Best American Express Business Credit Cards

• 4x Membership Rewards^® points on your top 2 eligible categories
• 3x Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com
• 1x Membership Rewards^® points on all other eligible purchases

• 100,000 Membership Rewards^® points after spending $15,000 on eligible purchases within the first three months from the date of account opening
• $0 foreign transaction fee
• Up to $20 credits per month for eligible US purchases at FedEx, Grubhub, and Office Supply Stores, Up to $240 annually (Enrollment required)
• Up to $155 per year for Walmart+ membership

• Those who don’t want to keep track of spending categories
• Those willing to pay a $375 annual fee in exchange for the card’s perks

• 2x Membership Rewards^® points on the first $50,000 in purchases each calendar year
• 1x Membership Rewards^® points after the cap is met

• 15,000 Membership Rewards^® points after spending $3,000 in purchases within the first three months from the date of account opening
• 0% APR on purchases for the first 12 months of card ownership

• Those needing to spend over their credit limit from time to time
• Those preferring to earn point-based rewards that have flexible redemptions

• 5x Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com
• 2x Membership Rewards^® points on eligible purchases in key business categories, and eligible purchases of $5,000 or more.
• 1x Membership Rewards^® points on all other eligible purchases

• 200,000 Membership Rewards^® points after spending $20,000 in qualifying purchases within the first three months from the date of account opening

• Those who travel frequently and enjoy luxury perks
• Those planning to spend $20,000 in the first three months of card ownership (to take advantage of the welcome offer)

• Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
• Earn 1 Mile on every eligible dollar spent on other purchases.

• Welcome Offer: Earn 90,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
• 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
• Save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
• No foreign transaction fees when you travel overseas.

• Frequent Delta flyers who do not want to pay a high annual fee
• Those who don’t need to access Delta Sky Club^®

• Companion Certificate each year after renewal of your Delta Platinum Business Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250.
• 1.5× miles on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply.
• $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.

• Welcome Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
• Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card.
• $10 back each month after using your enrolled Delta SkyMiles® Platinum Business American Express Card for U.S. rideshare purchases with select providers.
• Get added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.

• Business owners who travel with Delta frequently and want premium perks for a $350 annual fee
• Those who usually travel with companions

• 3x miles per eligible dollar spent on eligible Delta purchases
• $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
• $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.

• Welcome Offer: Earn 125,000 Bonus Miles after spending $15,000 in purchases on your new Card in your first 6 months of Card Membership. Offer ends 4/1/26.
• 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
• Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250
• $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.

• Frequent Delta Air Lines flyers who want complimentary access to the Delta Sky Club^®, The Centurion^® Lounge, and the Escape Lounge
• Those who are willing to pay a high annual fee of $650 in exchange for these luxury perks

• 2% cash back on the first $50,000 of eligible purchases per calendar year
• 1% cash back is earned when the cap is met

• $250 statement credit after you spend $3,000 in the first three months of card ownership
• No need for redemption as you will receive your cash back rewards as an automatic statement credit

Business owners who seek to earn automatic cash back rewards with the need to monitor spending categories and redeem manually

• 6x Marriott Bonvoy^® points per dollar spent at participating hotels in the Marriott Bonvoy program
• 4x Marriott Bonvoy^® points on purchases made at restaurants worldwide, US gas stations, wireless telephone services purchased directly from US service providers, and US purchases for shipping
• 2x Marriott Bonvoy^® points on all other eligible purchases

• 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy® member & a Marriott Bonvoy Business® American Express® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
• Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.

• Business owners who travel frequently and are loyal Marriott customers
• Those who plan to make at least $6,000 purchases in the first six months (to take advantage of the welcome offer)

• 12x Hilton Honors Points on every dollar spent directly with hotels and resorts in the Hilton portfolio
• 5x Hilton Honors Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3x points thereafter

• Complimentary Hilton Honors Gold Status lets you receive an 80% bonus on base points earned on every stay
• Upgrade to Hilton Honors™ Diamond Status after spending $40,000 on eligible purchases with your card within a calendar year
• $0 foreign transaction fee
• Complimentary National Car Rental^® Emerald Club Executive^® status
• $240 Hilton Credit per year on eligible Hilton purchases

• Business owners who stay at Hilton hotels and resorts regularly
• Those who can spend $100,000 or more in a year to take advantage of the premium reward points

• 5% Back or 90-Day Terms on selected US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market
• 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% cash back on all other purchases

• $125 Amazon.com gift card upon card approval
• Amazon Business Enhanced Data Views offer a complete summary of your transactions, which can be categorized by month and purchase type, at the end of each year
• $0 foreign transaction fee
• Amazon Shop with Points

• Business owners with existing Amazon Prime membership
• Those who shop at Amazon frequently

• 60-day term or 3% cash back on selected US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market
• 2% cash back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
• 1% cash back on all other purchases

• $100 Amazon gift card upon card approval
• Special discounts on items at checkout on Amazon.com and Amazon Business using your earned cash back rewards
• Amazon Business Enhanced Data Views provide a complete summary of your transactions for easy monitoring

• Those who shop at Amazon frequently
• Those who do not want to pay for a Prime membership

• 2% cash back on purchases made at Lowe’s stores or online at Lowes.com or LowesforPros.com
• 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers
• 1% cash back on all other purchases

• 5% cash back on eligible purchases at Lowe’s for the first six months from the date of card approval for new cardholders
• Employee cards at no additional cost

• Real estate investors, contractors, and regular Lowe’s shoppers

• 2x Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com
• 1x Membership Rewards^® points on all other eligible purchases

• 15,000 Membership Rewards^® points after spending $3,000 on eligible purchases within the first three months from the date of account opening
• No preset spending limit
• Pay Over Time option lets you carry your eligible balance with interest

• Business owners who travel frequently
• Those who need to carry a balance and a flexible credit limit

The type of rewards you want to earn will determine which American Express credit card is right for you. American Express credit cards offer travel rewards, cash back, and points-based rewards.

Points-based rewards: American Express Blue Business^® Plus Credit Card

You can use your points to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers. You can also redeem points as gift cards from various merchants.

Travel rewards:

• American Express^® Business Gold Card
• American Express Business Platinum Card^®
• American Express Business Green Rewards Card
• Delta SkyMiles^® Platinum Business American Express Card
• Delta SkyMiles^® Gold Business Card
• Delta SkyMiles^® Reserve Business American Express Card
• Hilton Honors American Express Business Card
• Marriott Bonvoy Business American Express^® Card

Cash back:

• American Express Blue Business Cash™ Card
• The Plum Card^® From American Express
• Amazon Business Prime American Express Card
• Amazon Business American Express Card
• Lowe’s Business Rewards Card from American Express

American Express credit cards come with varied annual fees. Some offer low or no annual fees, whereas others charge high annual fees with no introductory zero annual fee period.

No-annual-fee American Express business credit cards:

• American Express Blue Business Cash Card
• American Express Blue Business^® Plus Credit Card
• Amazon Business Prime American Express Card
• Amazon Business American Express Card
• Lowe’s Business Rewards Card from American Express

American Express business credit cards with low annual fees:

• American Express Business Green Rewards Card
• Hilton Honors American Express Business Card
• Marriott Bonvoy Business American Express^® Card
• Delta SkyMiles^® Gold Business Card

Most American Express business credit cards do not offer balance transfer services. If you prefer a card that allows you to transfer a balance from another, your options are American Express Blue Business^® Plus Credit Card and American Express Blue Business Cash™ Card.

Some American Express business credit cards do not allow cash advances. If you need to take out a cash advance from time to time, these are your options:

• Lowe’s Business Rewards Card from American Express
• Marriott Bonvoy Business American Express^® Card
• Hilton Honors American Express Business Card
• Delta SkyMiles^® Reserve Business American Express Card
• Delta SkyMiles^® Gold Business American Express Card
• Delta SkyMiles^® Platinum Business American Express Card
• Amazon Business American Express Card
• Amazon Business Prime American Express Card

Most American Express credit cards do not offer an introductory 0% APR. If you plan to finance a large purchase and take advantage of 0% interest for a certain period, you can choose between the American Express Blue Business Cash™ Card and American Express Blue Business^® Plus Credit Card. Both credit cards offer an introductory 0% APR for 12 months after opening an account.

Some American Express credit cards have no preset spending limit or offer expanded buying power—this means your credit limit is flexible, or you are allowed to spend over your limit. The amount you can spend adjusts to your card usage, payment habits, credit history, and other factors. If you need flexible credit limits, consider the following cards:

• American Express^® Business Gold Card
• American Express^® Business Platinum Card^®
• American Express Blue Business Cash Card
• American Express Blue Business^® Plus Credit Card
• The Plum Card^® From American Express
• American Express Business Green Rewards

As long as you meet the requirements, it’s easy to get approved for an American Express business credit card. You need to have a good to excellent personal credit score to qualify for American Express credit cards. Based on American Express’s website, the online application process only takes a few minutes, and you can get a decision in a few seconds.

You can process your application online or by phone by calling 1-877-673-6758. You will need to provide the following information:

• Business’s legal name, address, phone number, and email address
• Federal tax identification number (TIN), or Social Security number
• Type of industry your business is engaged in
• Company structure
• Number of years your company has been in business
• Number of employees
• Annual business revenue
• The name you would like to appear on the card

American Express business credit cards provide several benefits that may be valuable to your business. You can earn rewards on your everyday purchases and take advantage of expense management tools. Furthermore, you can benefit from other perks, which vary depending on the type of American Express business credit card you choose.