CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

April 1, 2018

American Express Business Card Offers

Read more about American Express, a CreditDonkey advertiser
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

American Express is offering promotions for new small business credit card applicants. Read the latest reviews and score deals with this guide.

American Express, a CreditDonkey partner, offers several cards for small businesses. Whether you're a new business, want cash back or travel miles, AMEX has a card that could work for you.

Read on to see which card is right for you.

© CreditDonkey

Note: AMEX cards come in credit cards and charge cards. Charge cards have no preset spending limit, but you must pay your bill in full each month. Credit cards have a spending limit, but you are allowed to carry a balance. We note which ones are charge cards in our guide.

For Startups: Blue Business Plus

The Blue Business Plus Credit Card from American Express
Apply for The Blue Business Plus Credit Card from American Express
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
0% on Balance Transfers for 15 months
12.99% - 20.99% Variable
$0

Who this card is right for: Small businesses just starting out.

The Blue Business Plus has a long intro APR period, which is great if you have some larger purchases to make for your business and need time to pay them off. It's also good for small businesses that don't yet have a steady cash flow. That intro period will come in handy if there's a slow month and you can't make the payment.

You get rewarded on purchases, so it's also good for small businesses with varied spending.

For Cash Back: SimplyCash Plus

SimplyCash Plus Business Credit Card from American Express
Apply for SimplyCash Plus Business Credit Card from American Express
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on Purchases for 15 months
N/A
13.99% - 20.99% Variable
No annual fee

Who this card is right for: Businesses with specific spending.

We love that this card gives you a say in your rewards. You get to choose your 3% cash back on the first $50,000 spent in the category of your choice from a list of 8 categories. The drawback is that there is a foreign transaction fee, so it's not ideal if your business often travels abroad.

For Reward Points: Business Gold Rewards (Charge Card)

The Business Gold Rewards Card from American Express OPEN
Apply for The Business Gold Rewards Card from American Express OPEN
At American Express' Secure Site
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $175

Who this card is right for: Businesses with travel and gas expenses; tech startups.

If earning reward points is your priority, consider the AMEX Business Gold. You get to choose your 3x reward category from 5 popular business categories. The 4 remaining categories will give double points. Membership Rewards points can be used to purchase flights, transferred to airline and hotel partners, or swapped for gift cards.

Note that there is a $175 annual fee ($0 introductory annual fee for the first year). You will have to spend at least $17,500/year in the bonus categories to justify the annual fee over a no-annual-fee card.

Tip: If you're not sure about this, there is a lighter version: The AMEX Business Green. It has a $0 introductory annual fee for the first year, then $95. You get 2x points on travel purchases booked on the American Express travel website, and 1x point on all other purchases.

For Business Travelers: Business Platinum (Charge Card)

The Business Platinum Card from American Express OPEN
Apply for The Business Platinum Card from American Express OPEN
At American Express' Secure Site
Card TypeAnnual Fee
Business Charge Card
$450

Who this card is right for: Very frequent business travelers.

The Business Platinum is rich is travel perks. You get perks like an airline fee credit, global lounge access, Boingo Wi-Fi, Gogo in-flight internet passes, and Global Entry application credit. Frequent business travelers will be able to make use of them, which more than helps justify the hefty annual fee.

You can transfer the points 1:1 to 20 airline and hotel partners. And if you pay for a flight with points on the AMEX travel portal, you get 35% of the points back (up to 500,000 bonus points per year).

For Managing Cash Flow: Plum Card (Charge Card)

The Plum Card from American Express OPEN
Apply for The Plum Card from American Express OPEN
At American Express' Secure Site
Card TypeAnnual Fee
Business Charge Card
$0 introductory annual fee for the first year, then $250

Who this card is right for: Businesses with unpredictable cash flow.

The Plum Card's real value lies in the payment flexibility. This option to take up to 60 days to pay with no interest (if you pay your minimum due) could be invaluable if your business doesn't have steady cash flow. It's also good for seasonal businesses.

There are no bonus categories, but you do get rewarded for paying a bill early. However, there is a $250 annual fee ($0 intro annual fee for the first year). Your business must have enough expenses to justify the annual fee. To get enough rewards to break even on the annual fee, your business would have to pay at least a total of $17,000 early each year.

For Delta Flyers: AMEX Gold Delta SkyMiles Business Credit Card

Gold Delta SkyMiles Business Credit Card from American Express
Apply for Gold Delta SkyMiles Business Credit Card from American Express
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.99% - 20.99% Variable
$0 introductory annual fee for the first year, then $95

Who this card is right for: Businesses that fly Delta.

The value of this card lies in the perks, like the free first checked luggage. That helps justify the annual fee even if you fly Delta just once a year (round-trip) with a partner and each check a bag. If your business flies Delta often, then this card can save you a ton on a luggage fees.

Tip: Enroll in Delta's free SkyBonus business program and get points when your employees fly with Delta or its partners. You can redeem the points for flight certificates, upgrades, and Delta lounge passes.

Amex has two other Delta co-branded business cards as well: The Platinum Delta SkyMiles Business and the Delta Reserve for Business. You can earn Medallion Qualification Miles (MQMs) after you spend a certain amount a year, which can buy you more benefits (like seat upgrades).

For Hotel Nights: SPG Business & Hilton Honors Business

If your business often stays in hotels, then you may prefer one of the AMEX hotel business cards.

 Starwood Preferred Guest Business Credit Card from American ExpressThe Hilton Honors American Express Business Card
 Apply NowApply Now
 

Starwood Preferred Guest® Business Credit Card from American Express

The Hilton Honors American Express Business Card

 

Summary

 
  • Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
  • From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
  • Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
  • Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels.
  • 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.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply
  • See Rates & Fees
  • 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.
  • See Rates & Fees
 

Interest Rates and Fees

Purchase APR16.99% to 20.99% Variable based on your creditworthiness and other factors17.49% to 26.49% Variable based on your creditworthiness and other factors
Annual Fee$0 introductory annual fee for the first year, then $95$95 annual fee
 

Benefits and Features

Introductory Bonus Hotel RewardsIntroductory Bonus Hotel Rewards: Earn a $100 statement credit after you make $1,000 in purchases on the Card within your first 3 months of Card Membership.
Plus, earn an additional $100 statement credit after your first purchase on the Card at a participating SPG® or Marriott Rewards® hotel within your first 6 months of Card Membership.
Introductory Bonus Hotel Rewards: 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.
Travel Rewards
 
Bonus Hotel Rewards Bonus Hotel Rewards: 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.
Hotel RewardsHotel Rewards: From now through July 31, 2018: Earn 2 Starpoints® for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 1 Starpoint for all other eligible purchases.
Note: On August 1, 2018, SPG will convert every one Starpoint in a loyalty member account to three points. In general, corresponding redemption changes will occur. Visit members.marriott.com for details.
Effective August 1, 2018: Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. 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.
Hotel Rewards: 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.
Airline Status Airline Status: 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.
Hotel StatusHotel Status: Earn SPG Gold Status by spending $30,000 or more on your Card in a calendar year.
Beginning in January 2019, earn SPG Gold Status by spending $35,000 or more on your Card in a calendar year.
Hotel Status: Enjoy complimentary Gold status with your Hilton Honors Business Card. Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
Airline Transfer PartnersAirline Transfer Partners: Airline transfer partners include American Airlines, Delta, Alaska Airlines, Hawaiian Airlines, British Airways, Aeromexico, Air Canada, Air France (Flying Blue), Emirates, Qatar Airways, Cathay Pacific (Asia Miles), Virgin Atlantic, Avianca, Singapore Airlines, Korean Air, Etihad, Asiana Airlines, Air China, Alitalia, Air Berlin, Jet Airways, China Southern Airlines, Japan Airlines, Hainan Airlines, Thai Airways, Virgin Australia, Aegean Airlines, Miles and More, All Nippon Airways, China Eastern, and more. 
 Apply NowApply Now

Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details.

  • The AMEX Starwood Preferred Guest Business isn't the best at earning reward points, as you only get bonus points for SPG or Marriott purchases. However, Starpoints are very valuable in the travel world. They are often worth over 2 cents apiece in our opinion. And you can also transfer them to airline partners (with a bonus), so you get more flexibility in how you want to use your points.

  • The AMEX Hilton Honors Business will allow you to rack up points to a free night faster, as you get bonus points on every purchase. The 6x bonus categories are well-aligned for many business types. And plus, you get the opportunity to earn up to 2 additional weekend night rewards when you reach certain spending thresholds.

What You Get With AMEX Business Cards

  • Mobile app. The Spend Manager mobile app allows you to track business expenses and organize your receipts. You can also connect to QuickBooks to quickly categorize your expenses.

  • Employee cards. Track each card's spending and earn rewards from their purchases. You can set spending limits and purchase alerts. (Note that some cards charge an annual fee for each employee card.)

  • Year-end summaries. Get a year-end itemized report of your spending.

  • Purchase protection. You are covered if your eligible item is damaged or stolen within 90 days of purchase.

  • Extended protection. Extend the manufacturer's warranty up to 1 year (for warranties of 5 years or less).

Things to Know About American Express Business Credit Cards

  • There's a difference between a credit card and charge card. Charge cards have no preset limit, but you must pay your bill in full each month. So there are no interest charges. Credit cards have a spending limit, and you are allowed to carry a balance, but you'll accrue interest. Only get a charge card if you are sure you can pay in full each month (the exception is the Plum Card).

  • They do not show up on your personal credit report. AMEX does not report your business card activities to consumer credit bureaus, so your personal credit will not be affected.

  • You will need to provide business information. On the application, you will need to provide your business' annual revenue and Tax ID Number or Employer ID Number. Don't worry, even if you're a new business with no revenue, you can still apply. Read: How to Get a Business Credit Card.

  • You will have to sign a personal guarantee. This is a clause that states that you, personally, will repay any business debt. If you stop making payments on the card, American Express can come after you personally to recover the balance owed.

  • Generally, you need excellent credit. The American Express business cards require excellent credit, typically around 700+.

Which Small Business Card?

The right one for you depends on your business' needs and spending habits. Newer businesses may want to start out with one of the no-annual-fee cards. The Blue Business Plus is good if you need an promotional interest rate, while the SimplyCash Plus is good for cash back.

More established businesses with higher expenses will find that the annual fee cards offer better reward potential. The Business Platinum is great for frequent business travelers, while the Business Gold Rewards will allow you to rack up points fast. And if you're a frequent Delta flyer or like to stay in hotels, AMEX has got several co-branded cards as well.

Remember, as with all credit card offers, terms and limitations apply.

Editorial Note: This content is not provided by American Express. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through the Advertiser's affiliate programs.

More from CreditDonkey:


How to Apply for a Business Credit Card


Business Charge Card vs Credit Card


American Express Membership Rewards Review

More Articles in Reviews

American Express Cards

Credit Card Promotions

American Express Credit Card Offers

American Express now offers promotions for new credit card applicants. But how do you pick which deal is right for you? Read this in-depth guide.

Blue Cash Everyday Review

If you want a cash back credit card with the same rewards categories year-round and no annual fee, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons.
More Articles in Reviews





About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.