What's in this article?
2 Min Read | Published: January 24, 2025
Understanding American Express® Employee Cards
Employee Cards are a helpful tool for staying on top of your business expenses, allowing employees to buy what they need within limits1 you set. Adding Employee Cards can help you have more efficient spending management and transparency for your business. Additionally, you receive real-time alerts2 to help you know who’s spending what and where and earn rewards3 on employee purchases.
From the American Express Business BlueprintTM dashboard, you can conveniently add new Employee Cards, plus view and manage existing ones. Here’s how to do it.
You can view all your Employee Cards in one place. Navigate to the dashboard and scroll to “Additional Card section” to view your Employee Cards. If you need to, click the arrow to view your Employee Cards per product.
For illustrative purposes only
It’s simple to oversee your Employee Cards with flexible tools to ensure employee spending aligns with your business goals and set spending limits. You’ll receive real-time Merchant Category Alerts if employees spend outside of your approved merchant types, such as U.S. gas stations, U.S. shipping, and U.S. office supply stores.3
For illustrative purposes only
You can freeze and unfreeze Employee Cards at any time in your Card online account. You can also assign a trusted team member as an Account Manager4 with Full Access to add and manage Employee Cards for you.4 That person can set spending limits and track the amount each employee spends.
- Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.
- Merchants are categorized based on what they primarily sell. You will not receive an alert if an Employee makes a purchase at a merchant from an approved category, whether or not you consider that purchase to be a part of a particular category.
- Terms, conditions and restrictions vary by individual Card products.
- Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.
STILL NEED HELP?
Reach out to us for further guidance.
Deposit accounts offered by American Express National Bank. Member FDIC.
TERMS AND CONDITIONS
American Express Business Blueprint™
American Express Business Blueprint™ is the small businesses digital experience that allows a customer to view on one digital dashboard summary account information for the following American Express small business products: American Express® Business Cards, American Express® Business Line of Credit, and American Express® Business Checking. The customer can also choose to link their third-party issued business bank accounts and business credit cards to Business Blueprint. Not all third-party accounts or cards can be connected to Business Blueprint. Business Blueprint allows the customer to view data insights and track their business cash flow and expenses by viewing reports that American Express prepares using the customer’s linked account information. While the cash flow management service from Business Blueprint is currently free, each of the business products from American Express that are visible in Business Blueprint has its own fees, eligibility criteria, application process and approval requirements. The Business Blueprint service (including any data insights provided to the customer) does not constitute legal, tax, financial or accounting advice, and is not a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business. American Express makes no representations as to the accuracy, completeness or timeliness of the reports, data or account information that are available to the customer from Business Blueprint.™
American Express® Business Line of Credit
Terms and Conditions for an American Express® Business Line of Credit apply. Visit https://www.americanexpress.com/en-us/business/blueprint/terms-and-conditions/business-line-of-credit/ for more information.
American Express® Business Checking
We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. To learn more about Business Checking, including eligibility, visit https://www.americanexpress.com/en-us/business/checking/.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo
American Express and Amex are registered trademarks of American Express.