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.
Best American Express credit cards
American Express cards fall into several categories, each with benefits and potential drawbacks to consider.
Jump to …
Best business card for travel rewards: 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 more than 1,100 airport lounges. 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
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
Business owners who frequently stay at Starwood Preferred Guest® (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
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 12.99%, 16.99% or 20.99% 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.
Compare American Express business cards
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.
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.