CreditDonkey is a credit card comparison and reviews 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†




Updated December 12, 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 has many promotions for small business applicants. But which business card is best? Read this in-depth review and comparison of Amex business cards.

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% for 12 months
0% for 12 months
14.74% - 20.74% Variable
No annual fee

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

The Blue Business Plus has a long intro APR period (See Rates & Fees), 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: Blue Business Cash

American Express Blue Business Cash Card
Apply for American Express Blue Business Cash Card
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months
0% on balance transfers for 12 months
14.74% - 20.74% Variable
No annual fee

The drawback is that there is a foreign transaction fee (See Rates & Fees), so it's not ideal if your business often travels abroad.

For Reward Points: Business Gold Card

American Express Business Gold Card
Apply for American Express Business Gold Card
At American Express' Secure Site
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.74% - 23.74% Variable
$295

Who this card is right for: Businesses with expenses concentrated in specific categories.

If earning reward points is your priority, consider the AMEX Business Gold. Membership Rewards points can be used to purchase flights, transferred to airline and hotel partners, or swapped for gift cards.

Tip: If you're not sure about this, there is a lighter version: AMEX Business Green. It has a $0 introductory annual fee for the first year, then $95 (See Rates & Fees).

For Business Travelers: Business Platinum (Charge Card)

The Business Platinum Card from American Express
Apply for The Business Platinum Card from American Express
At American Express' Secure Site
Card TypeAnnual Fee
Business Charge Card
$595

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, 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
Apply for The Plum Card from American Express
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 (See Rates & Fees). 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. You get a 1.5% discount when you pay within 10 days of your statement closing date. The discount will be applied as a credit on the next statement.

There is a $250 annual fee ($0 intro annual fee for the first year) (See Rates & Fees). 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
17.24% - 26.24% 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 (See Rates & Fees) 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). The Delta Reserve also gives you complimentary Delta Sky Club access.

For Hotel Nights: Marriott Bonvoy & Hilton Honors

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

 Marriott Bonvoy Business American Express CardThe Hilton Honors American Express Business Card
 Apply NowApply Now
 

Marriott Bonvoy Business™ American Express® Card

The Hilton Honors American Express Business Card

 

Summary

 
  • Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • 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. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards 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.
  • See Rates & Fees
  • 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 on the Card 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 APR17.24% to 26.24% Variable based on your creditworthiness and other factors17.24% to 26.24% Variable based on your creditworthiness and other factors
Annual Fee$125 annual fee$95 annual fee
 

Benefits and Features

Introductory Bonus Hotel RewardsIntroductory Bonus Hotel Rewards: Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.Introductory Bonus Hotel Rewards: 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 on the Card in the first 3 months of Card Membership.
Bonus Hotel RewardsBonus Hotel Rewards: Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards 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.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: 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.
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: 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.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.
Gas RewardsGas Rewards: 4x points at U.S. gas stations 
Dining RewardsDining Rewards: 4x points at U.S. restaurants 
Airline Transfer PartnersAirline Transfer Partners: Marriott Bonvoy airline transfer partners include Aegean Airlines, Aeroflot, AeroMexico, Air Canada, Air China, Air France/KLM, Air New Zealand, Alaska Airlines, Alitalia, ANA, American Airlines, Asiana Airlines, Avianca, British Airways, Cathay Pacific, China Eastern Airlines, China Southern Airlines, Copa Airlines, Delta SkyMiles, Emirates, Etihad, Frontier Airlines, Hainan Airlines, Hawaiian Airlines, Iberia Plus, Japan Airlines JAL Mileage Bank, Jet Airways, JetBlue, Korean Air, LATAM Airlines, Lufthansa, Qantas, Qatar, Saudia Airlines, Singapore Airlines, South African Airways, Southwest Airlines, TAP Air Portugal, THAI Airways, Turkish Airlines, United, Virgin Atlantic, and Virgin Australia. 
 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.

  • Marriott points are very valuable in the travel world. You can 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 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. American Express® Business 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).

  • Beware the welcome bonus restrictions. Some cards have a fine print that says that the welcome offer is not valid for applicants who have held that card before. This applies even if you opened the same card years ago and closed the account. Also, AMEX may consider the number of AMEX cards you have opened and closed for the welcome offer eligibility.

  • 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 (See Rates & Fees), while the Blue Business Cash 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 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: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.

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.

For rates and fees of the Blue Business Cash card, please click here.
For rates and fees of the Business Gold Card, please click here.
For rates and fees of the American Express Business Platinum card, please click here.
For rates and fees of the Blue Business Plus card, please click here.
For rates and fees of the American Express Plum Card, please click here.
For rates and fees of the Business Green Rewards Card, please click here.
For rates and fees of the Gold Delta SkyMiles Business Credit Card, please click here.
For rates and fees of the Hilton Honors Business Credit Card, please click here.
For rates and fees of the Delta Reserve Business card, please click here.
For rates and fees of the Marriott Bonvoy Business Credit Card, please click here.
For rates and fees of the Platinum Delta AMEX Business card, please click here.

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 Blue Business Cash Card
Apply for American Express Blue Business Cash Card
At American Express' Secure Site
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
  • From workflow to inventory to floor plans, your business is constantly changing. That's why you've got the power to spend beyond your credit limit with Expanded Buying Power§.
  • Just remember, 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 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
  • See Rates & Fees
  • Go to issuer's official application, terms, and details
Cash Back Rewards$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% on purchases for 12 months
0% on balance transfers for 12 months
14.74% - 20.74% Variable
No annual fee
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.

Leave a comment about American Express Business Card Offers?

Name
Email (won't be published)


Blue Cash Everyday Review

If you want a cash back credit card with the same rewards categories year-round, then consider the Blue Cash Everyday® Card from American Express. Read on for the pros and cons.

    Business

    For small business owners, credit is vital. But with so many credit cards available designed for businesses, how can you decide which one is right for you and your company? These two factors can help narrow down your selection ...

    Credit Card Deals

    Applying for a card with a bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    How to Get a Business Credit Card

    Applying for a business credit card is easier than it sounds. Here is how to apply for one, whether you have a corporation or a tiny home business.
    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.

    Business Credit Cards vs Charge Cards: Which is Right for Your Business?

    Is your business better off with a charge card or a credit card? Does it matter? Yes. Read this article to learn the important differences.

    Business Credit Cards with No Annual Fee

    If you're looking to get a credit card for your business, you've got a lot of options. In this article, we'll look at why a business credit card with no annual fee might (or might not) be for you.
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 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.