American Express Business Credit Cards

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.

The Blue Business℠ Plus Credit Card from American Express
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The Blue Business℠ Plus Credit Card from American Express

Limited Time Offer. Earn 10,000 extra Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. Offer ends 9/26/2018. Get rewarded for business as usual. Earn 2X 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*. More buying power for your business* means more opportunities to earn points. That’s everyday business with the new 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 15 months, then a variable rate, currently 12.99%, 16.99% or 20.99%, based on your creditworthiness and other factors as determined at the time of account opening. No Annual Fee. Terms Apply.
SimplyCash® Plus Business Credit Card from American Express
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SimplyCash® Plus Business Credit Card from American Express

Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 13.99% - 20.99%. No annual fee. Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business. Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores. Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases. With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too. *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.
The Business Platinum® Card from American Express OPEN
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The Business Platinum® Card from American Express OPEN

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. You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel. You can enjoy access to The American Express Global Lounge CollectionSM offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017. Terms Apply.
The Business Gold Rewards Card from American Express OPEN
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The Business Gold Rewards Card from American Express OPEN

Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership. Get 3x points - Choose 1 out of 5 categories. Plus, 2X points on the 4 remaining categories and 1X points on other purchases. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter. Track, organize, and stay on top of your business expenses with powerful expense-tracking tools. No foreign transaction fees. $0 introductory annual fee for the first year, then $175. Terms and limitations apply.
Business Green Rewards Card from American Express OPEN
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Business Green Rewards Card from American Express OPEN

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.
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 60,000 bonus miles after you make $3,000 in purchases on your new Card within your first 4 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 MQMs after you spend $3,000 in purchases with your new Card in the 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. Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit. Pay no foreign transaction fees when you spend overseas.‡ Complimentary Delta Sky Club® Access.‡ Terms and limitations apply.
The Plum Card® from American Express OPEN
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The Plum Card® from American Express OPEN

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. Unlock new opportunities with a spending limit that can grow with your business. Additional Employee Cards at no annual fee – and an early pay discount on employee spending. 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 100,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases 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.
Starwood Preferred Guest® Business Credit Card from American Express
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Starwood Preferred Guest® Business Credit Card from American Express

Earn 100,000 bonus points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 10/31/2018. Earn 6 points for each dollar of eligible purchases at over 6,500 participating SPG® and Marriott Rewards® hotels across 110 countries worldwide. Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases. Receive 1 Free Night Award every year after your Card account anniversary. Select hotels have resort fees. Enjoy complimentary Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Gold Elite status through the end of the next calendar year. No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95. 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 70,000 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. Check your first bag for free and save up to $50 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. No Foreign Transaction Fees. Terms and limitations apply.
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