Best American Express Business Credit Cards
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
American Express 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 you depends on your spending habits, rewards preference, and ability to pay your balance in full each month.
To see how these cards stack up against others we reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
American Express® Business Gold Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards in the two categories where you spend the most
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee of $295
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
$295
Credit Needed
Good, Excellent
- Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest.*
- *Terms Apply
Pros
- Earn 4x points in two categories every month
- Pay eligible charges over time with interest, or pay your balance in full monthly
Cons
- You’ll pay a high annual fee of $295
- No interest-free financing opportunities
- Premium roadside assistance: Free of charge up to four times a year. You can receive towing up to 10 miles, winching, jump starts, flat tire change, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
- Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
- Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
- Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
- Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.
The Business Platinum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or 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.
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
$695
Credit Needed
Good, Excellent
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account.
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,300 airport lounges worldwide
- No foreign transaction fees
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,300 lounges worldwide for you and two guests.
- Airport screening: Either a $100 statement credit for Global Entry every four years or 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.
American Express Blue Business Cash™ Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who want better cash back rewards
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- Terms Apply
Pros
- 0% intro APR
- Welcome bonus
- Fixed rate rewards
- No annual fee
Cons
- Cash advance isn’t allowed
- Charges foreign transaction fees
- 2% cash back is capped at $50,000 in annual spending
- Expanded buying power: Enjoy flexible buying power when your business needs it. Expanded buying power gives you the freedom to spend beyond your credit limit and help get business done. While the amount you can spend above your credit limit isn't unlimited, it adjusts with your use of the card, your payment history, credit record, financial resources known to us, and other factors.
- Car rental loss and damage insurance: As a Card Member, You can be covered for damage to or theft of a rental vehicle in a covered territory when you use your eligible card to reserve and pay for the entire rental and decline the collision damage waiver at the rental company counter.
The Blue Business® Plus Credit Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Pocketing 2x points per $1 and 0% introductory APR for 12 months
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- Expanded buying power: The card lets you spend beyond your credit limit through this feature. The amount you can spend above your credit limit adjusts with your card usage, payment history, credit record, financial resources, and other factors.
- Purchase protection: Items purchased using this card are covered in case they’re damaged or stolen within 90 days of the date of purchase. American Express will reimburse you for the amount charged to your eligible card, up to $1,000 per claim and $50,000 per cardmember, per year.
- Extended warranty protection: American Express provides cardholders with an extended warranty for one additional year, which applies to items with original manufacturer warranties of five years or less.
Intro APR
0% on purchases
Regular APR
17.49% - 25.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- Terms Apply
Pros
- No annual fee
- 0% APR for 12 months on purchases and balance transfer
- Welcome offer bonus points
- Expanded buying power
- Fixed-rate rewards
Cons
- Cash advances aren’t allowed
- Charges foreign transaction fees
- 2x points rewards are capped at $50,000 in spending
- 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 Plum Card® from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Accessing early pay discounts or 60 days of no interest
Intro APR
N/A
Regular APR
N/A
Annual Fee
$250
Credit Needed
Good, Excellent
- Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- 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.
Intro APR
N/A
Regular APR
N/A
Annual Fee
$250
Credit Needed
Good, Excellent
- Paying early pays off: get a 1.5% Early Pay Discount on your statement on the amount paid within 10 days of your statement closing date and no cap on what you can earn back. Just pay the Minimum Due by the Payment Due Date.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- 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.
Business Green Rewards Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Employee expense management solutions
Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $0 introductory annual fee for the first year, then $95
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.
Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $95
Credit Needed
Good, Excellent
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first three months of Card Membership.
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- $0 introductory annual fee for the first year, then $95
- Terms & limitations apply
Pros
- Flexible spending limit
- Option to pay over time
- Bonus rewards
Cons
- No cash advances or balance transfers
- No zero foreign transaction fee
- No introductory 0% APR offer
- Purchase protection: Covers purchases that were either stolen or damaged within 120 days from the purchase date. Coverage is limited to $1,000 per occurrence and $50,000 per year.
- Extended warranty protection: Provides extended warranties on purchases with original manufacturer’s warranties of up to five years. The issuer offers up to two years of additional coverage.
- Travel accident insurance: You’ll have coverage of up to $100,000 for losses that happen within 100 days after the date of the accident which caused the injury.
Amazon Business Prime American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
5% back or 90-day repayment terms
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Eligible Prime Members get a $125 Amazon Gift Card upon approval for the Amazon Business Prime American Express Card.
- Take advantage of 5% Back or 90 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. You will earn 5% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- 5% back or 90-day terms
- No annual and foreign transaction fees
Cons
- No 0% introductory APR
- Only for Amazon Prime members
- Return protection: American Express will provide a refund for an item purchased within 90 days that cannot be returned to the merchant. Refunds are limited to $300 per item, up to $1,000 per cardmember, per calendar year.
- Baggage insurance: Get reimbursed for lost, damaged, or stolen luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage.
- Car rental insurance: Get coverage for theft or damage of a car rental, up to $50,000. Cardholders can waive the collision insurance offered by the auto rental agency.
Amazon Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
3% back or 60-day repayment terms
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Intro APR
N/A
Regular APR
18.49% - 26.49% Variable
Annual Fee
No annual fee
Credit Needed
Good, Excellent
- Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card.
- Take advantage of 3% Back or 60 Day Terms on U.S. purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. You will earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
- 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
- 1% Back on other purchases
- $0 Annual Fee
- Back your business with the broad selection of Amazon and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you.
- With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement.
- Terms apply.
Pros
- $100 Amazon gift card upon approval: You get a $100 Amazon gift card as a signup reward upon approval, without the need to meet any spending requirement.
- No annual fee: You can enjoy earning rewards or 60-day interest-free terms on your purchases at US Amazon-owned companies without having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
Cons
- Short 0% APR period: You can only enjoy interest-free financing on Amazon purchases for a 60-day term, which is shorter compared to most business credit cards’ introductory rates.
- 3% back only applies on the first $120,000: You can earn 3% back only on the first $120,000 in purchases each calendar year—after that, you will earn 1% back, which is meager compared to other points-based rewards business credit cards.
- Balance transfers aren’t allowed: This card doesn’t allow balance transfers, which is a disadvantage if you need to transfer a balance from another card.
- Return protection: If a merchant doesn’t accept a return of an item in original purchase condition within 90 days of purchase, American Express will refund cardholders up to $300 per item and up to a maximum of $1,000 per cardmember, per calendar year
- Baggage insurance: If your luggage is damaged, lost, or stolen when you pay for your trip with your card, American Express will pay up to $1,250 per covered person for carry-on baggage and up to $500 for checked baggage
- Extended warranty: American Express will match the length of the original manufacturer’s warranty if it’s less than two years; American Express provides an additional two years if the original manufacturer’s warranty is between two and five years; coverage is limited to $10,000 per occurrence and $50,000 per account each year
- Purchase protection: The issuer will repair, replace, or reimburse you for an item purchased with the card that was damaged or stolen within 120 days of purchase; coverage is limited to $1,000 per occurrence and $50,000 per account each year
Delta SkyMiles® Gold Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Delta Air Lines flyers and earning rewards outside of Delta purchases
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$0 introductory annual fee for the first year, then $99
Credit Needed
Good, Excellent
- Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
- Check or stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent at restaurants. Earn 1 Mile on every eligible dollar spent on other purchases.
- Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- Terms and limitations apply.
Pros
- Low annual fee
- No foreign transaction fees
- Earn a $100 Delta flight credit
Cons
- Balance transfers aren’t allowed
- No free or discounted Delta Sky Club access
- No 0% introductory APR
- Free checked bag: Check one bag for free for you and up to eight companions
- Savings on inflight purchases: Receive a 20% discount on inflight purchases you make with your American Express Gold Delta SkyMiles® Business Credit Card
- Baggage insurance: If your luggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on baggage and $500 for checked bags
- Car rental insurance: Coverage is primary, which means it replaces any coverage your personal insurance might offer when renting for business purposes; it provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the US and abroad
Delta SkyMiles® Platinum Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Frequent Delta flyers who want to access premium business Delta features
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $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 year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$250
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months.
- You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Take a friend or family member when you fly Delta. Payment of the government imposed taxes and fees of no more than $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 year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and Hotel Stays instead of 1.5X).
- Delta Sky Club® Access – enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight.
- With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- No foreign transaction fees
- In-flight savings
- Business management tools
Cons
- $250 annual fee
- No interest-free financing period
- Balance transfers aren’t allowed
- Delta benefits: Receive your first checked bag for free and access priority boarding.
- Travel accident insurance: Provides card owners with travel accident insurance up to $100,000.
- Purchase protection: Provides coverage for purchases that are damaged or stolen up to 120 days from the date of purchase. Coverage is limited to $1,000 for an item and up to $50,000 for all claims for one year.
Delta SkyMiles® Reserve Business American Express Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Unlocking the ultimate Delta travel experience
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Plus enjoy 3X miles per dollar on all eligible Delta purchases.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$550
Credit Needed
Good, Excellent
- Welcome Offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 3 months.
- With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
- When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge – The Centurion® Studio Partner.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
- Plus enjoy 3X miles per dollar on all eligible Delta purchases.
- With Status Boost®, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to 4x per year getting you closer to Medallion Status.
- Terms and limitations apply.
Pros
- Premium travel perks
- No foreign transaction fees
- Lucrative welcome bonus
Cons
- High annual fee
- No opportunity for introductory financing
- Balance transfers aren’t available
- Annual miles boost: Earn 15,000 MQMs and 15,000 bonus miles after spending $30,000 each year.
- Companion certificate: Receive a companion certificate valid for one round-trip First Class, Delta Comfort+®, or Main Cabin Companion ticket each year upon renewal of your card.
- Free checked baggage: Receive free checked baggage for you and eight guests.
- Priority boarding: You can board your flight when Main Cabin 1 priority boarding is called.
- In-flight savings: Enjoy 20% savings in the form of a statement credit on select in-flight purchases.
- Baggage insurance: Covers up to $1,250 for carry-on baggage and $500 for checked baggage.
The Hilton Honors American Express Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at 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.
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at 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.
Marriott Bonvoy Business® American Express® Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 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 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 US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Intro APR
N/A
Regular APR
19.99% - 28.99% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 6x points at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 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 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 US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Lowe’s Business Rewards Card from American Express
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Accessing discounts and rewards at Lowe’s
Intro APR
0%
Regular APR
18.74% - 27.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 5% off at Lowe's
- Lowe's ProServices for discounted delivery and more
- Earn 5,000 Lowe's Business Rewards Points; after you spend $100 in purchases on the Card within your first 30 days of Card Membership.
- $0 annual fee
- 0.0% introductory APR on purchases for six months. After that, your APR will be a variable rate, currently 17.24% to 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- Use this Card to receive points you can redeem for gift cards and more to use toward business expenses.
- 3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
- 2X Points at Lowe's
- 1X Points on other purchases
Pros
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
Cons
- No 0% introductory APR period
- Balance transfers 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 p[program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
Intro APR
0%
Regular APR
18.74% - 27.74% Variable
Annual Fee
$0
Credit Needed
Good - Excellent
- 5% off at Lowe's
- Lowe's ProServices for discounted delivery and more
- Earn 5,000 Lowe's Business Rewards Points; after you spend $100 in purchases on the Card within your first 30 days of Card Membership.
- $0 annual fee
- 0.0% introductory APR on purchases for six months. After that, your APR will be a variable rate, currently 17.24% to 26.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- Use this Card to receive points you can redeem for gift cards and more to use toward business expenses.
- 3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
- 2X Points at Lowe's
- 1X Points on other purchases
Pros
- No annual fee
- 5% off at Lowe’s
- $100 statement credit signup bonus
Cons
- No 0% introductory APR period
- Balance transfers 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 p[program.
- Purchase protection: The issuer covers purchases that are stolen or damaged within 120 days from the date of purchase (90 days for New York residents).
- Extended warranty protection: Receive up to two years of additional coverage for items with an original manufacturer’s warranty of up to five years.
How To Choose the Right American Express Credit Card
It’s important to identify unique business needs when choosing the best American Express business card for you. 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.
If you want points-based rewards, which you can use to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers or redeem as gift cards from a variety of merchants, consider the American Express Blue Business® Plus Credit Card.
If you prefer to earn travel rewards, you can narrow your options down to the following:
- 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
Here are your options if you want to earn cash back:
- American Express Blue Business Cash™ Card
- The Plum Card® From American Express
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Lowe’s Business Rewards Card from American Express
2. Annual Fees
American Express credit cards come with different annual fees. Some offer low to no annual fees, whereas others charge high annual fees with no introductory zero annual fee period.
If you want a card with no annual fee, consider the following:
- American Express Blue Business Cash Card
- American Express Blue Business® Plus Credit Card
- Amazon Business Prime American Express Card
- Amazon Business American Express Card
- Lowe’s Business Rewards Card from American Express
Meanwhile, these have low annual fees:
- American Express Business Green Rewards Card
- Hilton Honors American Express Business Card
- Marriott Bonvoy Business American Express® Card
3. Balance Transfers
Most American Express business credit cards don’t offer balance transfer services. If you prefer a card that allows you to transfer a balance from another, you can choose from these two:
4. Cash Advance Services
Some American Express business credit cards don’t 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 don’t offer an introductory 0% APR. If you plan to finance a large purchase and take advantage of 0% interest for a certain period, you can choose between the American Express Business Platinum Card® and American Express Blue Business® Plus Credit Card, both of which 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’re allowed to spend over your limit. The amount you can spend adjusts with your card usage, payment habits, credit history, and other factors.
If you need flexible credit limits, consider the following:
American Express® Business Gold Card: Best for Earning Travel Rewards
Who Is the American Express® Business Gold Card Best For?
The American Express® Business Gold Card is best for business owners who travel frequently and need flexible credit limits. It has no preset spending limit, which means your credit limit adjusts based on your purchase, payment, and credit history. It offers travel perks like baggage insurance, trip delay insurance, and booking a flight using Pay with Points and getting 25% points back, making it a great option if you travel frequently.
Earn premium rewards on your top two expense categories:
You can earn 4x points on the first $150,000 in combined purchases from the top two spending categories where your business spends the most each month. If you spend more than $150,000 in airfare and hotel bookings, you may benefit more from the American Express Business Platinum Card®.
Why We Like the American Express® Business Gold Card
- Sign-up bonus: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first three months of card membership.
- Pay Over Time feature: Carry a balance for eligible transactions and pay it over time with interest as long as it doesn’t exceed your Pay Over Time limit.
- No preset spending limit: Enjoy a flexible spending limit that adapts based on factors like your spending habits, payment behavior, and credit history.
- 4x points on top two categories each month: Earn 4x points on the first $150,000 in combined purchases from the top two categories where your business spends the most each month.
- Get a maximum of 250,000 points back per year: Redeem your rewards to book your flight with American Express Travel and get 25% of your points back, up to 250,000 points per calendar year.
- No foreign transaction fee: Make purchases with your card outside of the United States and enjoy zero foreign transaction fees.
The American Express® Business Gold Card is one of our best limited liability company (LLC) credit cards because of its rewards flexibility, generous sign-up bonus, and other travel perks.
What’s Missing From the American Express® Business Gold Card
The American Express® Business Gold Card doesn’t offer an introductory 0% annual percentage rate (APR). It also doesn’t allow balance transfers and cash advances. This is something that you need to consider, especially if you plan to make a large purchase, transfer a balance from another card, or make a cash advance. Moreover, it charges a high annual fee of $295 and doesn’t have a zero annual fee introductory offer.
American Express Business Platinum Card®: Best for Premium Travel Perks
Who Is the American Express® Business Platinum Card® Best For?
The American Express Business Platinum Card® is best for business owners who have frequent travel expenses. It offers premium rewards points on travel and hotel bookings as well as travel perks like airport lounge access and airline fee credit on qualifying incidental purchases. While it requires you to pay your balance in full each month, you have the option to use the Pay Over Time feature, which allows you to carry a balance with interest.
Earn premium rewards on hotel and airfare expenses:
You’ll earn 5x points on flights and prepaid hotels booked through amextravel.com, making it a great choice if you have significant travel expenses. However, it charges a high annual fee of $695, which is something that you should consider to ensure that the rewards pay off the cost. Consider the American Express® Business Gold Card if you want a lower annual fee and prefer to earn travel rewards but don’t need travel perks like access to airport lounges.
Why We Like the American Express® Business Platinum Card®
- Sign-up bonus: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases within the first three months of opening an account.
- 0% introductory APR: Enjoy a 0% APR on purchases that are eligible for Pay Over Time for 12 months after opening an account.
- 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.
- Premium rewards: Earn 5x membership rewards points on flights and prepaid hotels on amextravel.com, and 1x to 1.5x points on other spending categories.
- Free access to more than 1,400 airport lounges worldwide: Enjoy complimentary access to over 1,400 airport lounges worldwide, including The Centurion Network of Lounges and Studios, Airspace, Priority Pass Select, Escape Lounges-The Centurion® Studio Partner, Plaza Premium, Delta Sky Club when flying Delta Air Lines, 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.
- Get 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 million points back per calendar year.
- 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.
The American Express Business Platinum Card® is our overall best credit card with airport lounge access because it offers free or discounted access to a wide selection of lounges worldwide.
What’s Missing From the American Express® Business Platinum Card®
The American Express® Business Platinum Card® doesn’t allow cash advances and balance transfers. It also doesn’t offer an introductory zero annual fee period and has a high annual fee. While it has premium travel rewards and perks, it requires you to pay your balance in full each month, unless you opt to use the Pay Over Time feature. However, not all transactions are eligible for Pay Over Time.
American Express Blue Business Cash™ Card: Best Cash Back Card With Interest-free Financing
Who Is the American Express Blue Business Cash™ Card Best For?
The American Express Blue Business CashTM Card is best for business owners who 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 an excellent option if you don’t want to monitor spending categories. It’s also a great choice if you need to spend over your credit limit, as it features expanded buying power. Your credit limit adjusts with your use of the card, payment history, credit record, financial resources, and other factors.
Earn automatic fixed-rate cash back on all purchases:
Earn 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back earned is credited to your statement automatically. If you want to use your rewards to pay for purchases or redeem rewards as gift cards, you may find the American Express Blue Business® Plus Credit Card more valuable. Both the American Express Blue Business CashTM Card and Blue Business® Plus Credit Card offer the lowest APR among all American Express business credit cards.
Why We Like the American Express Blue Business CashTM Card
- No annual fee: Reduce your credit cost by not having to pay annual fees.
- 0% introductory APR: Take advantage of 0% introductory APR on purchases for 12 months from the date of account opening.
- Fixed-rate rewards: Enjoy fixed-rate rewards regardless of spending categories.
- Expanded buying power: Spend beyond your credit limit—the amount you can spend adjusts with your card usage, payment history, credit record, and other factors.
- Sign-up bonus: Earn a $250 statement credit after you spend $3,000 in purchases within the first three months of opening an account.
The American Express Blue Business CashTM is one of our top-recommended 0% APR business credit cards because of its simple rewards program.
What’s Missing From the American Express Blue Business CashTM Card
The American Express Blue Business CashTM Card doesn’t offer zero foreign transaction fees, and you’ll be charged a 2.7% fee for every transaction made outside of the US. Besides that, it doesn’t allow cash advances and lacks interest-free financing for balance transfers, as the 0% introductory APR only applies to purchases.
American Express Blue Business® Plus Credit Card: Best Points-based Card With Interest-free Financing
Who Is the American Express Blue Business® Plus Credit Card Best For?
The American Express Blue Business® Plus Credit Card is best for business owners who prefer a points-based rewards credit card that offers interest-free financing. You can earn fixed-rate rewards on purchases, regardless of spending categories. Just like the American Express Blue Business CashTM Card, it offers a 0% APR period on purchases and has the lowest starting APR among all other American Express business cards. It also allows you to spend over your credit limit through its Expanded Buying Power feature.
Earn points rewards with various redemption options:
You can earn 2x points on the first $50,000 in purchases each year and 1x points on all purchases thereafter. You can use your points to pay for purchases made with American Express Travel, Amazon.com, Ticketmaster, Best Buy, and other retailers, or redeem them as gift cards from a variety of merchants. If you prefer to earn cash back rewards as an automatic statement credit, consider the American Express Blue Business CashTM Card.
Why We Like the American Express Blue Business® Plus Credit Card
- No annual fee: Pay no annual fees while earning unlimited rewards.
- 0% introductory APR: Enjoy a 0% introductory APR on purchases for 12 months after opening an account.
- Fixed-rate rewards: Receive fixed-rate rewards regardless of spending categories.
- Expanded buying power: Spend over your credit limit based on your card usage, payment history, credit record, and other factors.
- Sign-up bonus: Receive 15,000 Membership Rewards® points after you spend $3,000 in purchases within the first three months of opening an account.
The American Express Blue Business® Plus Credit Card is one of our top choices for the best small business credit cards because of its straightforward rewards structure with a flexible credit limit.
What’s Missing From the American Express Blue Business® Plus Credit Card
The American Express Blue Business® Plus Credit Card doesn’t allow cash advances. It also doesn’t offer zero foreign transaction fees and charges you a 2.7% fee for purchases made outside of the US. Also, it’s worth noting that the 0% introductory APR doesn’t apply to balance transfers.
The Plum Card® From American Express: Best Charge Card for Payment Flexibility
Who Is the Plum Card® From American Express Best For?
Since the Plum Card® From American Express is a charge card, it doesn’t come with an APR. It’s best for business owners who want a business card that doesn’t have a preset spending limit and offers payment flexibility. You have the option to carry a balance for up to 60 days without interest, but this 60-day interest-free option doesn’t offer rewards.
If you want to earn cash back, you should pay your balance in full each month. Instead of a zero-interest 60-day term, you can opt to earn unlimited 1.5% cash back when you pay within 10 days of your statement closing date. If you fail to pay within the due date, you’ll be charged a fee of either $39 or 1.5% of the past due amount, whichever is greater. If you don’t pay for two consecutive billing periods, the fee is either $39 or 2.99% of the past due amount, whichever is greater.
Pay within 10 days of your statement closing date to earn rewards:
Keep in mind that the unlimited 1.5% early-pay discount only applies to the portion of your balance that you pay within 10 days of your statement closing date. If you prefer to earn rewards on all balances, you may want to consider another American Express business credit card that doesn’t require you to pay early to earn rewards.
Why We Like the Plum Card® From American Express
- No preset spending limit: Take advantage of a flexible credit limit that adjusts with your card usage, payment history, credit, and other factors.
- Cash flow flexibility: Carry your balance for up to 60 days with no interest if your cash flow doesn’t allow you to pay your balance in full every month.
- Early pay discount: Earn unlimited 1.5% cash back on the portion of your balance you pay within 10 days of your statement closing date.
- No foreign transaction fee: No need to pay a foreign transaction fee if you use your card to make purchases outside the US.
What’s Missing From the Plum Card® From American Express
The Plum Card® From American Express doesn’t have a welcome offer, zero annual fee period, and an introductory 0% APR. Another disadvantage is that it doesn’t allow balance transfers or cash advances. You also need to pay your balance in full every month unless you opt into 60-day free financing terms. If you choose the 60-day free financing terms, you won’t receive rewards on your purchases.
American Express Business Green Rewards Card: Best Charge Card With Travel Rewards
Who Is the American Express Business Green Rewards Card Best For?
The American Express Business Green Rewards Card is a charge card that’s best for business owners who want to receive travel rewards. You can enjoy several travel perks and protections like baggage insurance and car rental loss and damage insurance. Besides that, it offers rewards that can be redeemed for travel expenses. Plus, it has a low annual fee and no preset spending limit—your credit limit adjusts based on your purchase, payment, and credit history.
Take advantage of the Pay Over Time feature:
While it’s a charge card and your balance is due in full monthly, it offers a Pay Over Time option, which allows you to carry a balance on eligible purchases with interest that ranges from 14.99% to 22.99%. Consider other American Express credit cards if you want to use a regular business credit card and not a charge card.
Why We Like the American Express Business Green Rewards Card
- Flexible spending limit: Enjoy a flexible credit limit that will adjust based on your purchase, payment, and credit history.
- Pay Over Time feature: Use the Pay Over Time option to carry a balance on eligible purchases and pay over time with interest.
- Sign-up bonus: Earn 15,000 Membership Rewards® points when you spend at least $3,000 within the first three months of card ownership.
- Zero annual fee period: Enjoy zero annual fee for the first year, then pay $95 per year thereafter.
What’s Missing From the American Express Business Green Rewards Card
The American Express Business Green Rewards Card doesn’t offer a 0% introductory APR—your balance is due in full every month unless you opt to use the Pay Over Time feature. It also doesn’t offer balance transfers or cash advances and charges a 2.7% foreign transaction fee for purchases made outside of the US.
Amazon Business Prime American Express Card: Best for Amazon Prime Members
Who Is the Amazon Business Prime American Express Card Best For?
The Amazon Business Prime American Express Card is designed for business owners who have an existing Amazon Prime membership. It offers 5% cash back or 90-day free financing on US purchases at Amazon, Whole Foods Market Amazon Business, and Amazon Web Services (AWS) as well as exclusive perks. You’ll also earn 2% cash back on dining, gas, and wireless phone services purchased directly from service providers and 1% cash back on all other purchases.
Exclusive to Amazon Prime members:
While it doesn’t charge an annual fee, you have to pay for an Amazon Prime membership to qualify. If you’re a frequent Amazon shopper but not a Prime member, the American Express Amazon Business Card is the card for you.
Why We Like the Amazon Business Prime American Express Card
- Sign-up bonus: Receive a $125 Amazon Gift Card upon approval without any spending requirements.
- 5% back or interest-free financing options: Either earn 5% back on the first $120,000 in purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market, or take advantage of the 90-day interest-free financing.
- No annual fee: Reduce your credit cost while earning rewards by not paying annual fees.
- 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 item 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.com and Amazon Business or apply them toward a purchase on your statement. Plus, rewards don’t expire.
What’s Missing From the Amazon Business Prime American Express Card
The Amazon Business Prime American Express Card doesn’t offer a 0% introductory APR unless you choose the 90-day interest-free term. The 90-day interest-free term is also short compared to most credit cards that offer an introductory 0% APR period. This card also doesn’t allow balance transfers, so it may not be a good option if you plan to transfer a balance from another card. On top of those, keep in mind that it’s only available to Amazon Prime members.
Amazon Business American Express Card: Best for Non-Prime Amazon Shoppers
Who Is the Amazon Business American Express Card Best For?
The Amazon Business American Express Card is best for business owners who frequently shop at Amazon but aren’t Prime members. It offers either 3% cash back or 60-day interest-free financing terms on US purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, without requiring an Amazon Prime membership. It also offers 2% cash back on dining, gas, and wireless phone services purchased directly from service providers and 1% cash back on all other purchases.
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. However, if you’re 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.
Why We Like the Amazon Business American Express Card
- Sign-up bonus: Get a $100 Amazon Gift Card upon approval for the Amazon Business American Express Card without any spending requirements.
- 3% Back or 60-day terms: Either earn 3% back or enjoy 60-day interest-free terms on US purchases at Amazon Business, AWS, Amazon.com, and Whole Foods Market. The 3% back is applicable to the first $120,000 in purchases each calendar year—after that, you’ll receive 1%.
- No annual fee: Minimize your credit cost while earning rewards by not having to pay annual fees.
- No need for Amazon Prime membership: Anyone who shops frequently at Amazon can apply for an Amazon Business American Express Card, including those who aren’t Amazon Prime members.
- No foreign transaction fees: 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.
What’s Missing From the Amazon Business American Express Card
The Amazon Business American Express Card doesn’t allow balance transfers and doesn’t offer a 0% introductory APR unless you opt for the 60-day term. This 0% term is shorter compared to most business credit cards’ introductory rates and only applies to purchases made at the US Amazon Business, AWS, Amazon.com, and Whole Foods Market.
The Amazon Business American Express Card, Amazon Business Prime American Express Card, and American Express Blue Business CashTM Card made it to our best Amazon business credit cards list.
Delta SkyMiles® Gold Business Card: Best Delta Frequent Flyer Card With Low Annual Fee
Who Is the Delta SkyMiles® Gold Business American Express Card Best For?
The Delta SkyMiles® Gold Business American Express Card is best for business owners who fly with Delta Air Lines frequently and spend on advertising, shipping, and dining. You can earn unlimited rewards when you use it to pay for advertising in select media, US shipping purchases, and dining at restaurants.
This is also a great option for those looking for 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.
Earn rewards on other spending categories:
This card is ideal if you’re loyal to Delta Air Lines but also have significant expenses in other spending categories. If you plan to use your card primarily for Delta flights and hotel bookings, you might find the Delta SkyMiles® Platinum American Express Business Card more valuable.
Why We Like the Delta SkyMiles® Gold Business American Express Card
- Welcome offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new card in your first three months of card membership.
- Low annual fee: Enjoy a low annual fee of only $99, which is waived for the first year.
- 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.
- Lucrative rewards: Earn 2x miles on purchases directly made with Delta, as well as other categories like online advertising, dining, and shipping. Earn 1x miles on all other purchases.
What’s Missing From the Delta SkyMiles® Gold Business American Express Card
One disadvantage of the Delta SkyMiles® Gold Business American Express Card is that it doesn’t allow balance transfers. Also, unlike the other Delta SkyMiles® American Express credit cards, it doesn’t provide free or discounted access to the Delta Sky Club. Besides that, it doesn’t offer 0% introductory financing—this is something you should consider if you plan to use your card to make a large purchase.
Delta SkyMiles® Platinum Business American Express Card: Best for Discounted Delta Sky Club® Rate
Who Is the Delta SkyMiles® Platinum Business American Express Card Best For?
The Delta SkyMiles® Platinum Business American Express Card is best for business owners who fly with Delta Air Lines 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 $39 per person when traveling Delta.
Plus, you can earn 3x miles on every dollar spent on eligible purchases made directly with Delta and hotels, and 1x miles on all other purchases. You can redeem your miles by booking travel on Delta and Delta Connection carrier-operated flights and flights booked through the Delta rewards portal. It also offers priority boarding and free checked-in baggage.
Earn additional miles on up to $50,000 per year: It also offers 1.5x miles, which is an extra half mile per dollar, on single eligible purchases of $5,000 or more, up to 50,000 additional miles per calendar year. If you spend more than $50,000 per year, you’ll benefit more from the Delta SkyMiles® Reserve American Express Business Card.
Why We Like the Delta SkyMiles® Platinum Business American Express Card
- Welcome offer: Earn 60,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first three months of card ownership.
- Status Boost®: Earn 10,000 Medallion® Qualification Miles after spending $25,000 in purchases on your card in a calendar year, up to two times per year.
- No foreign transaction fees: Use your card to make purchases outside of the US without having to worry about foreign transaction fees.
- In-flight savings: Receive a 20% savings in the form of a statement credit on all eligible in-flight purchases, including food, beverages, and audio headsets, when you use your card to pay for these purchases.
- Business management tools: Take advantage of the expense management tools such as QuickBooks integration, American Express® Business App, and Vendor Pay by Bill.com. It also allows you to assign a trusted team member as an account manager to handle tasks like making payments, reviewing transactions, and adding employee cards.
- Delta Sky Club® per-visit rate: Enjoy an exclusive per-visit rate of $39 per person for you and up to two traveling companions when traveling on Delta.
The Delta SkyMiles® Platinum Business American Express Card is also one of our top-recommended business credit cards for travel because of its generous rewards program.
What’s Missing From the Delta SkyMiles® Platinum Business American Express Card
The Delta SkyMiles® Platinum Business American Express Card doesn’t offer a 0% introductory APR and zero annual fee period—plus, you’ll be charged an annual fee of $250. It also doesn’t offer balance transfers.
Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Perks
Who Is the Delta SkyMiles® Reserve Business American Express Card Best For?
The Delta SkyMiles® Reserve Business American Express Card is best for business owners who primarily fly with Delta Air Lines and want to enjoy premium travel perks, like free check-in baggage and complimentary access to airport lounges. You can also enjoy complimentary access to Delta Sky Club and a reduced rate of $39 per person for up to two guests.
Earn an extra mile if you spend more than $150,000:
You can earn 3x miles on Delta purchases and 1x miles on all other purchases. It offers 1.5x miles per dollar, which is an extra half-mile per dollar, on eligible purchases for the rest of the year after you spend $150,000. If you don’t spend this much in a year, you may want to consider either the Delta SkyMiles® Platinum Business American Express Card or Delta SkyMiles® Gold Business American Express Card.
Why We Like the Delta SkyMiles® Reserve Business American Express Card
- Welcome offer: Earn 60,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new card in your first three months.
- Premium travel perks: 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, and more.
- No foreign transaction fees: Use your card to make purchases outside the US without having to pay foreign transaction fees.
- Status Boost®: Receive 15,000 MQMs after spending $30,000 in purchases in a calendar year, up to four times per year.
- Delta Sky Club access: Enjoy complimentary access to Delta Sky Club. You’ll also receive two Delta Sky Club one-time guest passes each year.
Similar to the American Express Business Platinum Card®, this is also one of our top choices for the best credit cards with airport lounge access. It’s also one of our leading business credit cards for earning miles.
What’s Missing From the Delta SkyMiles® Reserve Business American Express Card
The Delta SkyMiles® Reserve Business American Express Card doesn’t offer an introductory zero annual fee period and comes with a high annual fee of $550. It also lacks introductory interest-free financing, and balance transfers are unavailable.
Hilton Honors American Express Business Card: Best for Loyal Hilton Customers
Who Is the Hilton Honors American Express Business Card Best For?
The Hilton Honors American Express Business Card is best for business owners who primarily stay at Hilton hotels and resorts. It offers 12x points per dollar for purchases made directly with Hilton hotels and resorts, as well as free weekend night rewards when you meet certain thresholds. You can use your Hilton Honors Bonus Points to pay for hotel stays, unique travel experiences, Amazon shopping, or purchases from airline partners.
Enjoy several travel perks:
This card may be an excellent option if you travel frequently as it comes with premium perks like free priority access to over 1,200 Priority Pass airport lounges. If you don’t need to earn travel rewards, consider other American Express business credit cards.
Why We Like Hilton Honors American Express Business Card
- Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the card in the first three months of card membership.
- Premium rewards points: Enjoy high rewards points as follows:
- 12x points per dollar for purchases made directly with Hilton hotels and resorts
- 6x points per dollar on US wireless telephone services, shipping, travel purchases (including flights booked directly with airlines or with Amex Travel and car rentals booked directly from select car rental companies), and dining at US restaurants
- 3x points per dollar on all other eligible purchases
- Free weekend night reward: Get a free weekend night stay when you spend $15,000 in one year, and a second weekend night reward after you spend $60,000 in one year.
- Low annual fee: Pay a low annual fee of $95, which is lower than most business credit cards.
- No foreign transaction fees: No need to pay foreign transaction fees on purchases made outside the US.
- Complimentary Hilton Honors Gold Status: Enjoy perks like an 80% bonus on all Base Points, space-available room upgrades, and more as a Hilton Honors Gold member.
- 10 complimentary priority pass visits: Take advantage of 10 complimentary visits to a selection of over 1,200 airport lounges each year once enrolled in Priority Pass™ Select Membership.
The Hilton Honors American Express Business Card is also one of our top choices for the best credit cards with no foreign transaction fees and leading business credit cards for travel.
What’s Missing From Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card doesn’t allow balance transfers and lacks a 0% introductory APR. While it charges a low $95 annual fee, it doesn’t waive the fee for the first year.
Marriott Bonvoy Business American Express® Card: Best for Loyal Marriott Customers
Who Is the Marriott Bonvoy Business American Express® Card Best For?
The Marriott Bonvoy Business American Express® Card is best for business owners who primarily stay at Marriott hotels and want to earn Marriott Bonvoy rewards. It offers 6x points at participating hotels, which include all of the previous Starwood Preferred Guest and Ritz-Carlton properties. You’ll also earn 4x points on dining, gas, shipping, and wireless phone services purchased directly from service providers and 2x points on all other purchases.
Take advantage of travel rewards:
If you travel frequently and want to earn travel rewards that can be redeemed for free hotel stays, flights, car rentals, and hotel and air packages, this card may be a good fit. If you don’t need a travel rewards credit card, consider other American Express credit card options.
Why We Like the Marriott Bonvoy Business American Express® Card
- Sign-up bonus: Earn 75,000 bonus Marriott Bonvoy points after you use your new card to make $3,000 in eligible purchases within the first three months of card membership.
- Free night awards: Receive a free night stay every year after your card renewal month and another free night award after you spend $60,000 in purchases on your card in a calendar year.
- More than 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 Silver Elite status: Receive complimentary Marriott Bonvoy Silver Elite status, which offers priority late checkout when available and 10% bonus points on stays.
- No foreign transaction fees: Pay no foreign transaction fees on the purchases you make outside of the US.
- Premium rewards points: Get premium rewards points as follows:
- 6x points per $1 spent at participating Marriott Bonvoy hotels
- 4x points per dollar on expenses at restaurants and gas stations and on shipping and wireless phone services
- 2x points per dollar on all other purchases
- Premium internet access: Receive premium internet access while staying at hotels participating in the Marriott Bonvoy program.
Similar to the Hilton Honors American Express Business Card, it’s also one of our top-recommended business credit cards for travel and the best business credit cards with no foreign transaction fees.
What’s Missing From the Marriott Bonvoy Business American Express® Card
The Marriott Bonvoy Business American Express® Card doesn’t offer a zero annual fee period—you’ll be charged an annual fee of $125 right away. It also doesn’t have an interest-free financing period, which is a drawback if you plan to make a large purchase. Additionally, balance transfers aren’t allowed.
Lowe’s Business Rewards Card From American Express: Best for Real Estate Investors & Frequent Lowe’s Shoppers
Who Is the Lowe’s Business Rewards Card from American Express Best For?
The Lowe’s Business Rewards Card from American Express is best for business owners who shop frequently at Lowe’s, as well as real estate investors, contractors, and fix-and-flippers. It offers in-store discounts, and you can earn reward points on eligible purchases.
Enjoy store discounts at Lowe’s:
The Lowe’s Business Rewards Card is a practical option for those who need to shop for home improvement products frequently, as it offers a 5% discount on eligible Lowe’s purchases. However, this card isn’t right for you if you don’t make frequent purchases at Lowe’s.
Why We Like the Lowe’s Business Rewards Card from American Express
- Sign-up bonus: Get a $100 back upon approval, which is earned automatically as a statement credit. You’ll also earn 5% cash back on eligible purchases made on your card at Lowe’s for the first six months after opening an account.
- Access to Lowe’s ProServices: Access benefits with Lowe’s ProServices, including discounted delivery, bulk rate pricing, and the business replenishment program.
- No 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.
- 5% off at Lowe’s: Receive a 5% discount on all eligible Lowe’s purchases.
- Generous cash back rewards: Earn 2% cash back on purchases at Lowe’s after six months of being a card owner. Also, earn 2% cash back on dining, office supplies, and wireless telephone services purchased directly from US service providers and 1% cash back on all other purchases.
What’s Missing From the Lowe’s Business Rewards Card from American Express
The Lowe’s Business Rewards Card from American Express doesn’t offer a 0% introductory APR and doesn’t allow balance transfers. Another disadvantage is that it charges a foreign transaction fee.
Bottom Line
American Express offers business credit cards across several categories, which include cash back, travel, no-interest, and co-branded hotel and airline. 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 cobranded business credit card. To find other card options, visit our Credit Card Marketplace.
