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Best American Express Business Cards of 2024

American Express offers multiple business credit cards, giving you a tremendous amount of flexibility.

These cards tend to have higher limits than the personal credit cards offered by American Express, and they give you better rewards on advertising, shipping, and other business spending categories. As a bonus, Amex business cards also help you build credit for your company.

To help you choose the best card for your needs, we did an in-depth review of various American Express business credit cards.

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Best for Simple Cash Back

American Express Blue Business Cash? Card

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Up to 2% Reward Rate

Earn 2% cash back on up to $50,000 in combined purchases each year (then 1%).

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Annual Fee
$0
Welcome Offer
$250
Regular APR
18.49% to 26.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The American Express Blue Business Cash? Card gives simple cash back without yearly fees, making it a perfect option for small business owners who don’t spend big in the specific reward categories some other cards have.
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Card Details

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  • 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • You’ve got the power to spend beyond your 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.
  • Terms Apply.
Pros
  • No annual fee
  • High rewards rate
  • Simple cash back structure
Cons
  • Spending cap for 2% rewards
  • Requires good to excellent credit
  • Limited redemption options
Bottom Line

This is a good option for businesses looking to earn simple cash back rewards, but other cards may provide higher value for big spenders.

Best for Simple Points Earning

The Blue Business? Plus Credit Card from American Express

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Up to 2X Reward Rate

Earn 2X Membership Rewards? points on everyday business expenses up to $50,000 per year (then 1X points).

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Annual Fee
$0
Welcome Offer
15,000 points
Regular APR
18.49% to 26.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
If you’re a small business owner looking to earn flat-rate points on your purchases, consider The Blue Business? Plus Credit Card from American Express. It works much like The American Express Blue Business Cash? Card, except it earns Membership Rewards? points rather than cash back.
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Card Details

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  • 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
  • You’ve got the power to spend beyond your 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.
  • Terms Apply.
Pros
  • No annual fee
  • High rewards rate
  • Earns Membership Rewards points for more flexible redemption options
Cons
  • Spending cap for 2X rewards
  • Requires good to excellent credit
  • Large spending requirement for welcome bonus
Bottom Line

This is a good option for businesses looking to earn simple, flexible rewards, but other cards may provide higher value for big spenders.

Best for Spending Categories

American Express? Business Gold Card

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Up to 4X Reward Rate

Earn 4X Membership Rewards? points (up to the first $150,000 in purchases per year, then 1X points) on 2 categories where your business spends the most each billing cycle and 1X points on other eligible purchases.

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Annual Fee
$375
Welcome Offer
70,000 points
Regular APR
19.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
We like the American Express? Business Gold Card because it lets cardholders earn 4X points in categories where they spend the most. It also offers various business-centric perks, helping to justify the annual fee.
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Card Details

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  • Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
  • Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
  • Your Card – Your Choice. Choose from Gold or Rose Gold.
Pros
  • Earns Membership Rewards points for flexible redemption options
  • 4X points categories adapt to your spending automatically each billing cycle
  • Generous welcome offer
Cons
  • High annual fee
  • Spending cap of $150,000 annually for 4X rate
  • High spending requirement for welcome offer
Bottom Line

The automatically adjusting bonus categories give this card tremendous reward potential, but you’ll need to spend a pretty penny to make up for the annual fee.

Best for Premium Travel Rewards

The Business Platinum Card? from American Express

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Up to 5X Reward Rate

Earn 5 Membership Rewards? points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible business expenses and purchases of $5,000+ (up to $2 million yearly), and 1 point per dollar on other eligible purchases.

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Annual Fee
$695
Welcome Offer
150,000 points
Regular APR
19.49% to 28.49% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Business Platinum Card? from American Express is a great pick for business owners who want to earn valuable travel rewards on their business spending. Though it has a high annual fee, perks like airport lounge access and statement credits can easily make up for the cost if you use them fully.
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Card Details

More Card Info

  • Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card?. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card?, here.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
  • $189 CLEAR? Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR? Plus Membership (subject to auto-renewal) when you use the Business Platinum Card?.
  • The American Express Global Lounge Collection? can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
  • Terms Apply.
Pros
  • Excellent welcome offer
  • Easy to earn points
  • Great travel benefits
Cons
  • No intro APR offer
  • Hefty $695 annual fee
  • High spending requirement for welcome offer
Bottom Line

The annual fee certainly has a shock factor but for the premium business traveler, this card’s luxury perks could make it well worth it.

Best for Hotel Rewards

The Hilton Honors American Express Business Card

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Up to 12X Reward Rate

Earn 12X points on eligible Hilton purchases, 6X points on eligible business spending at U.S. gas stations and U.S. restaurants, 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 3X-5X points on all other eligible purchases.

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Annual Fee
$195
Welcome Offer
130,000 points
Regular APR
20.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The Hilton Honors American Express Business Card is a high-end business hotel credit card that can provide outstanding, ongoing rewards to elite-status Hilton fans, for a low annual fee.
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Card Details

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  • Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
  • Enjoy complimentary Hilton Honors? Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
  • You may receive an upgrade to Hilton Honors Diamond status through the end of the calendar year if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
  • Enjoy complimentary National Car Rental? Emerald Club Executive? status. Enrollment in the complimentary Emerald Club? program is required. Terms apply.
  • Terms apply.
Pros
  • Automatic Hilton Gold status
  • 10 airport lounge visits each year with Priority Pass (enrollment required)
  • Ability to earn a free night with enough spending
Cons
  • Can only redeem points at Hilton hotels
  • Need good or excellent credit to qualify
  • No complimentary free night
Bottom Line

This card offers solid Hilton rewards and travel perks for a low annual fee, but no Free Night Award. Instead, it offers 10 free airport lounge visits per year, which is unusual but not unwelcome.

Best for premium Delta rewards

Delta SkyMiles Reserve Business American Express Card?

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Up to 3X Reward Rate

Earn 3X miles on all Delta purchases and 1X miles on everything else. If you spend $150,000 in a calendar year, you’ll earn 1.5X miles per dollar on non-Delta purchases for the rest of the year.

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Annual Fee
$650
Welcome Offer
LTO: 110,000 miles
Regular APR
20.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
While the Delta SkyMiles? Reserve Business American Express Card has a hefty annual fee, its complimentary airport lounge access and annual companion ticket can easily make it worthwhile for the loyal Delta business traveler.
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Card Details

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  • Enjoy a Companion Certificate each year after renewal of your Delta SkyMiles? Platinum Business American Express Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
  • Get closer to elevated Status next Medallion? Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles? Platinum Business American Express Card.
  • Delta SkyMiles? Platinum Business American Express Card Members save 15% when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
  • With the $120 Resy Credit, earn up to $10 per month in statement credits on eligible Resy purchases using your enrolled Card.
  • Earn up to $10 back each month after using your enrolled Delta SkyMiles? Platinum Business American Express Card for U.S. rideshare purchases with select providers.
  • Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members.
  • Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
  • Elevate your travel experience with an annual statement credit of up to $200 after using your Delta SkyMiles? Platinum Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
  • Terms Apply.
Pros
  • Complimentary access to Delta Sky Clubs & Amex Centurion Lounges
  • Annual Companion Certificate, good for one ticket in the same class you’re in
  • Very generous welcome offer
Cons
  • High annual fee ($650)
  • Low rewards rate on non-Delta spending categories
  • Requires good to excellent credit

Best for Marriott loyalists

Marriott Bonvoy Business? American Express? Card

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Up to 6X Reward Rate

Earn 6X points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy? program, 4X points at restaurants worldwide, at U.S. gas stations, on U.S. wireless telephone services purchased directly, and on U.S. shipping purchases, and 2X points on all other eligible purchases.

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Annual Fee
$125
Welcome Offer
LTO: 5 Free Night Awards
Regular APR
20.99% to 29.99% variable
Recommended Credit
Good/Excellent (670 - 850)
Why we like it
The manageable annual fee of the Marriott Bonvoy Business? American Express? Card coupled with its generous benefits like complimentary Gold Elite status and a huge welcome offer make this card a great option for Marriott loyalists.
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Card Details

More card info

  • Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy? member & a Marriott Bonvoy Business? American Express? Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
  • 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. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy? points) at hotels participating in Marriott Bonvoy?. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business? American Express? Card.
  • Terms apply.
Pros
  • Earn a free night award annually
  • Automatic elite status
  • Generous welcome offer
Cons
  • Has an annual fee
  • Limited redemption options

Comparing the best Amex business cards

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Card name
Best for
Annual fee
Reward rate
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Best Amex Business cards: Editorial reviews and reward details

American Express Blue Business Cash? Card

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No annual fee, check. Solid reward rate on all eligible purchases, check. Intro APR offer, check. The American Express Blue Business Cash? Card is a good option for small businesses that don’t spend a ton each year and don’t want to keep track of reward categories.

Earning rewards:

  • 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%

The Blue Business? Plus Credit Card from American Express

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The Blue Business Plus has a simple reward structure, bypassing the need to navigate complicated spending categories. Its lack of an annual fee also means there’s no expense to “make up for.”

Earning rewards:

  • 2 Membership Rewards points per dollar on eligible business purchases up to the first $50,000 spent per year, then 1 point

American Express? Business Gold Card

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The Business Gold Card gives you 4 points per dollar spent on your top two spending categories each billing cycle. Your rewards automatically adjust so you’re earning the most points possible without having to activate categories or track your expenses. It does have a hefty annual fee, but that could be well worth it for the right person.

These are the categories you can earn 4X points in:

  • Purchases at U.S. media providers for digital, radio and/or television advertising
  • U.S. purchases from electronic goods retailers and software/cloud system providers
  • U.S. gas stations
  • U.S. restaurants (delivery/takeout included)
  • Transit purchases (incl. trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways)
  • Monthly service charges from wireless telephone providers in the U.S.

You also earn 1X points on other eligible purchases.

The Business Platinum Card? from American Express

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The Amex Business Platinum Card has a hefty annual fee but is packed with valuable perks in exchange— over $1,500 worth of statement credits, airport lounge access, a massive welcome offer, and more. If you can fully utilize these perks, it could easily be worth the cost.

Earning rewards:

  • 5 points per dollar spent on flights and prepaid hotels booked through American Express Travel
  • 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and 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
  • 1 point per dollar on other eligible purchases

The Hilton Honors American Express Business Card

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If you prefer to stay at Hilton hotels when traveling for business, The Hilton Honors American Express Business Card could make a valuable asset. This card offers generous perks like complimentary Hilton Gold status, 10 Priority Pass lounge visits, statement credits, and a valuable welcome offer.

Earning rewards:

  • 12 Hilton Honors Bonus Points per dollar on eligible purchases at participating hotels and resorts within the Hilton portfolio
  • 5 Hilton Honors Bonus Points per dollar spent on the first $100,000 in purchases each calendar year, then 3 points

Delta SkyMiles Reserve Business American Express Card?

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For frequent business travelers who choose Delta as their preferred airline, the Delta SkyMiles? Reserve Business American Express Card is full of valuable benefits to offset the astronomical $650 annual fee. Cardholders can benefit from airport lounge access, an annual companion certificate, various statement credits, free checked bags, priority boarding and more. The reward-earning capacity isn’t anything to write home about, though.

Earning rewards:

  • 3 miles per dollar on eligible purchases made directly with Delta
  • 1.5 miles per dollar on eligible transit, U.S. shipping and U.S. office supply store purchases
  • 1 mile per dollar on all other eligible purchases. After spending $150,000 in a calendar year, earn 1.5 miles per dollar on eligible purchases the rest of the year.

Marriott Bonvoy Business? American Express? Card

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If you like to stay with Marriott when taking business trips, the Marriott Bonvoy Business? American Express? Card is a solid option. With perks like complimentary Gold Elite status, an annual free night, and a valuable welcome offer, this card’s $125 annual fee is easily justifiable.

Earning rewards:

  • 6 points per dollar on eligible purchases at hotels participating in the Marriott Bonvoy? program
  • 4 points per dollar 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
  • 2 points per dollar on all other eligible purchases

Who should get an American Express business card?

Amex offers cards for every spending profile, from high-spending frequent travelers to startup businesses. An American Express Business Card may be a good option for:

?? See more: Best Business Credit Cards

Pros and cons of American Express business cards

Pros
  • Generous rewards and welcome offers. It’s easy to earn rewards on Amex business cards, with high-earning categories and valuable welcome offers for high enough spenders.
  • Valuable perks and protections. Some Amex business cards have perks like airport lounge access or statement credits. Many cards also have benefits like purchase protection and travel insurance.
  • Business tools. High purchasing power, free employee cards, QuickBooks integration, and more can help you effectively manage your business.
Cons
  • High annual fees. Some of the best American Express business cards have high annual fees, meaning there’s a yearly cost to offset through benefits and rewards.
  • High interest rates. If you tend to carry a balance, you’ll be subject to very high interest rates.
  • Caps on rewards. Some cards have caps on their reward-earning categories, so if you spend beyond the cap, you’ll have to deal with a subpar reward rate until the end of the year.

American Express business card benefits

Amex business card benefits vary based on the card you have, but some perks you may have include:

*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.

Tips for choosing an Amex business credit card

  1. Look at your spending. Do you spend a lot on travel, transit, or restaurant purchases, or does your spending vary a lot? Are you loyal to one specific airline or hotel brand? The best Amex business card for you will have reward-earning categories that align with your spending habits.
  2. Consider the annual fee. Some business credit cards have high annual fees. If you’re just starting out, you may want to choose a card that has a lower fee. Conversely, if you’re well-established and want to maximize your travel benefits, choosing a card with a higher annual fee may work in your favor.
  3. Read the fine print carefully. Note the regular APR, penalty APR, and annual fee to determine which card is the best fit for your company.?
  4. Look at the rest of the perks. Amex business cards have some of the best benefits out there, with business-centric perks, airport lounge access, statement credits, and more. Look at these perks carefully and decide whether you can utilize and benefit from them.

Applying for an American Express business credit card

Amex only issues its business credit cards to customers with good to excellent credit.

Although it’s possible to qualify with a FICO score of 690, aim to have at least a 700 before you apply. Whether you own a small business or manage a company with several employees, you should also have plenty of income to cover your purchases.

Be prepared to provide the following information when you apply for a credit card through Amex:

Because Amex has stringent credit requirements, it’s a little more difficult to get approved for an Amex credit card than it is to qualify for the cards offered by many other issuers.

?? See: Best Chase Business Cards or Best Capital One Business Cards

How to apply for a credit card offered by Amex

To apply for a credit card, follow these steps:

  1. Compare credit cards based on their annual fees, welcome offers, and perks.
  2. Pick a credit card that matches your needs.
  3. Fill out the application.
  4. Review the terms of service.
  5. Submit your application.

It can take up to 14 days for Amex to approve or deny your application.

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.

Amex business card FAQs

What credit score is required for an American Express business card?

Amex doesn’t publish minimum credit requirements, but based on reports from approved applicants, you should have at least a 690 before you apply — even higher, if possible. If you’re not sure what yours is, take a look at our guide on how to check your credit score.

How much is the American Express business card limit?

The limit on your Amex business card depends on your income, credit history, and other factors. You may qualify for as little as $1,000 or as much as $20,000 based on your unique circumstances. It also may be possible to increase your credit limit down the line.

Is it hard to get an American Express business card?

American Express has some of the most stringent application requirements, so it’s somewhat difficult to get an Amex business card.

How many Amex business credit cards can I have?

You can have up to five personal and business Amex cards open at any given time, in any combination. For example, you can have three business credit cards and two personal cards.

Is an American Express business card worth it?

Whether you own a small business or work for a large company, a credit card from Amex makes it easier to pay for business expenses without putting your personal credit on the line. Each card comes with so many perks that it’s well worth paying the annual fee to keep your account open.

Does an American Express business card build business credit?

If your small business is a?distinct legal entity, you can use a credit card from Amex to build business credit. Creating a limited liability company, S-corporation or other entity separates your business finances from your personal finances, allowing you to build a business credit profile.

What types of businesses can get an Amex business card?

You don’t need millions of dollars in revenue to qualify for an Amex business credit card.

Amex has credit cards for small businesses, mid-sized businesses, and corporations. If you have a?good credit score, you may qualify for a business credit card as a?gig worker or freelancer.

Just be aware of the annual fee for each credit card. A credit card with a high annual fee may not be a good fit for a sole proprietorship or a start-up that doesn’t have much revenue yet.

American Express is more than just a credit card issuer

The first step in growing and maintaining consistent savings is to understand your personal finances through checking and savings accounts, credit cards, and more.

If you want to save and grow your money, consider the following Amex products:

About the Author

Leigh Morgan
Leigh Morgan Personal Finance

Leigh Morgan is a seasoned personal finance contributor with over 15 years of experience writing on a diverse range of professional legal and financial topics. She specializes in subjects like navigating the complexities of insurance, savings, zero-based budgeting and emergency fund development.

In the last five years, she’s authored over 300 articles for credit unions, digital banks, and financial professionals. Morgan is also the author of “77 Tips for Preventing Elder Financial Abuse,” a book focused on helping caregivers protect the elderly from financial scams.

In addition to her writing skills, she brings real-world financial acumen thanks to her previous experience managing rental properties as part of a $34 million real estate portfolio.

* Opinions expressed here are those of the LA Times Compare Cards Team and have not been reviewed or approved by any advertiser or entities included within this content. See our editorial policy for more details.

All products or services are presented in this content without warranty. The information, including card details such as rates and fees, is accurate at the time of publish. Please visit each bank's website directly for the most current information.

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