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American Express®️ Business Cards

Built for business.
By American Express.

Big ideas need a Business Card to match.

Stack of American Express Platinum Business Gold Business and Blue Business Cash Credit Cards

Each American Express® Business Card comes with:

Serious business

spending power1

Get more spending power to pay for your business purchases— from server space to serving trays.

Rewards that
mean business2

Choose a Card that allows you to earn Membership Rewards® points3, Cash Back4, or rewards from select partners on your business purchases.

Business Card

Specialist 

Get support from a Card specialist who understands your business needs.

You found your calling. Now, find your Business Card.

Business Platinum Card
$595 Annual Fee¤
Rates & Fees

Serious points.
Platinum perks.

Go far with 5X points on flights and prepaid hotels on amextravel.com.5

Business Gold Card
$295 Annual Fee¤
Rates & Fees

Get rewards.
Go gold.

Earn 4X points on select 2 categories where you spend the most. Cap applies.6

Blue Business CashTM Card
$0 Annual Fee¤
Rates & Fees

Cash Back.
Business forward.

Reinvest in your business with 2% cash back on all eligible purchases. Cap applies.7

To see our full breadth of Business Cards and get a personalized recommendation, check out the Business Card Quiz.

Dream big. Get supported. Get rewarded.

We're here to help you run your business, your way.

Big purchase? Go for it.

No Preset Spending Limit* on select Business Cards means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history—so you can keep business hoppin’ along.

Big dreams? We’ve got rewards for that.

With a range of rewards2 to serve diverse business needs, American Express® Cards let you earn rewards to help you reinvest in your business. Or, choose a Card with rewards that can treat you and your team to an espresso machine to keep you go-go-going strong.

Big project? Take your time.

The Pay Over Time Option8 lets you choose whether to pay your balance in full each month or carry a balance with interest¤, so you can handle even the most unexpected expenses—and let us help with the heavy lifting.¤Rates & Fees.

See ways American Express backs Small Businesses

Business Class

Get a modern business education through insights and inspiration to help your business adapt.

Shop Small®

Access free turnkey marketing tools, expert insights, and advice designed to help you market your business.

Backing Change

American Express is proud to back you as you move forward. Learn more about funding options and resources to help your business do more business.

Find the right Business Card for you

See all the best-in-class benefits American Express has to offer

FOLLOW #AMEXBUSINESS ON

Terms & Conditions

 

*No Pre-Set Spending Limit

 

No Preset Spending Limit means your spending limit is flexible. Unlike a traditional Card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.

 

1. Spending power 

 

Not all purchases will be approved. Your spending power will be based on your account status.

 

2. Rewards

 

Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.

 

3. 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 membershiprewards.com/pointsinfo.

 

4. Cash Back

 

Not all Cards are eligible to earn cash back. Terms vary by Card.

 

5. 5x Points on flights and prepaid hotels on AmexTravel.com

 

You will get one point for each dollar charged for an eligible purchase on your Business Platinum Card® from American Express. You will get 4 additional points (for a total of 5 points) for each dollar spent on eligible travel purchases made on AmexTravel.com. Eligible travel purchases include the following purchases made on AmexTravel.com: scheduled flights, prepaid hotel purchases (including hotels and flight + hotel packages), minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, car rentals and cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 5x Membership Rewards® points, you must both reserve and charge the travel purchase with the same eligible Business Platinum Card®. To modify a reservation you must cancel and rebook your reservation. You can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 5X Membership Rewards® point benefit. For Business Platinum Card Members, extra points for air, prepaid hotel, and travel packages will be credited to the Membership Rewards account 10-12 weeks after final payment is made. Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this benefit. The benefits associated with the Additional Card(s) you choose may be different than the benefits associated with your basic Card. To learn about the benefits associated with Additional Card(s) you choose, please call the number on the back of your Card.

 

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

 

Please visit americanexpress.com/rewards-info for more information about rewards.

 

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our travel consultants. For more information visit americanexpress.com/travelterms.

 

California CST#1022318; Washington UBI#600-469-694

 

6. 4X Membership Rewards® points

 

How the 4X Points Benefit Works

With your American Express® Business Gold Card, you get at least one Membership Reward® point for each dollar you spend on your Card for eligible purchases. You also get 3 additional points per dollar (for a total of 4 points), on the 2 categories (of 6) where you spend the most each billing cycle, up to the first $150,000 in combined eligible purchases from these 2 categories each calendar year. Eligible purchases in excess of $150,000 in a calendar year will receive only one point per dollar spent.

 

Determining Your Top 2 Categories

To calculate your top 2 categories each billing cycle, we use your posted account transactions that fall into the 6 categories below and issue additional points based on your 2 highest categories of total spend less returns and credits in that same billing cycle. You will only earn 3 additional points in 2 categories each billing cycle even if you have equal spend in more than 2 categories. The 6 categories that qualify for additional points are: (1) airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) computer hardware, software, and cloud computing purchases in the U.S. made directly from select technology providers (the current list of select technology providers is available at: americanexpress.com/rewards-info); (4) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (5) restaurants located in the U.S.; and (6) shipping services purchased in the U.S. for courier, postal, and freight.

 

General Terms

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

 

7. 2% Cash Back

 

Cash back can be received on eligible purchases made on your Blue Business Cash Card. The cash back is based on a percentage of the eligible purchases you make during each billing period and will be automatically credited to your account as a statement credit. The statement credit will automatically appear by the second billing statement you receive after the billing statement with the eligible purchases. You will not receive a statement credit for eligible purchases made if you do not pay the minimum payment due by the Closing Date of the billing period in which it is due, or if your Card account is cancelled before the credit is issued. For each calendar year (starting January 1st and ending December 31st), you will receive a statement credit of: 2% on your first $50,000 of eligible purchases; then 1% on all other eligible purchases.

 

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards; person-to-person payments or purchases of other cash equivalents. Additional terms and restrictions apply.

 

8. Pay Over Time Option

 

Eligible Charges

A charge made by you or any additional Card Member on your account is eligible to be paid over time if it is equal to or more than $100 and is approved by us. Charges under $100 will be due in full each month. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.

 

Pay Over Time Settings

The Pay Over Time option on your account is initially set to On. There are two settings, On and Off. When set to On, eligible charges will be placed in your Pay Over Time balance. When set to Off, no new charges will be included in your Pay Over Time balance. You can change this setting by visiting your online account or calling the number on the back of your Card.

 

Interest on your Pay Over Time balance

For transactions added to your Pay Over Time balance, we will charge interest beginning on the date of each transaction. We will not charge interest on charges added to your Pay Over Time balance if you pay your account Total New Balance by the due date each month. You must pay at least the Minimum Payment Due by the Payment Due Date each month to keep your account in good standing. The Minimum Payment Due includes all Pay in Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.

 

Pay Over Time Limit

We assign a Pay Over Time Limit to your account. Your Pay Over Time Limit is the amount you may carry as a balance. We will not place any charge into a Pay Over Time balance if it causes your Pay Over Time balance to go over your Pay Over Time Limit. Any charges that would cause the total balance to exceed your Pay Over Time Limit will be due in full. We may increase or decrease the amount of your Pay Over Time Limit and will tell you if we change that amount. Your Pay Over Limit may be different than the total amount you are allowed to spend on your Card.

 

No Pre-Set Spending Limit

No Preset Spending Limit means your spending limit is flexible. Unlike a traditional Card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.

 

9. Expanded buying power

 

The portion of your account balance that is above your credit limit is due in full each month as part of your minimum payment due. You will not incur interest charges on the portion of your account balance that is above your credit limit so long as you pay the entire minimum payment due by the closing date of the billing period in which it is due. If you do not, then the penalty rate will apply to your entire balance, including any amount above the credit limit.

 

10. Rewards on Employee Cards

 

Terms, conditions and restrictions vary by individual Card products.

 

11. Spending Limits

 

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 americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.

 

12. American Express® Business App

 

The American Express® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex® Business App is available on the App Store® and Google Play. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

 

13. AP Automation

 

Users may be required to enroll their eligible American Express Business, Corporate or Corporate Purchasing Card for virtual payments on the American Express B2B Payments Card Enrollment portal. Users must sign up with one of our participating financial software providers and are subject to their terms. Fees may apply. To learn more, please contact your American Express representative.

 

14. Connect to QuickBooks

 

Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.