Compare American Express business credit cards

American Express offers credit and charge cards for business customers, offering the chance to monitor spending and attain rewards while spending.

Browse card range Amex business benefits
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Compare American Express business cards

Table: sorted by representative APR, promoted deals first
6 of 6 results
Updated daily
Purchases Annual / Monthly fees Rewards earn rate Representative APR Key benefit Representative example
29.1% (applies if you use the Flexible Payment Option )
Year 1 - £0, Year 2 onwards - £195
1 point per £1 spent
N/A (this product is not a credit card).
Earn 40,000 Membership Rewards points + a £100 Selfridges eGift Card when you spend £6,000 in your first three months of Cardmembership. Eligible new Cardmembers only. Offer ends 12 January 2027. T&Cs apply.
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American Express® Business Platinum Card image
American Express® Business Platinum Card
Finder AwardOffer
29.1% (applies if you use the Flexible Payment Option )
£650 per annum
1 point per £1 spent
N/A (this product is not a credit card).
Earn 100,000 Membership Rewards points + a £150 Selfridges eGift Card when you spend £12,000 in your first three months of Cardmembership. Eligible new Cardmembers only. Offer ends 12 January 2027. T&Cs apply.
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British Airways American Express® Accelerating Business Card image
British Airways American Express® Accelerating Business Card
Finder Award
26.6%
£250 per annum
1.25 Avios per £1 spent
104.9% APR (variable)
Earn 30,000 bonus Avios points when you spend £5,000 in first 3 months of Cardmembership. Terms apply.
Representative example: When you spend £1,200 at a purchase rate of 26.6% (variable) p.a. with a fee of £250 per annum, your representative rate is 104.9% APR (variable).
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The American Express Business Basic Card image
The American Express Business Basic Card
Finder Award
N/A (this product is a charge card).
£0
N/A
N/A (this product is a charge card).
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Amazon Business American Express Card image
Amazon Business American Express Card
Finder Award
27.3%
Year 1 - £0, Year 2 onwards - £50 per annum
1.5 points per £1 spent with selected partners, 0.5 per £1 elsewhere
38.6% APR (variable)
Earn 1.5% Amazon Rewards on the first £120,000 in purchases each calendar year, 1% thereafter at Amazon.co.uk, Amazon Business UK and Whole Foods Market UK, or 60 day extended payment terms on such purchases. Earn 0.5% Amazon Rewards on all other purchases.
Representative example: When you spend £1,200 at a purchase rate of 27.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 38.6% APR (variable).
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Amazon Business Prime American Express Card image
Amazon Business Prime American Express Card
Finder Award
28.3%
£50. No annual fee for your first year or if you spend £8,000 or more on the Card each year.
2 points per £1 spent with selected partners, 0.5 per £1 elsewhere
39.7% APR (variable)
Earn 2% Amazon Rewards for every £1 spent on selected Amazon purchases and 0.5% Amazon Rewards for every £1 spent on all purchases elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 28.3% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £50 per annum, your representative rate is 39.7% APR (variable).
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Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow. Most of the data in Finder's comparison tables is provided by Defaqto.

What do American Express business credit cards offer?

American Express business credit and charge cards offer you the opportunity to manage your company’s cash flow while earning rewards for your spending. You’ll accrue Membership Rewards points while you spend, and potentially also lucrative welcome bonuses and anniversary bonuses too. The points can be redeemed against offers in the app or simply against purchases you make using the card.

What's the difference between a charge card and credit card?

With a charge card, you are expected to clear your balance in full every month. As such, these cards don’t charge interest, although there are usually harsh fees if you fail to clear your balance. The benefits of charge cards include flexibility over payments (purchases at the start of the billing cycle are paid for at the end of the billing cycle) and in some cases, rewards on your spending. Charge cards can come with a monthly or annual fee attached, however, and do not offer purchase protection under section 75 of the Consumer Credit Act.

While charge cards are fairly rare in the consumer space, they are more prevalent in business banking.

American Express business cards features and benefits

American Express offers a range of benefits to all business card customers, including:

  • Business account management. Amex’s 24-hour online business account management lets you check your balance, payments, past statements and keep track of all business purchases made on your Account.
  • Membership Rewards. Earn one point on every full £1 you spend and redeem for a variety of rewards to reinvest in your business or to treat yourself or your employees.
  • Cash flow management. Up to 42 or 54 days, depending on your card.
  • Complementary supplementary cards. Available to Platinum and Gold business charge cardholders.
  • No pre-set spending limit. As with all charge cards, there is no credit limit as you are expected to pay off your balance in full every billing cycle.

How to compare American Express business cards

When comparing American Express business charge cards, think about what your company needs.

If you’re starting out and want to avoid fees, then the Basic card could be a handy way to take advantage of Amex’s business tools while keeping costs down.

However, if you want rewards for your spending, such as points and travel benefits, including free airport lounge access, a concierge and insurance, it would be worth considering the Gold or Platinum charge card.

What do customers say about American Express?

83% of customers we surveyed in 2026 would recommend American Express to a friend.

It's highly regarded for its premium business cards and exceptional reward schemes, particularly the ability to earn air miles and companion vouchers for business travel. Users appreciate the intuitive app, durable card design, and the brand's strong heritage.

The primary drawback, as is standard with the brand, is that the card is not accepted by all retailers, and a few users found the initial setup slightly confusing.

AI-generated summary from the text of customer reviews on Finder.

American Express and Finder Awards

Finder Awards logo

Our Finder Awards celebrate brands that truly stand out in their field. American Express is one of these brands and has won multiple awards!

  • 2025 Provider of the Year Award (Rewards Credit Card)
  • 2025 Provider of the Year Award (Business Charge Card)

Contact American Express’ customer support

For any queries, ring your card’s telephone number as found below:

British Airways American Express® Accelerating Business Card 0800 917 8043
American Express® Business Platinum Card 0800 917 8043
American Express® Business Gold Card 0800 917 8043
American Express® Business Basic Card 0800 917 8043
Amazon Business Prime American Express® Card 0800 731 0146
Amazon Business American Express® Card 0800 731 0146

Overview of American Express business credit cards

Lowest representative APR 39.7%
Lowest cash advance 31.8%
Highest credit limit £0
Highest cashback earn-rate No cashback available
Highest introductory bonus offer 100,000 points

Frequently asked questions

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 502 Finder guides across topics including:
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