Best American Express Business Credit Cards of 2022

American Express offers 14 small business credit cards with different reward programs, such as 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. Also, there are cobranded American Express business cards that are best for business owners who are loyal to a particular store or airline company.

Here are all the American Express business credit cards and what each is best for:

• 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® Gold Business Card: Best Delta frequent flyer card with a low annual fee
• Delta SkyMiles® Platinum Business American Express Card: Best for frequent Delta flyers
• 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

To see how these cards stack up against others we have reviewed on our site, simply click Add to Compare on a card below and select up to two additional cards for comparison.

American Express® Business Gold Card: Best for Earning Travel Rewards

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. It has no preset spending limit—your credit limit adjusts based on your purchase, payment, and credit history. This card offers travel perks like baggage insurance, trip delay insurance, and booking a flight using Pay with Points and getting 25% points back. This card is 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®.

Why We Like the American Express® Business Gold Card

• Sign-up bonus: You can earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first three months of card membership.
• 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.
• No preset spending limit: Your spending limit is flexible and adapts based on factors like your spending habits, payment behavior, and credit history.
• 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.
• No foreign transaction fee: You can make purchases with your card outside of the US and enjoy zero foreign transaction fees.

What’s Missing From the American Express® Business Gold Card

The American Express® Business Gold Card doesn’t offer an introductory 0% APR, and it doesn’t allow balance transfers and cash advances. This is something that you need to consider, especially if you plan to make a large purchase, transfer a balance from another card, or 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

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. Consider the American Express® Business Gold Card if you want a card with a lower annual fee and prefer to earn travel rewards but don’t need travel perks like access to airport lounges.

Why We Like the American Express® Business Platinum Card®

• 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.
• Premium 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. You can also earn around 1x to 1.5x points on other spending categories.
• Free access to more than 1,400 airport lounges worldwide: Enjoy complimentary access to over 1,400 airport lounges worldwide, including The Centurion Network of Lounges and Studios, Airspace, Priority Pass Select, Escape Lounges-The Centurion® Studio Partner, Plaza Premium, Delta Sky Club when flying Delta, and select Lufthansa Lounges when flying Lufthansa Group.
• $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
• Get up to 1,000,000 points back per year: Receive 35% points back when you redeem rewards to book a first or business class flight with American Express Travel, up to 1,000,000 points back per calendar year.
• No preset spending limit: This card doesn’t have a preset spending limit—your credit limit adjusts based on your spending habits, payment, and credit history.
• No foreign transaction fee: You won’t be charged foreign transaction fees on purchases made outside of the country.

What’s Missing From the American Express® Business Platinum Card®

While the American Express® Business Platinum Card® offers premium travel rewards and perks, it 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

Who Is the American Express Blue Business Cash™ Card Best For?

The American Express Blue Business Cash^TM Card is best for business owners who might need to spend over their credit limit, as it features expanded buying power. You can spend beyond your credit limit, which adjusts with your use of the card, payment history, credit record, financial resources, and other factors. This card offers fixed-rate rewards for all eligible purchases, regardless of categories, making it an excellent option for business owners who don’t want to monitor spending categories.

The American Express Blue Business Cash^TM Card offers 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically. If you want to use your points to pay for purchases or redeem rewards as gift cards, you may find the American Express Blue Business® Plus Credit Card more valuable. Both the American Express Blue Business Cash^TM Card and Blue Business® Plus Credit Card offer the lowest APR among all American Express business credit cards.

Why We Like the American Express Blue Business Cash^TM 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.
• Sign-up bonus: 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 Cash^TM Card

The American Express Blue Business Cash^TM Card doesn’t offer zero foreign transaction fees. You’ll be charged a 2.7% fee for every transaction made outside of the United States. Besides that, it doesn’t allow cash advances, nor is there interest-free financing for balance transfers, as the 0% introductory APR only applies to purchases.

American Express Blue Business® Plus Credit Card: Best Points-based Card With Interest-free Financing

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. Just like the American Express Blue Business Cash^TM Card, this card offers a 0% APR period on purchases and has the lowest starting APR among all other American Express business cards.

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 Cash^TM Card.

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.
• Sign-up bonus: 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 and charges a 2.7% foreign transaction fee for purchases made outside of the United States. Also, it’s worth noting that the 0% introductory APR doesn’t apply to balance transfers.

The Plum Card® From American Express: Best Charge Card for Payment Flexibility

Who Is the Plum Card® From American Express Best For?

The Plum Card® From American Express is a charge card, so it doesn’t come with an APR. It’s best for business owners who want a business card that doesn’t have a preset spending limit and offers payment flexibility.

With the Plum Card® From American Express, you can either 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. If you fail to pay within the due date, you’ll be charged a fee of either $39 or 1.5% of the past due amount, whichever is greater. If you don’t pay for two consecutive billing periods, the fee is either $39 or 2.99% of the past due amount, whichever is greater.

Keep in mind that 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.

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 U.S.

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, and an 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

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 like baggage insurance and car rental loss and damage insurance. Besides that, it offers 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, so you need to pay your balance 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 14.99% to 22.99%. Consider other American Express credit cards if you want to use a regular business credit card and not a charge card.

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.
• Pay Over Time feature: 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.
• Sign-up bonus: You can earn 15,000 Membership Rewards® points when you spend at least $3,000 within the first three months of card ownership.
• 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 also doesn’t offer balance transfers or cash advances, and it charges a 2.7% foreign transaction fee for purchases made outside of the United States.

Amazon Business Prime American Express Card: Best for Amazon Prime Members

Who Is the Amazon Business Prime American Express Card Best For?

The Amazon Business Prime American Express Card is designed for business owners who have an existing Amazon Prime membership. This business credit card offers 5% cash back or 90-day free financing on U.S. purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, as well as exclusive perks. You’ll also earn 2% cash back on dining, gas, and wireless phone services purchased directly from service providers, and 1% cash back on all other purchases.

The Amazon Business Prime American Express Card is exclusively for those who have an Amazon Prime membership. While it doesn’t charge an annual fee, you have to pay for an Amazon Prime membership to qualify. If you’re a frequent Amazon shopper but not a Prime member, the American Express Amazon Business Card is the right card for you.

Why We Like the Amazon Business Prime American Express Card

• Sign-up bonus: Receive a $125 Amazon Gift Card upon approval without any spending requirements.
• 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 U.S. 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 upon checkout on U.S. Amazon.com and Amazon Business or apply them 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 also doesn’t allow balance transfers, so it may not be a good option if you plan to transfer a balance from another card. On top of those, keep in mind that this card is only available to Amazon Prime members.

Amazon Business American Express Card: Best for Non-Prime Amazon Shoppers

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 either 3% cash back or 60-day interest-free financing terms on U.S. purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, without requiring an Amazon Prime membership. It also offers 2% cash back on dining, gas, and wireless phone services purchased directly from service providers, and 1% cash back on all other purchases.

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 because it offers higher rewards on Amazon purchases or longer interest-free financing terms.

Why We Like the Amazon Business American Express Card

• Sign-up bonus: You get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card without any spending requirements.
• 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, you’ll receive 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 U.S. Amazon Business, AWS, Amazon.com, and Whole Foods Market. Also, this card doesn’t allow balance transfers.

Delta SkyMiles® Gold Business Card: Best Delta Frequent Flyer Card With Low Annual Fee

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, U.S. 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. Unlike the Delta SkyMiles® Platinum American Express Business Card and Delta SkyMiles® Reserve Business American Express Card that charge annual fees of $250 and $550 respectively, this card’s annual fee is only $99, which is waived for the first year.

The Delta SkyMiles® Gold Business American Express Card is also ideal if you’re loyal to Delta Airlines 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.

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.
• Lucrative rewards: Earn 2x miles on purchases directly made with Delta, as well as other categories like online advertising, dining, and shipping. Earn 1x mile on all other 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, it doesn’t offer free or discounted access to the Delta Sky Club. Besides that, 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® Platinum Business American Express Card: Best for Frequent Delta Flyers

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 3x miles on every dollar spent on eligible purchases made directly with Delta and hotels. It also offers 1.5x 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. You’ll earn 1x mile on all other purchases.

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 U.S. 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—plus 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® Reserve Business American Express Card: Best for Premium Delta Perks

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. You can earn 3x miles on Delta purchases and 1x mile on all other purchases. It offers 1.5x 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.

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 three 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 and balance transfers aren’t available.

Hilton Honors American Express Business Card: Best for Loyal Hilton Customers

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 like free priority access to over 1,200 Priority Pass airport lounges. If you don’t need to earn travel rewards, consider other American Express business credit cards.

Why We Like Hilton Honors American Express Business Card

• Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
• 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, it doesn’t waive the fee for the first year.

Marriott Bonvoy Business® American Express® Card: Best for Loyal Marriott Customers

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. You’ll also earn 4x points on dining, gas, shipping, and wireless phone services purchased directly from service providers, and 2x points on all other purchases.

If you travel frequently and want to earn travel rewards that can be redeemed for free hotel stays, flights, car rentals, and hotel and air packages, the Marriott Bonvoy Business® American Express® Card may be a good fit. If you don’t need a travel rewards credit card, consider other American Express credit card options.

Why We Like the Marriott Bonvoy Business® American Express® Card

• Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
• Free night awards: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.
• Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
• 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 at hotels participating in the Marriott Bonvoy® program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points 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

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. It 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.

Why We Like the Lowe’s Business Rewards Card from American Express

• Sign-up bonus: 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.
• Generous rewards: Earn 2% cash back on purchases at Lowe’s after six months of being a card owner. Also, earn 2% cash back on dining, office supplies, and wireless telephone services purchased directly from U.S. service providers, and 1% cash back on all other purchases.

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

How to Choose the Right American Express Credit Card

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Bottom Line

American Express offers business credit cards across several categories, which include cash back, travel rewards, no-interest, and co-branded 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, whether 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.