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Applying for an American Express® Business Card You could get more from your business expenses with an American Express Business Charge Card.

Exclusively for businesses

American Express offers three Charge Card options exclusively for businesses:

  • Gold Business Charge Card: The Card that helps to turn business spend into rewards1 and to keep your cashflow flowing. Plus, receive 20,000 bonus Membership Rewards points if you are approved and spend £3,000 in the first three months of Cardmembership.2
  • Platinum Business Charge Card: The Card with premium travel benefits, business services, and rewards1. Plus, receive 40,000 bonus Membership Rewards points if you are approved and spend £6,000 in the first three months of Cardmembership.3
  • Basic Business Charge Card: A payment Card that helps you take care of the basics.

Eligibility requirements

Before applying for a Business Charge Card, check that both you and your business are eligible. You should be able to say yes to all of the following:

  • I am aged 18 or over
  • I have a permanent address in the UK
  • I have no County Court Judgements for non-payment of debt and neither does my business
  • The business has a current UK Bank or Building Society account
  • For a Gold Business Card or Platinum Business Card:
    • I will pay the annual Cardmembership fee of: £125 for a Gold Business Card or £450 for a Platinum Business Card
    • I understand that I will not be eligible for any Welcome Bonus award if I currently hold or have held any Membership Rewards-enrolled American Express Card in the past six months

Information you will need when applying

You can apply for an American Express Business Charge Card online. To make the process as quick as possible, ensure you have the relevant information you need before applying.

Personal information:

On the application, the personal details section is where you tell us about yourself. You will need to provide personal information including the following:

  • Your personal annual income
  • You will be asked whether you have an existing American Express Card and if so, please provide the Card number. This can help to speed up the decision-making process.

Business information:

The business details section of the form is where you tell us about your business, including:

  • Business trading address
  • Full registered name of the business, registered trading address as well as the company registration number, where applicable
  • If relevant, details of all individuals who own or control 25% or more of the company’s shares or voting rights (even if these interests are held indirectly)
  • Details of up to four Directors/ Partners/ Committee Members/ Officers, where applicable. If the business is run by a sole trader, you will need to provide details for this person

To complete the application process, we may request additional details for verification and authentification.

As soon as you’re approved and your Card arrives, activate it and then you can start using your Card.

Important information

  1. Membership Rewards points are earned on virtually 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 membershiprewards.co.uk/terms for full Membership Rewards Terms and Conditions.

  2. If you are approved and spend £3,000 on purchases on the Account within the first three months of Cardmembership, 20,000 bonus Membership Rewards points will be awarded shortly after the end of the three months. Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.

  3. If you are approved and spend £6,000 on purchases on the Account within the first three months of Cardmembership, 40,000 bonus Membership Rewards points will be awarded shortly after the end of the three months. Cardmembers who are enrolled or have been enrolled in the Membership Rewards programme in the last six months, are not eligible for the bonus. All introductory offers are subject to change and can be withdrawn at any time.

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.