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WHATEVER SIZE
YOUR BUSINESS,
AMERICAN EXPRESS
HAS YOUR BACK.

The many ways American Express helps you say, “Yes!”, to your company’s best and biggest ideas.
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    Small Businesses

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    Mid-sized Businesses

    Starting at $4M Revenue
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    Large Businesses

    Starting at $10M Revenue
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How can we help you?
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    Secure funding for your business

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    Manage travel & expenses

  • dls-icon-cards

    Select a Business Card

  • 05-membership/dls-icon-point-3x

    Pay suppliers globally

  • dls-icon-rewards

    Get rewarded for spending

Need extra cash to offset expenses, invest in products, expand locations? American Express has the financing you need. View all of our funding options
American Express Business Loans

Term Loans

Fund big ideas, consolidate debt, or get cash quickly with term loans for pre-approved Cardmembers and Merchants.
Available for
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See Funding Options
American Express Working Capital Terms

Working Capital Terms

We pay your vendors up front, you pay us back later. As an eligible American Express® Business Card Member, you can enroll once with no credit check, then get ongoing access to funds to pay vendors as often as you need
Available for
S
M
Learn About Working Capital Terms
American Express Business Cards

Business Cards

Not a Card Member yet? Find the right Card to help you buy what you need, when you need it.
Available for
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M
View All Cards
We help manage your employees’ expenses with our range of business solutions.
American Express Spend Manager

Spend Manager

Wherever you go, our Spend ManagerSM mobile app gives you oversight and control to manage all your employees' expenses. It’s a benefit of all our Business Cards!
Available for
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M
Learn More
American Express vPayment

vPayment

VPayments streamline expense reconciliation and reimbursement, reduce billing errors, and increase control - down to individual transactions.
Available for
M
L
Learn More
American Express @Work

American Express @Work®

A single online portal simplifies oversight of all your employees' American Express Corporate Cards.
Available for
M
L
Learn More
Business Cards and Corporate Card Programs help you manage your finances and do business while earning rewards.
American Express Business Cards

Business Cards

Unlock the buying power to grow your business, and earn valuable rewards or cashback in the form of a statement credit.
Available for
S
M
Learn More
American Express Custom Corporate Program

Custom Corporate Program

Streamline expense management, increase efficiency and visibility – and reduce fraud risk.
Available for
M
L
Learn More
Make simple and secure international payments with no set-up or account maintenance fees.
American Express FX International Payments

FX International Payments

Streamline and simplify your international supplier payments.
Available for
S
M
L
Learn More
American Express Supplier Payment Solutions

Supplier Payment Solutions

Drive down costs and gain efficiency and flexibility with customizable supplier payments.
Available for
M
L
Learn More
Get the flexibility of rewards based on your business needs so you can maximize your everyday spending, big purchases and reinvest in your business.
American Corporate Card Rewards

Corporate Card Rewards

Save money by using Membership Rewards® to make essential business purchases - or as an employee bonus to build retention.
Available for
M
L
Learn More
American Express Business Card Rewards

Business Card Rewards

Choose the "return" on expenses that helps your business most - Membership Rewards® points or cash back in the form of a statement credit.
Available for
S
M
Learn More
Rewards on International Payments from American Express

Rewards on International Payments

Boost your Membership Rewards® account balance by paying foreign suppliers through our easy, secure online platform.
Available for
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M
L
Learn More

Terms and Conditions

Earning Cash Back
How you will get the cash back: You will receive cash back as a statement credit. Cash back will appear on the second billing statement after the billing statement on which the eligible purchases appear. You will not receive cash back if your Card account is cancelled or in default at the time of fulfillment.
Employee Cards Rewards
Terms, conditions and restrictions vary by individual Card products.
Employee Card 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 www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.
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.
Spend ManagerSM
Spend ManagerSM is a feature of American Express Business and Corporate Cards. 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 year that the receipt was uploaded or (2) the date that your online account is closed. Notwithstanding the foregoing, American Express may delete or purge receipts for any reason in its sole discretion, with or without notice.
Spend ManagerSM Mobile App
The Spend ManagerSM Mobile App is only available with American Express Business and Corporate Cards. Not all functionality is available with Corporate Cards. The Spend Manager℠ Mobile App is only available on the App Store(R) 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.
American Express @ Work®
Use of American Express @ Work® is restricted to employees, contractors and/or agents that the Company, and its representatives designate for the sole purpose of performing online account queries and maintenance, including accessing and/or creating reports relating to the Company's American Express® Corporate Card programs.  @ Work is available to all companies with an American Express Corporate Card program.
Enrollment is required. To enroll in @ Work please contact your American Express Representative or call 1-888-800-8564.
American Express® Merchant Financing
American Express® Merchant Financing loans are commercial loans secured by business assets, excluding real property and motor vehicles. Merchant Financing is not a purchase/discounting of receivables or a cash advance. To be eligible for a Merchant Financing loan, your business must accept the American Express® Card and satisfy other eligibility requirements. A business can have only one Merchant Financing loan at a time. Not all industries are eligible for a Merchant Financing loan. This offer is only good for this specific invitation for a One-Year Financing loan of $35,000 or less, for which a personal guaranty may be required. A fixed fee ranging from 7%–12% of the loan amount will apply. If you opt for a One-Year Financing loan greater than $35,000, a fixed fee ranging from 3.5%–10% will apply. After you submit an application for a loan, and if approved, we will tell you how much your business can borrow, the fee for the loan and the repayment method, which will each be determined based on the creditworthiness of you and/or your business and other factors. If approved for a loan, funds will be disbursed into your business bank account. Repayment is through automatic debits via ACH every business day in a fixed amount from your business bank account. To remain in good standing, your business must continue accepting the American Express® Card during the term of the loan, meet minimum repayment obligations, and satisfy other criteria contained in your loan agreement. Late fees and fees for insufficient funds may be assessed.
Working Capital Terms from American Express
Program Enrollment. Before you can submit a loan request, you must submit an application to enroll in Working Capital Terms. Your eligibility to enroll in Working Capital Terms is based on information we have about you, including your credit history. We may not approve, or may revoke your ability to submit, an application if there has been any material changes to the financial condition or creditworthiness of you and/or your business or for other reasons permitted under applicable law. If you are the Basic Card Member on more than one Business Card from American Express OPEN, you may only enroll one of the businesses in Working Capital Terms. Eligibility for the program is conditioned upon your agreement to use electronic records and signatures, and electronic communication (including email), in the origination and administration of funding requests.
Working Capital Terms Program-Funding Requests. The minimum funding request is $1,000 and the maximum funding request is $750,000. To request funds, you must (i) be enrolled in the program; (ii) have identified at least one vendor; and (iii) have linked at least one business bank account. If we approve a funding request, the funds will be automatically sent to the vendor's bank account via ACH within 2 business days. The funds requested will not be sent to you. We may need up to an additional 2 business days to verify the vendor information you provide. We may refuse to send payments to a vendor on your behalf if we determine the vendor is not eligible to receive payments from us. If we are not able to debit an amount equal to the total amount due for a funding request(s) before the twentieth day after the applicable auto-debit date, we will charge a late payment fee. The late payment fee will be calculated as a percentage of the total amount due, which on a monthly basis shall be increased to reflect any unpaid late payment fees until the outstanding balance is paid in full. The amount you can borrow and the fee can change. They are based on the overall financial profile of you and your business, including your history with American Express and other financial institutions, and your credit record data. For your convenience, the amount you can borrow and the fee are always displayed in your Working Capital Terms dashboard. Fees are between 0.5% - 1.75% for 30 days, 1.0% - 3.5% for 60 days, and 1.5% - 5.25% for 90 days. Not all customers will be eligible for the lowest fee. Fees are subject to change.
American Express® Business Loans
You must be pre-approved for a Business Loan offer in order to apply. Your pre-approved loan amount and maximum APR are based on the creditworthiness of you and your business and other factors. Pre-approved APRs are between 6.98% APR and 19.97%, as of 8/22/18. Not all customers will be pre-approved for the lowest APR or the highest loan amount. Offer availability is subject to change. You must submit an application to apply for a loan. We may not approve your application if there has been any material change to the financial condition or creditworthiness of you and/or your business, as a result of our fraud review or for other reasons under applicable law. Additional terms and conditions apply. For more information, please visit https://www.americanexpress.com/us/business-loans/
FX International Payments
FX International Payments is a service of American Express Travel Related Services Company, Inc. (“American Express”). This service is not available to consumers. To enroll in the service, your business will be required to complete an application which is subject to review and approval by American Express. For a copy of the application, including terms and conditions, call 1-888-391-9971.
1. FX International Payments incorporates encryption, both for stored data (such as account information) and for payments created and transmitted in real-time. The FX International Payments platform is deployed within American Express’ state of the art data center that features advanced online and offline security and monitoring against internet attacks. FX International Payments implements American Express standards relating to information integrity, transaction security and information security.
2. American Express makes money from currency exchange.
3. Transfer times for Outgoing Wire Transfers, typically 1-4 business days (delivery times depend on currency and country).
4. Forward contracts are not suitable for every business. American Express is not providing you with legal, tax or financial advice. We recommend that you consult your own advisers to determine whether Forward Contracts are suitable for you. Eligibility requirements apply.
5. One (1) Membership Rewards® point will be awarded for every USD $30 your business wires internationally using the FX International Payments (“FXIP”) service. The maximum award per transaction is 4,000 points. Not valid for same currency wire transactions (e.g. US Dollar to US Dollar). For a designated Card Member to be eligible to receive Membership Rewards points, your business must first enroll in the FXIP service. Your business must also complete and submit to us a form designating an American Express Card Member who is already enrolled in the individual Membership Rewards program to whom points will be credited. With respect to a company enrolled in the Corporate Membership Rewards program, any earned points will be credited to the relevant Program Administrator Corporate Card linked to the company’s Membership Rewards program. If you select a basic personal American Express Card Member or a basic small business American Express Card Member (e.g., OPEN from American Express) to receive the award of Membership Rewards points, please note that the designated Card Member for that personal or small business account is authorized to determine how and when to redeem those points. You agree not to make any claims against American Express with regard to the manner in which the basic Card Member redeems such points. The American Express Card Member you select to receive the award of points, or in the case of Corporate Membership Rewards, the company, must be current and enrolled in the Membership Rewards program at the time the transaction is initiated. FXIP must have a completed registration on file for the Card Member’s Card account or company’s Program Administrator Card Corporate Card account, and there must be no unpaid FXIP obligations of your business or other violation of or defaults under the FXIP Terms and Conditions at the time of point fulfillment. No points will be awarded retroactively for transactions processed prior to the enrollment of the business in the FXIP service and the processing of the Membership Rewards program registration form. In the event a registered Card is lost, stolen or renewed, you must register the new Card by submitting an updated form to FXIP with the new Card information. Processing of the registration form takes approximately 2-4 weeks. To obtain a registration form, call 1-888-391-9971. Points will be credited to the Card Member’s Membership Rewards program account or Corporate Membership Rewards account, if applicable, within 10-12 weeks after the eligible transaction is completed. Membership Rewards points that are awarded for transactions with FXIP are subject to the terms and conditions of the Membership Rewards program, including rules regarding forfeiture of Membership Rewards points. Note that the rewards available in the Membership Rewards program vary depending on the type of American Express Card enrolled in Membership Rewards. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo. Participating partners and available rewards are subject to change without notice. See membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. A company that is enrolled in Corporate Membership Rewards, and points earned under that program, are subject to the terms of the Corporate Membership Rewards program (see membershiprewards.com/CorporateTnC). Transactions by university or financial institution clients are not eligible for this offer. FXIP reserves the right to change, limit, modify or cancel this offer at any time.
Bonus ID A9PE
It is your responsibility to find out if you are liable for any federal, state or local taxes as a result of earning or using points.
Click here for information about addressing complaints regarding our money services business, lists of our money services business licenses and other disclosures.
vPayment
Fraud Risk:
vPayment can help reduce the risk of fraud with transaction-level controls which allow your company to set a specific date range and amount for payments.