Best American Express Business Credit Cards of 2023

Editor’s note: This is a recurring post with regularly updated card details.

American Express offers 14 small business credit cards with different reward programs, including cash back, travel, points, and store discounts. Some come with flexible credit limits, while others allow you to carry a balance with interest. The best American Express business credit card for you depends on your spending habits, rewards preference, and ability to pay your balance in full each month.

Here are the 14 business credit cards from American Express:

American Express® Business Gold Card: Best for earning premium rewards on top two categories where you spend the most
American Express Business Platinum Card®: Best for premium travel perks
American Express Blue Business Cash™ Card: Best fixed-rate cash back card with interest-free financing
American Express Blue Business® Plus Credit Card: Best fixed-rate points-based card with interest-free financing
The Plum Card® From American Express: Best charge card for payment flexibility
American Express Business Green Rewards Card: Best charge card with travel rewards and no preset spending limit
Amazon Business Prime American Express Card: Best for Amazon Prime members
Amazon Business American Express Card: Best for non-Prime Amazon shoppers
Delta SkyMiles® Gold Business Card: Best Delta frequent flyer card with a low annual fee
Delta SkyMiles® Platinum Business American Express Card: Best for discounted Delta Sky Club® rate
Delta SkyMiles® Reserve Business American Express Card: Best for premium Delta perks
Hilton Honors American Express Business Card: Best for loyal Hilton customers
Marriott Bonvoy Business American Express® Card: Best for loyal Marriott customers
Lowe’s Business Rewards Card From American Express: Best for real estate investors and frequent Lowe’s shoppers

American Express Business Credit Cards of 2023 at a Glance

	Best For	Annual Fee	Credit Needed	Rewards
American Express® Business Gold Card	Earning premium rewards on top two categories where you spend the most	$295	Good to Excellent	Up to 4x points
American Express® Business Gold Card	Apply Now
American Express Business Platinum Card®	Premium travel perks	$695	Good to Excellent	Up to 5x points
American Express Business Platinum Card®	Apply Now
American Express Blue Business Cash™ Card	Earning fixed-rate cash back with interest-free financing	$0	Good to Excellent	Up to 2% cash back
American Express Blue Business Cash™ Card	Apply Now
American Express Blue Business® Plus Credit Card	Earning fixed-rate points-based rewards with interest-free financing	$0	Good to Excellent	Up to 2x points
American Express Blue Business® Plus Credit Card	Apply Now
The Plum Card® From American Express	Payment flexibility	$250	Good to Excellent	1.5% early pay discount
The Plum Card® From American Express	Apply Now
American Express Business Green Rewards Card	Earning travel rewards without preset spending limit	$95	Good to Excellent	Up to 2x points
American Express Business Green Rewards Card	Apply Now
Amazon Business Prime American Express Card	Amazon Prime members	$0	Good to Excellent	Up to 5% cash back
Amazon Business Prime American Express Card	Apply Now
Amazon Business American Express Card	Amazon frequent shoppers without Prime membership	$0	Good to Excellent	Up to 3% cash back
Amazon Business American Express Card	Apply Now
Delta SkyMiles® Gold Business Card	Delta frequent flyers wanting a card with a low annual fee	$99	Good to Excellent	Up to 2x miles
Delta SkyMiles® Gold Business Card	Apply Now
Delta SkyMiles® Platinum Business American Express Card	Discounted Delta Sky Club® rate	$250	Good to Excellent	Up to 3x miles
Delta SkyMiles® Platinum Business American Express Card	Apply Now
Delta SkyMiles® Reserve Business American Express Card	Premium Delta perks	$550	Good to Excellent	Up to 3x miles
Delta SkyMiles® Reserve Business American Express Card	Apply Now
Hilton Honors American Express Business Card	Loyal Hilton customers	$95	Good to Excellent	Up to 12x points
Hilton Honors American Express Business Card	Apply Now
Marriott Bonvoy Business American Express® Card	Loyal Marriott customers	$125	Good to Excellent	Up to 6x points
Marriott Bonvoy Business American Express® Card	Apply Now
Lowe’s Business Rewards Card From American Express	Real estate investors and Lowe’s frequent shoppers	$0		5% off at Lowe’s and up to 2% cash back
Lowe’s Business Rewards Card From American Express	Apply Now

It’s important to identify your unique business needs when choosing the best American Express business card. Consider the following factors:

1. Your Preferred Rewards

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

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 various 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 cards 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 do not offer balance transfer services. If you prefer a card that allows you to transfer a balance from another, you can choose from these two:

American Express Blue Business® Plus Credit Card
American Express Blue Business Cash™Card

4. Cash Advance Services

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

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

5. Interest-Free Financing

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

6. Flexible Credit Limits

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

If you need flexible credit limits, consider the following cards:

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

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: Best for Earning Premium Rewards on Your Top Two Expense Categories

American Express® Business Gold Card

BEST FOR:

Maximizing rewards in the two categories where you spend the most

Apply Now

on American Express® Business Gold Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% 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.*
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 changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

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Intro APR

N/A

Regular APR

19.24% - 27.24% 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.*
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 changes, lockout service when the key is in the vehicle, and delivery of up to two gallons of gas
Return protection: American Express will refund you for eligible purchases when the store doesn’t accept returns of undamaged items. Coverage is limited to 90 days from purchase, up to $300 per item, and up to a maximum of $1,000 per year.
Baggage insurance: If your baggage is lost, damaged, or stolen, you’re eligible for coverage of up to $1,250 for carry-on luggage and $500 for checked bags
Extended warranty: Receive one additional year of coverage on purchases with eligible warranties of five years or less
Purchase protection: Covers new purchases against damage or theft within 90 days of purchase. Coverage is limited to $1,000 per incident.

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Who Should Consider the American Express® Business Gold Card

The American Express® Business Gold Card is best for business owners who have substantial expenses on various categories each month. It offers 4x points on the first $150,000 in combined purchases from the top two spending categories where your business spends the most each month. These categories include flights, advertising, gas, dining, technology, and shipping. Additionally, you can earn 1x points per dollar on other eligible purchases.

Enjoy travel perks and flexible credit limits: This is an excellent card option if you travel frequently because it offers travel perks like baggage insurance, and trip delay insurance. You can also book a flight using Pay with Points and get 25% points back. Plus, it has no preset spending limit, which means your credit limit adjusts based on your purchase, payment, and credit history.

However, if you spend more than $150,000 in airfare and hotel bookings and need premium travel perks like access to various airport lounges, you may benefit more from the American Express Business Platinum Card®.

Other Benefits of the American Express® Business Gold Card

Sign-up bonus: Earn 70,000 Membership Rewards® points after spending $10,000 on eligible purchases within the first three months of card membership.
Pay Over Time feature: Carry a balance for eligible transactions and pay it over time with interest as long as it doesn’t exceed your Pay Over Time limit.
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 U.S. and enjoy zero foreign transaction fees.
Expense management tools: Take advantage of expense management tools, including access to mobile and online banking, a year-end summary of your expenses, Vendor Pay by Bill, and QuickBooks® integration.

The American Express® Business Gold Card is one of our best business credit cards for consultants 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% 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

The Business Platinum Card® from American Express

BEST FOR:

Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access

Apply Now

on The Business Platinum Card® from American Express's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
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.

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Intro APR

N/A

Regular APR

19.24% - 27.24% 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 annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for checked baggage fees, lounge day passes, and more at one selected airline.
$189 CLEAR® Plus Credit: Use your Card and get up to $189 back per year on your CLEAR® Plus membership. CLEAR® lanes are available at 100+ airports, stadiums, and entertainment venues.
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.

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Who Should Consider the American Express Business Platinum Card®

If you have frequent travel expenses and prefer luxury travel, the American Express Business Platinum Card® is a suitable choice. It offers premium rewards points on travel and hotel bookings and travel perks like access to airport lounges and airline fee credit on qualifying incidental purchases. While you’ll need to pay your balance in full each month, you can opt to use the Pay Over Time feature, which allows you to carry a balance with interest.

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—this is something to consider and you should ensure that the rewards and perks 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.

Other Benefits of 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.
Free access to more than 1,400 airport lounges worldwide: Enjoy complimentary access to over 1,400 airport lounges worldwide. These include The Centurion Network of Lounges and Studios, Airspace, Priority Pass Select, Escape Lounges-The Centurion® Studio Partner, Plaza Premium, Delta Sky Club when flying Delta, and select Lufthansa Lounges when flying with Lufthansa Group.
$200 airline fee credit: Receive up to $200 in statement credits per calendar year as a refund for incidental fees, such as checked bags and in-flight refreshments.
Get up to 1,000,000 points back per year: Receive 35% points back when you redeem rewards to book a first or business-class flight with American Express Travel, up to 1,000,000 points back per calendar year.
No preset spending limit: Enjoy a flexible spending limit that adjusts based on your spending habits, payment, and credit history.
No foreign transaction fee: Pay no foreign transaction fees on purchases made outside of the country.
Expense management: Manage your account and expenses using streamlined tools like access to mobile and online banking, Vendor Pay by Bill, and QuickBooks® integration, and more.

The American Express Business Platinum Card® is our leading business 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. Plus, it doesn’t offer an introductory zero annual fee period and a 0% APR period—and it has a high annual fee. While it comes with premium travel rewards and perks, it requires you to pay your balance in full each month, unless you choose 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

American Express Blue Business Cash™ Card

BEST FOR:

Those who want better cash back rewards

Apply Now

on American Express Blue Business Cash™ Card's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% 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, 18.24% - 26.24%, 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.

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Intro APR

0% on purchases

Regular APR

18.24% - 26.24% 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, 18.24% - 26.24%, 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.

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Who Should Consider the American Express Blue Business Cash™ Card

The American Express Blue Business Cash^TM Card is a good fit if you prefer to earn cash back and enjoy a 0% APR on purchases for the first 12 months. It offers fixed-rate rewards for all eligible purchases, regardless of categories, which is great if you don’t want to monitor spending categories. Consider this card if you need to spend over your credit limit, as it features expanded buying power. Your credit limit adjusts with your card use, payment history, credit record, financial resources, and other factors.

Earn automatic fixed-rate cash back on all purchases: Receive 2% cash back on all eligible purchases of up to $50,000 per calendar year, then 1% cash back is earned when the cap is met. Redeem your rewards as an automatic statement credit.

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 Cash^TM Card and Blue Business® Plus Credit Card offer the lowest APR among all American Express business credit cards.

Other Benefits of the American Express Blue Business Cash^TM Card

No annual fee: Reduce your credit cost by not having to pay annual fees.
Sign-up bonus: Earn a $250 statement credit after you spend $3,000 in purchases within the first three months of opening an account.
Expense management: Access all available expense management tools, including mobile and online banking, Vendor Pay by Bill, year-end expense summary, and QuickBooks® integration.

The American Express Blue Business Cash^TM 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 Cash^TM Card

The American Express Blue Business Cash^TM Card doesn’t offer zero foreign transaction fees, and you’ll be charged a 2.7% fee for every transaction made outside the United States. 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

The Blue Business® Plus Credit Card from American Express

BEST FOR:

Pocketing 2x points per $1 and 0% introductory APR for 12 months

Apply Now

on The Blue Business® Plus Credit Card from American Express's secure website.

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% 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, 18.24% - 26.24%, 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.

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Review

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& Fees

Intro APR

0% on purchases

Regular APR

18.24% - 26.24% 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, 18.24% - 26.24%, 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.

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Who Should Consider the American Express Blue Business® Plus Credit Card

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 Cash^TM Card, it offers a 0% APR period on purchases and has the lowest starting APR among all other American Express business cards. Its Expanded Buying Power feature allows you to spend over your credit limit based on your card usage, payment history, credit record, and other factors.

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 various merchants.

If you prefer to earn cash back rewards as an automatic statement credit, consider the American Express Blue Business Cash^TM Card.

Other Benefits of the American Express Blue Business® Plus Credit Card

No annual fee: Pay no annual fees while earning unlimited rewards.
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.
Expense management: Simplify your expense management by using tools like mobile and online banking, QuickBooks® integration, Vendor Pay by Bill, year-end expense summary, and account alerts.

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 United States. Also, it’s worth noting that the 0% introductory APR doesn’t apply to balance transfers.

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

The Plum Card® from American Express

BEST FOR:

Accessing early pay discounts or 60 days of no interest

Apply Now

on The Plum Card® from American Express's secure website.

Intro APR

N/A

Regular APR

N/A

Annual Fee

$250

Credit Needed

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.

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Intro APR

N/A

Regular APR

N/A

Annual Fee

$250

Credit Needed

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.

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Who Should Consider the Plum Card® From American Express

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 can choose to either pay your balance in full or carry a balance for up to 60 days without interest. However, this 60-day interest-free option 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.

Other Benefits of 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.
No foreign transaction fee: No need to pay a foreign transaction fee if you use your card to make purchases outside the U.S.
Expense management: Manage your expenses by using tools like QuickBooks® integration, Vendor Pay by Bill, mobile and online banking, year-end expense summary, account alerts, and more.

What’s Missing From the Plum Card® From American Express

The Plum Card® From American Express doesn’t have a welcome offer and an introductory 0% APR. Another disadvantage is that it doesn’t allow balance transfers or cash advances. It also has a high annual fee of $250 without a zero annual fee period. Keep in mind that you need to pay your balance in full every month—unless you opt into 60-day free financing terms. If you choose the 60-day free financing terms, you won’t receive rewards on your purchases.

American Express Business Green Rewards Card: Best Charge Card With Travel Rewards & No Preset Spending Limit

Business Green Rewards Card from American Express

BEST FOR:

Employee expense management solutions

Learn More

Intro APR

N/A

Regular APR

19.24% (Prime Rate + 10.99%) to 27.24% (Prime Rate + 18.99%)

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

Note: The information related to the Business Green Rewards Card from American Express has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

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.

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Intro APR

N/A

Regular APR

19.24% (Prime Rate + 10.99%) to 27.24% (Prime Rate + 18.99%)

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

Note: The information related to the Business Green Rewards Card from American Express has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

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.

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Who Should Consider the American Express Business Green Rewards Card

The American Express Business Green Rewards Card is a charge card that’s best for business owners wanting to receive travel rewards and enjoy flexible spending limits. Your credit limit adjusts based on your purchase, payment, and credit history. You can take advantage of several travel perks and protections like baggage insurance and car rental loss and damage insurance. What’s more, it offers 2x points per dollar on flights and prepaid hotel expenses and 1x points on all other purchases, which you can redeem for travel expenses.

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. Consider other American Express credit cards if you want to use a regular business credit card and not a charge card.

Other Benefits of the American Express Business Green Rewards Card

Sign-up bonus: Earn 15,000 Membership Rewards® points when you spend at least $3,000 within the first three months of card ownership.
Low annual fee: The annual fee is only $95, which is waived for the first year.
Expense management: Enjoy access to QuickBooks®, Vendor Pay by Bill, year-end expense summary, mobile and online banking, and more.

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 allow balance transfers or cash advance transactions and charges a 2.7% foreign transaction fee for purchases made outside of the U.S.

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

Amazon Business Prime American Express Card

BEST FOR:

5% back or 90-day repayment terms

Apply Now

on Amazon Business Prime American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% 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.

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Intro APR

N/A

Regular APR

19.24% - 27.24% 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.

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Who Should Consider the Amazon Business Prime American Express Card

The Amazon Business Prime American Express Card is designed for business owners who have an existing Amazon Prime membership. It offers 90-day free financing or 5% cash back on the first $120,000 in purchases at Amazon, Whole Foods Market, Amazon Business, and AWS, as well as exclusive perks. You’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.

Other Benefits of the Amazon Business Prime American Express Card

Sign-up bonus: Receive a $125 Amazon Gift Card upon approval without any spending requirements.
No annual fee: Aside from your Prime membership fee, you won’t be charged an annual fee for the credit card.
No foreign transaction fees: Make purchases outside of the U.S. without having to worry about foreign transaction fees.
Amazon Business enhanced data views: Enhanced data views list your purchases by item in an easily downloadable file from your online statement, allowing you to reconcile your expenses easily.
Amazon shop with points: Use your rewards upon checkout on U.S. Amazon.com and Amazon Business or apply them toward a purchase on your statement. Plus, rewards don’t expire.
Expense management: Take advantage of expense management tools like online statements, Vendor Pay by Bill, QuickBooks integration, and year-end summary of expenses.

The Amazon Business Prime American Express Card is also a good option for sole proprietors. It is, in fact, one of our top-chosen sole proprietorship business cards.

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. Moreover, it 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

Amazon Business American Express Card

BEST FOR:

3% back or 60-day repayment terms

Apply Now

on Amazon Business American Express Card's secure website.

Intro APR

N/A

Regular APR

19.24% - 27.24% 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

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Intro APR

N/A

Regular APR

19.24% - 27.24% 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

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Who Should Consider the Amazon Business American Express Card

If you frequently shop at Amazon but don’t have an existing Prime membership, the Amazon Business American Express Card is a good option. You can benefit from either 60-day interest-free financing terms or 3% cash back on the first $120,000 in purchases at Amazon, Whole Foods Market, Amazon Business, and AWS. Plus, receive 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.

Other Benefits of 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.
No annual fee: Minimize your credit cost while earning rewards by not having to pay annual fees.
No foreign transaction fees: Use your card to make purchases outside of the US without having to pay foreign transaction fees.
Amazon Business enhanced data views: Reconcile your expenses easily with the enhanced data views that list your purchases item by item.
Amazon shop with points: Use your rewards to pay for purchases from the US Amazon.com and Amazon Business or apply them toward a purchase on your statement.
Expense management: Manage your expenses easily using tools such as QuickBooks integration, Vendor Pay by Bill, online statements, and year-end summary of expenses.

Both the Amazon Business Prime and Amazon Business American Express cards are named the best Amazon business credit cards.

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 than most business credit cards’ introductory offers and only applies to purchases made in the U.S. Amazon Business, AWS, Amazon.com, and Whole Foods Market.

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

Delta SkyMiles® Gold Business American Express Card

BEST FOR:

Delta Air Lines flyers and earning rewards outside of Delta purchases

Apply Now

on Delta SkyMiles® Gold Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% 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.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
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

Read Full
Review

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% 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.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
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

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Who Should Consider the Delta SkyMiles® Gold Business American Express Card

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 2x miles on purchases made directly with Delta and on the expense categories mentioned earlier. Plus, earn 1x miles on all other purchases.

It’s also a great option if you want a Delta frequent-flyer credit card with a low annual fee. Unlike the Delta SkyMiles® Platinum American Express Business Card and Delta SkyMiles® Reserve Business American Express Card that charge annual fees of $250 and $550, respectively, this card’s annual fee is only $99—and it’s waived for the first year.

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 may benefit more from the Delta SkyMiles® Platinum American Express Business Card.

Other Benefits of the Delta SkyMiles® Gold Business American Express Card

Welcome Offer: Earn 50,000 Bonus Miles after spending $2,000 in purchases on your new Card in your first 3 months of Card Membership.
No foreign transaction fees: Use your card to make purchases outside of the US without having to pay foreign transaction fees.
Earn a $100 Delta flight credit: Spend a total of $10,000 in purchases in a calendar year to earn a $100 Delta flight credit for use toward future travel.
In-flight savings: Enjoy a 20% savings in the form of a statement credit on all eligible in-flight purchases, including food, beverages, and audio headsets, when you use your card to pay for these purchases.
Travel perks: Take advantage of other travel perks, including 15% off when booking travels using miles, Main Cabin 1 priority boarding, and baggage insurance plan.
Expense management: Use tools like Connect to QuickBooks®, online statements, Vendor Pay by Bill, and mobile banking to manage your expenses efficiently.

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. Further, it doesn’t offer 0% introductory financing, which is something you should consider if you plan to use your card to make a large purchase.

Delta SkyMiles® Platinum Business American Express Card: Best for Discounted Delta Sky Club® Rate

Delta SkyMiles® Platinum Business American Express Card

BEST FOR:

Frequent Delta flyers who want to access premium business Delta features

Apply Now

on Delta SkyMiles® Platinum Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. 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 hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
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.

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Review

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$250

Credit Needed

Good, Excellent

Welcome Offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. 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 hotels instead of 1.5X).
Delta Sky Club® Access – Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests while flying together on Delta.
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.

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Who Should Consider the Delta SkyMiles® Platinum Business American Express Card

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 $50 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.

Other Benefits of the Delta SkyMiles® Platinum Business American Express Card

Welcome offer: Earn 60,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership.
No foreign transaction fees: Use your card to make purchases outside of the U.S. without having to worry about foreign transaction fees.
In-flight savings: Receive a 20% savings in the form of a statement credit on all eligible in-flight purchases, including food, beverages, and audio headsets, when you use your card to pay for these purchases.
Business management tools: Take advantage of the expense management tools such as QuickBooks integration, American Express® Business App, and Vendor Pay by Bill. 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.

The Delta SkyMiles® Platinum Business and Delta SkyMiles® Reserve American Express Cards are two of our top-recommended business credit cards for miles because of their 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—you’ll be charged an annual fee of $250 right away. It also doesn’t offer balance transfers.

Delta SkyMiles® Reserve Business American Express Card: Best for Premium Delta Perks

Delta SkyMiles® Reserve Business American Express Card

BEST FOR:

Unlocking the ultimate Delta travel experience

Apply Now

on Delta SkyMiles® Reserve Business American Express Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
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.

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Review

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$550

Credit Needed

Good, Excellent

Welcome Offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Save 15% On Award Travel With TakeOff 15. Eligible Card Members now enjoy exclusive savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections. You’ll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you’re traveling together.
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.

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Who Should Consider the Delta SkyMiles® Reserve Business American Express Card

If you primarily fly with Delta Air Lines and want to enjoy premium travel perks, like free check-in baggage and complimentary access to airport lounges, the Delta SkyMiles® Reserve Business American Express Card is your best bet. You can also enjoy complimentary access to Delta Sky Club and a reduced rate of $50 per person for up to two guests. Plus, you can earn 3x miles on Delta purchases and 1x miles on all other purchases.

Earn an extra half-mile if you spend more than $150,000: 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.

Other Benefits of the Delta SkyMiles® Reserve Business American Express Card

Welcome offer: Earn 70,000 Bonus Miles after spending $5,000 in purchases on your new Card in your first 3 months of Card Membership.
Premium travel perks: Take advantage of premium travel perks, such as Delta Sky Club access, Delta Sky Club one-time guest passes, access to The Centurion® Lounge and Escape Lounge, complimentary upgrades, priority boarding, free checked bag, 15% off on award travel, 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.
Expense management: Take advantage of tools like access to online statements, Vendor Pay by Bill, QuickBooks® integration, and mobile banking to manage your expenses.

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. Also, it’s one of our leading business credit cards for earning miles, just like the Delta SkyMiles® Platinum Business American Express Card.

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

The Hilton Honors American Express Business Card

BEST FOR:

Maximizing rewards on Hilton-related purchases

Apply Now

on The Hilton Honors American Express Business Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
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.

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Review

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

$95

Credit Needed

Good, Excellent

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
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.

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Who Should Consider the Hilton Honors American Express Business Card

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: If you travel frequently, you can benefit from the card’s premium perks, like 10 complimentary visits to over 1,200 Priority Pass airport lounges and no foreign transaction fees. If you don’t need to earn travel rewards, consider other American Express business credit cards.

Other Benefits of Hilton Honors American Express Business Card

Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
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.
Upgrade to Diamond Status: Spend $40,000 on eligible purchases and get upgraded to Hilton Honors Diamond status.
Expense management: Use a variety of expense management tools such as Connect to QuickBooks, access to a mobile app, Vendor Pay by Bill, and more.

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

Marriott Bonvoy Business® American Express® Card

BEST FOR:

Owners who choose to stay at Marriott Bonvoy hotels

Apply Now

on Marriott Bonvoy Business® American Express® Card's secure website.

Intro APR

N/A

Regular APR

20.74% - 29.74% 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.
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.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

See Full Editorial Review Here

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

Read Full
Review

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& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% 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.
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.
6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

See Full Editorial Review Here

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

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Who Should Consider the Marriott Bonvoy Business American Express® Card

If you primarily stay at Marriott hotels and want to earn Marriott Bonvoy rewards, consider the Marriott Bonvoy Business American Express® Card. You’ll receive 6x points at participating hotels under the Marriott Bonvoy® program. 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.

Other Benefits of the Marriott Bonvoy Business American Express® Card

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.
7% Marriott Bonvoy® Room Rate Discount: Receive a 7% discount off standard rates for reservations of standard guest rooms at Marriott Bonvoy program participating hotels.
More than 7,000 participating Marriott Bonvoy hotels: Redeem your rewards for free hotel stays at more than 7,000 participating Marriott Bonvoy hotels.
Complimentary Marriott Bonvoy Gold Elite status: Receive complimentary Marriott Bonvoy Gold Elite status, which offers priority late checkout when available and 25% bonus points on stays.
No foreign transaction fees: Pay no foreign transaction fees on the purchases you make outside of the US.
Premium 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.
Expense management: Expense management tools are available, including QuickBooks integration, year-end account summary, online statements, access to a mobile app, and Vendor Pay by Bill.

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

Lowe’s Business Rewards Card from American Express

BEST FOR:

Accessing discounts and rewards at Lowe’s

Apply Now

On American Express's Secure Website

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
Plus, get $100 back in the form of a statement credit upon approval.
2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
APR on purchases will be a variable rate, 20.74% - 29.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply.

Note: The information related to the Lowe's Business Rewards Card from American Express has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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.

Read Full
Review

See Rates
& Fees

Intro APR

N/A

Regular APR

20.74% - 29.74% Variable

Annual Fee

No annual fee

Credit Needed

Good, Excellent

Extra Value Offer: 5% cash back on purchases at Lowe’s for the first 6 months. 2% back after. New accounts only.
Plus, get $100 back in the form of a statement credit upon approval.
2% cash back at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers. 1% cash back on other eligible purchases. Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
Cash back is received in the form of Lowe’s Business Rewards points that can be redeemed for statement credits or select gift cards.
APR on purchases will be a variable rate, 20.74% - 29.74%, based on your creditworthiness and other factors as determined at the time of account opening.
Terms Apply.

Note: The information related to the Lowe's Business Rewards Card from American Express has been collected by Fit Small Business and has not been reviewed or provided by the issuer of this card.

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.

Read Full Review

See Rates and Fees

Who Should Consider the Lowe’s Business Rewards Card from American Express

The Lowe’s Business Rewards Card from American Express is best suited for business owners who shop frequently at Lowe’s, as well as real estate investors, contractors, and fix-and-flippers. It offers in-store discounts, and you can earn reward points on eligible purchases. It offers 5% cash back on purchases at Lowe’s for the first six months after card ownership, then 2% cash back after. You’ll also receive 2% cash back on dining, office supplies, and wireless telephone services, and 1% cash back on all other purchases.

Enjoy store discounts at Lowe’s: The Lowe’s Business Rewards Card is a practical option for those needing to shop for home improvement products frequently, as it offers a 5% discount on eligible Lowe’s purchases. However, if you don’t make frequent purchases at Lowe’s, it’s best to consider other business credit cards from American Express that are more suitable for your needs.

Other Benefits of the Lowe’s Business Rewards Card from American Express

Sign-up bonus: Get $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 various 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.
Expense management: Manage your expenses efficiently with a variety of expense management tools, including QuickBooks integration, online and mobile banking, Vendor Pay by Bill, account alerts, and more.

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 cards for hotels, airlines, and stores. Each card comes with various introductory and ongoing rewards, annual fees, APRs, and other benefits. The best American Express business card for you depends on what type of rewards you want, whether you need flexible credit limits or prefer to carry a balance, or if you want a co-branded business credit card.

American Express Business Credit Cards of 2023 at a Glance

How to Choose the Right American Express Credit Card

1. Your Preferred Rewards

2. Annual Fees

3. Balance Transfers

4. Cash Advance Services

5. Interest-Free Financing

6. Flexible Credit Limits

American Express® Business Gold Card: Best for Earning Premium Rewards on Your Top Two Expense Categories

American Express® Business Gold Card

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American Express Business Platinum Card®: Best for Premium Travel Perks

The Business Platinum Card® from American Express

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American Express Blue Business Cash™ Card: Best Cash Back Card With Interest-free Financing

American Express Blue Business Cash™ Card

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

The Blue Business® Plus Credit Card from American Express

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

The Plum Card® from American Express

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American Express Business Green Rewards Card: Best Charge Card With Travel Rewards & No Preset Spending Limit

Business Green Rewards Card from American Express

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Pros & Cons

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What’s Missing From the American Express Blue Business Cash^TM Card