Editor’s note: This is a recurring post with regularly updated card details.
American Express has 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 payment behavior.
Here are the 14 business credit cards from American Express:
- American Express® Business Gold Card: Best for earning premium rewards on your top two spend categories
- American Express Blue Business® Plus: Best for fixed-rate points-based rewards With Expanded Buying Power
- American Express Business Platinum Card®: Best for premium travel perks
- Delta SkyMiles® Gold Business Card: Best Delta frequent flyer card with a low annual fee
- Delta SkyMiles® Platinum Business American Express Card: Best for premium business Delta features
- Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta perks
- American Express Blue Business® Cash™: Best fixed-rate cash back card with interest-free financing and Expanded Buying Power
- Marriott Bonvoy Business® American Express® Card: Best for loyal Marriott customers
- Hilton Honors American Express Business Card: Best for loyal Hilton customers
- The Plum Card® From American Express: Best charge card for payment flexibility
- Amazon Business Prime American Express Card: Best for Amazon Prime members
- Amazon Business American Express Card: Best for Amazon frequent shoppers without Prime membership
- Lowe’s Business Rewards Card From American Express: Best for real estate investors and frequent Lowe’s shoppers
- American Express Business Green Rewards Card: Best charge card with travel rewards and no preset spending limit
Overview of the Best American Express Business Credit Cards
Best For | Annual Fee | Rewards | Additional Perks | ||
|---|---|---|---|---|---|
 American Express® Business Gold Card | Earning premium rewards on your top two spend categories | $375 | Up to 4x points |
| |
 American Express Blue Business® Plus | Points-based rewards with Expanded Buying Power | $0 | Up to 2x points |
| |
 American Express Business Platinum Card® | Premium travel perks | $695 | Up to 5x points |
| |
 Delta SkyMiles® Gold Business Card | Delta frequent flyers wanting a card with a low annual fee | $150 | Up to 2x miles |
| |
 Delta SkyMiles® Platinum Business American Express Card | Premium business Delta features | $350 | Up to 3x miles |
| |
 Delta SkyMiles® Reserve Business American Express Card | Premium Delta perks | $650 | Up to 3x miles |
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American Express Blue Business® Cash™ | Earning fixed-rate cash back with interest-free financing and Expanded Buying Power | $0 | Up to 2% cash back |
| |
 Marriott Bonvoy Business® American Express® Card | Loyal Marriott customers | $125 | Up to 6x points |
| |
 Hilton Honors American Express Business Card | Loyal Hilton customers | $195 | Up to 12x points |
| |
 The Plum Card® From American Express | Payment flexibility | $250 | 1.5% early pay discount |
| |
 Amazon Business Prime American Express Card | Amazon Prime members | $0 | Up to 5% cash back |
| |
 Amazon Business American Express Card | Amazon frequent shoppers without Prime membership | $0 | Up to 3% cash back |
| |
 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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 American Express Business Green Rewards Card | Earning travel rewards & no preset spending limit | $95 | Up to 2x points |
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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® 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
Intro APR
0% on purchases
Regular APR
18.99% - 27.99% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *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.
Intro APR
0% on purchases
Regular APR
18.99% - 27.99% Variable
Annual Fee
$375
Credit Needed
Excellent, Good
- Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.99% to 27.99% variable APR.*
- Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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 up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
- The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
- *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.
Best Features
It lets you earn premium rewards on your top two expense categories and offers a flexible spending limit that adjusts based on your credit needs and payment behavior. 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. On top of that, you can get up to $395 rebates from FedEx, Grubhub, office supply stores, and Walmart.
- 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
- 100,000 Membership Rewards® points after spending $15,000 on eligible purchases within the first three months from the date of account opening
- $0 foreign transaction fee
- Up to $20 credits per month for eligible US purchases at FedEx, Grubhub, and Office Supply Stores
- Up to $155 per year for Walmart+ membership
- Those who don’t want to keep track of spending categories
- Those willing to pay a $375 annual fee in exchange for the card’s perks
Due to its lucrative rewards, it’s not surprising that the card is one of our best business cards for self-employed.
American Express Blue Business® Plus: Best for 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
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- 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.
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.99% - 25.99%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X 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. Terms and limitations apply.
- You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- No Annual Fee
- Terms Apply.
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer
- 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.
Best Features
This is a simple points-based rewards business credit card that offers a 0% introductory period on purchases. What’s more, it lets you spend beyond your current limit through the Expanded Buying Power feature. The amount you can spend adjusts based on your credit usage, payment behavior, credit history, and other financial factors.
- 2x Membership Rewards® points on the first $50,000 in purchases each calendar year
- 1x Membership Rewards® points after the cap is met
- 15,000 Membership Rewards® points after spending $3,000 in purchases within the first three months from the date of account opening
- 0% APR on purchases for the first 12 months of card ownership
- Those needing to spend over their credit limit from time to time
- Those preferring to earn point-based rewards that have flexible redemptions
It’s one of the top business cards for startups because of its flexibility and simplicity.
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
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the 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 1,400 airport lounges worldwide
- $0 foreign transaction fee
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 1,400 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.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
N/A
Regular APR
18.99% - 27.99% Variable
Annual Fee
$695
Credit Needed
Excellent, Good
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the 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, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the 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 1,400 airport lounges worldwide
- $0 foreign transaction fee
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 1,400 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.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Best Features
It offers access to luxury travel perks such as The Global Lounge Collection, which gives cardholders access to over 1,400 airport lounges across 140 countries. It also provides a $200 airline fee credit per year for baggage and other incidental fees. Plus, it charges $0 foreign transaction fees and offers cardholders automatic Marriott Bonvoy® Gold Elite Status and Hilton Honors™ Gold Status.
- 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
- 150,000 Membership Rewards® points after spending $20,000 in qualifying purchases within the first three months from the date of account opening
- Over $1,000 in statement credit on select purchases, including tech, recruiting platforms, and wireless in the first year of membership with the Business Platinum Card®. Enrollment required.
- Those who travel frequently and enjoy luxury perks
- Those planning to spend $20,000 in the first three months of card ownership (to take advantage of the welcome offer)
This card earned a spot on our lists of the top business cards with airport lounge access, leading high-limit business cards, and the best business cards for travel.
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
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $150
Credit Needed
Excellent, Good
- Welcome Offer: Earn 60,000 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 + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business 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
- $0 introductory annual fee for the first year, then $150
- Enjoy $0 foreign transaction fees
- Earn a $200 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
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $150
Credit Needed
Excellent, Good
- Welcome Offer: Earn 60,000 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 + Zone 5 Priority Boarding.
- Elevate your travel experience with an annual statement credit of up to $150 after using your Delta SkyMiles® Gold Business 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
- $0 introductory annual fee for the first year, then $150
- Enjoy $0 foreign transaction fees
- Earn a $200 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
Best Features
It comes with a low annual fee of $150, which is significantly cheaper compared to other Delta-branded cards. Plus, it offers Delta-related rewards and travel perks, such as a free checked bag, inflight savings, and priority boarding. Earned miles rewards can be used toward flights, seat upgrades, car rentals, merchandise, and gift cards.
- 2x miles for every eligible dollar spent on purchases made directly with Delta
- 1x miles on all other purchases
- Welcome Offer: Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
- $200 Delta flight credit to use toward future travel after you spend $10,000 in purchases in a year
- $150 Delta Stays statement credit for eligible prepaid Delta Stays bookings on delta.com
- Up to 15% off when booking Award Travel with miles through TakeOff15
- $0 foreign transaction fees
- Frequent Delta flyers who do not want to pay a high annual fee
- Those who don’t need to access Delta Sky Club®
If you want a Delta card with discounted rates on 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.
Delta SkyMiles® Platinum Business American Express Card: Best for Premium Business Delta Features
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$350
Credit Needed
Excellent, Good
- Welcome Offer: Earn 70,000 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 the 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.
- Receive Zone 5 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
- $0 foreign transaction fee
- 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.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$350
Credit Needed
Excellent, Good
- Welcome Offer: Earn 70,000 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 the 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.
- Receive Zone 5 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
- $0 foreign transaction fee
- 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.
Best Features
It comes with premium business Delta features, such as a companion certificate, a complimentary upgrade list, a free checked bag, and Zone 5 priority boarding. 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.
- 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
- Welcome Offer: Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
- $0 foreign transaction fees
- Up to $10 statement credits per month on eligible purchases with the US Resy restaurants
- 15% miles discount when booking Award Travel with miles through TakeOff15
- Up to $10 back in statement credits each month after you use your Delta SkyMiles® Platinum Business Card to pay for US rideshare purchases with select providers
- $200 credit when you book prepaid hotels or vacation rentals through Delta Stays on delta.com
- Business owners who travel with Delta frequently and want premium perks for a $350 annual fee
- Those who usually travel with companions
Its rewards and travel perks are why it is included in our roundup of the best business cards for miles.
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
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- Welcome Offer: Earn 80,000 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 $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 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 Zone 5 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 SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- 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 early with Zone 5 Priority Boarding.
- 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.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$650
Credit Needed
Excellent, Good
- Welcome Offer: Earn 80,000 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 $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 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 Zone 5 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 SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
- Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
- Terms and limitations apply.
Pros
- Premium travel perks
- $0 foreign transaction fee
- 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 early with Zone 5 Priority Boarding.
- 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.
Best Features
It offers 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 other travel perks such as priority boarding, the first checked bag free, and a Companion Certificate.
- 3x miles per eligible dollar spent on purchases made directly with Delta and hotels
- 1.5x miles on eligible transit, US shipping & office supply store purchases.
- 1x miles on all other purchases
- Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
- 15% off when booking Award Travel with miles through TakeOff15
- Up to $10 statement credits per month on eligible purchases with the US Resy restaurants
- Up to $10 back in statement credits each month for US rideshare purchases with select providers
- $250 Delta Stays statement credit for eligible prepaid Delta Stays bookings on delta.com
- Companion Certificate upon card renewal
- Frequent Delta Air Lines flyers who want complimentary access to the Delta Sky Club®, The Centurion® Lounge, and the Escape Lounge
- Those who are willing to pay a high annual fee of $650 in exchange for these luxury perks
Its premium perks are why it leads our roundup of the best business cards with airport lounge access.
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
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.99% - 25.99%, 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 offer
- 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Intro APR
0% on purchases
Regular APR
17.99% - 25.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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, 17.99% - 25.99%, 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 offer
- 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. (Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.)
Best Features
Not only does it offer premium cash back rewards on all purchases, but it also comes with a flexible credit limit through its Expanded Buying Power feature. 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. Plus, it offers 0% APR on purchases for the first 12 months of card ownership.
- 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
- $250 statement credit after you spend $3,000 in the first three months of card ownership
- No need for redemption as you will receive your cash back rewards as an automatic statement credit
- Business owners who seek to earn automatic cash back rewards with the need to monitor spending categories and redeem manually
- Those who can spend $8,000 in the first three months (to take advantage of the welcome offer)
It is also our leading business card for cash back because of its simple rewards program and automatic rewards without the need for manual redemption.
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
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$125
Credit Needed
Excellent, Good
- 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. Awards 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
- $0 foreign transaction fee
- 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 90 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
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$125
Credit Needed
Excellent, Good
- 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. Awards 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
- $0 foreign transaction fee
- 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 90 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
Best Features
It lets you earn 6x Marriott Bonvoy points per dollar spent on eligible purchases at participating hotels in the Marriott Bonvoy® program. You can also 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.
- 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 US purchases for shipping
- 2x Marriott Bonvoy® points on all other eligible purchases
- 7% discount on eligible bookings and a Free Night Award every year after your card renewal month
- Complimentary Gold Elite status lets you enjoy benefits such as priority late checkout when available and 25% bonus points on stays
- 15 Elite Night Credits per calendar year, which you can use towards the next level of Marriott Bonvoy Elite status
- $0 foreign transaction fee
- Business owners who travel frequently and are loyal Marriott customers
- Those who plan to make at least $8,000 purchases in the first six months (to take advantage of the welcome offer)
Its unique travel perks are why the card made it onto our best business cards for travel and top business cards with no foreign transaction fee lists.
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
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- 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 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- 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.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- 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 through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- 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.
Intro APR
N/A
Regular APR
20.49% - 29.49% Variable
Annual Fee
$195
Credit Needed
Excellent, Good
- 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 1/8/2025.
- Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
- 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.
- Get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card.
- 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 through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
- As a Hilton Honors American Express Business Card Member, you can enroll to receive complimentary National Car Rental® Emerald Club Executive® status through the link on your American Express online account. After you’re enrolled, you can reserve a rental car by calling National Car Rental directly, using your travel service, or by booking online or through the National Car Rental mobile app. Terms apply.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Has a generous welcome offer
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- 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.
Best Features
It 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. On top of that, you’ll receive 175,000 bonus points as a welcome offer when you spend $8,000 within the first six months of account opening.
- 12x Hilton Honors Points on every dollar spent directly with hotels and resorts in the Hilton portfolio
- 5x Hilton Honors Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x points thereafter
- Complimentary Hilton Honors Gold Status lets you receive an 80% bonus on base points earned on every stay
- Upgrade to Hilton Honors™ Diamond Status after spending $40,000 on eligible purchases with your card within a calendar year
- $0 foreign transaction fee
- Complimentary National Car Rental® Emerald Club Executive® status
- $240 Hilton Credit per year on eligible Hilton purchases
- Business owners who stay at Hilton hotels and resorts regularly
- Those who can spend $100,000 or more in a year to take advantage of the premium reward points
This card also made it to our roundup of the best business cards with no foreign transaction fee.
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
Intro APR
N/A
Regular APR
N/A
Annual Fee
$250‡
Credit Needed
Excellent, Good
- Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid 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 Payment Due Date.
- Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
- No Foreign Transaction Fees.‡
- Terms Apply. Learn More.
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.
Intro APR
N/A
Regular APR
N/A
Annual Fee
$250‡
Credit Needed
Excellent, Good
- Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid 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 Payment Due Date.
- Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
- No Foreign Transaction Fees.‡
- Terms Apply. Learn More.
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.
Best Features
This card lets you choose when to receive your bill each month. Plus, it rewards you for paying your bill early—you can earn an unlimited 1.5% cash back on eligible purchases after paying within 10 days of your statement closing date. You also have the option to take a 60-day term to pay your balance without interest if you need more time.
- Unlimited 1.5% cash back (as an early pay discount) after paying your balance within 10 days of your statement closing date
- No preset spending limit lets you have flexible credit limit based on your card usage, credit score, and other financial factors
- $0 foreign transaction fees
- Those who can pay their balances early (so that they can earn rewards or need interest-free financing for 60 days)
- Those who are willing to pay an annual fee of $250
This card does not offer regular rewards on purchases—unless you pay early. Also, you must pay your balance in full each month if you don’t opt for the 60-day 0% APR term.
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
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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 Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can 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
- No 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.
- 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.
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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 Business, AWS, Amazon.com and Whole Foods Market with eligible Prime membership. You can 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
- No 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.
- 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.
Best Features
It gives you the option to choose between a 90-day term or 5% cash back on the first $120,000 purchases from US purchases at Whole Foods Market, Amazon, Amazon Business, and AWS. It charges a $0 annual fee, but you need to pay for an Amazon Prime membership to qualify.
- 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 U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% cash back on all other purchases
- $125 Amazon.com gift card upon card approval
- Amazon Business Enhanced Data Views offer a complete summary of your transactions, which can be categorized by month and purchase type, at the end of each year
- $0 foreign transaction fee
- Amazon Shop with Points
- Business owners with existing Amazon Prime membership
- Those who shop at Amazon frequently
This is our leading business store credit card and one of our top business cards for restaurant owners. If you don’t have a Prime membership, consider the Amazon Business American Express Card.
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
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 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
- No 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.
- 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: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- 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
Intro APR
N/A
Regular APR
18.99% - 26.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back and benefit your bottom line or 60 day no-interest terms to free up your cash flow on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. 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
- No 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.
- 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: Get an additional one-year warranty and receive coverage of up to $10,000 per purchase, with a maximum limit of $50,000 per calendar year, for purchases with a manufacturer’s warranty of five years or less.
- 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
Best Features
This card does not require an active Amazon Prime membership and gives you the option to choose between a 60-day term or 3% cash back rewards on selected websites. It also charges $0 foreign transaction fees, making it a great option if you travel regularly.
- 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 U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% cash back on all other purchases
- $100 Amazon gift card upon card approval
- Special discounts on items at checkout on Amazon.com and Amazon Business using your earned cash back rewards
- Amazon Business Enhanced Data Views provide a complete summary of your transactions for easy monitoring
- Those who shop at Amazon frequently
- Those who do not want to pay for a Prime membership
It is also one of our best Amazon business credit cards. 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.
Lowe’s Business Rewards Card From American Express: Best for Real Estate Investors & Frequent Lowe’s Shoppers
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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.
- 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.
Intro APR
N/A
Regular APR
20.99% - 29.99% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
- 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.
- 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.
Editorial Disclosure: All information about the American Express Lowe’s Business Rewards Card has been collected independently by Fit Small Business.
Best Features
It offers 2% cash back on purchases made at Lowe’s (online or physical store) and other spending categories. It also provides protection coverage, such as purchase protection and extended warranty. On top of that, you’ll get to enjoy 5% off every day on eligible purchases at Lowe’s.
- 2% cash back on purchases made at Lowe’s stores or online at Lowes.com or LowesforPros.com
- 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 all other purchases
- 5% cash back on eligible purchases at Lowe’s for the first six months from the date of card approval for new cardholders
- Employee cards at no additional cost
- Real estate investors, contractors, and regular Lowe’s shoppers
This card also made it to our roundup of the best business store credit cards because of its perks and rewards.
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
Intro APR
N/A
Regular APR
19.49% (Prime Rate + 10.99%) to 27.49% (Prime Rate + 18.99%)
Annual Fee
$95
Credit Needed
Good, Excellent
- 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
- Earns points on flights and hotel stays, ideal for businesses with frequent travel needs, enhancing value for travel-related expenses.
- Provides expense management tools
- Allows eligible purchases to be carried over with an APR, giving flexibility for managing cash flow.
- Offers no preset spending limit, providing businesses with significant purchasing power to cover essential expenses.
Cons
- Lacks cash advance and balance transfer options, limiting flexibility for handling cash flow or consolidating debt.
- Charges fees on foreign transactions, which can add up for businesses with international dealings.
- Does not offer a 0% APR introductory period, making it less ideal for businesses looking to finance large initial purchases interest-free.
- Requires the balance to be paid in full each month, which may be restrictive for businesses needing a traditional credit line for ongoing expenses.
- Amex Offers: Earn statement credits and rewards on eligible business purchases by enrolling in Amex Offers.
- Dispute Resolution: Provides support in resolving fraudulent or incorrect charges on your account.
- Extended Warranty: Extends the original manufacturer’s warranty on eligible purchases up to one additional year.
- Purchase Protection: Covers eligible items against theft or damage for up to 90 days, with a limit of $1,000 per claim and $50,000 per year.
Intro APR
N/A
Regular APR
19.49% (Prime Rate + 10.99%) to 27.49% (Prime Rate + 18.99%)
Annual Fee
$95
Credit Needed
Good, Excellent
- 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
- Earns points on flights and hotel stays, ideal for businesses with frequent travel needs, enhancing value for travel-related expenses.
- Provides expense management tools
- Allows eligible purchases to be carried over with an APR, giving flexibility for managing cash flow.
- Offers no preset spending limit, providing businesses with significant purchasing power to cover essential expenses.
Cons
- Lacks cash advance and balance transfer options, limiting flexibility for handling cash flow or consolidating debt.
- Charges fees on foreign transactions, which can add up for businesses with international dealings.
- Does not offer a 0% APR introductory period, making it less ideal for businesses looking to finance large initial purchases interest-free.
- Requires the balance to be paid in full each month, which may be restrictive for businesses needing a traditional credit line for ongoing expenses.
- Amex Offers: Earn statement credits and rewards on eligible business purchases by enrolling in Amex Offers.
- Dispute Resolution: Provides support in resolving fraudulent or incorrect charges on your account.
- Extended Warranty: Extends the original manufacturer’s warranty on eligible purchases up to one additional year.
- Purchase Protection: Covers eligible items against theft or damage for up to 90 days, with a limit of $1,000 per claim and $50,000 per year.
Editorial Disclosure: All information about the American Express Business Green Rewards Card has been collected independently by Fit Small Business.
Best Features
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.
- 2x Membership Rewards® points on flights and prepaid hotels booked on amextravel.com
- 1x Membership Rewards® points on all other eligible purchases
- 15,000 Membership Rewards® points after spending $3,000 on purchases within the first three months from the date of account opening
- No preset spending limit
- Pay Over Time option lets you carry your eligible balance with interest
- Business owners who travel frequently
- Those who need to carry a balance and a flexible credit limit
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, which include cash back, travel, no-interest, and co-branded 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 co-branded business credit card.
