Business Credit Cards from American Express

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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 Cards.

Amex Offers

Amex Offers is a simple and easy way to make your life more rewarding. With offers for shopping, dining, travel, and more, there's something for everyone. Adding offers to your Card is quick, easy, and best of all, incredibly rewarding.

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 Cards from American Express.

Support

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

Frequently Asked Questions (FAQs)

American Express offers a range of Small Business Credit 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 Card from American Express that's right for your business.

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

Why would my business benefit from choosing an American Express Small Business Card?
There are many benefits to choosing a Small Business Card from American Express, including:

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 Cards

Buying Power and Cash Flow Management: These products can help you manage cash flow over short periods and can help provide the buying power for large business purchases.

Expense Management Tools: Leverage a suite of expense management tools, such as American Express^® Business App^‡, Year-End Summary^‡, and Account Manager^‡ to track and organize your business expenses and help you efficiently manage your cash flow.
What kind of spending limit will my business get?
American Express Small Business Cards give you either a set credit limit based on financial details and information we receive in your application, or a No Preset Spending Limit^*. No Preset spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history^‡.

^*No Preset Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.
What will my business be required to pay each month?
Depending on which American Express Business Card you choose, you could have the option to pay in full or carry a balance each billing cycle. For traditional credit cards, a minimum amount is due and any unpaid balance at the end of a billing period will incur interest charges.

For Cards with the Pay Over Time option (Business Platinum, Business Gold, Business Green Rewards), Card Members have the option to carry a balance with interest on eligible charges of $100 or more. These purchases that meet the threshold made by the Basic Card Member or any Additional/ Employee Card Member will automatically be included in a Pay Over Time balance each month.

At the end of each billing cycle, the Card Member can choose to pay the statement balance in full without interest, pay the minimum amount due, or pay any amount in between with interest^‡.

Plum Card Members can earn unlimited 1.5% cash back on the portion of your balance that you pay within 10 days of your statement closing date. There's no cap on how much you can earn and no purchase categories - just savings applied to your next statement.^‡ Minimum Payment Due must be paid by the Payment Due Date.
Will my business be charged interest?
If you revolve any outstanding balance beyond your billing period, you will be subject to variable interest rates that depend on a number of factors.
How can I use Small Business Credit Cards from American Express to benefit my business?
From offsetting purchases on your statement or reducing travel expenses, to rewards from leading brands and Early Pay Discount^‡, Small Business Cards from American Express can help in areas that matter to your small business.Choose a Small Business Card with the type of rewards that are best for your business:Membership Rewards^®^‡: Your business can automatically earn points on eligible purchases you or your employees make. American Express offers a range of Business Cards that allow you to earn Membership Rewards^® points. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainmentCash back: use your American Express Small Business Card to help your business reduce costs with an Early Pay Discount^‡ or cash back in the form of a statement credit.Partnership rewards: get rewards with our travel and business partners when you make an eligible purchase with your American Express Small Business Card.
How can I apply for an American Express Small Business Credit Card?
Review the full range of Small Business Cards we have available and after choosing the Card that's right for your business, call us at 1-877-673-6758 to apply by phone. We're happy to help you find the Small Business Card that's right for you. To apply for an American Express Small Business Card, you need to be authorized by your company to make financial decisions on its behalf. Only qualified individuals 18 or over may be approved for a Card Account.
Can I apply for an American Express Small Business Credit Card online?
Yes, you can apply for an American Express Small Business Card online.
What do I need to apply for an American Express Small Business Card?
As an individual authorized to make financial decisions on behalf of your company, you will need to supply the following information about the business:- Your company's email address- Your company's legal business name- The business name you would like to appear on the card. It may be different from your company's legal name- Your company's business address and phone number- Type of industry your business is engaged in (for example: construction, manufacturing, consulting)- Company structure(for example: limited liability company, corporation, partnership, sole proprietorship)- Number of years your company has been in business- Number of employees- Annual business revenue- Federal Tax ID, or Social Security number (if sole proprietorship)

^‡Benefit Terms

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

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. If you use this feature, 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.

Account Manager

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

American Express Business App

The American Express^® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. 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 calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex^® Business App is available on the App Store^® 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.

No Preset Spending Limit

No preset spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Year–End Summary

The Online Year–End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.

Enjoy exceptional rewards and benefits of Business Cards from American Express

Rewards

Amex Offers

Expense Tools

Support

Frequently Asked Questions (FAQs)

Benefits of an American Express Small Business Credit Card

Why would my business benefit from choosing an American Express Small Business Card?

What kind of spending limit will my business get?

What will my business be required to pay each month?

Will my business be charged interest?

Using Your American Express Small Business Card

How can I use Small Business Credit Cards from American Express to benefit my business?

Applying for an American Express Small Business Card

How can I apply for an American Express Small Business Credit Card?

Can I apply for an American Express Small Business Credit Card online?

What do I need to apply for an American Express Small Business Card?

‡Benefit Terms

Membership Rewards® Program