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Enjoy exceptional rewards and benefits of Business Credit Cards and Charge Cards from American Express

Make the most out of your company's purchases.

  • Rewards

    Earn Membership Rewards®points, cash back in the form of a statement credit or partner rewards for purchases you and your employees make with your Business Credit Cards.

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  • Buying Power

    Gain buying power to help conveniently pay for large business purchases. American Express Business Cards are designed to fund businesses in a big way.

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  • Expense Tools

    Leverage a suite of expense management tools to track and organize your business expenses and help you efficiently manage your cash flow with Business Credit Cards from American Express.

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  • Support

    World-class customer support 24/7 with Customer Care Professionals specially trained to understand the needs of business owners.

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Frequently Asked Questions (FAQs)

American Express offers a range of Small Business Credit Cards and business Charge Cards to help your business grow. Enjoy benefits across our suite of products such as cash back in the form of a statement credit, travel rewards, flexible payment options, and Membership Rewards® points. Choose the Small Business Credit Card or Charge Card from American Express that's right for your business.

Below are some Frequently Asked Questions to help you select the Small Business Credit Card or Charge Card that's best for your business:

Benefit Terms

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.

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 Visit www.membershiprewards.com/pointsinfo

No Interest Charges

If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time.

Pay Over Time Feature

If eligible, you may be given the option to enroll in a Pay Over Time feature that allows you to pay certain purchases over time. If you choose to enroll in this feature, you will accrue interest on eligible purchases when you choose to carry a balance.

Plum Early Pay Discount

Get a 1.5% discount on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due by your Payment Due Date. The discount will appear as a credit on the following billing statement. Eligible charges are purchases for goods and services minus returns and other credits. Eligible charges do NOT include previously deferred amounts, past due amounts, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

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