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American Express Business Cards for March 2023

Amex offers business cards focused on a variety of business needs including general expenses, Amazon purchases, Delta flights and hotel stays.

Amex offers business cards focused on a variety of business needs including general expenses, Amazon purchases, Delta flights and hotel stays.

Whether you take frequent business trips, spend a lot of money on Amazon or just want to maximize your rewards across your budget, American Express offers a wide variety of business cards for all types of operation. Many American Express cards offer simple business integrations with your account, such as connecting to Quickbooks for easy accounting or offering employee cards.

To choose the ideal card for your business, compare your budget to the card rewards and perks to find a good fit. Keep in mind that while some American Express business cards earn cash back or loyalty points for third-party partnerships, others earn Membership Rewards® points, American Express’s branded currency. 

Membership Rewards points are typically only worth 1 cent when redeemed for flights booked through American Express Travel, and they’re worth significantly less for other redemption methods. Cards that offer Membership Rewards points are therefore most likely to suit you if you’re specifically looking to reduce your flight costs in the long term. Other cards will offer better general rewards propositions.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Read more: American Express Consumer Cards

The Business Platinum Card®  from American Express
Learn More
For big budgets and business travel The Business Platinum Card® from American Express
7/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
120,000 points 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.
Annual fee
$695
APR
18.99% – 26.99% Variable
Rewards rate
1x – 5x Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com; Earn 1.5X points 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; 1X points for each dollar you spend on eligible purchases.

The Business Platinum Card® from American Express earns cardholders Membership Rewards points, and its reward program fittingly favors flights and prepaid hotels booked through amextravel.com (5x points). Otherwise the rewards, annual fee and welcome offer suggest that this card might be best for medium-to-large businesses that have a high enough budget to be able to take full advantage. The rewards themselves are probably not enough to make the card worth it in most cases, but if you can take advantage of the more than $1,000 in annual statement credits, this card may become a no-brainer.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
5x
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5x
Earn 1.5X points 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
1x
1X points for each dollar you spend on eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Business Platinum Card® from American Express earns cardholders Membership Rewards points, and its reward program fittingly favors flights and prepaid hotels booked through amextravel.com (5x points). Otherwise the rewards, annual fee and welcome offer suggest that this card might be best for medium-to-large businesses that have a high enough budget to be able to take full advantage. The rewards themselves are probably not enough to make the card worth it in most cases, but if you can take advantage of the more than $1,000 in annual statement credits, this card may become a no-brainer.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
5x
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
1.5x
Earn 1.5X points 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
1x
1X points for each dollar you spend on eligible purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
American Express® Business Gold Card
Learn More
For flexible business rewards American Express® Business Gold Card
7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
70,000 points 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.*
Annual fee
$295
APR
18.99% – 26.99% Variable
Rewards rate
1x – 4x Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. ; 1X is earned for other purchases. **

The Business Gold Card earns Membership Rewards points at less than half the annual fee of the Business Platinum. The rewards program offers a lot more flexibility and focuses less on travel, making it more widely applicable to different business types. For the flagship rewards category, you can earn 4x points on your top two spending categories, on up to $150,000 in combined purchases (then 1x). The qualifying rewards categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases for shipping
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
4x
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1x
1X is earned for other purchases. **
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Business Gold Card earns Membership Rewards points at less than half the annual fee of the Business Platinum. The rewards program offers a lot more flexibility and focuses less on travel, making it more widely applicable to different business types. For the flagship rewards category, you can earn 4x points on your top two spending categories, on up to $150,000 in combined purchases (then 1x). The qualifying rewards categories include:

  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media (online, TV, radio)
  • U.S. purchases made directly from select technology providers of computer hardware, software and cloud solutions
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • U.S. purchases for shipping
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
4x
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1x
1X is earned for other purchases. **
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
American Express Blue Business Cash™ Card
Learn More
Cash back for small businesses American Express Blue Business Cash™ Card
7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
$250 Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
APR
17.99% – 25.99% Variable
Rewards rate
1% – 2% 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. ; 1% cash back on all eligible purchases after spending $50,000 per calendar year.

More akin to a consumer cash-back card, the American Express Blue Business Cash™ Card is a good option for a sole proprietorship or single-member limited liability company. There’s no annual fee and the rewards are relatively straightforward and applicable. If you average $1,000 in spending per month or more, you’ll likely be able to earn the welcome offer. Otherwise, this card doesn’t offer additional perks besides car rental loss and damage insurance**.

Intro Balance Transfer APR
N/A
Intro Purchase APR
0% on purchases for 12 months from date of account opening
Regular APR
17.99% – 25.99% Variable
2%
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.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

More akin to a consumer cash-back card, the American Express Blue Business Cash™ Card is a good option for a sole proprietorship or single-member limited liability company. There’s no annual fee and the rewards are relatively straightforward and applicable. If you average $1,000 in spending per month or more, you’ll likely be able to earn the welcome offer. Otherwise, this card doesn’t offer additional perks besides car rental loss and damage insurance**.

Intro Balance Transfer APR
N/A
Intro Purchase APR
0% on purchases for 12 months from date of account opening
Regular APR
17.99% – 25.99% Variable
2%
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.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
The Blue Business® Plus Credit Card from American Express
Learn More
An option for flights with no annual fee The Blue Business® Plus Credit Card from American Express
6/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
15,000 points 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.
Annual fee
No annual fee
APR
17.99% – 25.99% Variable
Rewards rate
1x – 2x 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

We don’t really recommend The Blue Business® Plus Credit Card from American Express when you can get the Blue Business Cash Card instead. The Blue Business Plus earns rewards in Membership Rewards points rather than giving you cash back, so the value and redemption is less flexible. The welcome offer value is also smaller than that of the Blue Business Cash, even if you redeem your rewards for flights through American Express Travel. It also comes with an extended warranty** and purchase protection** on eligible purchases.

Intro Balance Transfer APR
N/A
Intro Purchase APR
0% on purchases for 12 months from date of account opening
Regular APR
17.99% – 25.99% Variable
Balance Transfer Fee
N/A
2x
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
1x
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

We don’t really recommend The Blue Business® Plus Credit Card from American Express when you can get the Blue Business Cash Card instead. The Blue Business Plus earns rewards in Membership Rewards points rather than giving you cash back, so the value and redemption is less flexible. The welcome offer value is also smaller than that of the Blue Business Cash, even if you redeem your rewards for flights through American Express Travel. It also comes with an extended warranty** and purchase protection** on eligible purchases.

Intro Balance Transfer APR
N/A
Intro Purchase APR
0% on purchases for 12 months from date of account opening
Regular APR
17.99% – 25.99% Variable
Balance Transfer Fee
N/A
2x
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners
1x
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Business Green Rewards Card from American Express
Learn More
For domestic business travel Business Green Rewards Card from American Express
3.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
15,000 points Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $95
APR
18.99% – 26.99% Variable
Rewards rate
1x – 2x 2X points on flights and prepaid hotels booked on amextravel.com; Earn one Membership Rewards® point for each dollar you spend on eligible purchases

The Business Green Rewards Card from American Express* isn’t a great card for general business costs. The welcome offer and rewards are similar to the Blue Business Plus Credit Card, but with the added burden of a $95 annual fee after the first year’s introductory $0 fee. The one redeeming quality of this card is its combination of a few extras for travel which are unique to this card: car rental loss and damage insurance** paired with a baggage insurance plan**. However, there are foreign transaction fees which limit the use of travel perks while overseas.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
2x
2X points on flights and prepaid hotels booked on amextravel.com
1x
Earn one Membership Rewards® point for each dollar you spend on eligible purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Business Green Rewards Card from American Express* isn’t a great card for general business costs. The welcome offer and rewards are similar to the Blue Business Plus Credit Card, but with the added burden of a $95 annual fee after the first year’s introductory $0 fee. The one redeeming quality of this card is its combination of a few extras for travel which are unique to this card: car rental loss and damage insurance** paired with a baggage insurance plan**. However, there are foreign transaction fees which limit the use of travel perks while overseas.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
2x
2X points on flights and prepaid hotels booked on amextravel.com
1x
Earn one Membership Rewards® point for each dollar you spend on eligible purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
The Plum Card® from American Express
Learn More
For flexible payments for volatile cash flows The Plum Card® from American Express
3/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
No current offer
Annual fee
$250
APR
N/A
Rewards rate
1.5% Get a 1.5% discount when you pay early, with no cap on what you can earn back.

You’re buying a unique card proposition for the Plum Card’s $250 annual fee. There’s no traditional rewards program, welcome offer or introductory APR, but you can mold your card payments to the volatility of your cash flow. The Plum Card allows you to carry your balance interest-free for up to 60 days, or you can earn a 1.5% discount on any payments you make within 10 days of the statement closing date if you find yourself pretty liquid. There’s no preset spending limit with this card, either, so you can rest assured your large purchases should go through.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
N/A
Balance Transfer Fee
N/A
1.5%
Get a 1.5% discount when you pay early, with no cap on what you can earn back.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

You’re buying a unique card proposition for the Plum Card’s $250 annual fee. There’s no traditional rewards program, welcome offer or introductory APR, but you can mold your card payments to the volatility of your cash flow. The Plum Card allows you to carry your balance interest-free for up to 60 days, or you can earn a 1.5% discount on any payments you make within 10 days of the statement closing date if you find yourself pretty liquid. There’s no preset spending limit with this card, either, so you can rest assured your large purchases should go through.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
N/A
Balance Transfer Fee
N/A
1.5%
Get a 1.5% discount when you pay early, with no cap on what you can earn back.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Amazon Business Prime American Express Card
Learn More
For business expenses through Amazon Amazon Business Prime American Express Card
8.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
$100 statement credit Earn a $100 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
APR
18.99% – 26.99% Variable
Rewards rate
1% back – 5% back 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

To maximize your savings on Amazon purchases with the Amazon Business Prime American Express Card*, you’ll have to have a Business Prime membership. Business Prime memberships start at $69 a year and include fast and free delivery.

You get the option for financing or rewards on your Amazon Business, Whole Foods Market, AWS and Amazon.com -- this is good for office supplies, software services, stocking the company refrigerator and more. The rewards program is coupled with a few travel perks like no foreign transaction fees and a baggage insurance plan**, despite most of the rewards only applying in the United States.

For more information, see our full review of the Amazon Business Prime Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
5% back
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
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% back
1% Back on other purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

To maximize your savings on Amazon purchases with the Amazon Business Prime American Express Card*, you’ll have to have a Business Prime membership. Business Prime memberships start at $69 a year and include fast and free delivery.

You get the option for financing or rewards on your Amazon Business, Whole Foods Market, AWS and Amazon.com -- this is good for office supplies, software services, stocking the company refrigerator and more. The rewards program is coupled with a few travel perks like no foreign transaction fees and a baggage insurance plan**, despite most of the rewards only applying in the United States.

For more information, see our full review of the Amazon Business Prime Card.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
5% back
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
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% back
1% Back on other purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Amazon Business American Express Card
Learn More
For non-Business Prime members Amazon Business American Express Card
7.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
$100 Statement Credit Earn a $100 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
APR
18.99% – 26.99% Variable
Rewards rate
1% back – 3% back Choose 3% Back or 60 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. If you choose to earn rewards, you’ll 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

The Amazon Business American Express Card* is the equivalent credit card for businesses that don’t have a Business Prime membership. The tradeoff for not having to pay for membership is fewer rewards or shorter promotional financing on eligible Amazon purchases. And while most Amazon cards offer an Amazon gift card upon approval as a welcome bonus, you have to earn the Amazon Business Card’s welcome bonus just like most traditional credit cards -- by reaching a set spending threshold in a certain amount of time. You can earn a $100 statement credit after spending $3,000 in the first three months, which is a pretty small welcome offer when you compare it to other credit cards.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
3% back
Choose 3% Back or 60 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. If you choose to earn rewards, you’ll earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% back
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% back
1% Back on other purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Amazon Business American Express Card* is the equivalent credit card for businesses that don’t have a Business Prime membership. The tradeoff for not having to pay for membership is fewer rewards or shorter promotional financing on eligible Amazon purchases. And while most Amazon cards offer an Amazon gift card upon approval as a welcome bonus, you have to earn the Amazon Business Card’s welcome bonus just like most traditional credit cards -- by reaching a set spending threshold in a certain amount of time. You can earn a $100 statement credit after spending $3,000 in the first three months, which is a pretty small welcome offer when you compare it to other credit cards.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
18.99% – 26.99% Variable
Balance Transfer Fee
N/A
3% back
Choose 3% Back or 60 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market. If you choose to earn rewards, you’ll earn 3% Back on the first $120,000 in purchases each calendar year, 1% Back thereafter
2% back
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
1% back
1% Back on other purchases
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Delta SkyMiles® Platinum Business American Express Card
Learn More
For comfortable business travel on Delta Delta SkyMiles® Platinum Business American Express Card
7.25/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
95,000 miles Limited Time Offer: Earn 95,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
Annual fee
$250
APR
20.49% – 29.49% Variable
Rewards rate
1x – 3x Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.; Earn 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.; 1 Mile on every eligible dollar spent on other purchases.

You get a relatively modest rewards program and welcome offer when considering the annual fee, but the perks for the Delta SkyMiles® Platinum Business American Express Card are where the real value is at. You can take advantage of extra amenities for comfortable and efficient traveling -- saving you time and money. Some of these perks include Main Cabin 1 priority boarding, reduced fees to get into Delta SkyClubs for $50 per person a visit for you and up to two guests, statement credit for TSA Precheck (up to $85) or Global Entry (up to $100) and a slew of travel insurance coverage**.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
3x
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
1.5x
Earn 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.
1x
1 Mile on every eligible dollar spent on other purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

You get a relatively modest rewards program and welcome offer when considering the annual fee, but the perks for the Delta SkyMiles® Platinum Business American Express Card are where the real value is at. You can take advantage of extra amenities for comfortable and efficient traveling -- saving you time and money. Some of these perks include Main Cabin 1 priority boarding, reduced fees to get into Delta SkyClubs for $50 per person a visit for you and up to two guests, statement credit for TSA Precheck (up to $85) or Global Entry (up to $100) and a slew of travel insurance coverage**.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
3x
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
1.5x
Earn 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.
1x
1 Mile on every eligible dollar spent on other purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Delta SkyMiles® Gold Business American Express Card
Learn More
For Delta airlines and common business expenses Delta SkyMiles® Gold Business American Express Card
6.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
75,000 miles Limited Time Offer: Earn 75,000 Bonus Miles after spending $3,000 in purchases on your new Card in your first 3 months of Card Membership. Offer Ends 3/29/23.
Annual fee
$0 introductory annual fee for the first year, then $99
APR
20.49% – 29.49% Variable
Rewards rate
1x – 2x 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 purchases.

Unlike most airline credit cards, the Delta SkyMiles® Gold Business American Express Card may be a decent credit card for everyday business expenses in addition to travel costs thanks to the wide net it casts with its reward categories. The introductory $0 annual fee (followed by an annual $99 fee) and the relatively low spending threshold to earn the welcome offer (earn 75,000 bonus miles after you spend $3,000 in the first three months; limited time offer ends 3/29/23) make this an accessible airline card or everyday credit card for even small businesses or sole proprietors.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
2x
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.
1x
Earn 1 Mile on every eligible dollar spent on purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Unlike most airline credit cards, the Delta SkyMiles® Gold Business American Express Card may be a decent credit card for everyday business expenses in addition to travel costs thanks to the wide net it casts with its reward categories. The introductory $0 annual fee (followed by an annual $99 fee) and the relatively low spending threshold to earn the welcome offer (earn 75,000 bonus miles after you spend $3,000 in the first three months; limited time offer ends 3/29/23) make this an accessible airline card or everyday credit card for even small businesses or sole proprietors.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
2x
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.
1x
Earn 1 Mile on every eligible dollar spent on purchases.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Delta SkyMiles® Reserve Business American Express Card
Learn More
For airport lounge access when flying Delta Delta SkyMiles® Reserve Business American Express Card
8/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
Earn 100,000 Bonus Miles Limited Time Offer: Earn 100,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 3 months. Offer ends 3/29/23.
Annual fee
$550
APR
20.49% – 29.49% Variable
Rewards rate
1.5x – 3x Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.; 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.

The Delta SkyMiles® Reserve Business American Express Card is the best option for Delta frequent flyers who value airport lounges. With complimentary Delta Sky Club® access and access to The Centurion Lounge, you’ll have access to more comfortable accommodations while you await your flights. The rewards program and welcome offer aren’t as far off from that of the Delta SkyMiles Platinum Business card as you’d think for the Reserve charging over double the Platinum’s annual fee. The Reserve also affords you an annual Delta Reserve Annual Companion Certificate (taxes and fees of no more than $80 apply) and upgrade priority.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
3x
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
1.5x
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.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

The Delta SkyMiles® Reserve Business American Express Card is the best option for Delta frequent flyers who value airport lounges. With complimentary Delta Sky Club® access and access to The Centurion Lounge, you’ll have access to more comfortable accommodations while you await your flights. The rewards program and welcome offer aren’t as far off from that of the Delta SkyMiles Platinum Business card as you’d think for the Reserve charging over double the Platinum’s annual fee. The Reserve also affords you an annual Delta Reserve Annual Companion Certificate (taxes and fees of no more than $80 apply) and upgrade priority.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
3x
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
1.5x
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.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
The Hilton Honors American Express Business Card
Learn More
For frequent Hilton stays The Hilton Honors American Express Business Card
6.5/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
Earn 165,000 Points Limited Time Offer: Earn 165,000 Hilton Honors Bonus Points after you spend $5,000 in purchases on the Card within your first 3 Months of Card Membership. Offer ends 4/5/23
Annual fee
$95
APR
20.49% – 29.49% Variable
Rewards rate
3x – 12x 12X at hotels & resorts in the Hilton portfolio; 6X on Select Business & Travel Purchases; 3X on all other eligible purchases. Terms & Limitations Apply.

While the rewards program seems pretty lucrative at first glance, it’s important to keep in mind that Hilton Honors points -- the rewards currency of the Hilton Honors Business Card -- are only worth, according to CNET’s own testing, four-tenths of a cent ($0.004) each. The 12x points on Hilton stays, therefore, would be equivalent to a 4.8% return. When you spend $5,000 in purchases in the first three months, you earn 165,000 Hilton Honors points (Offer ends 4/5/2023). Applying the same logic, the points associated with this welcome offer have a value of roughly $660.

Another valuable perk with this card is 10 complimentary Priority Pass visits, so you can access more than 1,200 airport lounges worldwide. And if your business spends a lot of money on Hilton properties, you’ll also be able to earn extra rewards as you reach higher annual spending tiers.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
12x
12X at hotels & resorts in the Hilton portfolio
6x
6X on Select Business & Travel Purchases
3x
3X on all other eligible purchases. Terms & Limitations Apply.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

While the rewards program seems pretty lucrative at first glance, it’s important to keep in mind that Hilton Honors points -- the rewards currency of the Hilton Honors Business Card -- are only worth, according to CNET’s own testing, four-tenths of a cent ($0.004) each. The 12x points on Hilton stays, therefore, would be equivalent to a 4.8% return. When you spend $5,000 in purchases in the first three months, you earn 165,000 Hilton Honors points (Offer ends 4/5/2023). Applying the same logic, the points associated with this welcome offer have a value of roughly $660.

Another valuable perk with this card is 10 complimentary Priority Pass visits, so you can access more than 1,200 airport lounges worldwide. And if your business spends a lot of money on Hilton properties, you’ll also be able to earn extra rewards as you reach higher annual spending tiers.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
12x
12X at hotels & resorts in the Hilton portfolio
6x
6X on Select Business & Travel Purchases
3x
3X on all other eligible purchases. Terms & Limitations Apply.
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more
Lowe's Business Rewards Card from American Express
Learn More
For contractors and other related businesses Lowe’s Business Rewards Card from American Express
8/10 CNET Rating CNET rates credit cards by comparing their offers to those of their categorical competitors. Each card is individually evaluated through a formula which reflects the standards and expectations of the contemporary market. Credit card issuers have no say or influence in our ratings. How we rate credit cards
Quick Look
Intro Offer
$100 Get $100 cash back upon approval. Cash back is earned automatically as a statement credit.
Annual fee
$0
APR
20.49% – 29.49% Variable
Rewards rate
1% – 5% 5% Cash Back in the first 6 months on eligible purchases at Lowe’s. Earn 2% cash back thereafter. New accounts only.‡; 2% cash back At Lowe’s to reward yourself for shopping at Lowe’s stores or online at Lowes.com or LowesforPros.com‡; 2% Cash Back on Business Categories at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.‡; 1% cash back on other purchases made using your Lowe’s Business Rewards Card‡

Lowe’s Business Rewards Card from American Express* offers cash back both on Lowe’s purchases and everyday business expenses. But there are diminishing returns: While you earn 5% cash back on Lowe’s purchases for the first six months, you’ll only earn 2% back on Lowe’s purchases beyond that timeframe. The other part of this introductory offer includes a $100 statement credit upon approval.

The Lowe’s Business Rewards Card also affords you access to Lowe’s ProServices, which includes discounted delivery, bulk-rate pricing and the business replenishment program.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
5%
5% Cash Back in the first 6 months on eligible purchases at Lowe’s. Earn 2% cash back thereafter. New accounts only.‡
2%
2% cash back At Lowe’s to reward yourself for shopping at Lowe’s stores or online at Lowes.com or LowesforPros.com‡
2%
2% Cash Back on Business Categories at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.‡
1%
1% cash back on other purchases made using your Lowe’s Business Rewards Card‡
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Lowe’s Business Rewards Card from American Express* offers cash back both on Lowe’s purchases and everyday business expenses. But there are diminishing returns: While you earn 5% cash back on Lowe’s purchases for the first six months, you’ll only earn 2% back on Lowe’s purchases beyond that timeframe. The other part of this introductory offer includes a $100 statement credit upon approval.

The Lowe’s Business Rewards Card also affords you access to Lowe’s ProServices, which includes discounted delivery, bulk-rate pricing and the business replenishment program.

Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
20.49% – 29.49% Variable
Balance Transfer Fee
N/A
5%
5% Cash Back in the first 6 months on eligible purchases at Lowe’s. Earn 2% cash back thereafter. New accounts only.‡
2%
2% cash back At Lowe’s to reward yourself for shopping at Lowe’s stores or online at Lowes.com or LowesforPros.com‡
2%
2% Cash Back on Business Categories at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.‡
1%
1% cash back on other purchases made using your Lowe’s Business Rewards Card‡
Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Advantages of an American Express business card

American Express business cards offer some of the strongest card benefits -- particularly on its business travel cards -- provided you have the budget to afford an often-high annual fee.

Perks may include annual travel credits, loyalty programs with hotel brands, Global Entry or TSA PreCheck application fee credits, airport lounge access and more.

Who can get a business card?

As long as you’re a business owner, you can apply for a business credit card -- whether you’re self-employed, a corporate head or gig worker. Your personal credit is checked when applying for a business card, so you’ll just need to have high enough credit to be approved.

How to choose the right Amex business card for you

Consider your business needs and match them to an Amex offer. 

If you travel frequently, consider an Amex business travel card that makes airports less stressful and travel less expensive through point redemption options.If your business has high general expenses, consider an Amex business rewards credit card that offers a return on the purchases your business makes the most. Either way, make sure the annual fee works for your budget and that you’ll gain enough benefit to make it worthwhile. 

Amex vs. other business credit cards

American Express tends to have higher credit requirements than other issuers, but typically offers an impressive selection of additional perks in exchange for an annual fee. Other credit card issuers including Chase, Bank of America and Capital One offer business cards as well.

American Express also operates as a payment processor. That means the company both facilitates payments and decides who gets approved for credit cards. The other prominent payment processors are Visa, Mastercard and Discover.

How to apply for an American Express business card

When applying for a business card you’ll have to provide the issuer with more information than you would when applying for a consumer card.

You’ll need to fill out an application with your:

  • Business name, address and phone number
  • Industry
  • Number of years in business
  • Number of employees
  • Annual business revenue
  • Federal Tax ID: Your employer identification number (EIN) or your Social Security number (SSN).

FAQs

At the basic level, business credit cards offer business perks like spend management tools and employee cards while providing rewards for business-related expenses. They may also build business credit by reporting to business credit bureaus. Personal cards offer rewards for everyday spending like groceries and gas, while granting lower credit limits and requiring lower spending thresholds.

Amex has higher credit requirements than most credit card issuers. As such, it’s recommended you have a credit score of at least 670 to qualify.

You’ll have to check the individual offer of each business credit card. While many of them offer employee cards at no additional cost, others charge a small fee for each additional card on the account. Card issuers may also cap the amount of employee cards you can have on a single business account.

Corporate credit cards, also known as commercial credit cards, are designed for larger businesses -- typically those with 100 or more employees or an annual revenue of at least $10 million.

For rates and fees of The Business Platinum Card from American Express, click here.

For rates and fees of American Express Business Gold Card, click here.

For rates and fees of American Express Blue Business Cash Card, click here.

For rates and fees of The Blue Business Plus Credit Card from American Express, click here.

For rates and fees of The Plum Card from American Express, click here.

For rates and fees of Delta SkyMiles Platinum Business American Express Card, click here.

For rates and fees of Delta SkyMiles Gold Business American Express Card, click here.

For rates and fees of Delta SkyMiles Reserve Business American Express Card, click here.

For rates and fees of The Hilton Honors American Express Business Card, click here.

For rates and fees of the Marriott Bonvoy Business American Express Card, click here.

*All information about the Business Green Rewards Card from American Express, the Amazon Business Prime Card, the Amazon Business Card and Lowe’s Business Rewards Card has been collected independently by CNET and has not been reviewed by the issuer.

**Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.

The editorial content on this page is based solely on objective, independent assessments by our writers and is not influenced by advertising or partnerships. It has not been provided or commissioned by any third party. However, we may receive compensation when you click on links to products or services offered by our partners.

Jaclyn is a CNET Money editor who relishes the sweet spot between numbers and words. With responsibility for overseeing CNET's credit card coverage, she writes and edits news, reviews and advice. She has experience covering business, personal finance and economics, and previously managed contracts and investments as a real estate agent. Her tech interests include Tesla, SpaceX, The Boring Company and Neuralink.
Evan Zimmer has been writing about finance for years. After graduating with a journalism degree from SUNY Oswego, he wrote credit card content for Credit Card Insider (now Money Tips) before moving to ZDNET Finance to cover credit card, banking and blockchain news. He currently works with CNET Money to bring readers the most accurate and up-to-date financial information. Otherwise, you can find him reading, rock climbing, snowboarding and enjoying the outdoors.