Best American Express Business Cards

American Express Business Credit Cards

American Express® Business Gold Card: Best Overall Business Card

  • Customizable rewards based on your business needs
  • Good for business owners with fluctuating spending needs
  • No foreign transaction fee

As far as American Express business cards go, this one offers the most flexible yet competitive rewards program, something that will likely attract business owners who want to get big rewards on categories that actually matter to them. This is largely due to the customizable rewards program that lets you earn points back on two of your top spending categories.

Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. The points are retroactive and your categories change month-by-month based on a single billing cycle. For example, if your travel expenses are exceptionally high one month, you’ll be able to enjoy max rewards on those purchases. However, if it’s restaurant visits and client entertaining that accounts for the majority of your spending the next, the rewards program accommodates that change.  You won’t be locked into specific categories, which is often the case with other rewards programs. Categories include gas station, restaurant, airfare, shipping, advertising, and technology (software, hardware, etc.) purchases. 

All other purchases made with this American Express small business card are worth 1 point per dollar. Plus, if you use your points to book travel with Amex, then you’ll receive 25% points back. 

This card does come with a rather high annual fee — $295 — but with regular card use, the rewards can quickly outweigh the fee.  Plus, new members will also receive 1 Free Year of G Suite Basic and Zip Recruiter Standard, a total value of $3,188.

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The Business Platinum® Card from American Express: Best for Big Spenders

  • Great for business owners with significant travel expenses
  • Strong welcome bonus 
  • Annual airline fee credit 
  • High annual fee

The Business Platinum® Card from American Express often has one of the best welcome offers, and in many cases, the same is true for the rewards program. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year. Adding to the travel perks is an annual $200 airline fee credit, $100 hotel credit, Amex and Delta lounge access, and a statement credit for Global Entry or TSA Pre✔.  It’s easy to see how business owners with travel needs can leverage this card.

You can also get a $200 statement credit when you purchase computers and more directly with Dell as well as a year-long WeWork membership, which gives you access to their services at over 335 locations worldwide ($2,700 value) 

Cardholders who don’t do a lot of traveling will have a hard time validating the $595 annual fee — understandably so — but for those who do, the statement credits and rewards programs can certainly make it worth it.  Plus, though you must book through Amex Travel to get the most points rewards, you aren’t tethered to one airline or hotel group as you would be with a co-branded card. 

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The Blue Business® Plus Credit Card from American Express: Best Card for 0% APR

  • Great for earning rewards without paying an annual fee
  • 0% intro APR
  • No annual fee
  • Expanded Buying Power feature

With an introductory APR of 0% on purchases for 12 months and no annual fee, The Blue Business® Plus Credit Card from American Express is an attractive credit product for anyone. However, that’s especially true, especially for American Express small business customers who need a simple, no-hassle card.

With this card, you have the opportunity to finance big purchases for well over a year before you have to worry about interest kicking in. Plus, you can still take advantage of a rewards program without worrying about an annual fee, some of which can be pretty lofty. 

Speaking of rewards programs, The Blue Business® Plus Credit Card from American Express has you covered. 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.

Another feature that sets this card apart from some of the other American Express business cards is the Expanded Buying Power option. With this feature, you can make necessary purchases even if they exceed your credit limit without facing penalties.  You don’t have to apply for the expanded credit; simply make the purchase and pay off the credit limit surplus in the next billing cycle.

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The Plum Card® from American Express: Best for Financing

  • 60-day interest-free financing
  • 1.5% discount for early payment
  • Expanded Buying Power
  • High annual fee

Though this card isn’t brimming with rewards benefits and does come with a hefty annual fee, if you’re looking for a card that offers payment flexibility, The Plum Card® from American Express may be your answer.  

One of the primary benefits of this card is the 60-day, interest-free financing offer, which gives you 60 days to pay off activity from a single billing cycle before interest begins to accrue; all you have to do is pay 10% of the eligible purchases. In other words, you make a $1,500 purchase, all you have to do it pay $150 for the first billing cycle, carrying the remaining $1,350 to the next.

In addition, with the Plum card, you can choose your billing cycle, opting for the beginning, middle or end of the month — a great option to help you spread your expenses out over the course of the month.  

Further, this card, like the Blue Business Plus card offers the Expanded Buying Power feature, which allows you to temporarily exceed your existing credit limit. 

It’s also worth noting that there is a 1.5% discount when you make a payment within 10 days of the statement closing date. Though this isn’t marketed as a “reward,” it’s akin to a 1.5% cash back bonus. 

With a $250 annual fee, which is waived in the first year, this card won’t always pay off, but if you do need that extra time to pay, and the 0% interest and 1.5% discount works in your favor, you may find it outweighs the fee and helps you manage cash flow more efficiently.

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Platinum Delta SkyMiles® Business Credit Card from American Express: Best for Frequent Flyers

  • Great for Delta Loyalists
  • Annual companion certificate
  • Priority boarding
  • Relatively high annual fee.

While the Platinum Delta SkyMiles® Business Credit Card from American Express may be great for business owners who spend a lot on general travel, if you’re a frequent flyer and you like Delta, then you may want to consider one of the three Amex Delta business cards available to consumers, especially the Platinum Delta SkyMiles® Business Credit Card from American Express.

Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. This alone doesn’t make it the best card, but the travel perks certainly do.  With the Platinum Delta SkyMiles® Business Credit Card from American Express, you can earn a generous welcome offer. Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. And, in some cases, your benefits will extend to up to nine guests. 

Flying with the Platinum Delta SkyMiles® Business Credit Card from American Express will save you money and give you and your employees access to a lot of great travel perks. And though this card does have a $195 ($250 if application is received on or after 1/30/2020) annual fee, it’s easy to overlook with some of the perks, specifically the rewards miles, companion certificate, and bag-check waivers.

Amex Frequent Flyers Runner Up

If you’re a Delta loyalist, you may also want to check out these American Express Delta business cards:

Gold Delta SkyMiles® Business Credit Card from American Express

Like the Platinum Delta SkyMiles® Business Credit Card from American Express, this card offers miles per dollar on Delta purchases and a mile per dollar on all other purchases. Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. It also offers some of the same points, like priority boarding, a bag-check waiver, and inflight savings.  

Unlike the Delta Platinum, however, this card doesn’t offer an annual companion voucher or access to MQM bonuses.

Who is it good for? With a $0 introductory annual fee for the first year, then $95, this Delta Amex card is a good option for business owners who fly Delta enough to want the rewards and benefits without the high annual fee.  In other words, this may be a good supplemental travel rewards card.

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Delta Reserve for Business Credit Card

The Delta Reserve for Business Credit Card has the same basic rewards structure as the Amex Delta Gold and Platinum cards – and it also offers annual bonus miles and MQMs.

However, one of the primary differences between the Delta Reserve for Business Credit Card and the Platinum Delta SkyMiles® Business Credit Card from American Express, aside from slightly elevated bonus earning power, is Sky Club access.  

With the Delta Reserve for Business Credit Card, cardholders will receive complimentary access to the Delta Sky Club lounge, with the ability to bring along two guests at a discounted rate of $29 each. For cardholders that regularly fly Delta and want access to the SkyClub, then this card may worth the $450 ($550 if application is received on or after 1/30/2020) annual fee. If not, the Platinum Delta SkyMiles® Business Credit Card from American Express may be a better option.

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Marriott Bonvoy Business™ American Express® Card – Best for Hotel Stays

This year, the Starwoods Preferred Guest (SPG) Business card was replaced by the Marriott Bonvoy Business™ American Express® Card the result of a 2016 acquisition by Marriott of both SPG and Ritz Carlton properties. 

And while the SPG card will be phased out, many business owners may find the Marriott Bonvoy Business™ American Express® Card to a great addition to their wallet. 

Earn 6x points at participating Marriott Bonvoy hotels. 4x points at U.S. restaurants, 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.

Cardholders will be able to take advantage of an annual Free Night Award, complimentary Silver Elite Status, and credit for 15 nights a year towards the next Elite status level. In addition, there are no foreign transaction fees.

Though there is a $125 annual fee, many cardholders will find that this is easily wiped out by the annual free stay.  

If you’re a fan of Marriott, SPG, or Ritz Carlton hotels, or your just looking for a hotel rewards card with a lot of potential, this card can certainly fit the bill.

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Amex Best for Hotel Stays Runner Up

The thing about hotel cards is that it’s hard to select a “best of” when you factor in brand loyalty. For that reason, we thought it was also important to mention the Hilton Honors American Express Business card.

The Hilton Honors American Express Business Card

The thing about hotel cards is that it’s hard to select a “best of” when you factor in brand loyalty. For that reason, we thought it was also important to mention The Hilton Honors American Express Business Card

Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. If Hilton is your exclusive travel partner, this can be a great card to boost your earning power

Why wasn’t it number one?  The Marriott Bonvoy business card currently offers a bit more flexibility. With three different hotel brands under the parent company, there are a lot of options. In addition, the Marriott Bonvoy card also offers a bit more value when it comes to transferring points. 

For example, if you want to use your points to book a flight with Delta, 30,000 Marriott points will earn you 10,000 Delta miles, while 10,000 Hilton Honors points will only earn you 1,000 miles.

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With so many credit card options on the market today, American Express small business credit solutions shine through for a variety of reasons. Many of these cards offer highly competitive rewards programs and numerous small-business minded perks and benefits. 

However, the cards above aren’t the only Amex cards worth considering.  If you’re looking for an Amex small business card and the ones above don’t appeal to you, here are some additional ones worth considering. 

Some cards, like the American Express® Business Gold Card and the The Blue Business® Plus Credit Card from American Express, are designed for everyday use, while other cards, like The Plum Card® from American Express and the Platinum Delta SkyMiles® Business Credit Card from American Express, are designed to meet specific needs, like flexible payments or extensive travel perks. How do you decide which American Express business card is right for you?  Consider your needs and spending patterns and how they relate to potential rewards, annual fees, and welcome offers.