Best American Express Business Credit Cards

American Express business credit cards

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 120,000 Membership Rewards® points

Our Rating: 4.5

★★★★

$375

1x – 4x points

Earn 70,000 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: 3.8

★★★

$250‡

0 – 1.5%

N/A

Our Rating: 4.4

★★★★

$125

2x to 6x points

Earn five Free Night Awards

Our Rating: 4.3

★★★★

$95

3x to 12x points

Earn 130,000 Hilton Honors Bonus Points

Our Rating: 4.6

★★★★

$0 introductory annual fee for the first year, then $150

1x – 2x miles

Earn 80,000 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.

Amex Business Platinum Card

Our Rating: 4.5

★★★★

The Business Platinum Card® from American Express

Welcome Offer

Earn 120,000 Membership Rewards® points (Terms Apply)

Est. Value

Up to $2,400

Annual Fee

$695

APR

19.49% – 27.49% Variable

Credit Req'd

Good, Excellent

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.

The Business Platinum Card® from American Express is for frequent business travelers. It comes with great perks like airport lounge access and cell phone protection. It does charge a hefty annual fee, but for those entrepreneurs who take advantage of the card's benefits, the fee is worth the cost.

1x points
On all other eligible purchases
Earn 1X points for each dollar you spend on eligible purchases.
1.5x points
Select Categories
Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase 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.
5x points
Airfare
5X Membership Rewards® points on flights on AmexTravel.com.
5x points
Hotels
5X Membership Rewards® points on prepaid hotels on amextravel.com.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 5x points

Cons

  • Annual fee
  • Requires good credit

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.

American Express Business Gold Card

Our Rating: 4.5

★★★★

American Express® Business Gold Card

Welcome Offer (Terms Apply)

Earn 70,000 Membership Rewards® points

Est. Value

$420 – $1,400

Annual Fee

$375

APR

19.49% – 27.49% Variable

Credit Req'd

Good, Excellent

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.

American Express® Business Gold Card is for business owners who spend the most on categories like U.S. restaurants, gas stations, transit, U.S. online, TV, or radio advertising, among others. You earn elevated rewards on your top two categories and there are no foreign transaction fees.

1x points
On all other eligible purchases
1X is earned for other eligible purchases.
3x points
Airfare
Earn 3x on flights booked through American Express Travel
3x points
Hotels
Earn 3x on prepaid hotels booked through American Express Travel
4x points
Select Categories
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories.

Pros

  • Welcome offer
  • No foreign transaction fee
  • Up to 4X Points

Cons

  • Annual fee
  • Requires good credit

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. Additionally, the Blue Business Plus Credit Card has low fees, helping entrepreneurs effectively manage their finances.

The Blue Business Plus Credit Card from American Express

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

18.49% – 26.49% Variable

Credit Req'd

Good, Excellent

Rewards: Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle and 1X points for other eligible purchases.

The Blue Business® Plus Credit Card from American Express is for business owners who spend the most on categories like U.S. restaurants, gas stations, transit, U.S. online, TV, or radio advertising, among others. You earn elevated rewards on your top two categories, up to the annual spending cap, and there are no foreign transactions or annual fees.

1x points
On all other eligible purchases
2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
2x points
All eligible purchases
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.

Pros

  • Welcome offer
  • No annual fee
  • Up to 2x points
  • 0% Intro APR

Cons

  • Foreign transaction fee
  • Requires good credit

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 PartnerTransfer Point RatioEst. Transfer Time
Aer Lingus AerClub1,000 Points – 1,000 Avios2 days
AeroMexico1,000 Points = 1,600 AeroMexico Rewards Points2 days
Air Canada Aeroplan1,000 Points = 1,000 Aeroplan Points2 days
Air France KLM Flying Blue1,000 Points = 1,000 Flying Blue Points2 days
ANA Mileage Club1,000 Points = 1,000 ANA Mileage Club Miles4 days
Avianca LifeMiles1,000 Points = 1,000 LifeMiles3 days
British Airways Executive Club1,000 Points = 1,000 Avios2 days
Cathay Pacific Asia Miles1,000 Points = 1,000 Asia Miles2 days
Delta Skymiles1,000 Points = 1,000 miles2 days
Emirates Skywards1,000 Points = 1,000 Skywards Miles2 days
Etihad Guest1,000 Points = 1,000 Etihad Guest Miles2 days
Hawaiian Airlines1,000 Points = 1,000 HawaiianMiles2 days
Iberia Plus1,000 Points = 1,000 Avios2 days
JetBlue TrueBlue250 Points = 200 TrueBlue points2 days
Qantas Frequent Flyer500 Points = 500 Qantas Points2 days
Qatar Airways Privilege Club1,000 Points = 1,000 Avios2 days
Singapore Airlines KrisFlyer1,000 Points = 1,000 KrisFlyer Miles2 days
Virgin Atlantic FlyingClub1,000 Points = 1,000 Virgin Points2 days
Choice Privileges1,000 Points = 1,000 Choice Privileges2 days
Hilton Honors1,000 Points = 2,000 Hilton Honors Points2 days
Marriott Bonvoy1,000 Points = 1,000 Marriott Bonvoy Points2 days
Source: American Express

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.