Editor’s note: This is a recurring post with regularly updated card details.
American Express offers 14 small business credit cards with different reward programs, including cash back, travel, points, and store discounts. Some come with flexible credit limits, while others allow you to carry a balance with interest. The best American Express business credit card for your business depends on your spending habits, rewards preference, and ability to pay your balance in full each month.
Here are the 14 business credit cards from American Express in 2024:
- American Express Blue Business® Cash™: Best fixed-rate cash back card with interest-free financing and Expanded Buying Power
- American Express Business Platinum Card®: Best for premium travel perks
- American Express® Business Gold Card: Best for earning premium rewards on your top two spend categories
- American Express Blue Business® Plus: Best for those who want fixed-rate points-based rewards With Expanded Buying Power
- Amazon Business Prime American Express Card: Best for Amazon Prime members
- Amazon Business American Express Card: Best for Amazon frequent shoppers without Prime membership
- Delta SkyMiles® Platinum Business American Express Card: Best for discounted Delta Sky Club® rate
- Delta SkyMiles® Gold Business Card: Best Delta frequent flyer card with a low annual fee
- Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta perks
- Hilton Honors American Express Business Card: Best for loyal Hilton customers
- Marriott Bonvoy Business® American Express® Card: Best for loyal Marriott customers
- The Plum Card® From American Express: Best charge card for payment flexibility
- American Express Business Green Rewards Card: Best charge card with travel rewards and no preset spending limit
- Lowe’s Business Rewards Card From American Express: Best for real estate investors and frequent Lowe’s shoppers
Overview of the Best American Express Business Credit Cards in 2024
Best For | Annual Fee | Rewards | Additional Perks | Key Features | |
---|---|---|---|---|---|
American Express Blue Business® Cash™ | Earning fixed-rate cash back with interest-free financing and Expanded Buying Power | $0 | Up to 2% cash back |
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American Express Business Platinum Card® | Premium travel perks | $695 | Up to 5x points |
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American Express® Business Gold Card | Earning premium rewards on your top two spend categories | $375 | Up to 4x points |
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American Express Blue Business® Plus | Those wanting fixed-rate points-based rewards With Expanded Buying Power | $0 | Up to 2x points |
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Amazon Business Prime American Express Card | Amazon Prime members | $0 | Up to 5% cash back |
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Amazon Business American Express Card | Amazon frequent shoppers without Prime membership | $0 | Up to 3% cash back |
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Delta SkyMiles® Platinum Business American Express Card | Discounted Delta Sky Club® rate | $350 | Up to 3x miles |
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Delta SkyMiles® Gold Business Card | Delta frequent flyers wanting a card with a low annual fee | $150 | Up to 2x miles |
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Delta SkyMiles® Reserve Business American Express Card | Premium Delta perks | $650 | Up to 3x miles |
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Hilton Honors American Express Business Card | Loyal Hilton customers | $195 | Up to 12x points |
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Marriott Bonvoy Business® American Express® Card | Loyal Marriott customers | $125 | Up to 6x points |
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The Plum Card® From American Express | Payment flexibility | $250 | 1.5% early pay discount |
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American Express Business Green Rewards Card | Earning travel rewards & no preset spending limit | $95 | Up to 2x points |
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Lowe’s Business Rewards Card From American Express | Real estate investors and Lowe’s frequent shoppers | $0 | Up to 5% cash back |
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If you want to see how a credit card stacks up against others, click Add to Compare on the cards. You can compare up to three credit cards on this page or a card here against others on our site.
American Express Blue Business® Cash™: Best Cash Back Card With Interest-free Financing & Expanded Buying Power
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% introductory annual percentage rate (APR)
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
When To Consider the American Express Blue Business® CashTM
Business owners who seek to earn cash back rewards, have a 0% introductory period on purchases, and want to spend beyond their credit limit may consider this American Express business credit card. Not only does it offer premium cash back rewards on all purchases, but it also offers Expanded Buying Power. This lets you spend over your credit limit, which can be adjusted with your card use, payment history, credit record, financial resources, and other factors.
Its fixed-rate cash back rewards, 0% introductory period on purchases for 12 months, and Expanded Buying Power are why this card is our leading cash back business credit card and best small business credit card. It also is one of our top 0% APR business credit cards.
Consider American Express Blue Business® Plus if you want to earn points rewards instead of cash back.
Rewards:
- 2% cash back on all eligible purchases of up to $50,000 per calendar year
- 1% cash back is earned when the cap is met
Other benefits:
-
- Earn a $250 statement credit after spending $3,000 in purchases within the first three months from the date of account opening
- Extend the warranty of new purchases for an additional year—applicable for warranties of five years or less
- Protect your new purchases in case it gets stolen or accidentally damaged
- Issue employee cards at no additional cost
Important considerations:
- It does not have a 0% introductory period on balance transfers.
- It charges foreign transaction fees.
- It doesn’t allow cash advances.
American Express Business Platinum Card®: Best for Premium Travel Perks
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase 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.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
When To Consider the American Express Business Platinum Card®
Those who travel frequently and want access to luxury perks such as The Global Lounge Collection (which gives cardholders access to more than 1,400 airport lounges across 140 countries) can consider this card. While it does not have a 0% introductory period on both purchases and balance transfers and charges a high annual fee of $695, it offers rebates and discounts and a high introductory bonus.
This card is also our top business credit card with airport lounge access and leading high-limit business credit card. It is also included in our roundup of the best business credit cards for travel.
Rewards:
- 5x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1.5x Membership Rewards® points on eligible purchases in key business categories, and eligible purchases of $5,000 or more.
- 1x Membership Rewards® points on all other eligible purchases
Other benefits:
- Receive 120,000 Membership Rewards® points after spending $15,000 in qualifying purchases within the first three months from the date of account opening
- Get over $1,000 in statement credit from notable retailers such as Dell Technologies and Adobe Creative Solutions
- Enjoy $0 foreign transaction fees
Important considerations:
- It doesn’t allow cash advances and balance transfers.
- It doesn’t have a 0% introductory period on purchases and balance transfers.
- It charges a high annual fee of $695.
- It requires you to pay your balance in full each month—unless you choose to use the Pay Over Time feature. Note that not all transactions are eligible for Pay Over Time.
American Express® Business Gold Card: Best for Earning Premium Rewards on Your Top Two Spend Categories
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump-starts, flat tire changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
When To Consider the American Express® Business Gold Card
This option is ideal for earning premium points rewards on your top two spend categories and a flexible spending limit. While it requires you to pay your balances in full, it offers the Pay Over Time option, which allows you to carry a balance with interest and offers rebates from FedEx, Grubhub, office supply stores, and Walmart. It’s not surprising that this card is included in our list of the best business credit cards for restaurant owners.
Rewards:
- 4x Membership Rewards® points on your top 2 eligible categories
- 3x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1x Membership Rewards® points on all other eligible purchases
Other benefits:
- Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months from the date of account opening
- Enjoy $0 foreign transaction fees
- Receive the following benefits after booking at The Hotel Collection for at least two consecutive nights on participating properties:
- $100 experience credit—which can be used to spend on qualifying dining, spa, and resort activities
- Room upgrades upon check-in only (when available)
Important considerations:
- It doesn’t have a 0% introductory period on purchases and balance transfers.
- It doesn’t allow balance transfers and cash advances.
- It charges a high annual fee of $375.
American Express Blue Business® Plus: Best for Those Who Want Fixed-rate Points-based Rewards With Expanded Buying Power
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
When To Consider the American Express Blue Business® Plus
If you are looking for a points rewards-based business credit card that offers a 0% introductory period on purchases and lets you spend beyond your current limit, then consider this card. It offers the same benefits and perks as the American Express Blue Business® CashTM
You may check out American Express Blue Business® CashTM if you want to earn cash back rewards instead of points.
Rewards:
- 2x Membership Rewards® points on the first $50,000 in purchases each calendar year
- 1x Membership Rewards® points after the cap is met
Other benefits:
- Get 15,000 Membership Rewards® points after spending $3,000 in purchases within the first three months from the date of account opening
- Enjoy flexible buying power through Expanded Buying Power—which can be adjusted on your card usage, payment history, credit record, financial resources, and other factors
- View purchase history to prepare your reports and budget expenses
Important considerations:
- It doesn’t allow cash advances.
- It charges foreign transaction fees.
- It doesn’t offer a 0% introductory period on balance transfers.
Amazon Business Prime American Express Card: Best for Amazon Prime Members
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- $0 annual and foreign transaction fees
Cons
- No 0% introductory annual percentage rate (APR)
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
When To Consider the Amazon Business Prime American Express Card
This is a viable American Express business credit card if you have an active Amazon Prime membership and are a frequent shopper at Amazon and other Amazon affiliate sites. It gives you the option to choose between a 90-day term or 5% cash back on the first $120,000 purchases from United States purchases at Whole Foods Market, Amazon, Amazon Business, and AWS.
This card is our leading business store credit card and one of our best small business credit cards and top business credit cards for restaurant owners.
See the Amazon Business American Express Card if you don’t have an active Amazon Prime membership.
Rewards:
- Choose between 90-day terms or 5% cash back on selected US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market
- 2% cash back at restaurants, gas stations, and wireless phone services purchased directly from service providers
- 1% cash back on all other purchases
Other benefits:
- Get a $125 Amazon.com gift card upon card approval
- Receive a complete summary of your transactions, which can be categorized by month and purchase type, at the end of each year
- Gain assistance from American Express in resolving fraudulent or incorrect charges made on your statement
Important considerations:
- It doesn’t have a long 0% introductory period even if you choose the 90-day term.
- It doesn’t allow balance transfers, so it may not be a good option if you transfer a balance from another card.
- It is only available to Amazon Prime members, so you have to pay for an Amazon Prime membership worth $139 to qualify.
Amazon Business American Express Card: Best for Amazon Frequent Shoppers Without Prime Membership
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
When To Consider the Amazon Business American Express Card
If you shop at Amazon and other sites frequently but don’t have an active Amazon Prime membership, then this card is an excellent choice. It gives you the option to choose between a 60-day term or 3% cash back rewards on selected websites. It also does not charge foreign transaction fees, making it a great option if you travel regularly.
Look into the Amazon Business American Express Card if you have an active Amazon Prime membership to receive a longer-term period or higher cash back rewards.
Rewards:
- Choose between a 60-day term or 3% cash back on selected US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market
- 2% cash back at restaurants, gas stations, and wireless phone services purchased directly from service providers
- 1% cash back on all other purchases
Other benefits:
- Receive a $100 Amazon gift card upon card approval
- Save on items at checkout on Amazon.com and Amazon Business using your earned cash back rewards
- Issue employee cards at no additional cost
Important considerations:
- It doesn’t allow balance transfers.
- It doesn’t offer a long 0% introductory APR, even if you opt for the 60-day term.
Delta SkyMiles® Platinum Business American Express Card: Best for Discounted Delta Sky Club® Rate
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
- Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
- Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles® Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles® Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- Charges an annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
When To Consider the Delta SkyMiles® Platinum Business American Express Card
Business owners who fly with Delta Air Lines regularly and want premium business Delta features would want this card. Your earned miles rewards can be used to get seat upgrades, pay for your Delta Sky Club membership, book Delta Vacations®, bid on exclusive events and access SkyMiles Experiences, check bags, or pay for magazine subscriptions.
While it doesn’t have a 0% introductory period on purchase and balance transfers and charges an annual fee of $350, its rewards and travel perks are why it is included in our roundups of the best business credit card for miles and top business credit cards with airport lounge access.
Consider either the Delta SkyMiles® Gold Business Card if you want a Delta card with a low annual fee or the Delta SkyMiles® Reserve Business American Express Card for complimentary access to The Centurion® Lounge and Escape Lounge.
Rewards:
- 3x miles per eligible dollar spent on purchases made directly with Delta and hotels
- 1.5x miles on large purchases of $5,000 or more—and receive 50,000 additional miles per calendar year
- 1x miles on all other purchases
Other benefits:
- Welcome Offer: Earn 65,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- Get you and up to two guests complimentary snacks and beverages, Wi-Fi access, Satellite TV, newspapers and magazines, personalized flight assistance, and private restrooms through the Delta Sky Club® Access
- Enjoy $0 foreign transaction fees
Important considerations:
- It doesn’t have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $350.
- It doesn’t allow balance transfer transactions.
Delta SkyMiles® Gold Business Card: Best Delta Frequent Flyer Card With a Low Annual Fee
Delta SkyMiles® Gold Business American Express Card
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
- Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
- Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 introductory annual fee for the first year, then $150
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Additionally, you can receive a $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
When To Consider the Delta SkyMiles® Gold Business Card
Those who fly with Delta Air Lines frequently and prefer a low annual fee may consider this card, as it only charges $150 per year to receive Delta-related rewards and enjoy travel perks, such as a free checked bag, inflight savings, and priority boarding. Your earned miles rewards can be used toward flights, seat upgrades, car rentals, merchandise, and gift cards.
If you want a Delta card with discounted rates on the Delta Sky Club® Access, check out the Delta SkyMiles® Platinum Business American Express Card. For complimentary access to The Centurion® Lounge and Escape Lounge, see the Delta SkyMiles® Reserve Business American Express Card.
Rewards:
- 2x miles for every eligible dollar spent on purchases made directly with Delta
- 1x miles on all other purchases
Other benefits:
- Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- Receive $200 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases in a year.
- Save up to 15% when booking Award Travel with miles through TakeOff15
- Enjoy $0 foreign transaction fees
Important considerations:
- It doesn’t allow balance transfers.
- It doesn’t provide free or discounted access to the Delta Sky Club.
- It doesn’t offer 0% introductory financing, which is something you should consider if you plan to use your card to make a large purchase.
Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Perks
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight. When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Enter Delta Sky Club® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Earn 3 miles per dollar on eligible Delta purchases.
- Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
- Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
- Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
- As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight. When you purchase a Delta flight with your Delta SkyMiles Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- Elevate your travel experience with an annual statement credit of up to $250 after using your Delta Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Pay no foreign transaction fees when you travel overseas.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 Medallion Qualifying Miles (MQMs) and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
When To Consider the Delta SkyMiles® Reserve Business American Express Card
This is a great choice for frequent Delta Air Lines flyers who want complimentary access to the Delta Sky Club®, The Centurion® Lounge, and the Escape Lounge. On top of earning miles rewards on selected spending categories, you can get travel perks such as priority boarding, the first checked bag free, and a Companion Certificate. Despite charging a high annual fee of $650, having access to multiple airport lounges is why this card is one of our best business credit cards with airport lounge access.
See the Delta SkyMiles® Platinum Business American Express Card if you want a Delta card with discounted rates on the Delta Sky Club® Access and the Delta SkyMiles® Gold Business Card if you want a Delta card with a low annual fee.
Rewards:
- 3x miles per eligible dollar spent on purchases made directly with Delta and hotels
- 1.5x miles on eligible transit, U.S. shipping & office supply store purchases.
- 1x miles on all other purchases
Other benefits:
- Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- Save up to 15% when booking Award Travel with miles through TakeOff15
- Receive a statement credit for a five-year membership every four years after applying for Global Entry ($100) or every four and a half years after applying for TSA PreCheck® (up to $85) through a TSA PreCheck® official enrollment provider and pay the application fee with your card
Important considerations:
- It charges a high annual fee of $650.
- It does not have a 0% introductory period on purchases and balance transfers.
- It does not allow balance transfer transactions.
Hilton Honors American Express Business Card: Best for Loyal Hilton Customers
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
- NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
- You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- NEW: Enjoy complimentary National Car Rental® Emerald Club Executive® status. Enrollment in the complimentary Emerald Club® program is required. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
When To Consider the Hilton Honors American Express Business Card
Business owners who stay at Hilton hotels and resorts regularly would want this card, which lets you earn up to 12x points on selected spending categories. Also, it allows you to use your earned points and convert them into airline miles with its travel partners and receive 10 Complimentary Priority Pass visits through the Priority Pass™ Select Membership.
Unsurprisingly, this card made it to our roundup of the best business credit cards with no foreign transaction fee.
Rewards:
- 12x Hilton Honors Bonus Points on every dollar spent directly with hotels and resorts in the Hilton portfolio
- ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
Other benefits:
- Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
- Receive an upgrade to Hilton Honors™ Diamond Status after spending $40,000 on eligible purchases with your card within a calendar year
- Enjoy $0 foreign transaction fees
- Get a Complimentary Hilton Honors Gold Status—which comes with an 80% bonus on base points earned on every stay
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $195.
- It offers limited redemption options.
- It doesn’t allow balance transfers.
Marriott Bonvoy Business® American Express® Card: Best for Loyal Marriott Customers
Marriott Bonvoy Business® American Express® Card
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
- WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Terms apply.
- Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
When To Consider the Marriott Bonvoy Business® American Express® Card
Loyal Marriott customers would want to get this, as it lets you earn 6x Marriott Bonvoy points per dollar spent on eligible purchases at participating hotels in the Marriott Bonvoy® program. It also offers the Marriott Bonvoy® Room Rate Discount, where you can get a 7% discount on eligible bookings and a Free Night Award every year after your card renewal month. Its unique travel perks are why it is included in our lists of the best business credit cards for travel and top business credit cards with no foreign transaction fee.
Rewards:
- 6x Marriott Bonvoy® points per dollar spent at participating hotels in the Marriott Bonvoy program
- 4x Marriott Bonvoy® points on purchases made at restaurants worldwide, US gas stations, wireless telephone services purchased directly from US service providers, and on US purchases for shipping
- 2x Marriott Bonvoy® points on all other purchases
Other benefits:
- Welcome Offer: Receive 3 Free Night Awards after spending $6,000 on purchases within the first six months from the date of account opening. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy®. Note that certain hotels have resort fees.
- Get a complimentary Marriott Bonvoy Gold Elite Status with your card, which includes priority late checkout when available and 25% bonus points on stays
- Enjoy $0 foreign transaction fees
Important considerations:
- It does not have a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $125.
- Its premium rewards are limited to purchases made at participating Marriott Bonvoy hotels and resorts.
The Plum Card® From American Express: Best Charge Card for Payment Flexibility
The Plum Card® from American Express
BEST FOR:
Accessing early pay discounts or 60 days of no interest
- Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
- Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.‡
- Terms & Restrictions Apply.
Pros
- No preset spending limit
- Doesn‘t charge foreign transaction fees
- Offers early pay discount
Cons
- Balance is due either monthly or every 60 days
- No 0% introductory APR on purchases and balance transfers
- Cash advance & balance transfers aren’t allowed
- Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
- Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
- Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.
- Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
- Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.‡
- Terms & Restrictions Apply.
Pros
- No preset spending limit
- Doesn‘t charge foreign transaction fees
- Offers early pay discount
Cons
- Balance is due either monthly or every 60 days
- No 0% introductory APR on purchases and balance transfers
- Cash advance & balance transfers aren’t allowed
- Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
- Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
- Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.
When To Consider The Plum Card® From American Express
Business owners who want to choose when to receive their bill each month would want to consider this. It is also a great option if you want to be rewarded for paying early as you can earn an unlimited 1.5% cash back on eligible purchases after paying within 10 days of your statement closing date.
Rewards:
- Unlimited 1.5% cash back (as an early pay discount) after paying your balance within 10 days of your statement closing date.
Other benefits:
- Receive purchasing power by having a No Preset Spending Limit
- Enjoy $0 foreign transaction fees
- Get access to QuickBooks®—saving you time in categorizing all of your business transactions made with your card
Important considerations:
- It does not offer a 0% introductory period on purchases and balance transfers.
- It charges an annual fee of $250.
- It does not offer a sign-up bonus.
- It requires you to pay your balance in full every month—unless you opt into 60-day free financing terms.
- If you choose the 60-day free financing terms, you won’t receive rewards on your purchases.
American Express Business Green Rewards Card: Best Charge Card With Travel Rewards & No Preset Spending Limit
Business Green Rewards Card from American Express
BEST FOR:
Employee expense management solutions
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three 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
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident that caused the injury.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three 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
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident that caused the injury.
When To Consider the American Express Business Green Rewards Card
This card is ideal for those who travel frequently, need a charge card, and don’t want to have a preset spending limit. It lets you earn 2x points on flights and prepaid hotels booked through amextravel.com and 1x points on all other purchases. You can also carry a balance with interest on eligible purchases through Pay Over Time.
Rewards:
- 2x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1x Membership Rewards® points on all other eligible purchases
Other benefits:
- Get 15,000 Membership Rewards® points after spending $3,000 on purchases within the first three months from the date of account opening
- Receive coverage of up to $1,250 for carry-on baggage and up to $500 per checked bag
- Issue employee cards at no additional cost
Important considerations:
- It doesn’t offer a 0% introductory period on purchases and balance transfers as your balance is due in full every month—unless you opt to use the Pay Over Time feature.
- It doesn’t allow balance transfers or cash advance transactions.
- It charges foreign transaction fees.
Lowe’s Business Rewards Card From American Express: Best for Real Estate Investors & Frequent Lowe’s Shoppers
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply.
Pros
- $0 annual fee
- 5% off at Lowe’s
Cons
- No 0% introductory APR period
- Balance transfers aren't allowed
- Low cash back rewards at Lowe's after introductory period
- Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply.
Pros
- $0 annual fee
- 5% off at Lowe’s
Cons
- No 0% introductory APR period
- Balance transfers aren't allowed
- Low cash back rewards at Lowe's after introductory period
- Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
When To Consider the Lowe’s Business Rewards Card From American Express
Real estate investors and regular Lowe’s shoppers would want this card as you can earn 2% cash back on purchases made at Lowe’s (online or physical store) and other spending categories. It also offers protection coverage, such as purchase protection and extended warranty. For this reason, it is one of our best business store credit cards.
Rewards:
- 2% cash back on purchases made at Lowe’s stores or online at Lowes.com or LowesforPros.com
- 2% cash back on purchases made at restaurants, office supply stores, and wireless telephone services purchased directly from US service providers
- 1% cash back on all other purchases
Other benefits:
- New cardholders shall receive the following benefits:
- 5% cash back on eligible purchases at Lowe’s for the first six months from the date of card approval
- Issue employee cards at no additional cost
- Extend the warranty of selected purchases by an additional year—on warranties of five years or less
Important considerations:
- It doesn’t offer a 0% introductory period on purchases and balance transfers.
- It doesn’t allow balance transfer transactions.
- It charges a foreign transaction fee, which makes it not a good option if you plan to use the card when traveling abroad.
How To Choose the Right American Express Credit Card
It’s important to identify your unique business needs when choosing the best American Express business card. Consider the following factors.
The type of rewards you want to earn will determine which American Express credit card is right for you. American Express credit cards offer travel rewards, cash back, and points-based rewards.
Points-based rewards: American Express Blue Business® Plus Credit Card
You can use your points to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers. You can also redeem points as gift cards from various merchants.
Travel rewards:
- American Express® Business Gold Card
- American Express Business Platinum Card®
- American Express Business Green Rewards Card
- Delta SkyMiles® Platinum Business American Express Card
- Delta SkyMiles® Gold Business Card
- Delta SkyMiles® Reserve Business American Express Card
- Hilton Honors American Express Business Card
- Marriott Bonvoy Business American Express® Card
Cash back:
- American Express Blue Business Cash™ Card
- The Plum Card® From American Express
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Lowe’s Business Rewards Card from American Express
American Express credit cards come with varied annual fees. Some offer low or no annual fees, whereas others charge high annual fees with no introductory zero annual fee period.
No-annual-fee American Express business credit cards:
- American Express Blue Business Cash Card
- American Express Blue Business® Plus Credit Card
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Lowe’s Business Rewards Card from American Express
American Express business credit cards with low annual fees:
- American Express Business Green Rewards Card
- Hilton Honors American Express Business Card
- Marriott Bonvoy Business American Express® Card
- Delta SkyMiles® Gold Business Card
Most American Express business credit cards do not offer balance transfer services. If you prefer a card that allows you to transfer a balance from another, your options are American Express Blue Business® Plus Credit Card and American Express Blue Business Cash™ Card.
Some American Express business credit cards do not allow cash advances. If you need to take out a cash advance from time to time, these are your options:
- Lowe’s Business Rewards Card from American Express
- Marriott Bonvoy Business American Express® Card
- Hilton Honors American Express Business Card
- Delta SkyMiles® Reserve Business American Express Card
- Delta SkyMiles® Gold Business American Express Card
- Delta SkyMiles® Platinum Business American Express Card
- Amazon Business American Express Card
- Amazon Business Prime American Express Card
Most American Express credit cards do not offer an introductory 0% APR. If you plan to finance a large purchase and take advantage of 0% interest for a certain period, you can choose between the American Express Blue Business Cash™ Card and American Express Blue Business® Plus Credit Card. Both credit cards offer an introductory 0% APR for 12 months after opening an account.
Some American Express credit cards have no preset spending limit or offer expanded buying power—this means your credit limit is flexible, or you are allowed to spend over your limit. The amount you can spend adjusts to your card usage, payment habits, credit history, and other factors. If you need flexible credit limits, consider the following cards:
- American Express® Business Gold Card
- American Express® Business Platinum Card®
- American Express Blue Business Cash Card
- American Express Blue Business® Plus Credit Card
- The Plum Card® From American Express
- American Express Business Green Rewards
Frequently Asked Questions (FAQs)
As long as you meet the requirements, it’s easy to get approved for an American Express business credit card. You need to have a good to excellent personal credit score to qualify for American Express credit cards. Based on American Express’s website, the online application process only takes a few minutes, and you can get a decision in a few seconds.
You can process your application online or by phone by calling 1-877-673-6758. You will need to provide the following information:
- Business’s legal name, address, phone number, and email address
- Federal tax identification number (TIN), or Social Security number
- Type of industry your business is engaged in
- Company structure
- Number of years your company has been in business
- Number of employees
- Annual business revenue
- The name you would like to appear on the card
American Express business credit cards provide several benefits that may be valuable to your business. You can earn rewards on your everyday purchases and take advantage of expense management tools. Furthermore, you can benefit from other perks, which vary depending on the type of American Express business credit card you choose.
Bottom Line
American Express offers business credit cards across several categories, which include cash back, travel, no-interest, and cobranded cards for hotels, airlines, and stores. Each card comes with various introductory and ongoing rewards, annual fees, APRs, and other benefits. The best American Express business card for you depends on what type of rewards you want, whether you need flexible credit limits or prefer to carry a balance, or if you want a cobranded business credit card.