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American Express Business Credit Cards and Charge Cards

3 min read
John Ganotis By John Ganotis Sep 24, 2019 | Updated Mar 26, 2020

American Express offers a wide variety of small business cards for people with excellent credit. If you’re interested in consumer cards from American Express, read this page.

Some are business credit cards, while others are charge cards. Chances are there’s an American Express business card that will work to earn rewards on the money your business is already spending, whether you want to earn travel rewards or cash back.

Many of these cards earn Membership Rewards points, which can be transferred to partner loyalty programs as airline miles or hotel points. These points can also be redeemed for gift cards or statement credit, but you’ll usually get less value from them that way.

Most of these American Express cards have a introductory bonus, so you can earn bonus points for spending a certain amount within the first few months of card membership.

You can also get employee cards to earn more rewards and manage employee spending.

Business Charge Cards

There are four Amex business charge cards for small business owners. They’re designed for business travel booked through American Express Travel and earn Membership Rewards points, except for the Plum Card. The Business Green Rewards card is the only one with a foreign transaction fee (Rates & Fees). Since they have no pre-set spending limit, you can use these to earn rewards on big business expenses.

The Business Platinum Card®  from American Express

The Business Platinum Card® from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$595
Regular APRN/A
Apply Now

securely on the issuer's website

  • Earn 75,000 Membership Rewards® points after you spend $15,000 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 an extra half point 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 when you book on amextravel.com.
  • 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.
  • Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to The Business Platinum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

American Express® Business Gold Card

American Express® Business Gold Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$295
Regular APR14.24–22.24% Variable
Apply Now

securely on the issuer's website

  • 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.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.*
  • *Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to American Express® Business Gold Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

The Plum Card® from American Express

The Plum Card® from American Express

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee your first year, then $250
Regular APRN/A
Apply Now

securely on the issuer's website

  • 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.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to The Plum Card® from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee for the first year, then $95
Regular APRN/A
Apply Now

securely on the issuer's website

  • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
  • 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
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to Business Green Rewards Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Card Annual Fee Points Per Dollar
The Business Platinum Card® from American Express (Review) $595 (Rates & Fees)
  • 5X on flights and prepaid hotels booked with Amex Travel
  • 2X on other purchases booked with Amex Travel
  • 1.5X on eligible purchases of $5,000 or more
  • 1X on all other purchases
American Express® Business Gold Card (Review) $295 (Rates & Fees)
  • 4X in the two categories your business spends the most in each month, up to $150,000 per year: Airfare purchased directly from airlines, U.S. advertising in select media, U.S. computer hardware, software, and cloud computing providers, U.S. shipping, U.S. gas stations, U.S. restaurants
  • 2X on eligible purchases at Amex Travel
  • 1X on all other purchases
The Plum Card® from American Express (Review) $0 introductory annual fee your first year, then $250 (Rates & Fees)
  • Does not earn Membership Rewards points
  • 1.5% discount when you pay your bill within 10 days of statement closing date
  • 60 days to pay off your balance after statement closing date
Business Green Rewards Card from American Express (Review) $0 introductory annual fee for the first year, then $95
  • 2X on eligible purchases from Amex Travel
  • 1X on all other purchases

Business Credit Cards

Amex offers two business credit cards, and the main difference is their rewards programs. Neither has an annual fee, but both have a 2.7% foreign transaction fee.

For Earning Membership Rewards Points

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual FeeNo annual fee
Regular APR13.24–19.24% Variable
Apply Now

securely on the issuer's website

  • 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 from the date of account opening, then a variable rate, 13.24%-19.24%, based on your creditworthiness and other factors at account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to The Blue Business® Plus Credit Card from American Express has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

For Earning Cash Back

American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual FeeNo annual fee
Regular APR13.24–19.24% Variable
Apply Now

securely on the issuer's website

  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, 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 from the date of account opening, then a variable rate, 13.24%, 16.24%, or 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to American Express Blue Business Cash™ Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Co-Branded Credit Cards

American Express offers several co-branded cards in partnership with other brands, including Amazon, Delta, Hilton hotels, Marriott hotels, and Lowe’s home improvement stores.

Amazon

Amex offers two co-branded Amazon business credit cards — one for regular Amazon customers, and one for Amazon Prime members. The regular card provides 3% cash back for Amazon services and at Whole Foods Markets, while the Prime card provides 5% cash back for those purchases. Each card also has several other 2% cash back bonus categories.

Amazon Business American Express Card

Amazon Business American Express Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.24%–23.24% Variable
Apply Now

securely on the issuer's website

  • 3% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market
  • 2% cash back at U.S. restaurants, gas stations, and wireless telephone services
  • Option to take 60 days to pay for Amazon purchases, interest free, instead of earning cash back
  • $100 Amazon gift card upon account approval
  • Amazon Business enhanced data views
  • Discounts at select merchants through Amex Offers
  • Shopping and travel protections
  • No foreign transaction fees
  • No annual fee

The information related to Amazon Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.24%–23.24% Variable
Apply Now

securely on the issuer's website

  • 5% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market
  • 2% cash back at U.S. restaurants, gas stations, and wireless telephone services
  • Option to take 90 days to pay for Amazon purchases, interest free, instead of earning cash back
  • $125 Amazon gift card upon account approval
  • Amazon Business enhanced data views
  • Discounts at select merchants through Amex Offers
  • Shopping and travel protections
  • No foreign transaction fees
  • No annual fee

The information related to Amazon Business Prime American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Delta

American Express and Delta offer a wide variety of cards at different annual fees. At the highest end, the Delta Reserve comes with airport lounge access and several other extra benefits. Otherwise, the main differences are how the cards earn rewards and how many bonus miles you can get when you spend on the card within the first few months of card membership.

Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$550
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Welcome Offer: Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.
  • With Status Boost™, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your new Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
  • Complimentary Delta Sky Club® Access and complimentary access to The Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express Credit Card.
  • After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. Eligible purchases after spending $150,000 do not include Delta purchases. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
  • Pay no foreign transaction fees when you spend overseas.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
  • Terms and limitations apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to Delta SkyMiles® Reserve Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Delta SkyMiles® Platinum Business American Express Card

Delta SkyMiles® Platinum Business American Express Card

Our rating
Min. credit levelExcellent
Details
(Rates & Fees)
Annual Fee$250
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Welcome Offer: Earn 45,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in the first 3 months. Plus, earn a $100 Statement Credit after your first Delta purchase on your new Card in the first 3 months.
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
  • Get closer to status with Status Boost™. Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
  • Terms and limitations apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to Delta SkyMiles® Platinum Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$0 introductory annual fee for the first year, then $99
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Welcome Offer: Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months.
  • Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
  • Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
  • Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
  • Pay no foreign transaction fees when you travel overseas.
  • $0 introductory annual fee for the first year, then $99.
  • Terms and limitations apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to Delta SkyMiles® Gold Business American Express Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Card Annual Fee
Delta SkyMiles® Reserve Business American Express Card $550 (Rates & Fees)
Delta SkyMiles® Platinum Business American Express Card (Review) $250 (Rates & Fees)
Delta SkyMiles® Gold Business American Express Card (Review) $0 introductory annual fee for the first year, then $99 (Rates & Fees)

Hilton Hotels

If you stay at Hilton hotels frequently, this card makes it easy to rack up Hilton Honors points as well as some other perks at Hilton hotels.

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$95
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to The Hilton Honors American Express Business Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Marriott Hotels

If you frequently spend and stay at Marriott hotels, this card can be quite valuable for earning points.

Marriott Bonvoy Business™ American Express® Card

Marriott Bonvoy Business™ American Express® Card

Our rating
Min. credit levelGood
Details
(Rates & Fees)
Annual Fee$125
Regular APR15.74–24.74% Variable
Apply Now

securely on the issuer's website

  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 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.
  • See Rates & Fees

American Express is a Credit Card Insider advertiser.

The information related to Marriott Bonvoy Business™ American Express® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Lowe’s Home Improvement Stores

If your business spends at Lowe’s frequently, this no annual fee card could save you lots of money (5% off at Lowe’s) and earn you rewards.

Lowe's Business Rewards Card

Lowe's Business Rewards Card

Our rating
Min. credit levelFair
Details
Annual Fee$0
Regular APR16.74%–25.74% Variable
Apply Now

securely on the issuer's website

  • 3X points per dollar spent on restaurants, office supply stores, and wireless telephone services in the U.S.
  • 2X points per dollar spent at Lowe’s
  • 1X point per dollar spent on all other purchases
  • $100 cash back after card approval
  • 5% off every day on eligible Lowe’s purchases
  • There is no limit to the amount of points you can earn
  • Get discounted delivery with Lowe’s ProServices
  • 0% introductory APR for purchases for 6 months, and then your rate will be 16.74%–25.74% Variable
  • No annual fee

The information related to Lowe's Business Rewards Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Amex Business Card Features

Benefits

American Express business cards have access to a suite of Amex business benefits, which include:

  • Employee cards: To help manage spending and maximize rewards
  • Account Manager: Designate a trusted account manager to handle your business card account
  • American Express Business App: For help managing your card expenses and tracking receipts
  • Connect to Quickbooks: Transfer data from your Amex statement directly into Quickbooks
  • Year-end Summary: See a complete summary of all your spending for the year, broken down into categories
  • 24/7 Business Customer Support: Call to speak with a business specialist, trained to help with your business needs

For rates and fees of the Delta SkyMiles® Gold Business American Express Card, please click here.

For rates and fees of the American Express Blue Business Cash™ Card, please click here.

For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here.

For rates and fees of The Hilton Honors American Express Business Card, please click here.

For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of The Plum Card® from American Express, please click here.

For rates and fees of The Business Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

For rates and fees of the Business Green Rewards Card from American Express, please click here.

Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.

The information related to The Business Platinum Card® from American Express, American Express® Business Gold Card, The Plum Card® from American Express, Business Green Rewards Card from American Express, The Blue Business® Plus Credit Card from American Express, American Express Blue Business Cash™ Card, Amazon Business American Express Card, Amazon Business Prime American Express Card, Delta SkyMiles® Reserve Business American Express Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Gold Business American Express Card, The Hilton Honors American Express Business Card, Marriott Bonvoy Business™ American Express® Card, and Lowe's Business Rewards Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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