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Best American Express Business credit cards of December 2022

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If you’re seeking the best credit card for your business, look no further than American Express, which offers high-value rewards programs and some of the industry’s most generous perks. The best credit cards for businesses vary based on your company’s needs and spending patterns. American Express offers lucrative rewards, expense tracking and premium travel perks such as airport lounge access for established businesses. For new entrepreneurs and startup owners, you’ll find Amex also offers cards with unique financing options and money-saving features. Below, you’ll find our top picks for Amex business cards and a number of valuable tips on how to choose the right one for your business.

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On American Express's secure site
Rating: 4.8 stars out of 5
4.8 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

120,000 points
Info

Annual fee

$695

Regular APR

17.99% - 25.99% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

Best for business perks with no annual fee

The Blue Business® Plus Credit Card from American Express

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On American Express's secure site
Rating: 4.3 stars out of 5
4.3 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

15,000 points
Info

Annual fee

No annual fee

Regular APR

16.99% - 24.99% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Apply Now Lock
On American Express's secure site
Rating: 4.5 stars out of 5
4.5 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

$250
Info

Annual fee

No annual fee

Regular APR

16.99% - 24.99% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

Best business card for points

American Express® Business Gold Card

Apply Now Lock
On American Express's secure site
Rating: 4.4 stars out of 5
4.4 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

70,000 points
Info

Annual fee

$295

Regular APR

17.99% - 25.99% Variable

Recommended credit

Good to Excellent (670 – 850)
Info
Apply Now Lock
On American Express's secure site
Rating: 4.8 stars out of 5
4.8 Bankrate review
Info
See Rates & Fees , Terms Apply

Intro offer

60,000 miles
Info

Annual fee

$250

Regular APR

19.49% - 28.49% Variable

Recommended credit

Good to Excellent (670 – 850)
Info

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 4.8 / 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 4.3 / 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) 4.4 / 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 4.4 / 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 4.8 / 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 with a well-rounded approach to spending. While cardholders do face a spending cap for their 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, 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

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    Lenient qualification: For some, it can be easier to qualify for a business credit card than a line of credit or a bank loan.

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    Credit limits: Amex business credit cards usually provide higher credit limits than consumer credit cards.

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    Funds access: A business credit card can help address cash flow concerns, especially for new businesses.

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    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.
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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.

What you need to apply for an Amex business credit card

Applying for an American Express business credit card is nearly the same as applying for a personal Amex credit card. However, there are a few additional steps to navigate that can be tricky if it's your first time applying. Existing Amex cardmembers can sign into their account to expedite the process, but new customers will begin by filling out some personal information and details about your business.

  • Legal business name: Generally, a sole proprietor should use their name as the business name. However, if you have set up a legal structure (LLC, etc.) or registered name for your business, then you’ll put that name here.
  • Business name on card: This is the business name that will appear on your credit card just below the cardholder or authorized user’s name. You can choose to put your legal business name here, but sometimes it won’t fit in the provided box.
  • Business address: This can be a separate business address or the same as your home address if you do business from home.
  • Company structure: In many cases, your company structure will be considered a sole proprietorship. But, if you’ve got a partner, select partnership. If you have set up a legal business structure (LLC, S-Corp, etc.), choose corporation.
  • Number of employees: This includes all current employees including yourself, so you’ll always select at least one.
  • Annual business revenue: This is the total amount of money your business earns in a year before taxes or other expenses are factored in. If you’re just starting out, it’s fine to put zero.
  • Estimated monthly spend: The number here should include all anticipated expenses you plan to put on the card each month.
  • Federal tax ID: Sole proprietors that haven’t registered for a Federal tax ID can use your Social Security number here.
  • Company role: You will likely select owner, but select the title that best fits your role with the business.

After these boxes, you’ll be directed to fill out some basic personal information, billing address and your total annual income, which includes any income you can use to pay your bills and any profits you’ve taken from your business thus far. You can also opt to include your non-taxable annual income, which is optional, but may be helpful if you receive any income exempt from federal income tax like Social Security and disability benefits.

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:
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    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.
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    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.
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    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.
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    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.
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    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