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Why American Express Business Cards?

Exclusively for business owners — the American Express Gold Business Charge Card and the American Express Platinum Business Charge Card could help you manage your cashflow and make doing business easier, all while helping you to earn great rewards.

Manage business cashflow

By using an American Express Charge Card for your business, you could increase your purchasing power:

  • American Express Business Charge Cards have no pre-set spending limit which means your spending limit adjusts according to the needs of your business.1 That helps you leverage greater purchasing power when you need to make payment on bigger items like large equipment or paying for building works. Your spending capacity is based on your current purchasing patterns and payment history as well as your credit record and financial resources. So as your business evolves, so does your purchasing power.
  • Compared with paying by cash or invoice, you could have greater control over your cashflow and with managing your finances with the Gold Business Card and Platinum Business Card. They provide up to to 54 days payment period on purchases2. Please remember that you must pay your full balance at the end of each month.

World Class Service

  • You can request complimentary Supplementary Cards for employees, colleagues and associates (up to 99 on the Gold Business Card and up to five on the Platinum Business Card).3 Subject to Application and approval. Supplementary Cards allow you to share some of the benefits of American Express Cardmembership while also helping you to keep track of all of business spending in one easy-to-manage Account. Supplementary Card purchases will be split out on your monthly statement so you can see exactly where your money is going, and to help you save time when sorting your expenses. And, you earn 1 Membership Rewards point for every full £1 spent by Supplementary Cardmembers on your Account.4
  • Our 24-hour online business account management lets you check your balance, payments, past statements and keep track of all business purchases made on your Account.
  • American Express also offers a convenient app for iPhone and Android devices to help you keep track of your finances while you’re on the go.
  • Plus, our global customer service team is here to help - wherever you are in the world, whatever the time of day.

Turn business expenses into rewards

With the Gold Business Card and the Platinum Business Card you can earn 1 Membership Rewards point for every full £1 you spend.4 So when you use your Card for daily business purchases or large one-off expenses, your points balance can grow. You can then redeem for a variety of rewards to reinvest in your business or to treat yourself or your employees. Learn more about Business Card rewards.

Benefits for almost every company

No matter what business you’re in, using an American Express Business Card could benefit your business. American Express Business Cardmembers represent many different industries including: dental, construction, veterinary, plumbing and electrical, retail, restaurant, automotive, optical, pharmaceutical, travel, and consultancy, just to name a few.

So whether you’re paying for business travel, parking, office supplies, equipment, business registration or advertising, use the Gold Business or Platinum Business Card and you could turn business expenses into rewards. Learn more about the American Express Business Cards, exclusively for businesses.

If you'd prefer a Card without any rewards, other features, or an annual Cardmembership fee, an alternative option is available – the Basic Business Card.

Important information

1. No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. We reserve the right to apply temporary spending limits in accordance with the Cardmember Agreement.

2. The maximum amount of time for deferred payment on purchases is 54 calendar days and is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.

3. Supplementary Cards allow you to share some of the benefits of your American Express Business Card with employees, colleagues and others close to you. You will be the main Cardholder and you, the Business and the Supplementary Cardholder will be jointly and severally liable for all charges made by a Supplementary Cardholder with their Card. Supplementary Cardmembers must be UK residents aged 18 or over. Approval subject to status and terms and conditions apply. You can request up to 99 complimentary Supplementary Gold Business Cards with a Gold Business Card Account. On a Platinum Business Card Account, you can apply for 1 complimentary Supplementary Platinum Business Card and up to four complimentary Supplementary Gold Business Cards - additional Supplementary Platinum Business Cards beyond this will each carry a fee of £170 and additional Gold Business Cards will carry a fee of £45.

4. Membership Rewards points are earned on every full £1 spent and charged, per transaction. Membership Rewards points are not earned on interest, fees (including default fees), balance transfers, cash advances (including transactions treated as cash), loading of pre paid Cards, American Express Travellers Cheque purchases or foreign exchange transactions; and any amounts that are subsequently re-credited to your Card Account by way of refunds. Visit for full Membership Rewards Terms and Conditions.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.