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.

View all cards

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.

SimplyCash® Plus Business Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

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 14.49% - 21.49%. 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 Blue Business℠ Plus Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

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 15 months, then a variable rate, 13.49%, 17.49% 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
American Express is a Nav Partner
Terms, Rates & Fees

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
American Express is a Nav Partner
Terms, Rates & Fees

American Express® Business Gold Card

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 $3,188.* 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.* Add EMPLOYEE CARDS with a no annual fee option. Earn rewards on employee purchases and track employee expenses with spending limits, alerts, and summary reports.* *Terms Apply.
Business Green Rewards Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

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
American Express is a Nav Partner
Terms, Rates & Fees

Marriott Bonvoy Business™ American Express® Card

Limited Time Offer: Earn 100,000 bonus Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within the first 3 months. Offer ends 04/24/2019. 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. Award 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.
Gold Delta SkyMiles® Business Credit Card from American Express
American Express is a Nav Partner
Terms, Rates & Fees

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 within 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. 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. $0 introductory annual fee for the first year, then $95. Terms and limitations apply.
Delta Reserve for Business Credit Card
American Express is a Nav Partner
Terms, Rates & Fees

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 with 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.
The Plum Card® from American Express
American Express is a Nav Partner
Terms, Rates & Fees

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. 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
American Express is a Nav Partner
Terms, Rates & Fees

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 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
American Express is a Nav Partner
Terms, Rates & Fees

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 $50 on a round trip Delta flight. Find room for your carry-on and settle into your seat sooner with Main Cabin 1 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.
Search All Business Credit Cards