Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • 1.5X Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
  • 1X 1X points for each dollar you spend on eligible purchases.
Intro offer
120,000 points 
Annual fee
$695
Regular APR
15.74% - 23.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best for business perks with no annual fee

Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 2X Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
  • 1X 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
Intro offer
15,000 points 
Annual fee
No annual fee
Regular APR
14.74% - 22.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 2% Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • 1% 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Intro offer
$250 
Annual fee
No annual fee
Regular APR
14.74% - 22.74% Variable
Recommended credit
Good to Excellent (670 - 850)

Best business card for points

Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% 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.*
Intro offer
70,000 points 
Annual fee
$295
Regular APR
15.74% - 23.74% Variable
Recommended credit
Good to Excellent (670 - 850)
Apply now
On American Express's secure site
See Rates & Fees , Terms Apply
Rewards rate
  • 3X 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.
  • 1.5X Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year.
  • 1X 1 Mile on every eligible dollar spent on other purchases.
Intro offer
100,000 miles 
Annual fee
$250
Regular APR
17.24% - 26.24% Variable
Recommended credit
Good to Excellent (670 - 850)

Comparing the top American Express business credit cards

Card name Best for Rewards Bankrate review score
The Business Platinum Card from American Express Best business card for travel 5X points on flights and prepaid hotels booked with AmexTravel.com, 2X points on prepaid rental cars booked through AmexTravel.com, 1.5X points per dollar spent (on up to $2,000,000 per calendar year) on both purchases of $5,000 or more and on select category purchases 4.9 / 5
(Read full card review)
The Blue Business Plus Credit Card from American Express Best for business perks with no annual fee 2X points on up to $50,000 in purchases per year (unlimited 2X points on prepaid rental cars booked through AmexTravel.com), 1X points after that 4.2 / 5
(Read full card review)
American Express Blue Business Cash Card Best for business startups 2 percent cash back on all eligible purchases (up to $50,000 per year, then 1 percent) 4.2 / 5
(Read full card review)
American Express Business Gold Card Best business card for points 4X points on up to $150,000 per year in two select categories your business spends the most in each billing cycle and 2X points on rental cars booked through AmexTravel.com 4.6 / 5
(Read full card review)
Delta SkyMiles Platinum Business American Express Card Best for airline-specific perks 3X miles on Delta and hotel purchases; 1.5X miles on purchases over $5,000 (up to 50,000 additional miles per year); 1X miles on all other purchases 4.2 / 5
(Read full card review)

A closer look at our top American Express business credit cards

The Business Platinum Card from American Express: Best business card for travel

  • What we love about the Business Platinum card: Owners certainly get what they pay for with this premium business card. It offers a haul of valuable annual credits and provides access to some of the best luxury travel lounges around, all while rewarding top business expenses like electronic goods and hardware supplies. This card is built for high-spending, established businesses, whether online, brick and mortar or both.
  • Who this card is good for: Frequent business travelers who desire the height of luxury and comfort on their trips.
  • Alternatives: The promise of luxury travel benefits and high rewards returns come at a premium price with this card. If top-tier travel rewards are your main focus outside of the business-centric perks, perhaps consider the Capital One Venture X Rewards Credit Card as a strong alternative. This card offers the potential to earn even higher rewards returns when booking through Capital One Travel and your base rewards rate could also be a bit more rewarding. You’d still gain access to some lounges, though not as widespread as what comes with the Business Platinum. Plus, you’d receive all of these perks for a bit more reasonable $395 annual fee.

Read our full The Business Platinum Card from American Express review or jump back to offer details.

The Blue Business Plus Credit Card from American Express: Best for business perks with no annual fee

  • What we love about the Blue Business Plus: The highest rewards tier offered by this card is not limited by specific spending categories, making it ideal for businesses that take a holistic approach to business spending. While cardholders do face a spending cap for your top rewards tier, that cap is generous at up to $50,000 for 2X points per year, then 1X points.
  • Who this card is good for: Small-business owners who want straightforward rewards without paying an annual fee.
  • Alternatives: Finding a competitive travel business card with no annual fee can be tricky, but not impossible. If you want to avoid spending caps, the >Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card offers an unlimited 1.5 percent base rewards rate on all purchases anywhere, including travel and business expenses.

Read our Blue Business Plus Credit Card from American Express review or jump back to offer details.

American Express Blue Business Cash Card: Best for business startups

  • What we love about the American Express Blue Business Cash: The card’s Expanded Buying Power feature gives business owners a longer runway to cover unexpected expenses that may push you over your card’s credit limit, a unique extension of purchasing power new businesses may not often have access to.
  • Who this card is good for: Business startups that want to earn straightforward, flat-rate cash back.
  • Alternatives: The Blue Business Cash card does not charge an annual fee and boasts a good flat-rate rewards option, but may be held back by its annual spending cap. If you can stomach taking on a reasonable annual fee, the Capital One Spark Cash Plus offers unlimited 2 percent rewards on all purchases with no spending caps.

Read our full American Express Blue Business Cash Card review or jump back to offer details.

American Express Business Gold Card: Best business card for points

  • What we love about the American Express Business Gold Card: American Express offers six valuable, business-oriented rewards categories. Cardholders will retroactively earn 4X points on the two highest-spending categories each billing cycle up until you pass $150,000 in combined bonus category purchases for that calendar year (earns 1X on other purchases).
  • Who this card is good for: Small-business owners with flexible spending habits.
  • Alternatives: Though the Business Platinum Card from American Express comes with a steep $695 annual fee, jet-setting business owners might find its premium travel perks and comprehensive airport lounge network worth every cent.

Read our full American Express Business Gold Card review or jump back to offer details.

Delta SkyMiles Platinum Business American Express Card: Best for airline-specific perks

  • What we love about the Delta SkyMiles Platinum card: The $250 annual fee can be quickly offset with a lucrative welcome offer and the annual domestic companion certificate each year after renewing your card. Cardholders, especially dedicated Delta flyers, have plenty of other features to take advantage of, including free first checked bag on Delta flights, priority boarding on Delta flights, in-flight savings and a significant amount of travel and shopping protections.
  • Who this card is good for: Habitual Delta flyers and even occasional travelers looking to save on yearly domestic vacation costs can receive plenty of value from the SkyMiles Platinum Business card.
  • Alternatives: If you’re not loyal to Delta or its partners, the American Express Business Gold Card comes with exceptional rewards earning potential and The Hotel Collection credits that may help offset the lack of Delta-specific features. The Business Gold Card also comes with Amex’s impressive Membership Rewards program, which offers greater flexibility for point redemption.

Read our full Delta SkyMiles Platinum Business American Express Card review or jump back to offer details.


Pros and cons of American Express business credit cards

Pros

  • Lenient qualification: For some, it can be easier to qualify for a business credit card than a line of credit or a bank loan.
  • Credit limits: Amex business credit cards usually provide higher credit limits than consumer credit cards.
  • Funds access: A business credit card can help address cash flow concerns, especially for new businesses.
  • Loyalty perks: American Express has partnerships with some of the top hotel and airline brands in the world, giving cardholders the opportunity to receive extra rewards  and value with their credit card.

Cons

  • High annual fees: Some of Amex’s top-tier cards carry a steep annual fee. While the rewards these cards offer can make it worthwhile, some may not be able to justify the additional cost.
  • Liability: Business owners may be personally liable for any unpaid debt on their business credit cards, and business credit can affect your personal credit.
  • Fewer protections: Business credit cards are not subject to offer the same consumer protections as many personal credit cards under the Credit CARD Act of 2009, however many issuers will voluntarily extend these protections to their business products.
  • Higher interest: American Express cards can be expensive to keep, with relatively high average interest rates and fees. These costs can negatively impact your business’s bottom line if you’re not careful.

 

How to choose an American Express business card

  • What categories does your business spend the most on? If your expenses are concentrated in one or two categories like travel or dining, dedicate your search toward the best Amex business credit card that offers rewards for those categories. Another aspect to consider is whether you want to earn a flat rate on general purchases or boosted rates on special purchase categories.
  • Can your business afford an annual fee? Generally, business credit cards that charge an annual fee will offer better rewards and perks. You can often recoup the cost of the annual fee by making the most of the perks and benefits offered by your card. If your business won’t get much use out of the benefits offered, it’s hard to justify paying the high annual fee.
  • Will you carry a balance on your business card? Be sure to compare the APRs on all the credit cards you’re considering. If you plan to carry a balance from one month to the next, factor in those interest charges. Finding a card with the lowest APR possible will help mitigate costly charges on your balance sheet.
  • What additional card perks do you want? It’s important to look further than cash back percentages and travel rewards to see what else a card has to offer. Airport lounge access, free additional employee cards, financing options and other features can help your business thrive.
Lightbulb
Bankrate Insight
Entrepreneurs and business owners don’t need to operate a formal business structure, like a corporation or LLC, to get a business credit card. You also don’t need an employer identification number (EIN); you can apply as a sole proprietor using a Social Security number. In fact, as long as you sell a good or service, you’re usually considered an eligible small-business owner by issuers.

How we rate the best American express business cards

While we consider all aspects of a credit card when calculating the 5-star Bankrate Score, the criteria for Amex business cards emphasize features most valued by business owners. Scoring on this page places a weighted emphasis on factors including:

APR (Annual Percentage Rate)

Some Amex cards offer lower variable APRs, while others allow business owners to manage debt from large purchases with 0 percent intro APR offers.

Rewards rates

When evaluating each card, we consider both the earning structure rate and corresponding redemption values that a small or medium business owner can expect with each eligible purchase.

Annual fee

Whether the card charges an annual fee and if so, how much the card’s overall value and benefits could offset the fee.

Introductory offers

If the card has a welcome offer or similar sign-up incentive and how much it adds to the card’s overall value.

Bonuses, discounts and perks

On top of the bonus offers, we factor in the value of additional perks like airport lounge access, free employee cards and rental car insurance to calculate the total expected value.


Have more questions for our credit card editors? Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate.


Frequently asked questions about Amex business credit cards

about the author
Ryan Noonan is a 2018 graduate of the School of Journalism at The Ohio State University. He began working in marketing for Bankrate.com in December 2018 and has since begun using his industry expertise as a writer, contributing to both Bankrate.com and Creditcards.com.
about the editor
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.