Best American Express Business Credit Cards
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American Express credit cards are known for their rewards, benefits, and excellent customer service. Its business credit cards are no different. Amex offers a wide variety of its own branded cards and co-branded cards with airline and hotel travel partners. Here we share the best American Express business credit cards, highlight our favorite ones, and compare them to alternatives.
Side-by-Side Comparison of American Express Business Credit Cards
Business Card
Allcards
Rating
Annual Fee
Reward Range
Welcome
Offer
More Details
Our Rating: 4.5
$695
1x to 5x Points
Earn 150,000 Membership Rewards® points
Our Rating: 4.5
$375
1x – 4x points
Earn 100,000 Membership Rewards® points
Our Rating: 4.5
No annual fee
1x – 2x
Earn 15,000 Membership Rewards® points
Our Rating: 4.6
No annual fee
1% – 2%
Earn a $250 statement credit
Our Rating: 4.4
$125
2x to 6x points
Earn 5 Free Night Awards,
Our Rating: 4.3
$195
3x to 12x points
Earn 175,000 Hilton Honors Bonus Points
Our Rating: 4.6
$0 introductory annual fee for the first year, then $150
1x – 2x miles
Earn 90,000 Bonus Miles
Our Rating: 4.6
$350
1x – 3x miles
Earn 100,000 Bonus Miles
Our Rating: 4.2
$650
1X to 3X Miles
Earn 110,000 Bonus Miles
Our Rating: 4.0
No annual fee
1% to 5%
Eligible Prime Members get a $125 Amazon Gift Card
3 Best American Express Business Credit Cards
The best credit card for any business will depend on how the company spends money. At the same time, some business Amex cards appeal to a wide range of owners. Here are the three best based on our analysis of the American Express family of business cards.
The Business Platinum Card from American Express
The Business Platinum Card® from American Express offers a range of rewards, credits, and benefits for small business owners. With an array of travel benefits, such as airport lounge access and airline fee credits, the card provides convenient and cost-saving options for frequent business travelers. Additionally, the rewards program allows for earning significant points on business purchases, which can be redeemed for various travel and business expenses. Despite the high annual fee, the card’s perks make it a worthwhile investment for entrepreneurs.
The Business Platinum Card® from American Express
Welcome Offer
Earn 150,000 Membership Rewards® points (Terms Apply)
Est. Value
Up to $3,000
Annual Fee
$695
APR
18.99% – 27.99% Variable
Credit Req’d
Excellent, Good
Rewards: Earn 5x points on flights and hotels booked on AmexTravel.com and 1x points on other eligible purchases. Earn 1.5x points on eligible purchases at U.S. construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
American Express Business Gold Card
The American Express® Business Gold Card offers excellent rewards, credits, and benefits that make it a sold choice for small business owners. With this card, entrepreneurs can earn generous rewards on various business expenses, including office supplies, advertising, and airfare. Additionally, the card provides statement credits for eligible purchases, access to premium business benefits, and a robust suite of expense management tools.
Our Rating: 4.5
American Express® Business Gold Card
Welcome Offer (Terms Apply)
Earn 100,000 Membership Rewards® points
Est. Value
Up to $2,000
Annual Fee
$375
APR
18.99% – 27.99% Variable
Credit Req’d
Excellent, Good
Rewards: Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. 1X points for other eligible purchases.
Blue Business Plus
The Blue Business Plus Credit Card from American Express is an excellent choice for small business owners. With its rewards program, entrepreneurs can earn points on their business expenses, allowing them to maximize their spending. The card also offers valuable benefits such as purchase protection and extended warranty coverage, providing peace of mind for business owners (terms apply). Additionally, the Blue Business Plus Credit Card has low fees, helping entrepreneurs effectively manage their finances.
Our Rating: 4.5
The Blue Business® Plus Credit Card from American Express
Welcome Offer (Terms Apply)
Earn 15,000 Membership Rewards® points
Est. Value
Up to $300
Annual Fee
No annual fee
APR
17.99% – 25.99% Variable
Credit Req’d
Good, Excellent
Rewards: 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. Terms and limitations apply.
Do Amex Business Cards Offer TSA PreCheck Credit?
Yes. The TSA maintains a page of credit cards featuring TSA PreCheck. Unfortunately, the list is incomplete and fails to mention many business cards with this benefit. One example is the The Business Platinum Card® from American Express. From Amex’s website:
Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Business Platinum Card®. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Each Additional Card on eligible Card accounts is also eligible for one statement credit for an application fee for a five-year membership every 4 years for Global Entry or every 4.5 years for TSA PreCheck. To receive the statement credit, the application fee must be charged on the eligible Additional Card.
What is the Best American Express Business Card?
The best card will depend on your company’s major expense categories. For those with online advertising as a big expense, the American Express® Business Gold Card is the best choice. If your company spends a lot of money on building supplies, the The Business Platinum Card® from American Express would be my top choice. And of course, if you travel for business, one of the co-branded cards may be best.
How do Amex Business Cards Compare to Chase?
American Express and Chase both offer business credit cards that offer a range of rewards and benefits that cater specifically to the needs of entrepreneurs. Amex comes with management tools and flexible payment options. Similarly, Chase business credit cards also offer competitive rewards and benefits, along with exceptional customer service.
I’ve chosen Chase business credit cards for my company, largely because it is the best option if cash back is your goal. For travel benefits, I give the edge to American Express, although both card issuers offer excellent travel rewards and perks.
How do Amex Business Cards Compare to Capital One?
American Express and Capital One business credit cards both offer excellent options for entrepreneurs. American Express excels at travel rewards and perks, while Capital One has excellent business cash back cards. At the same time, the Capital One Venture X Business is an excellent travel card from Cap One. One point of difference is that Capital One does not offer co-branded cards with travel partners.
What Travel Partners Does American Express Offer?
| Transfer Partner | Transfer Point Ratio | Est. Transfer Time |
|---|---|---|
| Aer Lingus AerClub | 1,000 Points – 1,000 Avios | 2 days |
| AeroMexico | 1,000 Points = 1,600 AeroMexico Rewards Points | 2 days |
| Air Canada Aeroplan | 1,000 Points = 1,000 Aeroplan Points | 2 days |
| Air France KLM Flying Blue | 1,000 Points = 1,000 Flying Blue Points | 2 days |
| ANA Mileage Club | 1,000 Points = 1,000 ANA Mileage Club Miles | 4 days |
| Avianca LifeMiles | 1,000 Points = 1,000 LifeMiles | 3 days |
| British Airways Executive Club | 1,000 Points = 1,000 Avios | 2 days |
| Cathay Pacific Asia Miles | 1,000 Points = 1,000 Asia Miles | 2 days |
| Delta Skymiles | 1,000 Points = 1,000 miles | 2 days |
| Emirates Skywards | 1,000 Points = 1,000 Skywards Miles | 2 days |
| Etihad Guest | 1,000 Points = 1,000 Etihad Guest Miles | 2 days |
| Hawaiian Airlines | 1,000 Points = 1,000 HawaiianMiles | 2 days |
| Iberia Plus | 1,000 Points = 1,000 Avios | 2 days |
| JetBlue TrueBlue | 250 Points = 200 TrueBlue points | 2 days |
| Qantas Frequent Flyer | 500 Points = 500 Qantas Points | 2 days |
| Qatar Airways Privilege Club | 1,000 Points = 1,000 Avios | 2 days |
| Singapore Airlines KrisFlyer | 1,000 Points = 1,000 KrisFlyer Miles | 2 days |
| Virgin Atlantic FlyingClub | 1,000 Points = 1,000 Virgin Points | 2 days |
| Choice Privileges | 1,000 Points = 1,000 Choice Privileges | 2 days |
| Hilton Honors | 1,000 Points = 2,000 Hilton Honors Points | 2 days |
| Marriott Bonvoy | 1,000 Points = 1,000 Marriott Bonvoy Points | 2 days |
Bottom Line
American Express offers its own brand of business credit cards as well as co-branded travel business cards. These cards offer a wide range of rewards, welcome offers, perks, and benefits for business owners. If you are still undecided, check out our list of the best business credit cards or the best welcome offers from business cards.