Compare top American Express business cards | finder.com

Compare top American Express business cards – October 2018

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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 October 15th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
13.24%, 17.24% or 21.24% variable
0% for the first 15 months (then 13.24%, 17.24% or 21.24% variable)
$0
Earn 2X Membership Rewards® points on everyday business purchases up to $50,000 with no category restrictions.
20.24% variable
$0 annual fee for the first year ($175 thereafter)
Earn 50,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
None (Charge Card)
$0 annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 days with no interest.
20.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn Membership Rewards® points when you make purchases on your Card.
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 100,000 Bonus Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 10/31/2018.
17.74%, 21.74% or 26.74% variable
0% for the first 6 months (then 17.74%, 21.74% or 26.74% variable)
$195
Earn 50,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
17.74%, 21.74% or 26.74% variable
0% for the first 6 months (then 17.74%, 21.74% or 26.74% variable)
$450
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $5,000 in purchases on your new Card in your first 3 months.
17.74%, 21.74% or 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months. Special Offer Expires: 9/19/2018
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases within the first 3 months of Card Membership.
17.74%, 21.74% or 26.74% variable
$0
Use this Card to receive points you can redeem for gift cards and more to use towards business expenses.

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Best American Express credit cards

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

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

Business Platinum® Card
Business Platinum Card® from American Express

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 $450 annual fee, 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

Gold Delta SkyMiles® Business Credit Card
Gold Delta SkyMiles® Business Credit Card

The Gold Delta SkyMiles® Business Credit Card 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®

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: Starwood Preferred Guest® Business Credit Card

Starwood Preferred Guest® Business Credit Card
Starwood Preferred Guest® Business Credit Card

Business owners who frequently stay at Starwood Preferred Guest® Credit Card from American Express (SPG®) or Marriott Rewards® 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 more than 1,500 hotels and resorts across 100 countries.

The rewards structure will change in August 2018, when SPG®, Marriott Rewards® and The Ritz-Carlton Rewards® merge into one loyalty program, which will allow 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
SimplyCash® Plus Business Credit Card from American Express

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 the 5% cash back a great value for your business. You’ll also get 3% cash back on a category of your choice, and 1% cash back on all other purchases.

The 5% and 3% cash back applies up to $50,000 annually. After that, the cashback rate drops to 1%.

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: Blue Business℠ Plus Credit Card

The Blue Business℠ Plus Credit Card has one of the longest intro APR periods on purchases and balance transfers — 0% for the first 15 months after opening your account. The rate reverts to a variable APR of 13.24%, 17.24% or 21.24% 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

For businesses looking for payment flexibility with a 60-day grace period 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

Businesses with more than 50 employees or with an annual revenue of more than $20 million could find the Business Green Rewards Card 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 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 comes with a great 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 $450 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 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 Starwood Preferred Guest® Business Credit 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.

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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.

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.

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.

Frequently asked questions

Kliment Dukovski

"Kliment Dukovski is a writer for finder.com. He specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information that will help you make the right financial decision. When he's not writing about finance-related subjects he writes sci-fi stories."

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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