Compare top American Express business cards | finder.com

Compare top American Express business cards

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Finding the right business card can save you lot of money in the long run.

American Express offers one of the largest varieties of business credit cards and charge cards in the industry. For your convenience, we’ve selected the best cards in their particular categories. However, that doesn’t mean that the other Amex business cards aren’t valuable — for your specific business needs, some of the other cards may prove to be just as good as the ones we’ve covered here.

Compare American Express business credit cards

Updated April 25th, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
5x points on flights and prepaid hotels through Amex Travel, 1.5x points if you spend $5,000 on a single eligible purchase on up to 1 million additional points per year and 1x points on all other purchases
None (Charge Card)
$595
Earn 50,000 points after spending $10,000 and an extra 25,000 points after spending an additional $10,000 on purchases in the first 3 months from account opening.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
4x points on two categories on up to $150,000 in combined purchases annually, then 1x points after that and on all other purchases
16.49%, 20.49% or 24.49% variable
$295
Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of card membership.
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back.

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Best American Express credit cards

American Express cards fall into several categories, each with benefits and potential drawbacks to consider.

We looked at several factors when ranking the American Express business cards, including the available reward categories among cards, points or cashback earned per dollar spent, available redemption options, average value per point spent, annual and balance transfer fees, APRs and other perks or benefits that business owners might find appealing in a credit card. The Amex cards with standout performance in a given category were chosen for our highlights.

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Best business card for travel rewards: The Business Platinum® Card from American Express

The Business Platinum® Card from American Express

  • Welcome offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of card membership.
  • Get 5x Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more.
  • You can get up to 1 million additional points per year.
  • 35% airline bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019.
  • Terms apply
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Small to midsize business owners who want to enjoy the ultimate luxury benefits while traveling could find The Business Platinum® Card from American Express to be a great choice. With a $595 annual fee (see Rates & Fees ), this is one of the most expensive Amex business cards to own, but if you’re a frequent traveler, it’ll be worth it.

You’ll get benefits at hotels and resorts from Starwood, Hilton and Fine Hotels and complimentary access to The American Express Global Lounge CollectionSM. Not to mention, you’ll earn the highest number of membership points offered by a small business Amex card when booking airfare and prepaid hotels through American Express Travel.

Best business card for airline rewards: Gold Delta SkyMiles® Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

  • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new card within your first 3 months.
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95. Terms and limitations apply
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The Gold Delta SkyMiles® Business Credit Card from American Express is an Amex small business credit card made for those who travel on Delta Air Lines but don’t spend more than $25,000 a year. You still get to enjoy frequent flyer benefits, such as getting your first checked bag free, priority boarding and earning Delta miles, but it’ll cost you less to own the card.

Best business card for the ultimate airline rewards: Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card

  • Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases with your new card in your first 3 months.
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your card in the calendar year.
  • Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you spend overseas.
  • Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit.
  • Terms and limitations apply
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For the business owner who spends more than $30,000 a year on air travel, the Delta Reserve for Business Credit Card could be the right choice. You get a decent welcome offer, free access to Delta Sky Clubs and can earn Medallion Qualification Miles (MQMs) faster, which you can use toward earning a Medallion Status for comfort and luxury benefits when flying Delta.

Best business card for hotel rewards: Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

  • Limited time offer: Earn 100,000 bonus Marriott Bonvoy points after you use your new card to make $5,000 in purchases within the first 3 months. Offer ends 04/24/2019.
  • 6x points at participating Marriott Bonvoy hotels.
  • 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
  • 2x points on all other eligible purchases.
  • Receive 1 Free Night Award every year after your card account anniversary.
  • Plus, earn an additional Free Night Award after you spend $60K in purchases on your card in a calendar year.
  • Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your card in a calendar year.
  • Terms apply.
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Business owners who frequently stay at Marriott Bonvoy properties would find this card to be of great value. The card’s welcome offer is easy to earn, plus you get to earn points you can redeem at participating hotels.

The rewards structure changed in August 2018, when SPG®, Marriott Rewards® and The Ritz-Carlton Rewards® merged into one loyalty program, which allows you to earn even more points for every purchase you make.

Best business card for cashback rewards: SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express

  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.49% - 21.49%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *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
  • Terms apply
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For small businesses that usually spend up to 50,000 a year on office supplies and wireless telephone services from US providers, you’ll find this card’s accelerated cash back categories a great value for your business.

In addition, you get a great introductory APR on purchases, which is helpful if you need to make a large purchase for your business and don’t want to pay interest for a limited period. As a bonus, you don’t have to pay an annual fee to own this card.

Best business card for balance transfers: The Blue Business‎℠ Plus Credit Card from American Express

The Blue Business‎℠ Plus Credit Card from American Express

  • Get rewarded for business as usual. 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.
  • Enjoy the flexibility to put more purchases on the card and earn rewards when you buy above your credit limit*.
  • You’ve got the power to use your card beyond its credit limit* with Expanded Buying Power.
  • More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening.
  • Terms apply
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The Blue Business‎℠ Plus Credit Card from American Express has a strong intro APR periods on purchases and balance transfers — 0% for the first 12 months after opening your account (see Rates & Fees ). The rate reverts to a variable APR of 15.49%, 18.49% or 21.49% after that.

If you get a low credit line, don’t worry — the card allows you to make purchases above your credit limit. Plus, for every purchase you make up to 50,000 per year, you earn 2x membership rewards points. Once you reach the cap, you earn 1x membership rewards points.

Best business card for flexible payment options: The Plum Card® from American Express

The Plum Card® from American Express

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional employee cards at no annual fee – and an early pay discount on employee spending.
  • No foreign transaction fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & restrictions apply.
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For businesses looking for payment flexibility with a 60-day grace period (see Rates & Fees ) for purchases instead of the usual 25 days, The Plum Card® from American Express may be the best choice. In addition to the extra interest-free time, you get a 1.5% discount if you pay within 10 days of the closing date. This comes out to $3,600 per year in cash back if your monthly expenses are $20,000.

Best corporate card: Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

  • Earn 5,000 Membership Rewards® points after your first purchase on the card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & limitations apply
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Businesses with more than 50 employees or with an annual revenue of more than $20 million could find the Business Green Rewards Card from American Express to be an excellent business companion. Depending on your annual income and company needs, you can get a tailored corporate program designed with the help and expertise of an American Express representative.

The Business Green Rewards Card from American Express is good for employees who occasionally travel and have everyday business expenses. Once you enroll in the membership rewards program, your company will earn membership points, which you can redeem for travel, shopping and more.

How to compare American Express business credit cards

Each Amex card is tailored for a specific business — if you fall into one of the categories, you’ll get to reap the benefits.

Here are some things to consider when deciding on the right card for your business:

  • What do you spend most money on? For businesses that require frequent and large purchases of office supplies, the SimplyCash® Plus Business Credit Card from American Express, which comes with a strong cashback rate on office supplies and another business category of your choosing, could be a great choice.
  • Does your company need to make a balance transfer? If you want to transfer your balance from another non-American Express account, The Blue Business‎℠ Plus Credit Card from American Express comes with an introductory APR on purchases and balances transfers.
  • How often do you travel? The Business Platinum® Card from American Express is the ultimate travel rewards card, but if you don’t travel as much, then you won’t get to use any of its perks and you’ll pay the annual fee of $595 for nothing.
  • How often do you fly? Suppose you fly occasionally with Delta Air Lines but you don’t visit Delta Sky Clubs® every time you travel. In that case, the Gold Delta SkyMiles® Business Credit Card from American Express will be worth more to you than the Delta Reserve for Business Credit Card. On the other hand, if you travel every month and want to enjoy luxury and comfort, the Delta Reserve for Business Credit Card may be the superior choice.
  • Do you often stay at Starwood and Marriott hotels? If that’s the case, the Marriott Bonvoy Business™ American Express® Card would help you earn free nights and complimentary benefits every time you visit one of their 1,500 locations worldwide. Plus, you can use Starpoints to pay for flights.
  • Does your company have more than 50 employees? American Express offers tailored credit card programs for large businesses to help you make the most of your card. One of the best Amex business cards that can help you manage your expenses is the Business Green Rewards Card from American Express.

Why choose an American Express business credit card?

  • No preset spending limits. Amex small business charge cards have no preset spending limits. This gives you increased spending power, which adjusts based on your payment history, credit report and other factors determined by American Express.
  • Expense and management tools. Small business cards from American Express OPEN® come with a set of tools that help you track and manage your expenses. Also, you can send transactions directly to your QuickBooks account.
  • Payment flexibility. Get deferred no-interest payment of up to 60 days when you pay at least 10% of your balance — ideal for companies that have cashflow issues.
  • Employee cards. Earn more rewards and cash back with additional employee cards — depending on the card you choose, you can get additional cards for free. Set up spending limits for your employees and track their spending.
  • Travel protection. Get travel insurance in case of accidental death and dismemberment, car rental insurance against damage or theft and baggage insurance up to $1,250 for carry-on baggage and up to $500 for checked baggage.
  • Roadside and global assistance. Every time you need assistance on the road, whether it’s for a tire change or towing, call the roadside assistance hotline and they’ll send help. When traveling more than 100 miles from home, you get 24/7 access to medical, legal and other emergency services you may need.
  • Amex® app. Download the Amex app and manage your American Express business account online.

Some of these features aren’t available to all American Express business cardholders.

Amazon Business Prime American Express Card

Does American Express report business card activities to credit bureaus?

American Express doesn’t report your business card’s activity to any credit bureaus. However, if you haven’t paid your balance in six months, American Express will notify the credit bureaus.

Read the Amazon Business American Express Card review

Compare business credit cards

Updated April 25th, 2019
Name Product Rewards Purchase APR Annual Fee
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
2x points on everyday business purchases on up to $50,000 annually, then 1x points
15.49%, 18.49% or 21.49% variable
$0
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
3x on travel, shipping, Internet, cable, phone and online ads up to $150,000 combined annually; then 1x after and on all other purchases
18.24% to 23.24% variable
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
5% on office supplies, Internet, cable and phone up to $25,000 combined annually; 2% on gas and dining up to $25,000 combined annually; 1% on all other purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
1.5% cash back on all purchases
15.49% to 21.49% variable
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening

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Bottom line

American Express offers a variety of business cards to fulfill your needs. Among them, you’ll find a decent no-annual-fee cashback card and one with a 60-day grace period to help you pay your balance when cash flow is an issue.

For frequent travelers, you can choose between general travel rewards cards, where you get to earn points that are redeemable for several types of rewards, or you can get a specific frequent flyer card for Delta Air Lines. For businesses loyal to a certain brand of hotels, you’ll find Starwood and Hilton cards that offer free nights and complimentary benefits.

Aside from the specific card perks, with every Amex small business card you get travel insurance, car rental insurance and baggage coverage. And expense and management tools can help you track your employee spending and set spending limits.

As always, compare your credit card options to choose the one that best suits your business’s needs.

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