Welcome Offer
Collage icon of the 50K logo
Earn 70K

After performing qualifying activities.

See details below. 

Business checking

Meet the business checking account built for businesses like yours.


Earn Membership Rewards® points, say goodbye to monthly maintenance fees, and get the powerful backing of American Express with 24/7 support from our specialists. Apply below for this Welcome Offer by 11:59:59PM ET on 07/31/24.


This Welcome Offer is only available to select businesses who were solicited directly by American Express and who must apply with their existing credentials through the link provided.  Offer cannot be forwarded, transferred, or used more than once. Terms apply.




Key Rewards & Benefits of a Business Checking Account

Rewards Icon

Earn 50,000 Membership Rewards® points after qualifying activities.See details below.

No fee Icon

No monthly maintenance fees¤


24/7 support - specialists are a click or call away

Earn130 icon

Earn 1.30% APY on balances up to $500k


Earn 50,000

Membership Rewards Points® after you


  • Deposit a total of $7,500 or more in eligible deposits* within 30 days of opening your first account,
    *Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts.



  • Maintain an average account balance of $7,500 for the next 60 days,



  • Make 5 or more qualifying transactions* within 60 days of opening your account.
    *Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions.
Earn 70 icon

This is banking that rewards you.

The Membership Rewards® program allows you to earn and redeem Membership Rewards points.

With an American Express® Business Checking account, you can:


Earn Membership Rewards Points

Earn 1 Membership Rewards point for every $2 you spend on an eligible Business Debit Card purchase.


Turn Membership Rewards points

Turn Membership Rewards points into deposits directly into an American Express® Business Checking account.

Transfer points icon

Transfer Points to select participating travel partners.

If you already have a Membership Rewards-enrolled Card, you can choose to convert points into deposits made directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.


Frequently Asked Questions

Member FDIC

Accounts offered by American Express National Bank. Member FDIC. Funds deposited within American Express National Bank deposit accounts are insured by the Federal Deposit Insurance Corporation (FDIC) up to at least $250,000 per depositor. Coverage amounts vary based on factors such as account ownership, beneficiaries, and number of accounts with the same institution. For additional information, you may visit the FDIC website at www.fdic.gov.