Skip to content
RATING

Advertiser Disclosure

Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.

American Express Business Credit Cards and Former Charge Cards

3 min read
By John Ganotis Sep 24, 2019 | Updated Jun 29, 2021
At a glance

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.

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.

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).

The Business Platinum Card® from American Express
  • Min. credit levelGood
  • Annual Fee$595
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

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
  • Min. credit levelGood
  • Annual Fee$295
  • Purchase APR14.24% - 22.24% Variable

Rates & Fees

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
  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee your first year, then $250
  • Purchase APR

Rates & Fees

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.

Apply Now

securely on the issuer's website

Business Green Rewards Card from American Express
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $95
  • Purchase APRN/A

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 (Rates & Fees)
  • 2X on eligible purchases from Amex Travel
  • 1X on all other purchases
Read more 2021 Comparison: Business Green Rewards Card from American Express vs. American Express® Business Gold Card

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
  • 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

Rates & Fees

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
  • 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

Rates & Fees

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.

Apply Now

securely on the issuer's website

Amazon Business American Express Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR15.24%–23.24% Variable

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.

Apply Now

securely on the issuer's website

Amazon Business Prime American Express Card
Apply Now

securely on the issuer's website

  • Min. credit levelGood
  • Annual Fee$0
  • Purchase APR15.24%–23.24% Variable

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
  • Min. credit levelExcellent
  • Annual Fee$550
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

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
  • Min. credit levelGood
  • Annual Fee$250
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

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
  • Min. credit levelGood
  • Annual Fee$0 introductory annual fee for the first year, then $99
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

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.

The Hilton Honors American Express Business Card
  • Min. credit levelGood
  • Annual Fee$95
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

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
  • Min. credit levelGood
  • Annual Fee$125
  • Purchase APR15.74% - 24.74% Variable

Rates & Fees

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.

Apply Now

securely on the issuer's website

Lowe's Business Rewards Card
Apply Now

securely on the issuer's website

  • Min. credit levelFair
  • Annual Fee$0
  • Purchase APR0% for 6 months, then 15.74%–24.74% Variable

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.

Written by

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.

Do you have a correction, tip, or suggestion for a new post? Contact us here.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

Scroll to top