worth?

This is entirely subjective and largely depends on how you plan to redeem your points. If you use your points as cash-back to cover your charges, you only receive a rate of 0.6 cents per point.

Redeeming points for gift cards or paying with points through American Express Travel usually offers up to 1 cent per point in value. However, those who hold the Amex Business Platinum card can take advantage of the 35% rebate for paying with points on select flights through Amex Travel — offering a redemption value of 1.54 cents per point.

That said, at Upgraded Points, we value Amex points at 2.2 cents per point, thanks to the value you can receive via the Amex transfer partners.


Hot Tip:

Are American Express Cards the Best Business Credit Cards?

American Express offers some of the best business credit cards, thanks to its combination of a flexible rewards program, useful bonus categories, great perks, and card protections.

However, whether a card is best for you depends on what you want and need in a new business card. We highly recommend you consider all of your options from a variety of banks to ensure that you’re picking the card best suited for your needs.

Business Credit Cards vs. Personal Credit Cards

You may wonder if you need a business credit card for your startup or small business. You may not be generating a lot of profit starting out, and you’ve probably been able to get by using your personal credit card for your business expenses.

The most important reason to use a business credit card is to keep business expenses separate from personal expenses.

The easiest way to do that is to put all your business expenses on a business credit card. Separating your expenses can be especially important when it comes time to complete your annual tax return and add up your business expenses for the year or in case you face an audit.

You should open a separate bank account for your business even before applying for a business credit card. Using funds from your business bank account to pay your business expenses on a credit card is prudent.


Hot Tip:

Another reason to secure a business credit card is that they frequently offer perks for businesses, have business cash management tools, offer higher credit limits, and reward business-category spending more than personal cards.

Deciding Between an American Express Business Charge Card and a Business Credit Card

You should know the difference between a business charge card and a business credit card to decide which card matches your business spending patterns — and which will bring the most value to your bottom line.

An Amex business credit card allows you to carry a balance from one statement period to another. When your statement period ends, you will be charged interest on any balance remaining on the card.

charge card requires the balance to be paid off in full each statement period, as charge cards do not typically allow a balance to be carried over to another statement period.

The Amex Plum card lets you carry over a balance, but this is the card’s key feature and is stated up front. Each card has different requirements, and the card issuer must initiate the opportunity to carry over a balance.

Charge cards usually have no preset spending limit, although that does not mean you have an unlimited credit limit. The credit card issuer determines your limit based on how you manage the card.

Hot Tip: For more information on this topic, check out this article dedicated to the differences between charge cards and credit cards. 

How We Selected Our List of Best Amex Business Credit Cards

We use several factors to determine our choices for the best Amex Business cards. The most important included card benefits, earnings structure, credit card bonus offers, fees, and redemption value.

Here is some insight into our thought process when selecting the best travel rewards cards:

Associated Card Benefits

The top Amex business cards offer benefits that can make your travel more comfortable, save you money, or provide protection should something go wrong. Benefits such as worldwide lounge access, statement credits, elite hotels, airline benefits or status, and travel insurance are just some examples of perks we look for.

Earnings Structure

We look for cards offering bonus earnings on items your business likely spends the most on. Whether that’s advertisement spending, utilities, gas, or even a flat rate on all purchases, these cards make it easy to accumulate rewards on all of your business expenses.

Welcome Bonus Offers

A card’s welcome bonus offer is a unique opportunity to earn a large number of rewards in a short period. These offers play a huge role when we recommend a travel rewards card. We provide you with the current welcome bonus offer information available to us for each card, but you should always confirm the welcome bonus offer and review any earnings offers before applying for a card.

Fees

The best Amex business cards come with premium benefits, but you also pay a higher annual fee for those benefits. It’s important that the benefits offered by a business credit card could potentially offset any annual fee you’ll be paying.

Redemption Value

A card scores high with us if it earns flexible rewards that allow for several options at redemption time. The best Amex business cards let you redeem points directly for travel, provide a bonus for rewards redeemed via a travel portal, allow you to redeem rewards for statement credits for travel purchases, or allow you to transfer rewards to airline and hotel partners to receive the greatest potential value.


Hot Tip:

Final Thoughts

American Express offers more business credit cards than you could use in your lifetime. Their business credit cards are generally strong contenders against other credit cards in their categories, so an American Express business credit card can be a good choice.

Of course, a prudent business owner compares cards before making a decision. We can speed up that process with our comprehensive list of the best business cards for cash-back, rewards, and more.

You’ll find a selection of business credit cards for every type of business operation and confirmation that American Express is a rock star among issuers in the business credit card world.


For the purchase protection benefit of The Plum Card® from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Plum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Amazon Business American Express Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Business Centurion® Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Business Platinum Card® from American Express, click here.
For rates and fees of the American Express® Business Gold Card, click here.
For rates and fees of The American Express Blue Business Cash™ Card, click here.
For rates and fees of The Blue Business® Plus Credit Card from American Express, click here.
For rates and fees of The Plum Card® from American Express, click here.
For rates and fees for the Delta SkyMiles® Reserve Business American Express Card, click here.
For rates and fees of the Marriott Bonvoy Business® American Express® Card, click here.
For rates and fees of The Hilton Honors American Express Business Card, click here.
For rates and fees of the Amazon Business Prime American Express Card, click here.
For rates and fees of the Delta SkyMiles® Gold Business American Express Card, click here.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, click here.
For the rates and fees of the Lowe’s Business Rewards Card from American Express, click here.

link