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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.
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.
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.
|Card||Annual Fee||Points Per Dollar|
|The Business Platinum® Card from American Express (Review)||$595 (Rates & Fees)||
|American Express® Business Gold Card (Review)||$295 (Rates & Fees)||
|The Plum Card® from American Express (Review)||$0 introductory annual fee your first year, then $250 (Rates & Fees)||
|Business Green Rewards Card from American Express (Review)||$0 introductory annual fee for the first year, then $95 (Rates & Fees)||
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.
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.
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.
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 Reserve for Business Credit Card||$450 ($550 if application is received on or after 1/30/2020) (Rates & Fees)|
|Platinum Delta SkyMiles® Business Credit Card from American Express (Review)||$195 ($250 if application is received on or after 1/30/2020) (Rates & Fees)|
|Gold Delta SkyMiles® Business Credit Card from American Express||$0 introductory annual fee for the first year, then $95 (Rates & Fees)|
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.
If you frequently spend and stay at Marriott hotels, this card can be quite valuable for earning points.
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.
American Express business cards have access to a suite of Amex business benefits, which include:
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The information related to Amazon Business American Express Card, Amazon Business Prime 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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