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American Express Business Credit Cards and Former Charge Cards
3 min read
American Express offers a large selection of business credit cards. There are travel cards, rewards cards, and co-branded cards with retailers, airlines, and hotels. Each one offers perks like employee cards, year-end summaries, and 24/7 business customer support.
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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.
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 an 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 Former Charge Cards
There are four former charge cards for small business owners. They’re “former” charge cards because they now have a Pay Over Time feature.
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 preset spending limit, you can use these to earn rewards on big business expenses (but that doesn’t mean you’re approved for unlimited spending).
| Spending Rewards |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late Fee$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
| Spending Rewards |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APR14.24% - 22.24% Variable
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late Fee$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- Min. credit levelGood
- Annual Fee$0 introductory annual fee your first year, then $250
- Purchase APR
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRN/A
- Late Fee1.5% then 2.99% of the past due amount (minimum: $39).
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- Min. credit levelGood
- Annual Fee$0 introductory annual fee for the first year, then $95
- Purchase APRN/A
- 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
| Spending Rewards |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APRN/A
- Late Fee$39 or 2.99% of any past due Pay in Full amount, whichever is greater.
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee2.7%
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) |
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| American Express® Business Gold Card (Review) | $295 (Rates & Fees) |
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| The Plum Card® from American Express (Review) | $0 introductory annual fee your first year, then $250 (Rates & Fees) |
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| Business Green Rewards Card from American Express (Review) | $0 introductory annual fee for the first year, then $95 (Rates & Fees) |
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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.
- The Blue Business® Plus Credit Card from American Express (Review) earns Membership Rewards points (Rates & Fees)
- The American Express Blue Business Cash™ Card (Review) earns cash back (Rates & Fees)
For Earning Membership Rewards Points
- Min. credit levelGood
- Annual FeeNo annual fee
- Purchase APR0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee2.7% of each transaction after conversion to US dollars
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
- Min. credit levelGood
- Annual FeeNo annual fee
- Purchase APR0% on purchases for 12 months from date of account opening, then 13.24% - 19.24% Variable
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee2.7% of each transaction after conversion to US dollars
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.
- 3% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market (up to $120,000 spent per year)
- 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
- 3% cash back (up to $120,000 spent per year) at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- 5% cash back at Amazon, Amazon Business, AWS, and Whole Foods Market (up to $120,000 spent per year)
- 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
- 5% cash back (up to $120,000 spent per year) at:
- Amazon.com
- Amazon Business
- Amazon Web Services (AWS)
- Whole Foods Market
- 2% cash back at:
- U.S. restaurants
- U.S. gas stations
- U.S. wireless telephone services
- 1% cash back for all other purchases
| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.99% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- Min. credit levelExcellent
- Annual Fee$550
- Purchase APR15.74% - 24.74% Variable
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
- Min. credit levelGood
- Annual Fee$0 introductory annual fee for the first year, then $99
- Purchase APR15.74% - 24.74% Variable
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
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.
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction FeeNone
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.
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual Fee$0
- Foreign Transaction FeeNone
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.
- Min. credit levelFair
- Annual Fee$0
- Purchase APR0% for 6 months, then 15.74%–24.74% Variable
- 2% cash back at U.S. restaurants, U.S. office supply stores, U.S. wireless telephone services
- 2% cash back on Lowe's purchases
- 1% cash back on all other purchases
- $100 cash back after card approval; 5% cash back at Lowe's for the first 6 months
- 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
- No annual fee
| Spending Rewards |
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| Introductory Bonus |
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A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
- Intro Balance Transfer APRN/A
- Regular Balance Transfer APRN/A
- Balance Transfer FeeN/A
- Penalty APR29.24% Variable
- Late FeeUp to $39
- Returned Payment Fee$39
- Additional Cards Annual FeeN/A
- Foreign Transaction Fee2.7%
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.
John Ganotis
John is committed to helping people understand how credit works and use it to their advantage. Since 2007, when he first worked in the finance industry, he’s been building his credit knowledge. It’s his mission to communicate this knowledge clearly to everyone who’s willing to learn, constantly improving the guides and reviews on Credit Card Insider since 2012. He knows firsthand how easy it is to accumulate credit card debt, the challenge of paying it off completely, and the satisfaction of using credit to his advantage. John is devoted to making Credit Card Insider the best resource for those looking to understand credit and use credit cards as a powerful tool rather than fear them.
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