Best American Express Business Credit Cards of 2022
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
American Express has a total of 14 small business credit cards, including those that offer cash back, travel rewards, points rewards, and store discounts. Some offer flexible credit limits while others offer the option to carry a balance with interest. American Express business cards are best for business owners who want a variety of options for earning rewards.
Here are the best American Express business credit cards:
- American Express® Business Gold Card: Best for earning travel rewards with flexible credit limits
- American Express Business Platinum Card®: Best for business owners who want premium American Express travel perks
- American Express Blue Business Cash™ Card: Best cash back credit card that offers interest-free financing
- American Express Blue Business® Plus Credit Card: Best points-based credit card that offers interest-free financing
- The Plum Card® From American Express: Best for payment flexibility and flexible spending limits
- American Express Business Green Rewards Card: Best low-annual-fee travel rewards card with flexible credit limits
- Amazon Business Prime American Express Card: Best for business owners who have Amazon Prime membership
- Amazon Business American Express Card: Best for frequent Amazon shoppers who are non-Prime members
- Delta SkyMiles® Platinum Business American Express Card: Best for frequent Delta flyers
- Delta SkyMiles® Gold Business Card: Best Delta frequent flyer card with a low annual fee
- Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta perks
- Hilton Honors American Express Business Card: Best for business owners who primarily stay at Hilton
- Marriott Bonvoy Business American Express® Card: Best for business owners who primarily stay at Marriott
- Lowe’s Business Rewards Card From American Express: Best for real estate investors and frequent Lowe’s shoppers
Do you want to compare the features of one card to another? We’ve made it easy for you to do that. Check off up to three cards on this page to add them to your cart. This will allow you to view the details in a side-by-side comparison.
American Express® Business Gold Card: Best for Earning Travel Rewards
American Express® Business Gold Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *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 of $295
- 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 change, 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
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *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 of $295
- 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 change, 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.
Who Is the American Express® Business Gold Card Best For?
The American Express® Business Gold Card is best for business owners who travel frequently and need flexible credit limits. The American Express® Business Gold Card has no preset spending limit—your credit limit adjusts based on your purchase, payment, and credit history. This card offers travel perks like booking a flight using Pay with Points and getting 25% points back, making it a great option if you travel frequently.
The American Express® Business Gold Card allows cardholders to earn 4x points on the first $150,000 in combined purchases from the top two spending categories where your business spends the most each month. If you spend more than $150,000 in airfare and hotel bookings, you may benefit more from the American Express Business Platinum Card®.
American Express® Business Gold Card Fees
- Introductory annual percentage rate (APR): None
- Ongoing APR: 14.99% to 22.99% variable, adjusts with the prime rate
- Annual fee: $295
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: Cash advances aren’t allowed
Why We Like the American Express® Business Gold Card
- No foreign transaction fee: You can make purchases with your card outside of the US and enjoy zero foreign transaction fees.
- Welcome offer: You can earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first three months of opening an account.
- Flexible credit limit: Your credit limit is flexible and adjusts based on your spending habits, payment, and credit history.
- Pay Over Time feature: This feature allows you to carry a balance for eligible transactions and pay it over time with interest as long as it doesn’t exceed your Pay Over Time limit.
- 4x points on top two categories each month: You can earn 4x points on the first $150,000 in combined purchases from the top two categories where your business spends the most each month.
- Get a maximum of 250,000 points back per year: Redeem your rewards to book your flight with American Express Travel and get 25% of your points back, up to 250,000 points per calendar year.
What’s Missing From the American Express® Business Gold Card
The American Express® Business Gold Card doesn’t offer an introductory 0% APR, which may be a disadvantage if you need to finance a large purchase. It also doesn’t allow balance transfers and cash advances, so this card isn’t a good option for those who need to transfer a balance from another credit card or need to make a cash advance. Moreover, it charges a high annual fee of $295, and it doesn’t have a zero annual fee introductory offer.
American Express Business Platinum Card®: Best for Premium Travel Perks
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
See Pay Over Time APR
Regular APR
14.99% - 22.99% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 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 on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Intro APR
See Pay Over Time APR
Regular APR
14.99% - 22.99% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.99% to 22.99% based on your credit worthiness and other factors as determined at the time of account opening.
- Get 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 on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
- $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or $85 statement credit for TSA Pre✓® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
Who Is the American Express® Business Platinum Card® Best For?
The American Express Business Platinum Card® is best for business owners who have frequent travel expenses and those who can pay their balance in full each month. This card offers premium rewards points on travel and hotel bookings as well as travel perks like airport lounge access and airline fee credit on qualifying incidental purchases. While it requires you to pay your balance in full every month, you have the option to use the Pay Over Time feature, which allows you to carry a balance with interest.
The American Express Business Platinum Card® is an excellent travel credit card if you have large travel expenses, including airfare and prepaid hotel bookings. You’ll earn 5x points on flights and prepaid hotels booked through amextravel.com. However, this card charges a high annual fee of $695. This is something that you should consider to ensure that the rewards pay off the cost.
American Express Business Platinum Card® Fees
- Introductory APR: 0% intro APR on purchases eligible for Pay Over Time for 12 months after opening an account
- Ongoing APR:
- Needs to be paid in full monthly
- With the Pay Over Time feature, APR ranges from 14.99% to 22.99%—varies based on the prime rate
- Penalty APR for Pay Over Time balances is currently 29.99% variable
- Annual fee: $695 if application is received on or after January 13, 2022
- Balance transfer fee: Transfers not allowed
- Foreign transaction fee: None
- Cash advance fee: Cash advances aren’t allowed
Why We Like the American Express® Business Platinum Card®
- 0% introductory APR: You can enjoy a 0% APR on purchases that are eligible for Pay Over Time for 12 months after opening an account.
- Welcome offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first three months of opening an account.
- No foreign transaction fee: You won’t be charged foreign transaction fees on purchases made outside of the US.
- Premium travel rewards: The American Express® Business Platinum Card® offers 5x membership rewards points on flights and prepaid hotels on amextravel.com, making this card an excellent choice for frequent travelers.
- Free access to more than 1,300 airport lounges worldwide: You can access more than 1,300 airport lounges in over 500 airports around the world for free.
- Flexible credit limit: This card doesn’t have a preset spending limit—your credit limit adjusts based on your spending habits, payment, and credit history.
- Pay Over Time feature: This feature allows you to carry a balance for eligible transactions and pay it over time with interest, as long as it doesn’t exceed your Pay Over Time limit.
What’s Missing From the American Express® Business Platinum Card®
The American Express® Business Platinum Card® requires you to pay your balance in full each month unless you opt to use the Pay Over Time feature. However, not all transactions are eligible for Pay Over Time. This card doesn’t allow cash advances and balance transfers, charges a high annual fee, and doesn’t offer an introductory zero annual fee period.
American Express Blue Business Cash™ Card: Best Cash Back Card With Interest-free Financing
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 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 American Express and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No 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.
Who Is the American Express Blue Business Cash™ Card Best For?
The American Express Blue Business CashTM Card is best for business owners who might need to spend over their credit limit. This card features expanded buying power, which offers a flexible credit limit that adjusts with your use of the card, payment history, credit record, financial resources, and other factors. This card is also an excellent option for business owners who don’t want to monitor spending categories as it offers fixed-rate rewards for all eligible purchases, regardless of categories.
The American Express Blue Business CashTM Card offers 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. If you want to use your points to pay for purchases or redeem as gift cards, you may find the American Express Blue Business® Plus Credit Card more valuable.
American Express Blue Business CashTM Card Fees
- Introductory APR: 0% on purchases for the first 12 months
- Ongoing APR: 13.99% to 21.99% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: Either $5 or 3% of the amount transferred, whichever is greater
- Foreign transaction fee: 2.7%
- Cash advance fee: Cash advances aren’t allowed
Why We Like the American Express Blue Business CashTM Card
- No annual fee: You can enjoy 12-month interest-free financing and earn rewards without having to pay annual fees.
- 0% introductory APR: This card offers a 0% introductory APR on purchases for 12 months from the date of account opening.
- Fixed-rate rewards: You can enjoy fixed-rate rewards regardless of spending categories.
- Expanded buying power: This card lets you spend beyond your credit limit—the amount you can spend adjusts with your card usage, payment history, credit record, and other factors.
- Welcome offer: You can earn a $250 statement credit after you spend $3,000 in purchases within the first three months of opening an account.
What’s Missing From the American Express Blue Business CashTM Card
The American Express Blue Business CashTM Card doesn’t offer zero foreign transaction fees. You’ll be charged a 2.7% fee for every transaction made outside of the US. Another disadvantage of this business credit card is that it doesn’t allow cash advances. Also, there’s no interest-free financing for balance transfers, as the 0% APR only applies to purchases.
American Express Blue Business® Plus Credit Card: Best Points-based Card With Interest-free Financing
The Blue Business® Plus Credit Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Intro APR
0% on purchases
Regular APR
13.99% - 21.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- 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.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.99% - 21.99%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Extended warranty protection: American Express will match the length of the original manufacturer’s warranty if it’s less than 2 years. It provides an additional 2 years if the original manufacturer’s warranty is between 2 and 5 years. Coverage is limited to $10,000 per occurrence and $50,000 per account each year.
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase. Coverage is limited to $1,000 per occurrence and $50,000 per account each year.
Who Is the American Express Blue Business® Plus Credit Card Best For?
The American Express Blue Business® Plus Credit Card is best for business owners who prefer a points-based rewards credit card that offers flexible credit limits. This small business credit card allows you to spend over your credit limit through its Expanded Buying Power feature. This is also a good option if you prefer to earn fixed-rate rewards on purchases, regardless of spending categories.
The American Express Blue Business® Plus Credit Card offers two points on the first $50,000 in purchases each year, and one point on all purchases thereafter. You can use your points to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers, or redeem them as gift cards from a variety of merchants. If you prefer to earn cash back rewards as an automatic statement credit, consider the American Express Blue Business CashTM Card.
American Express Blue Business® Plus Credit Card Fees
- Introductory APR: 0% on purchases for the first 12 months
- Ongoing APR: 13.99% to 21.99% variable, which adjusts with the prime rate
- Annual fee: None
- Balance transfer fee: $5 or 3% of the amount of each transfer, whichever is greater
- Foreign transaction fee: 2.7% of each transaction after conversion to US dollars
- Cash advance fee: Cash advances aren’t allowed
Why We Like the American Express Blue Business® Plus Credit Card
- No annual fee: You can earn rewards with every purchase without having to pay annual fees.
- 0% introductory APR: You can enjoy a 0% introductory APR on purchases for 12 months after opening an account.
- Fixed-rate rewards: You can enjoy fixed-rate rewards regardless of spending categories.
- Expanded buying power: The Expanded Buying Power feature allows you to spend over your credit limit based on your card usage, payment history, credit record, and other factors.
- Welcome offer: You can earn 15,000 Membership Rewards® points after you spend $3,000 in purchases within the first three months of opening an account.
What’s Missing From the American Express Blue Business® Plus Credit Card
The American Express Blue Business® Plus Credit Card doesn’t allow cash advances, charges a 2.7% foreign transaction fee for purchases made outside of the US, and the 0% introductory APR doesn’t apply on balance transfers.
The Plum Card® From American Express: Best for Payment Flexibility
The Plum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
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
Good, Excellent
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.
- Terms & Restrictions Apply.
Pros
- No preset spending limit
- Cash flow flexibility
- Early pay discount
- No foreign transaction fee
Cons
- Zero annual fee
- Balance is due monthly or every 60 days
- Cash advance & balance transfers aren’t allowed
- Premium roadside assistance: Provides the following services at no additional cost up to four times per year: towing up to 10 miles, winching, jump starts, flat tire change, lockout services, and delivery of two gallons of gas.
- Purchase protection: Covers purchases damaged or stolen within 120 days from the purchase date. Coverage is limited to 1,000 per incident and $50,000 per year.
- Extended warranty protection: You’ll receive an extended warranty protection plan for purchased items with manufacturer’s warranties of up to five years.
Intro APR
N/A
Regular APR
N/A
Annual Fee
$250
Credit Needed
Good, Excellent
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.
- Terms & Restrictions Apply.
Pros
- No preset spending limit
- Cash flow flexibility
- Early pay discount
- No foreign transaction fee
Cons
- Zero annual fee
- Balance is due monthly or every 60 days
- Cash advance & balance transfers aren’t allowed
- Premium roadside assistance: Provides the following services at no additional cost up to four times per year: towing up to 10 miles, winching, jump starts, flat tire change, lockout services, and delivery of two gallons of gas.
- Purchase protection: Covers purchases damaged or stolen within 120 days from the purchase date. Coverage is limited to 1,000 per incident and $50,000 per year.
- Extended warranty protection: You’ll receive an extended warranty protection plan for purchased items with manufacturer’s warranties of up to five years.
Who Is the Plum Card® From American Express Best For?
The Plum Card® From American Express is best for business owners who want a business card that doesn’t have a preset spending limit and offers payment flexibility. This business credit card either allows you to carry a balance for up to 60 days without interest or earn unlimited 1.5% cash back when you pay within 10 days of your statement closing date.
The unlimited 1.5% early-pay discount only applies to the portion of your balance that you pay within 10 days of your statement closing date. If you prefer to earn rewards on all balances, you may want to consider another American Express business credit card that doesn’t require you to pay early to earn rewards.
The Plum Card® From American Express Fees
- Introductory APR: None
- Ongoing APR: None—balance is due in full monthly unless you opt into 60-day free financing terms, or you’ll be charged a penalty of $39 or 1.5% of the past due amount, whichever is greater
- Annual fee: $250
- Balance transfer fee: Balance transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: Cash advances aren’t allowed
Why We Like the Plum Card® From American Express
- No preset spending limit: You can enjoy a flexible credit limit that adjusts with your card usage, payment history, credit, and other factors.
- Cash flow flexibility: You can carry your balance for up to 60 days with no interest if your cash flow doesn’t allow you to pay your balance in full every month.
- Early pay discount: You can earn unlimited 1.5% cash back on the portion of your balance you pay within 10 days of your statement closing date.
- No foreign transaction fee: You won’t be charged a foreign transaction fee if you use your card to make purchases outside the US.
What’s Missing From the Plum Card® From American Express
The Plum Card® From American Express doesn’t have a welcome offer, zero annual fee period, or introductory 0% APR. Another disadvantage is that it doesn’t allow balance transfers or cash advances. You also need to pay your balance in full every month unless you opt into 60-day free financing terms. If you choose the 60-day free financing terms, you won’t receive rewards on your purchases.
American Express Business Green Rewards Card: Best Low Annual Fee Travel Rewards Card
Business Green Rewards Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Employee expense management solutions
Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $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
- $0 introductory annual fee for the first year, then $95
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.
Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $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
- $0 introductory annual fee for the first year, then $95
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.
Who Is the American Express Business Green Rewards Card Best For?
The American Express Business Green Rewards Card is best for business owners who want a travel rewards charge card that has a low annual fee and offers flexible credit limits. This card also offers several travel perks and protections, as well as rewards that can be redeemed for travel expenses. It has no preset spending limit—your credit limit adjusts based on your purchase, payment, and credit history.
The American Express Business Green Rewards Card is a charge card that needs to be paid in full every month. However, it offers a Pay Over Time option, which allows you to carry a balance on eligible purchases, with interest that ranges from 14.24% to 22.24%.
American Express Business Green Rewards Card Fees
- Introductory APR: None
- Ongoing APR: If invited to use the Pay Over Time feature, APR ranges from 14.24% to 22.24%, which adjusts with the prime rate
- Annual fee: $95—waived for the first year
- Balance transfer fee: Transfers not allowed
- Foreign transaction fee: 2.7% of each transaction after conversion to US dollars
- Cash advance fee: Cash advances not allowed
Why We Like the American Express Business Green Rewards Card
- Flexible spending limit: This business credit card offers a flexible credit limit that will adjust based on your purchase, payment, and credit history.
- Option to pay over time: While this card typically requires that you pay your balance in full each month, it offers a Pay Over Time option which allows you to carry a balance on eligible purchases and pay over time with interest.
- Welcome offer: You can earn 15,000 membership points when you spend at least $3,000 within the first three months of opening an account.
- Zero annual fee period: You won’t be charged an annual fee for the first year, then you’ll pay $95 per year thereafter.
What’s Missing From the American Express Business Green Rewards Card
The American Express Business Green Rewards Card doesn’t offer a 0% introductory APR—your balance is due in full every month unless you opt to use the Pay Over Time feature. This card doesn’t offer balance transfers or cash advances, and it charges a 2.7% foreign transaction fee for purchases made outside of the US.
Amazon Business Prime American Express Card: Best for Amazon Prime Members
Amazon Business Prime American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory 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
14.99% - 22.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory 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.
Who Is the Amazon Business Prime American Express Card Best For?
The Amazon Business Prime American Express Card is designed for business owners who are members of Amazon Prime. This business credit card offers 5% cash back or 90-day free financing on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, as well as exclusive perks.
The Amazon Business Prime American Express Card is exclusively for those who have an Amazon Prime membership. If you’re a frequent Amazon shopper but not a Prime member, the American Express Amazon Business Card is the right card for you.
Amazon Business Prime American Express Card Fees
- Introductory APR: None—but users can get 0% APR for 90 days on purchases from Amazon businesses
- Ongoing APR: 14.99% to 22.99% variable—changes with the prime rate
- Annual fee: None
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is greater—cash advance APR is 25.74% variable
Why We Like the Amazon Business Prime American Express Card
- 5% back or interest-free financing options: You have the option to earn 5% back on the first $120,000 in purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market, or take advantage of the 90-day interest-free financing.
- No annual fee: You can enjoy earning rewards without having to pay annual fees.
- No foreign transaction fees: You can also make purchases outside of the US without having to worry about foreign transaction fees.
- Amazon Business enhanced data views: Enhanced data views list your purchases item by item in an easily downloadable file from your online statement, allowing you to reconcile your expenses easily.
- Amazon shop with points: The rewards you earn don’t expire, and you can use them at checkout on US Amazon.com and Amazon Business or apply toward a purchase on your statement.
What’s Missing From the Amazon Business Prime American Express Card
The Amazon Business Prime American Express Card doesn’t offer a 0% introductory APR unless you choose the 90-day interest-free term. The 90-day interest-free term is also short compared to most credit cards that offer an introductory 0% APR period. This card doesn’t allow balance transfers, so it may not be a good option if you plan to transfer a balance from another card. This card is only available to Amazon Prime members.
Amazon Business American Express Card: Best for Non-Prime Amazon Shoppers
Amazon Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Intro APR
N/A
Regular APR
14.99% - 22.99% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Who Is the Amazon Business American Express Card Best For?
The Amazon Business American Express Card is best for business owners who frequently shop with Amazon but aren’t Prime members. This small business credit card offers rewards or free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, without requiring an Amazon Prime membership.
The Amazon Business American Express Card is available to non-Amazon Prime members. If you have an existing Prime membership, you would benefit more from the Amazon Business Prime American Express Card.
Amazon Business American Express Card Fees
- Introductory APR: None—but users can get 0% APR for 60 days on purchases from Amazon businesses
- Ongoing APR: 14.99% to 22.99% variable—changes with the prime rate
- Annual fee: None
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is greater—APR is 25.74%
Why We Like the Amazon Business American Express Card
- Welcome offer: You get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- 3% Back or 60-day terms: You can either earn 3% back or enjoy 60-day interest-free terms on US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. The 3% back is applicable to the first $120,000 in purchases each calendar year—after that, it’s 1%.
- No 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.
- No foreign transaction fees: You can use your card to make purchases outside of the US without having to pay foreign transaction fees.
- Amazon Business enhanced data views: You can reconcile your expenses easily with the enhanced data views that list your purchases item by item.
- Amazon shop with points: Use your rewards to pay for purchases from the US Amazon.com and Amazon Business or apply them toward a purchase on your statement.
What’s Missing From the Amazon Business American Express Card
The Amazon Business American Express Card doesn’t offer a 0% introductory APR unless you opt for the 60-day term. This 0% term is shorter compared to most business credit cards’ introductory rates and only applies to purchases made at the US Amazon Business, AWS, Amazon.com, and Whole Foods Market. Also, this card doesn’t allow balance transfers.
The Amazon Business American Express Card, Amazon Business Prime American Express Card, and American Express Blue Business CashTM Card made it to our list of the Best Amazon Business Credit Cards.
Delta SkyMiles® Platinum Business American Express Card: Best for Frequent Delta Flyers
Delta SkyMiles® Platinum Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 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
16.49% - 25.49% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
- Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 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.
Who Is the Delta SkyMiles® Platinum Business American Express Card Best For?
The Delta SkyMiles® Platinum Business American Express Card is best for business owners who fly frequently on Delta Airlines as this card offers premium miles on Delta flights, priority boarding, and free checked-in baggage. You can redeem your miles by booking travel on Delta and Delta Connection carrier-operated flights and flights booked through the Delta rewards portal.
The Delta SkyMiles® Platinum Business American Express Card offers 1.5 miles, which is an extra half mile per dollar, on single eligible purchases of $5,000 or more, up to 50,000 additional miles per calendar year. If you spend more than $50,000 per year, you would benefit more from the Delta SkyMiles® Reserve American Express Business Card.
Delta SkyMiles® Platinum Business American Express Card Fees
- Introductory APR: None
- Ongoing APR: 16.49% to 25.49% variable—changes with the prime rate
- Annual fee: $250
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is higher—cash advance APR is 25.99%
Why We Like the Delta SkyMiles® Platinum Business American Express Card
- Welcome Offer: Earn 60,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- Status Boost®: Earn 10,000 Medallion® Qualification Miles after spending $25,000 in purchases on your card in a calendar year, up to two times per year.
- No foreign transaction fees: You can use your card to make purchases outside of the US without having to worry about foreign transaction fees.
- In-flight savings: Receive a 20% savings in the form of a statement credit on all eligible in-flight purchases, including food, beverages, and audio headsets, when you use your card to pay for these purchases.
- Business management tools: American Express provides expense management tools such as QuickBooks integration, American Express® Business App, and Vendor Pay by Bill.com. It also allows you to assign a trusted team member as an account manager to handle tasks like making payments, reviewing transactions, and adding employee cards.
- Delta Sky Club® per-visit rate: Enjoy an exclusive per-visit rate of $39 per person for you and up to two traveling companions when traveling on Delta.
What’s Missing From the Delta SkyMiles® Platinum Business American Express Card
The Delta SkyMiles® Platinum Business American Express Card doesn’t offer a 0% introductory APR and zero annual fee period. You’ll be charged an annual fee of $250. It also doesn’t offer balance transfers—if you need to transfer a balance from another credit card, this card may not be right for you.
Delta SkyMiles® Gold Business Card: Best Delta Frequent Flyer Card With Low Annual Fee
Delta SkyMiles® Gold Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Who Is the Delta SkyMiles® Gold Business American Express Card Best For?
The Delta SkyMiles® Gold Business American Express Card is best for business owners who fly frequently on Delta Airlines and who also spend on advertising, shipping, and dining. This card offers unlimited rewards when you use your credit card to pay for advertising in select media, US shipping purchases, and dining at restaurants. This is also a great option for those who are looking for a Delta frequent-flyer credit card that has a low annual fee.
The Delta SkyMiles® Gold Business American Express Card is best for business owners who are loyal Delta flyers but also have significant expenses in other spending categories. If you plan to use your card primarily for Delta flights and hotel bookings, you might find the Delta SkyMiles® Platinum American Express Business Card more valuable.
Delta SkyMiles® Gold Business American Express Card Fees
- Introductory APR: None
- Ongoing APR: 16.49% to 25.49% variable, which changes with the prime rate
- Annual fee: $99—waived for the first year
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is higher—cash advance APR is 25.99%, variable
Why We Like the Delta SkyMiles® Gold Business American Express Card
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Low annual fee: The Delta SkyMiles® Gold Business American Express Card only charges a $99 annual fee, which is waived for the first year.
- No foreign transaction fees: You can use your card to make purchases outside of the US without having to pay foreign transaction fees.
- Earn a $100 Delta flight credit: When you spend a total of $10,000 in purchases in a calendar year, you’ll earn a $100 Delta flight credit to use toward future travel.
- In-flight savings: Enjoy a 20% savings in the form of a statement credit on all eligible in-flight purchases, including food, beverages, and audio headsets, when you use your card to pay for these purchases.
What’s Missing From the Delta SkyMiles® Gold Business American Express Card
One disadvantage of the Delta SkyMiles® Gold Business American Express Card is that it doesn’t allow balance transfers. Also, unlike the other Delta SkyMiles® American Express credit cards, the Delta SkyMiles® Gold Business American Express Card doesn’t offer free or discounted access to the Delta Sky Club. Additionally, this card doesn’t offer 0% introductory financing—this is something you should consider if you plan to use your card to make a large purchase.
Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta perks
Delta SkyMiles® Reserve Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlocking the ultimate Delta travel experience
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Plus enjoy 3X miles per dollar on all eligible Delta purchases.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Plus enjoy 3X miles per dollar on all eligible Delta purchases.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Who Is the Delta SkyMiles® Reserve Business American Express Card Best For?
The Delta SkyMiles® Reserve Business American Express Card is best for business owners who primarily fly with Delta Airlines and want to enjoy premium travel perks like free check-in baggage and complimentary access to airport lounges. You can also enjoy complimentary access to Delta Sky Club and a reduced rate of $39 per person for up to two guests.
This card is also a great option if you can spend at least $150,000 in annual purchases. It offers 1.5 miles per dollar, which is an extra half-mile per dollar, on eligible purchases for the rest of the year after you spend $150,000. If you don’t spend this much in a year, you may want to consider either the Delta SkyMiles® Platinum Business American Express Card or Delta SkyMiles® Gold Business American Express Card.
Delta SkyMiles® Reserve Business American Express Card Fees
- Introductory APR: None
- Ongoing APR: 16.49% to 25.49% variable, which changes with the prime rate
- Annual fee: $550
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is higher—cash advance APR is 25.99% variable
Why We Like the Delta SkyMiles® Reserve Business American Express Card
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- Premium travel perks: The Delta SkyMiles® Reserve Business American Express Card offers premium travel perks, such as Delta Sky Club access, Delta Sky Club one-time guest passes, access to The Centurion® Lounge and Escape Lounge, complimentary upgrades, priority boarding, free checked bag, and more.
- No foreign transaction fees: You can use your card to make purchases outside the US without having to pay foreign transaction fees.
- Status Boost®: You can earn 15,000 MQMs after spending $30,000 in purchases in a calendar year, up to four times per year.
- Delta Sky Club access: Enjoy complimentary access to Delta Sky Club. You’ll also receive two Delta Sky Club one-time guest passes each year.
What’s Missing From the Delta SkyMiles® Reserve Business American Express Card
The Delta SkyMiles® Reserve Business American Express Card comes with a high annual fee of $550, without an introductory zero annual fee promo. It also doesn’t offer introductory interest-free financing. Also, balance transfers aren’t available.
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
16.49% - 25.49% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Low annual fee
- No foreign transaction fees
- Complimentary Hilton Gold Status
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
- Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Low annual fee
- No foreign transaction fees
- Complimentary Hilton Gold Status
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
- Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Who Is the Hilton Honors American Express Business Card Best For?
The Hilton Honors American Express Business Card is best for business owners who stay primarily at Hilton hotels and resorts. This card offers 12x points per dollar for purchases made directly with Hilton hotels and resorts, as well as free weekend night rewards when you meet certain thresholds. You can use your Hilton Honors Bonus Points to pay for hotel stays, unique travel experiences, Amazon shopping, or purchases from airline partners.
The Hilton Honors American Express Business Card is also an excellent option for those who travel frequently, as it comes with premium travel perks such as free priority access to Priority Pass airport lounges. If you don’t need to earn travel rewards, consider other American Express business credit cards.
Hilton Honors American Express Business Card Fees
- Introductory APR: None
- Ongoing APR: 16.49% to 25.49% variable, which changes with the prime rate
- Annual fee: $95
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is higher—cash advance APR is 25.99%, variable
Why We Like Hilton Honors American Express Business Card
- Limited Time Offer: Limited Time Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 3 months of Card Membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. Offer expires 7/6/2022.
- Premium rewards points: This card offers high rewards points as follows:
- 12x points per dollar for purchases made directly with Hilton hotels and resorts
- 6x points per dollar on US wireless telephone services, shipping, travel purchases (including flights booked directly with airlines or with Amex Travel and car rentals booked directly from select car rental companies), and dining at US restaurants
- 3x points per dollar on all other eligible purchases
- Free weekend night reward: Get a free weekend night stay when you spend $15,000 in one year and a second weekend night reward after you spend $60,000 in one year
- Low annual fee: This card charges an annual fee of $95, which is lower than most business credit cards.
- No foreign transaction fees: This small business credit card doesn’t charge foreign transaction fees on purchases made outside the US.
- Complimentary Hilton Honors Gold Status: As a Hilton Honors Gold member, you can enjoy perks like an 80% bonus on all Base Points, space-available room upgrades, and more.
- 10 complimentary priority pass visits: You’ll have 10 complimentary visits to a selection of over 1,200 airport lounges each year once enrolled in Priority Pass™ Select Membership.
What’s Missing From Hilton Honors American Express Business Card
This Hilton Honors American Express Business Card doesn’t allow balance transfers, and it doesn’t offer a 0% introductory APR. While it charges a low $95 annual fee, you’ll need to pay the fee right away.
Marriott Bonvoy Business American Express® Card: Best for Loyal Marriott Customers
Marriott Bonvoy Business™ American Express® Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, 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 a participating hotel. Certain hotels have resort fees.
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
- Terms apply.
Pros
- You’ll enjoy complimentary Marriott Bonvoy Silver Elite status
- Earn 6x points per $1 spent at participating Marriott Bonvoy hotels
Cons
- You’ll pay a $125 annual fee
- Points are worth less when redeemed for less expensive hotels
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers’ warranties of five years or less.
- Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.
Intro APR
N/A
Regular APR
16.49% - 25.49% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy™ program.
- 4x points at U.S. restaurants, 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 a participating hotel. Certain hotels have resort fees.
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
- Terms apply.
Pros
- You’ll enjoy complimentary Marriott Bonvoy Silver Elite status
- Earn 6x points per $1 spent at participating Marriott Bonvoy hotels
Cons
- You’ll pay a $125 annual fee
- Points are worth less when redeemed for less expensive hotels
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers’ warranties of five years or less.
- Complimentary Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status and have access to exclusive benefits, such as 25% bonus points on purchases at participating hotels, priority late checkout, and access to an elite reservation line.
Who Is the Marriott Bonvoy Business American Express® Card Best For?
The Marriott Bonvoy Business American Express® Card is best for business owners who primarily stay at Marriott hotels and want to earn Marriott Bonvoy rewards. It offers 6x points at participating hotels, which include all of the previous Starwood Preferred Guest and Ritz-Carlton properties.
This small business credit card is also an excellent choice for those who travel frequently and want to earn travel rewards that can be redeemed for free hotel stays, flights, car rentals, and hotel and air packages. If you don’t need a travel rewards credit card, consider other American Express credit card options.
Marriott Bonvoy Business American Express® Card Fees
- Introductory APR: None
- Ongoing APR: 16.49% to 25.49% variable—adjusts with the prime rate
- Annual fee: $125
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: None
- Cash advance fee: $5 or 3%, whichever is greater—cash advance APR is 25.99%
Why We Like the Marriott Bonvoy Business American Express® Card
- Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in eligible purchases within the first 3 months of Card Membership.
- Free night awards: You’ll receive a free night stay every year after your Card renewal month and another free night award after you spend $60,000 in purchases on your card in a calendar year.
- More than 6,700 participating Marriott Bonvoy hotels: You can redeem your rewards for free hotel stays at more than 6,700 participating Marriott Bonvoy hotels.
- Complimentary Marriott Bonvoy Silver Elite status: You’ll receive complimentary Marriott Bonvoy Silver Elite status, which offers priority late checkout when available and 10% bonus points on stays.
- No foreign transaction fees: You won’t be charged foreign transaction fees on the purchases you make outside of the US.
- Premium rewards points: You can earn premium rewards points as follows:
- 6x points per $1 spent at participating Marriott Bonvoy hotels
- 4x points per dollar on expenses at restaurants and gas stations and on shipping and wireless phone services
- 2x points per dollar on all other purchases
- Premium internet access: You’ll receive premium internet access while staying at hotels participating in the Marriott Bonvoy program.
What’s Missing From the Marriott Bonvoy Business American Express® Card
The Marriott Bonvoy Business American Express® Card doesn’t offer a zero annual fee period—you’ll be charged an annual fee of $125 right away. It also doesn’t offer an interest-free financing period, which is a drawback if you plan to make a large purchase. Additionally, balance transfers aren’t allowed.
Lowe’s Business Rewards Card From American Express: Best for Real Estate Investors & Frequent Lowe’s Shoppers
Lowe’s Business Rewards Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Accessing discounts and rewards at Lowe’s
Intro APR
0%
Regular APR
15.74% - 24.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 5% off at Lowe's
- Lowe's ProServices for discounted delivery and more
- Earn 5,000 Lowe's Business Rewards Points; after you spend $100 in purchases on the Card within your first 30 days of Card Membership.
- $0 annual fee
- 0.0% introductory APR on purchases for six months. After that, your APR will be a variable rate, currently 17.24% to 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- Use this Card to receive points you can redeem for gift cards and more to use toward business expenses.
- 3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
- 2X Points at Lowe's
- 1X Points on other purchases
Pros
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
Cons
- No 0% introductory APR period
- Balance transfers are not 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 p[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
0%
Regular APR
15.74% - 24.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 5% off at Lowe's
- Lowe's ProServices for discounted delivery and more
- Earn 5,000 Lowe's Business Rewards Points; after you spend $100 in purchases on the Card within your first 30 days of Card Membership.
- $0 annual fee
- 0.0% introductory APR on purchases for six months. After that, your APR will be a variable rate, currently 17.24% to 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- Use this Card to receive points you can redeem for gift cards and more to use toward business expenses.
- 3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
- 2X Points at Lowe's
- 1X Points on other purchases
Pros
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
Cons
- No 0% introductory APR period
- Balance transfers are not 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 p[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.
Who Is the Lowe’s Business Rewards Card from American Express Best For?
The Lowe’s Business Rewards Card from American Express is best for business owners who shop frequently at Lowe’s, as well as real estate investors, contractors, and fix-and-flippers. The Lowe’s Business Rewards Card offers in-store discounts, and you can earn reward points on eligible purchases.
The Lowe’s Business Rewards Card is a practical option for those who need to shop for home improvement products frequently, as it offers a 5% discount on eligible Lowe’s purchases. However, this card isn’t right for you if you don’t make frequent purchases at Lowe’s.
Lowe’s Business Rewards Card from American Express Fees
- Introductory APR: None
- Ongoing APR: 15.74% to 24.74% variable—changes with prime rate
- Annual fee: None
- Balance transfer fee: Transfers aren’t allowed
- Foreign transaction fee: 2.7% of each transaction after conversion to US dollars
- Cash advance fee: Either $5 or 3%, whichever is greater—cash advance APR is 25.49%
Why We Like the Lowe’s Business Rewards Card from American Express
- Welcome offer: Get a $100 back upon approval, which is earned automatically as a statement credit. You’ll also earn 5% cash back on eligible purchases made on your card at Lowe’s for the first six months after opening an account.
- Access to Lowe’s ProServices: You can access benefits with Lowe’s ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- No annual fee: You can enjoy all of the benefits that come with owning a Lowe’s Business Rewards Card without having to pay annual fees.
- 5% off at Lowe’s: This card offers a 5% discount on all eligible Lowe’s purchases, making this an excellent choice if you’re a frequent shopper at Lowe’s.
What’s Missing From the Lowe’s Business Rewards Card from American Express
The Lowe’s Business Rewards Card from American Express doesn’t offer a 0% introductory APR and doesn’t allow balance transfers. Another disadvantage is that it charges a foreign transaction fee.
How to Choose the Right American Express Credit Card
American Express offers a variety of business credit cards that let you earn rewards, such as cash back, points, and travel rewards. The best American Express business credit card for you depends on your spending habits, rewards preference, and ability to pay your balance in full each month. It’s important to identify your unique business needs when choosing the best American Express business card.
1. Your Preferred Rewards
The type of rewards you want to earn will determine which American Express credit card is the best option for you. American Express credit cards offer travel rewards, cash back, and points-based rewards.
If you want points-based rewards which you can use to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers or redeem as gift cards from a variety of merchants, consider the American Express Blue Business® Plus Credit Card.
If you prefer to earn travel rewards, you can narrow down your options to the following credit cards:
- 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
It’s important to note that the American Express Business Platinum Card®, American Express® Business Gold Card, Hilton Honors American Express Business Card, Marriott Bonvoy Business American Express® Card, and Delta SkyMiles® Platinum Business American Express Card are among our picks for the best business credit cards for travel.
Here are your American Express card options if you want to earn 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
According to our Best Cash Back Business Credit Cards guide, the American Express Blue Business Cash™Card is considered the overall best cash back credit card of 2021.
2. Annual Fees
American Express credit cards come with different annual fees. Some cards offer low to no annual fees, while others charge high annual fees with no introductory zero annual fee period.
If you want a card with no annual fee, consider the following:
- 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
The following cards have low annual fees:
3. Balance Transfers
Most American Express business credit cards do not offer balance transfer services. If you prefer a credit card that allows you to transfer a balance from another card, there are two American Express credit cards that do:
4. Cash Advance Services
Some of the American Express business credit cards do not allow cash advances. If you need to take out a cash advance from time to time, here 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
5. Interest-Free Financing
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 Business Platinum Card® or American Express Blue Business® Plus Credit Card, both of which offer an introductory 0% APR for 12 months after opening an account.
Both the American Express Blue Business Cash Card and American Express Blue Business® Plus Credit Card made it to our list of Best 0% APR Business Credit Cards because of their long introductory no-interest period.
6. Flexible Credit Limits
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 with your card usage, payment habits, credit history, and other factors.
If you need flexible credit limits, consider the following American Express card options:
Bottom Line
American Express offers business credit cards across several categories, which include cash back, travel rewards, no-interest, and cobranded hotel and airline business credit cards. 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, if you need flexible credit limits or prefer to carry a balance, or if you want a co-branded business credit card.
To find other card options, visit our Credit Card Marketplace and our guide to the best small business credit cards.
