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Compare American Express business cards

Earn cash back, partner rewards and more with this suite of small business credit and charge cards.


Amex’s small business division, formerly labeled American Express OPEN, offers the largest selection of small business cards. These cards come with card-specific perks and rewards on top of industry-leading customer service features.

In addition, you’ll get access to Amex events that’ll give you insight and guidance on how to grow your business and close deals with the US government.

Compare American Express business credit cards

American Express has a veritable fleet of small business credit card options. You can choose from charge cards, cashback cards, frequent flyer cards, hotel cards and general travel rewards cards, depending on your business needs.

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
American Express Blue Business Cash™ Card
2% cash back on all purchases on up to $50,000 per calendar year, then 1%
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Earn 2% cash back on all purchases on up to $50,000 per calendar year, then 1%. Rates & fees
The Business Platinum Card® from American Express
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
Earn 75,000 points after spending $15,000 on purchases in the first 3 months from account opening. Rates & fees
The Blue Business® Plus Credit Card from American Express
2x points on everyday business purchases on up to $50,000 annually, then 1x points
0% intro for the first 12 months (then 13.24% to 19.24% variable)
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions. Rates & fees
American Express® Business Gold Card
4x points on two categories on up to $150,000 combined annually, then 1x points after that and on all other purchases
14.24% to 22.24% variable
Earn 35,000 points after spending $5,000 in the first 3 months from account opening. Rates & fees
The Plum Card® from American Express
1.5% discount when you pay early
$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. Rates & fees

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American Express business cards perks and features

  • Expense management tools. Get access to expense management tools like the American Express® Business App that lets you add tags, notes and receipts to your business transactions and connect your account to QuickBooks accounting software. You can also set account alerts to avoid late payments and monitor your employees’ card use.
  • Rewards. Choose from cashback rewards in the form of statement credit or get membership rewards, which you can redeem for travel, gift cards, merchandise or shopping. You can also get partner rewards from Delta Air Lines, Starwood hotels and Lowe’s stores.

American Express holds events for its members

Several times a year, American Express hosts virtual and in-person conferences and workshops for small business owners. Subjects range from growing your business globally to closing government contracts while listening to industry leaders or participating in interactive workshops.

One of the largest American Express programs is Government Contracting, where you get access to free events, resources and mentoring to help your business get the insight and experience needed to work with the US government. You also get to connect with fellow business owners, decision makers and government resources.

What is American Express OPEN?

American Express OPEN was the name of Amex’s suite of financial products for small businesses. Although now rebranded as American Express Small Business, Amex still offers the same business-focused products and services. With the Amex business cards, you can get cashback rewards, payment flexibility with a grace period of up to 60 days, membership rewards and rewards from Amex travel partners.

Amex is the only small business card issuer that offers charge cards. With this type of card, you can manage your cash flow over short periods of time with a longer grace period. You also have the option to buy above your credit limit because charge cards have no preset spending limit. However, this doesn’t mean you get unlimited spending. Your purchasing power adjusts with your use of the card, your payment history and other factors determined by Amex.

In addition, you have access to the American Express OPEN Forum — a social network where you can connect and get advice from leading business experts.

American Express business credit card customer service

  • Dispute resolution. American Express will help you in case of fraudulent or incorrect charges on your statement.
  • Purchase protection. Get protection against theft or damage for up to 90 days after the date of purchase for items bought with your card.
  • Extended warranty. Extend the warranty up to one additional year on eligible purchases with warranties of five years or less.
  • Roadside and global assist hotlines. Call roadside assistance when you need help with towing, changing a tire or charging your car battery. When you travel, the global assist hotline can help if you lose your passport or need legal, medical or any other emergency services. Keep in mind that you’ll have to pay for third-party service costs when you use the hotline.
  • Travel, car rental and baggage insurance. Get coverage against accidental death and dismemberment when you pay for the entire fare with an American Express small business card. You’re also insured against damage and theft of your rental car, and your baggage is insured in case of loss, damage or theft.

Bottom line

If you want cashback rewards, membership rewards or travel rewards from Amex partners — or if you simply want more payment flexibility with a charge card — consider one of the 12 small business cards offered by Amex.

Otherwise, check out other business credit cards and compare your options to find the best card for your business.

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