American Express Business Credit Cards
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.
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.