American Express Business Credit Cards

Advertiser & Editorial Disclosure

Advertiser & Editorial Disclosure

American Express is the leading issuer of small business credit cards in the United States. Their long list of available cards has something for everyone—but which American Express business credit card is right for you?

Here, we’ll try to help you answer that. The small business services division of American Express is known as American Express OPEN. The number of cards and different reward structures offered by AmEx for small business is impressive—but before you dive into the list below of AmEx OPEN cards, keep in mind that there’s no one American Express business credit card is right for every business—they offer travel cards, cash rewards cards, charge cards, some have hefty fees, and some have low APR. Consider what’s best for your business before you apply.

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American Express Business Credit Cards Overview

AmEx OPEN Card Good for… Downsides
The Blue Business Plus Credit Card Balance transfers No bonus offer
SimplyCash Plus Business Credit Card Cash back, expanded buying power Excellent credit needed
The Business Platinum Card Frequent travellers Annual fee
The Business Gold Rewards Card Controlling spending (charge card), earning points Annual fee
Business Green Rewards Card Controlling spending (charge card) Annual fee
Gold Delta SkyMiles Business Credit Card Delta frequent flyers Annual fee, limited rewards usage
Delta Reserve for Business Delta frequent flyers Annual fee
The Plum Card Extended interest grace period Annual fee
The Hilton Honors Business Card Hilton Honors members Higher interest rate
Starwood Preferred Guest Business Credit Card Frequent SPG and Marriott hotel visitors Annual fee
Platinum Delta SkyMiles Business Credit Card Delta frequent flyers Annual fee

Will American Express business credit cards affect my credit scores?

American Express OPEN reports both positive and negative payment history to the Small Business Financial Exchange (SBFE), and negative information is also reported to Dun & Bradstreet. Your payment history could also affect your personal credit scores if your accounts are delinquent.

American Express® Blue Business Cash Card
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American Express® Blue Business Cash Card

Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement. From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power§. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors. 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49%, or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening. No Annual Fee. Terms Apply.
The Blue Business℠ Plus Credit Card from American Express
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The Blue Business℠ Plus Credit Card from American Express

Get rewarded for business as usual. 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. Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*. You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power. More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card. *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. 0.0% intro APR on purchases and balance transfers for 12 months, then a variable rate, 15.49%, 18.49% or 21.49%, based on your creditworthiness and other factors as determined at the time of account opening. Terms Apply.
The Business Platinum® Card from American Express
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The Business Platinum® Card from American Express

Welcome Offer: Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership. 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. 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year. Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply. Get one year of Platinum Global Access from WeWork. With this membership, you can access 300+ premium, inspiring workspaces in 75+ cities. To get this exclusive offer, enroll between 2/15/2019 and 12/31/2019. Terms Apply.
American Express® Business Gold Card
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American Express® Business Gold Card

Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.* MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**. **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.* AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.* EXCLUSIVE OFFERS: Get up to 1 year free on subscriptions to both G Suite Basic for up to 3 users and ZipRecruiter Standard, a combined value up to $3,200.* PAY OVER TIME OPTION: A flexible payment option to help manage cash flow on purchases of $100 or more.* EXPENSE MANAGEMENT TOOLS: Connect to Quickbooks, access SpendManagerSM, receive a Year-End Summary, and more.* *Terms Apply.
Business Green Rewards Card from American Express
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Business Green Rewards Card from American Express

Earn 5,000 Membership Rewards® points after your first purchase on the Card. Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website. Earn one Membership Rewards® point for each dollar you spend on eligible purchases. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment. $0 introductory annual fee for the first year, then $95. Terms & Limitations Apply.
Marriott Bonvoy Business™ American Express® Card
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Marriott Bonvoy Business™ American Express® Card

Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months. 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. Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees. Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year. Terms apply.
Lowe’s Business Rewards Card from American Express
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Lowe’s Business Rewards Card from American Express

Get $100 Cash Back upon approval. 3X points at US restaurants, US office supply stores and on wireless telephone services purchased directly from U.S. service providers, 2X points at Lowe's, 1X points on other purchases. Get points you can redeem for gift cards to use toward business expenses. Plus, get 5% Off from Lowe’s on eligible Lowe’s Purchases. Plus, enjoy a 0% introductory APR for 6 months on purchases. After that, your APR will be 17.99% - 26.99% based on your creditworthiness and other factors as determined at the time of account opening. Terms Apply.
Amazon Business Prime American Express Card
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Amazon Business Prime American Express Card

Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card. Take advantage of 5% Back or 90 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market with an eligible Prime membership. 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases. $0 Annual Fee. Back your business with a broad product selection on Amazon and Amazon Business, and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you. With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at  Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement. Terms apply.
Gold Delta SkyMiles® Business Credit Card from American Express
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Gold Delta SkyMiles® Business Credit Card from American Express

Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card in your first 3 months. Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card. Pay no foreign transaction fees when you spend overseas. $0 introductory annual fee for the first year, then $95. Terms and limitations apply.
Delta Reserve for Business Credit Card
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Delta Reserve for Business Credit Card

Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year. Earn 2 miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Find room for your carry-on and settle into your seat sooner with Main Cabin 1 Priority Boarding. Pay no foreign transaction fees when you spend overseas. Enter Delta Sky Club® at no cost and bring up to two guests for an exclusive rate of $29 per person per visit. Terms and limitations apply.
Amazon Business American Express Card
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Amazon Business American Express Card

Get a $100 Amazon.com Gift Card upon approval for the Amazon Business American Express Card. Take advantage of 3% Back or 60 Day Terms on U.S purchases at Amazon.com, Amazon Business, AWS and Whole Foods Market. 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases. $0 Annual Fee. Back your business with a broad product selection on Amazon and Amazon Business, and the service of American Express. Stay focused on your top business priorities, knowing we’re behind you. With rewards that don’t expire, you choose when to redeem. Redeem rewards on millions of items during checkout at  Amazon.com and Amazon Business (U.S.) or apply towards a purchase on your statement. Terms apply.
The Plum Card® from American Express
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The Plum Card® from American Express

Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back. Take up to 60 days to pay with no interest, if you pay your minimum due. Use the power of the Plum Card to buy big for your business. No Foreign Transaction Fees. Introductory annual fee of $0 for the first year, then $250. Terms & Restrictions Apply.
The Hilton Honors American Express Business Card
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The Hilton Honors American Express Business Card

Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership. Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply. Enjoy complimentary Gold Status with your Hilton Honors Business Card. Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year. Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year. Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries. Terms apply.
Platinum Delta SkyMiles® Business Credit Card from American Express
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Platinum Delta SkyMiles® Business Credit Card from American Express

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. Check your first bag for free and save up to $60 on a round trip Delta flight. Settle into your seat sooner with Priority Boarding. Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card. Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire. Terms and limitations apply.
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