Editor’s note: This is a recurring post with regularly updated card details.
American Express offers 14 small business credit cards with different reward programs, including cash back, travel, points, and store discounts. Some come with flexible credit limits, while others allow you to carry a balance with interest. The best American Express business credit card for your business depends on your spending habits, rewards preference, and ability to pay your balance in full each month. Here are the 14 business credit cards from American Express:
- American Express Business Platinum Card®: Best for premium travel perks
- American Express® Business Gold Card: Best for earning premium rewards on top two categories where you spend the most
- American Express Blue Business Cash™ Card: Best fixed-rate cash back card with interest-free financing
- American Express Blue Business® Plus Credit Card: Best fixed-rate points-based card with interest-free financing
- The Plum Card® From American Express: Best charge card for payment flexibility
- American Express Business Green Rewards Card: Best charge card with travel rewards and no preset spending limit
- Amazon Business Prime American Express Card: Best for Amazon Prime members
- Amazon Business American Express Card: Best for non-Prime Amazon shoppers
- Delta SkyMiles® Platinum Business American Express Card: Best for discounted Delta Sky Club® rate
- Delta SkyMiles® Gold Business Card: Best Delta frequent flyer card with a low annual fee
- Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta perks
- Hilton Honors American Express Business Card: Best for loyal Hilton customers
- Marriott Bonvoy Business® American Express® Card: Best for loyal Marriott customers
- Lowe’s Business Rewards Card From American Express: Best for real estate investors and frequent Lowe’s shoppers
Overview of the Best American Express Business Credit Cards 2023
It’s important to identify your unique business needs when choosing the best American Express business card. Consider the following factors.
1. Your Preferred Rewards
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
2. Annual Fees
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
3. Balance Transfers
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.
4. Cash Advance Services
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
5. Interest-Free Financing
Most American Express credit cards do not offer an introductory 0% annual percentage rate (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.
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 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
American Express Business Platinum Card®: Best for Premium Travel Perks
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Free Wi-Fi: 10 annual free Gogo inflight Wi-Fi passes.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 500,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
If you have frequent travel expenses and prefer luxury travel perks, the American Express Business Platinum Card® is a suitable choice. It offers premium rewards points on travel and hotel bookings and travel perks like access to airport lounges worldwide, making it our leading business card with airport lounge access. It also offers airline fee credit on qualifying incidental purchases. While you’ll need to pay your balance in full each month, you can opt to use the Pay Over Time feature, which allows you to carry a balance with interest.
Rewards:
- 5x points on flights and prepaid hotels booked through amextravel.com
- 1.5x points at United States construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers
- 1.5x points on single-transaction purchases of $5,000 or more on up to $2 million per calendar year
- 1x points on all other purchases and when the cap is met
- 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.
- Free access to more than 1,400 airport lounges worldwide: Enjoy complimentary access to more than 1,400 airport lounges worldwide. These include 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 with Lufthansa Group.
- $200 airline fee credit: Receive up to $200 in statement credits per calendar year as a refund for incidental fees, such as checked bags and in-flight refreshments.
- Up to 1 million 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.
- Over $1,000 in statement credits: Receive exclusive statement credits when you enroll your recurring expenses, including Dell, Indeed, and Adobe subscriptions.
- No preset spending limit: Enjoy a flexible spending limit that adjusts based on your spending habits, payment, and credit history.
- No foreign transaction fee: Pay no foreign transaction fees on purchases made outside of the country.
- Expense management: Manage your account and expenses using streamlined tools like access to mobile and online banking, Vendor Pay by BILL, QuickBooks® integration, and more
Important Considerations:
- It doesn’t allow cash advances and balance transfers.
- It doesn’t offer an introductory zero annual fee period and a 0% APR period—and it has a high annual fee of $695.
- It requires you to pay your balance in full each month—unless you choose to use the Pay Over Time feature. Note that not all transactions are eligible for Pay Over Time.
Consider the American Express® Business Gold Card if you want a lower annual fee and prefer to earn travel rewards but don’t need travel perks like access to airport lounges.
American Express® Business Gold Card: Best for Earning Premium Rewards on Your Top Two Expense Categories
American Express® Business Gold Card
BEST FOR:
Maximizing rewards in the two categories where you spend the most
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Now choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee 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 changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Now choose from Gold or Rose Gold.
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee 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 changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
The American Express® Business Gold Card is best for business owners who have substantial expenses on various categories each month. It is one of our best business credit cards for consultants because of its rewards flexibility, generous sign-up bonus, and other travel perks.
Rewards:
- 4x points on the first $150,000 in combined purchases from the top two spending categories in which your business spends the most each month. These categories include:
- Flights
- Advertising
- Gas
- Dining
- Technology
- Shipping
- 1x points per dollar on other eligible purchases
- Sign-up bonus: Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months of card membership.
- Pay Over Time feature: 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.
- Up to 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.
- The Hotel Collection credit: Receive $100 experience credit when you book The Hotel Collection using your card, which you spend on qualifying dining, spa, and resort activities.
- No foreign transaction fee: Make purchases with your card outside of the U.S. and enjoy zero foreign transaction fees.
- Expense management tools: Take advantage of expense management tools, including access to mobile and online banking, a year-end summary of your expenses, Vendor Pay by BILL, and QuickBooks® integration.
- Travel perks: Take advantage of travel perks like baggage insurance and trip delay insurance. Also, book a flight using Pay with Points and get 25% points back.
- Flexible credit limits: Benefit from no preset spending limit, which means your credit limit adjusts based on your purchase, payment, and credit history.
Important Considerations:
- It doesn’t offer an introductory 0% APR.
- It doesn’t allow balance transfers and cash advances.
- It charges a high annual fee of $295 ($375 if application is received on or after 2/1/24) and doesn’t have a zero annual fee introductory offer.
These are things that you need to consider, especially if you plan to make a large purchase, transfer a balance from another card, make a cash advance, or want to save on overall credit costs. Also, if you spend more than $150,000 in airfare and hotel bookings and need premium travel perks like access to various airport lounges, you may benefit more from the American Express Business Platinum Card®.
American Express Blue Business Cash™ Card: Best Cash Back Card With Interest-free Financing & Flexibility to Exceed Your Credit Limit
The American Express Blue Business Cash™ Card
BEST FOR:
Those who want better cash back rewards
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- $0 annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
The American Express Blue Business CashTM Card is a good fit if you prefer to earn cash back and enjoy a 0% APR on purchases for the first 12 months. It offers fixed-rate rewards for all eligible purchases, regardless of categories, which is great if you don’t want to monitor spending categories. You can redeem your rewards as an automatic statement credit. It is one of our top-recommended 0% APR business credit cards because of its simple rewards program.
Rewards:
- 2% cash back on all eligible purchases of up to $50,000 per calendar year
- 1% cash back is earned when the cap is met
- Expanded Buying Power: Spend over your credit limit with its expanded buying power feature. Your credit limit adjusts with your card use, payment history, credit record, financial resources, and other factors.
- $0 annual fee: Reduce your credit cost by not having to pay annual fees.
- Expense management: Access all available expense management tools, including mobile and online banking, Vendor Pay by Bill.com, year-end expense summary, and QuickBooks® integration.
Important Considerations:
- It doesn’t offer zero foreign transaction fees, and you’ll be charged a 2.7% fee for every transaction made outside the US.
- It doesn’t allow cash advances.
- It lacks interest-free financing for balance transfers, as the 0% introductory APR only applies to purchases.
If you want to use your rewards to pay for purchases or redeem rewards as gift cards, you may find the American Express Blue Business® Plus Credit Card more valuable.
American Express Blue Business® Plus Credit Card: Best Points-based Card With Interest-free Financing & Flexibility to Exceed Your Credit Limit
The Blue Business® Plus Credit Card from American Express
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Pros
- $0 annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
The American Express Blue Business® Plus Credit Card is best for business owners who prefer a points-based rewards credit card that offers interest-free financing. You can earn fixed-rate rewards on purchases, regardless of spending categories. 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 various merchants. Plus, it offers a 0% APR period on purchases. It is one of our top choices for the best small business credit cards and is our top business credit card for real estate agents because of its straightforward rewards structure with a flexible credit limit.
Rewards:
- 2x points on the first $50,000 in purchases each year
- 1x point on all purchases thereafter
- Expanded buying power: Spend over your credit limit based on your card usage, payment history, credit record, and other factors.
- $0 annual fee: Pay no annual fees while earning unlimited rewards.
- Welcome offer: Receive 15,000 Membership Rewards® points after you spend $3,000 in purchases within the first three months of opening an account.
- Expense management: Simplify your expense management by using tools like mobile and online banking, QuickBooks® integration, Vendor Pay by Bill.com, year-end expense summary, and account alerts.
Important Considerations:
- It doesn’t allow cash advances.
- It doesn’t offer zero foreign transaction fees and charges you a 2.7% fee for purchases made outside of the US.
- The 0% introductory APR doesn’t apply to balance transfers.
If you prefer to earn cash back rewards as an automatic statement credit, consider the American Express Blue Business CashTM Card.
The Plum Card® From American Express: Best Charge Card for Payment Flexibility
The Plum Card® from American Express
BEST FOR:
Accessing early pay discounts or 60 days of no interest
- Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
- Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.‡
- Terms & Restrictions Apply.
Pros
- No preset spending limit
- Doesn‘t charge foreign transaction fees
- Offers early pay discount
Cons
- Balance is due either monthly or every 60 days
- No 0% introductory APR on purchases and balance transfers
- Cash advance & balance transfers aren’t allowed
- Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
- Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
- Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.
- Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
- Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- No Foreign Transaction Fees.‡
- Terms & Restrictions Apply.
Pros
- No preset spending limit
- Doesn‘t charge foreign transaction fees
- Offers early pay discount
Cons
- Balance is due either monthly or every 60 days
- No 0% introductory APR on purchases and balance transfers
- Cash advance & balance transfers aren’t allowed
- Car rental loss and damage insurance: You can be covered for damage to or theft of a rented vehicle in a covered territory when using this card to pay for the entire rental. You have to decline the collision damage waiver offered by the rental company.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year.
- Purchase protection: Protect eligible purchases for up to 90 days from the covered purchase date if they are stolen or accidentally damaged. The coverage is limited to up to $1,000 per occurrence, and up to $50,000 per card member, per calendar year.
- Global Assist® hotline: Available for 24/7 emergency assistance and coordination service―including medical and legal referrals, emergency cash wires, and missing luggage assistance.
Since the Plum Card® From American Express is a charge card, it does not 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. You can choose to either pay your balance in full or carry a balance for up to 60 days without interest. However, this 60-day interest-free option does not offer rewards.
Rewards:
- Unlimited 1.5% cash back (as an early pay discount) when you pay your balance 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 do not pay for two consecutive billing periods, the fee is either $39 or 2.99% of the past due amount, whichever is greater.
- No preset spending limit: Take advantage of a flexible credit limit that adjusts with your card usage, payment history, credit, and other factors.
- No foreign transaction fee: No need to pay a foreign transaction fee if you use your card to make purchases outside the US.
- Expense management: Manage your expenses by using tools like QuickBooks integration, Vendor Pay by BILL, mobile and online banking, year-end expense summary, account alerts, and more.
Important Considerations:
- It doesn’t have a welcome offer and an introductory 0% APR.
- It doesn’t allow balance transfers or cash advances.
- It also comes with a high annual fee of $250 without a zero annual fee period.
- You 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.
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.
American Express Business Green Rewards Card: Best Charge Card With Travel Rewards & No Preset Spending Limit
Business Green Rewards Card from American Express
BEST FOR:
Employee expense management solutions
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $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.
- 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.
The American Express Business Green Rewards Card is a charge card that’s best for business owners wanting to receive travel rewards and enjoy flexible spending limits. Your credit limit adjusts based on your purchase, payment, and credit history. You can take advantage of several travel perks and protections like baggage insurance and car rental loss and damage insurance. It also offers unlimited rewards, which you can redeem toward travel expenses.
Rewards:
- 2x points per dollar on flights and prepaid hotel expenses
- 1x points on all other purchases
- Welcome Offer: Earn 15,000 Membership Rewards® points when you spend at least $3,000 within the first three months of card ownership.
- Pay Over Time feature: Carry a balance on eligible purchases with interest.
- Low annual fee: The annual fee is only $95, which is waived for the first year.
- Expense management: Enjoy access to QuickBooks®, Vendor Pay by BILL, year-end expense summary, mobile and online banking, and more.
Important Considerations:
- It 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.
- It doesn’t allow balance transfers or cash advance transactions.
- It charges a 2.7% foreign transaction fee for purchases made outside of the US
Consider other American Express credit cards (except for The Plum Card® From American Express, which is also a charge card) if you want to use a regular business credit card and not a charge card.
Amazon Business Prime American Express Card: Best for Amazon Prime Members
Amazon Business Prime American Express Card
BEST FOR:
5% back or 90-day repayment terms
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- 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.
- 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.
The Amazon Business Prime American Express Card is designed for business owners who have an existing Amazon Prime membership. It offers 90-day free financing or 5% cash back on the first $120,000 in purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, as well as exclusive perks. You will also earn ongoing rewards on other expenses. As one of our top sole proprietorship business cards, it is also a good option for sole proprietors.
Other Rewards:
- 2% cash back on dining, gas, and wireless phone services purchased directly from service providers
- 1% cash back on all other purchases and when the cap is met
- Welcome offer: Receive a $125 Amazon Gift Card upon approval without any spending requirements.
- $0 annual fee: Aside from your Prime membership fee, you won’t be charged an annual fee for the credit card.
- No foreign transaction fees: 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 by item in an easily downloadable file from your online statement, allowing you to reconcile your expenses easily.
- Amazon shop with points: Use your rewards upon checkout on US Amazon and Amazon Business or apply them toward a purchase on your statement. Plus, rewards don’t expire.
- Expense management: Take advantage of expense management tools like online statements, Vendor Pay by BILL, QuickBooks integration, and year-end summary of expenses.
Important Considerations:
- It doesn’t offer a 0% introductory APR unless you choose the 90-day interest-free term.
- The 90-day interest-free term is short compared to most credit cards that offer an introductory 0% APR period.
- It doesn’t allow balance transfers, so it may not be a good option if you plan to transfer a balance from another card.
- It is only available to Amazon Prime members, so 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 card for you. Both the Amazon Business Prime and Amazon Business American Express cards are part of our roundup of the best Amazon business credit cards.
Amazon Business American Express Card: Best for Non-Prime Amazon Shoppers
Amazon Business American Express Card
BEST FOR:
3% back or 60-day repayment terms
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a reward upon approval, without the need to meet any spending requirement.
- $0 annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
If you frequently shop at Amazon but don’t have an existing Prime membership, the Amazon Business American Express Card is a good option. You can benefit from either 60-day interest-free financing terms or 3% cash back on the first $120,000 in purchases at Amazon, Whole Foods Market, Amazon Business, and AWS. Plus, you’ll earn rewards for other expenses. It is also part of our list of the leading business credit cards with no annual fees.
Other Rewards:
- 2% cash back on dining, gas, and wireless phone services purchased directly from service providers
- 1% cash back on all other purchases and when the cap is met
- Welcome offer: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card without any spending requirements.
- $0 annual fee: Minimize your credit cost while earning rewards by not having to pay annual fees.
- No foreign transaction fees: Use your card to make purchases outside of the US without having to pay foreign transaction fees.
- Amazon Business enhanced data views: 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.
- Expense management: Easily manage your expenses using tools such as QuickBooks integration, Vendor Pay by BILL, online statements, and year-end summary of expenses.
- No need to pay for Prime membership: Enjoy earning premium rewards on your Amazon purchases or take advantage of a zero-interest 60-day term, without having to pay for Prime membership.
Important Considerations:
- It doesn’t allow balance transfers.
- It doesn’t offer a 0% introductory APR unless you opt for the 60-day term.
- This 0% term is shorter than most business credit cards’ introductory offers and only applies to purchases made in the US Amazon Business, Amazon Web Services (AWS), Amazon.com, and Whole Foods Market.
If you are an existing Prime member, 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.
Delta SkyMiles® Platinum Business American Express Card: Best for Discounted Delta Sky Club® Rate
Delta SkyMiles® Platinum Business American Express Card
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
- Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 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 Calendar 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 hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
- 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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- 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.
- Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- Delta SkyMiles® Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 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 Calendar 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 hotels instead of 1.5X).
- Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
- 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. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
- 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.
The Delta SkyMiles® Platinum Business American Express Card is best for business owners who fly with Delta Airlines frequently and want to access the Delta Sky Club® at a discounted rate. You and up to two traveling companions can enjoy an exclusive Delta Sky Club® per-visit rate of $50 per person when traveling Delta. Plus, you can earn lucrative rewards that can be redeemed by booking travel with Delta and Delta Connection carrier-operated flights and flights booked through the Delta rewards portal. It is one of our top-recommended business credit cards for miles because of its generous rewards program.
Rewards:
- 3x miles on every dollar spent on eligible purchases made directly with Delta and hotels
- 1.5x miles on large purchases of $5,000 or more per transaction, up to 50,000 additional miles per year
- 1x miles on all other purchases
- Welcome Offer: Earn 60,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 3 months of Card Membership.
- No foreign transaction fees: 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.
- Travel perks: Take advantage of other perks when you travel with Delta, like priority boarding, free checked-in baggage, and fee Credit for Global Entry or TSA PreCheck®.
- Save 15% on award travel: Redeem your miles for Delta flights and enjoy a 15% miles discount automatically.
- Business management tools: Use the expense management tools such as QuickBooks integration, American Express® Business App, and Vendor Pay by BILL.
Important Considerations:
- It doesn’t offer a 0% introductory APR and zero annual fee period—you’ll be charged an annual fee of $250 right away.
- It doesn’t allow balance transfer transactions.
- It has no 0% APR period on purchases.
If you spend more than $50,000 per year, you will benefit more from the Delta SkyMiles® Reserve American Express Business Card.
Delta SkyMiles® Gold Business Card: Best Delta Frequent Flyer Card With Low Annual Fee
Delta SkyMiles® Gold Business American Express Card
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Check and 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 at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- 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
- 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.
- Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Check and 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 at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
- Earn 1 Mile on every eligible dollar spent on other purchases.
- 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
The Delta SkyMiles® Gold Business American Express Card is a great option if you want a Delta frequent-flyer credit card with 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—and it’s waived for the first year. It is also recommended for business owners who frequently spend on advertising, shipping, and dining.
Rewards:
- 2x miles on purchases made directly with Delta and on the expense categories mentioned earlier
- 1x miles on all other purchases
- Welcome Offer: Earn 50,000 Bonus Miles after you spend $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- No foreign transaction fees: Use your card to make purchases outside of the US without having to pay foreign transaction fees.
- Earn a $100 Delta flight credit: Spend a total of $10,000 in purchases in a calendar year to earn a $100 Delta flight credit for 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.
- Travel perks: Take advantage of other travel perks, including 15% off when booking travels using miles, Main Cabin 1 priority boarding, and baggage insurance plan.
- Expense management: Use tools like Connect to QuickBooks®, online statements, Vendor Pay by BILL, and mobile banking to manage your expenses efficiently.
Important Considerations:
- It doesn’t allow balance transfers.
- It doesn’t provide free or discounted access to the Delta Sky Club.
- It doesn’t offer 0% introductory financing, which is something you should consider if you plan to use your card to make a large purchase.
If you plan to use your card primarily for Delta flights and hotel bookings, you may benefit more from the Delta SkyMiles® Platinum American Express Business Card.
Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Perks
Delta SkyMiles® Reserve Business American Express Card
BEST FOR:
Delta SkyMiles® Reserve Business American Express Card
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
- Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- 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. *Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
- 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).
- Enjoy 3x miles per dollar on Delta purchases.
- With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
- 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.
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
- Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
- 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. *Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
- 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).
- Enjoy 3x miles per dollar on Delta purchases.
- With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
- 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.
If you primarily fly with Delta Airlines and want to enjoy premium travel perks, like free check-in baggage and complimentary access to airport lounges, the Delta SkyMiles® Reserve Business American Express Card is your best bet. You can also enjoy complimentary access to Delta Sky Club and a reduced rate of $50 per person for up to two guests. It is one of our top choices for the best credit cards with airport lounge access and leading business credit cards for earning miles.
Rewards:
- 3x miles on Delta purchases
- 1.5x miles per dollar on eligible purchases for the rest of the year after you spend $150,000.
- 1x miles on all other purchases
- Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
- Premium travel perks: Take advantage of 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, 15% off on award travel, fee credit for Global Entry or TSA PreCheck®, and more.
- No foreign transaction fees: Use your card to make purchases outside the US without having to pay foreign transaction fees.
- Expense management: Take advantage of tools like access to online statements, Vendor Pay by BILL, QuickBooks® integration, and mobile banking to manage your expenses.
Important Considerations:
- It doesn’t offer an introductory zero annual fee period and comes with a high annual fee of $550.
- It lacks introductory interest-free financing
- Balance transfer transactions are unavailable.
If you don’t spend as much as $150,000 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 instead.
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
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free 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
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free 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
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
The Hilton Honors American Express Business Card is best for business owners who primarily stay at Hilton hotels and resorts as it offers premium rewards on these expense categories. You can use your Hilton Honors Bonus Points to pay for hotel stays, unique travel experiences, Amazon shopping, or purchases from airline partners. Plus, you can benefit from the card’s premium perks, like 10 complimentary visits to over 1,200 Priority Pass airport lounges and no foreign transaction fees, making it an ideal option if you travel frequently. It is one of our recommendations for the top credit cards with no foreign transaction fees and best business credit cards for travel.
Rewards:
- 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
- Welcome offer: Earn 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the card in the first three months of card membership.
- 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: Pay a low annual fee of $95, which is lower than most business credit cards.
- Upgrade to Diamond Status: Spend $40,000 on eligible purchases and get upgraded to Hilton Honors Diamond status.
- Expense management: Use a variety of expense management tools such as Connect to QuickBooks, access to a mobile app, Vendor Pay by Bill.com, and more.
Important Considerations:
- It doesn’t allow balance transfers.
- It lacks a 0% introductory APR.
- While it charges a low $95 annual fee, it doesn’t waive the fee for the first year.
If you don’t need to earn travel rewards, consider other American Express business credit cards.
Marriott Bonvoy Business® American Express® Card: Best for Loyal Marriott Customers
Marriott Bonvoy Business® American Express® Card
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
- Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. 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 through Marriott. Terms and Conditions Apply.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
- Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. 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 through Marriott. Terms and Conditions Apply.
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business® American Express® Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on United States manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
If you primarily stay at Marriott hotels and want to earn Marriott Bonvoy rewards, consider the Marriott Bonvoy Business American Express® Card. You can earn generous travel rewards that can be redeemed for free hotel stays, flights, car rentals, and hotel and air packages. Because of its lucrative rewards and perks, it is one of our top-recommended business credit cards for travel and the best business credit cards with no foreign transaction fees.
Rewards:
- 6x points at participating hotels under the Marriott Bonvoy® program
- 4x points on dining, gas, shipping, and wireless phone services purchased directly from service providers
- 2x points on all other purchases
- Welcome Offer: Earn three Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- 7% Marriott Bonvoy® Room Rate Discount: Receive a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy program participating hotels.
- More than 7,000 participating Marriott Bonvoy hotels: Redeem your rewards for free hotel stays at more than 7,000 participating Marriott Bonvoy hotels.
- Complimentary Marriott Bonvoy Gold Elite status: Receive complimentary Marriott Bonvoy Gold Elite status, which offers priority late checkout when available and 25% bonus points on stays.
- No foreign transaction fees: Pay no foreign transaction fees on the purchases you make outside of the US.
- Premium Internet access: Receive premium Internet access while staying at hotels participating in the Marriott Bonvoy program.
- Expense management: Expense management tools are available, including QuickBooks integration, year-end account summary, online statements, access to a mobile app, and Vendor Pay by Bill.com.
Important Considerations:
- It doesn’t offer a zero annual fee period—you’ll be charged an annual fee of $125 right away.
- It also doesn’t have an interest-free financing period, which is a drawback if you plan to make a large purchase.
- Balance transfers aren’t allowed.
If you don’t need a travel rewards credit card, consider other American Express credit card options.
Lowe’s Business Rewards Card From American Express: Best for Real Estate Investors & Frequent Lowe’s Shoppers
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- Plus, get $100 back in the form of a statement credit upon approval.
- 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply.
Pros
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
Cons
- No 0% introductory APR period
- Balance transfers aren't allowed
- Low cash back rewards at Lowe's after introductory period
- Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
- Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
- Plus, get $100 back in the form of a statement credit upon approval.
- 2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
- APR on purchases will be a variable rate, 20.99% - 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.
- Terms Apply.
Pros
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
Cons
- No 0% introductory APR period
- Balance transfers aren't allowed
- Low cash back rewards at Lowe's after introductory period
- Lowe's ProServices: Access benefits with Lowe's ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
The Lowe’s Business Rewards Card from American Express is best suited 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. Because of this, it is a practical option for those who shop for home improvement products frequently.
Rewards:
- 5% discount on eligible Lowe’s purchases
- 5% cash back on purchases at Lowe’s for the first six months after card ownership, then 2% cash back after
- 2% cash back on dining, office supplies, and wireless telephone services
- 1% cash back on all other purchases
- Welcome offer: Get $100 back upon approval, which is earned automatically as a statement credit.
- Access to Lowe’s ProServices: Access various benefits with Lowe’s ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- $0 annual fee: Reduce credit costs by paying no annual fees while taking advantage of all of the benefits that come with owning a Lowe’s Business Rewards Card.
- Expense management: Manage your expenses efficiently with a variety of expense management tools, including QuickBooks integration, online and mobile banking, Vendor Pay by Bill.com, account alerts, and more.
Important Considerations:
- It doesn’t offer a 0% introductory APR.
- It doesn’t allow balance transfer transactions.
- It charges a foreign transaction fee, which makes it not a good option if you plan to use the card when traveling abroad.
If you don’t make frequent purchases at Lowe’s, it’s best to consider other business credit cards from American Express that are more suitable for your needs.
Frequently Asked Questions (FAQs)
As long as you meet the requirements, it’s easy to get approved for an American Express business credit card. You need to have a good to excellent personal credit score to qualify for American Express credit cards. Based on American Express’s website, the online application process only takes a few minutes, and you can get a decision in a few seconds.
You can process your application online or by phone by calling 1-877-673-6758. You will need to provide the following information:
- Business’s legal name, address, phone number, and email address
- Federal tax identification number (TIN), or Social Security number
- Type of industry your business is engaged in
- Company structure
- Number of years your company has been in business
- Number of employees
- Annual business revenue
- The name you would like to appear on the card
American Express business credit cards provide several benefits that may be valuable to your business. You can earn rewards on your everyday purchases and take advantage of expense management tools. Furthermore, you can benefit from other perks, which vary depending on the type of American Express business credit card you choose.
Bottom Line
American Express offers business credit cards across several categories, which include cash back, travel, no-interest, and co-branded cards for hotels, airlines, and stores. Each card comes with various introductory and ongoing rewards, annual fees, APRs, and other benefits. The best American Express business card for you depends on what type of rewards you want, whether you need flexible credit limits or prefer to carry a balance, or if you want a co-branded business credit card. For other options, see our guide to the best small business credit cards.