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Small Business Cards

Built For Business Owners

Choose the Card that's right
for your business

Why get a Business Charge Card

The American Express Platinum and Gold Business Charge Cards are designed to help small business owners manage finances, improve cash flow and stay in control of everyday expenses, whilst earning rewards at the same time.

Unlike Credit Cards, Charge Cards have no pre-set spending limit. Your spending limit depends on your Card usage, and is based on factors including your current spending patterns, payment history, credit record and financial resources. This enables your purchasing power to evolve with your business. 

Charge Cards can help ease your cash flow management, as you will get 54 deferred payment days on purchases (obtained if you spend on the first day of the new statement period and repay the balance in full on the due date). This means you will have no interest charges, as the balance is paid in full at the end of each month.  Plus with the American Express Charge Cards you will earn Membership Rewards points on every full £1 spent on the Card.4

Terms and Conditions

1. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held any other Membership Rewards enrolled American Express Cards in the past 6 months.
2. With this offer the first year’s Cardmembership is complimentary and then the annual Cardmembership fee is £125. From year two of your membership, a £125 annual Cardmembership fee will automatically be charged to your account on or after the anniversary of your account opening date.
3. 4 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Business Credit Card (except for purchases made at warehouse retailers in the United Kingdom e.g. Costco where you will collect points at the rate of 1 point for every full £1) and 2 points on your Nectar Business card at most participating Nectar partners. For BP, Ebay, Expedia, Homebase and Vision Express, different points levels apply as the base earn rate on the loyalty card varies. See nectar.com for details.
4. Points are not earned on American Express Travellers Cheques, Foreign Exchange, Express Cash transactions and other Account Charges Including Membership Rewards fees and annual Card fees. Read the full terms and conditions here

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Company Number 1833139. American Express Services Europe Limited is authorised in the United Kingdom by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services.

Gold Business Card Offer

Welcome Bonus of 20,000 Membership Rewards points if you are approved and spend £3,000 in the first three months of Cardmembership. That's enough for a business class return flight to selected European destinations. Terms, taxes and fees apply.2

Learn More Click here to learn more about the Gold Business Card