Compare Best Business Cards
Find the Card that's best for your business by comparing our most popular business Cards
Business Platinum Card®
$895 Annual Fee¤†
Business Gold Card
$375 Annual Fee¤†
Blue Business Cash® Card
$0 Annual Fee¤
| platinum | gold | blue-business-cash | |
|---|---|---|---|
New Card Member Offer | |||
Annual Fee | $895 Annual Fee¤† | $375 Annual Fee¤† | $0 Annual Fee¤ |
APR | |||
Design Options |   |    | |
What You Earn | Membership Rewards® Points | Membership Rewards® Points | Statement Credits |
How You Earn | 5X pointson Flights + Prepaid Hotels Booked through AmexTravel.com‡ 2X pointsfor every dollar spent on:
Earn 2X on up to $2 million of these purchases per Card Account per calendar year.‡ To learn more about spending categories, visit www.americanexpress.com/rewards-info 1X pointsfor each dollar you spend on eligible purchases.‡ Terms and limitations apply. | 4X pointson the 2 categories where your business spends the most each billing cycle from 6 categories:
3X pointson flights & prepaid hotels booked on AmexTravel.com.‡ 1X pointsfor each dollar you spend on other eligible purchases.‡ | Earn 2% cash backon the first $50,000 of eligible purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.‡ |
| platinum | gold | blue-business-cash | |
|---|---|---|---|
Pay Over Time‡ You decide what’s best for your business - pay in full when it makes sense, or pay over time to help manage your cash flow. Eligible purchases are automatically added to your Pay Over Time balance, up to your Pay Over Time Limit. You can choose to pay for those purchases over time with interest. Any purchase - or portion of a purchase - not added to your Pay Over Time balance must be paid in full each month. | |||
$240 Flexible Business Credit‡ Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx (through 10/01/2026), Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required. | |||
Walmart+ Monthly Membership Credit‡ Receive a statement credit1 for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. 1Up to $12.95 plus applicable local sales tax. Plus Ups not eligible. | |||
Cell Phone Protection‡ With Cell Phone Protection1, you can be reimbursed, the lesser of, your repair or replacement costs following damage or theft for a maximum of $800 per claim with a limit of 2 approved claims per 12-month period, when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Additional terms and conditions apply.‡ 1Coverage is provided by New Hampshire Insurance Company, an AIG Company. | |||
No Preset Spending Limit‡ No Preset Spending Limit‡ means the 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. In certain instances, a Preset Spending Limit may apply to a Card Member’s account. If a Preset Spending Limit is applied, Card Members are notified. | |||
Expanded Buying Power‡ As business needs evolve, your spending power should too. Expanded Buying Power‡ gives you the freedom to spend above your credit limit and get business done. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. | |||
No Annual Fee¤ $0 annual fee.¤ | |||
Employee Cards‡ Employee Cards: Earn rewards.‡ Set boundaries. Stay up to date. Think of Employee Cards as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits‡ you set. You'll earn rewards‡ on their purchases, and receive real-time alerts to help you know who's spending and where. Terms, conditions and restrictions vary by individual Card products. | |||
Connect to QuickBooks®‡ Connect to QuickBooks can help you manage your employee Business Card expenses easily.‡ Employees' Business Card transactions and receipts they match to their transactions will also be automatically sent to your QuickBooks every day, so you can manage their expenses right from your QuickBooks. | |||
Account Manager‡ Don't have time to worry about Employee Cards? Assign a trusted team member as an Account Manager‡ with Full Access to add new Employee Cards for you. Your Account Manager can set spending limits‡ and track the amount each employee spends with simple graphs available in their American Express Online Account. | |||
Vendor Pay by BILL‡ Get started with Vendor Pay by BILL by enrolling your eligible American Express® Business, Corporate, or Corporate Purchasing Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for the first six months. After six months, the second user will be charged $15 per month. The Advanced plan is $59 per user per month, and the Advanced Plus plan is $99 per user per month. Additional fees may apply based on plan type, payment methods selected, accounting system integrations, and the number of users.‡ | |||
Account Alerts‡ Set up alerts. Get real-time alerts if employees spend outside of merchant types that you've approved‡ or when purchases are blocked due to the set spending limit.‡ | |||
Online Statements View your purchase history, prepare reports, and budget your expenses | |||
Year-End Summary‡ At the start of each year, we provide access to a Year-End Summary‡ of charges so you can review your annual spending. Log into your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel to help prepare for your taxes and manage your spending. | |||
$209 CLEAR+ Credit‡ CLEAR+ helps get you to your gate faster by using your face to verify you are you at 55+ airports nationwide. You can cover the cost of a CLEAR+ Membership1 with up to $209 in statement credits per calendar year after you pay for CLEAR+ with your Business Platinum Card®. 1Excluding any applicable taxes and fees. Subject to auto-renewal. | |||
Indeed Credit‡ Build your team, grow your business. Enroll and get up to $90 in statement credits per quarter year for purchases with Indeed on the Business Platinum Card. That's up to $360 back per calendar year.‡ | |||
Adobe Statement Credit Benefit‡ Get the creative solutions your business needs. Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card. | |||
Wireless Credit Enroll and get up to $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $10 back per month.‡ | |||
Dell Technologies Statement Credit Benefit‡ Upgrade your tech with the latest PCs and more. Get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on those purchases, per calendar year. Enrollment required.‡ | |||
Pay with Points‡ For destinations around the globe, Membership Rewards® points can help you get there. Use Pay with Points for flights and prepaid hotels when you book on AmexTravel.com. | |||
The Global Lounge Collection‡ With access to over 1,550 airport lounges worldwide - more than any other credit card company on the market1 - enjoy the benefits of the Global Lounge Collection®, offering over $850 in annual value. Access includes The Centurion® Lounges as well as 10 Delta Sky Club® visits to be used from February 1 until January 31 of the next calendar year. You can unlock Unlimited Delta Sky Club Access by spending $75,000 in eligible purchases on their Card in a calendar year. Priority Pass™ Select membership offers unlimited airport lounge visits for Card Members, and access to additional select partner lounges. Enrollment required. Subject to visit limitations. 1As of 07/2025. | |||
$600 Hotel Credit‡ Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection1 bookings through American Express Travel using the Business Platinum Card®. 1The Hotel Collection requires a minimum two-night stay. | |||
$200 Hilton Statement Credit‡ Enroll your Business Platinum Card through American Express and get up to $200 in statement credits per calendar year (up to $50 per quarter) for eligible purchases made directly with a property in the Hilton portfolio on the Business Platinum Card. Gift cards are not an eligible purchase. Hilton for Business program membership is required. If you do not already have a Hilton for Business account, you will be registered for one at the time you enroll in the benefit. The Hilton for Business program offers additional travel value such as access to discounted rates, travel management tools, and loyalty benefits. To learn more about Hilton for Business, visit www.HiltonForBusiness.com. | |||
Delta Sky Club® Access‡ Business Platinum Card®: Enjoy access to the Delta Sky Club® as part of the Global Lounge Collection benefit. Business Platinum Card® Members receive 10 Visits each year to the Delta Sky Club when flying on an eligible Delta flight. After the 10 visits have been used, paid access is available for $50 per Visit per person using the Business Platinum Card®. Visits are issued on February 1st of each year and can be used until January 31st of the following year. Unlock unlimited Delta Sky Club Access after spending $75,000 in eligible purchases in a calendar year on the Card. Delta SkyMiles® Reserve Business Card: Pamper yourself and enjoy access to the Delta Sky Club®. Delta SkyMiles® Reserve Business Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you'll receive four One-Time Guest Passes‡ each Medallion Year so you can share the experience with family and friends when traveling Delta together. | |||
Centurion Lounge Access‡ Business Platinum Card®: Members can unlock Complimentary Guest Access after spending $75,000 in eligible purchases in a calendar year and may bring up to two (2) guests per visit into locations of The Centurion® Lounge in the U.S. and select international locations. Complimentary Guest Access is limited to two (2) guests per visit, per Card Member, regardless of whether you are eligible for complimentary guest access through multiple Platinum Accounts or through other Amex Cards. Card Members who have not met the purchase threshold may bring guests at a rate of $50 USD per visit (or $30 USD for children aged 2 through 17). Effective July 8, 2026, all guests must be traveling on the same flight as the Card Member. Please visit thecenturionlounge.com (the "Centurion Lounge Website") to learn more about guest access policies for international locations of The Centurion Lounge. Once effective on the Account, Complimentary Guest Access will be available for the remainder of the calendar year in which it became effective, plus the following calendar year, and until January 31 of the next calendar year. Delta SkyMiles® Reserve Business American Express Card: Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge‡ in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability) , and Escape Lounges‡ when flying on a Delta flight booked with your Card. To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.‡ | |||
35% Airline Bonus‡ Use Membership Rewards® Pay with Points for all or part of an eligible flight booked through American Express Travel with your selected qualifying airline and get 35% of those points back, up to 1,000,000 points back per calendar year.‡ | |||
Fee Credit for Global Entry or TSA PreCheck‡ Business Platinum Card®: Receive either a $120 statement credit for a Global Entry application fee or a statement credit up to $85 for a TSA PreCheck® (through a TSA official enrollment provider) application fee every 4 years, when charged to the Business Platinum Card. If approved for Global Entry you will also receive access to TSA PreCheck at no additional cost.‡ Delta SkyMiles® Reserve Business Card & Delta SkyMiles® Platinum Business Card: Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Reserve Business Card or Delta SkyMiles® Platinum Business Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. To read the full terms and conditions, visit www.americanexpress.com/expeditedtravel. | |||
No Foreign Transaction Fees¤‡ No Foreign Transaction Fees on international purchases.¤‡ | |||
Trip Delay Insurance‡ Business Platinum Card® & Delta SkyMiles® Reserve Business Card: Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance‡ can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.1 1Coverage is provided by New Hampshire Insurance Company, an AIG Company. Business Gold Card & Delta SkyMiles® Platinum Business Card: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance‡ can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.2 2Coverage is provided by New Hampshire Insurance Company, an AIG Company. | |||
Trip Cancellation and Interruption Insurance‡ Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply.1 1Coverage is provided by New Hampshire Insurance Company, an AIG Company. | |||
Fine Hotels + Resorts®‡ When you book a Fine Hotels + Resorts® or The Hotel Collection stay through American Express Travel® you can earn Membership Rewards® points. Plus, you still earn loyalty points with hotels1 1Hotel brands with loyalty or rewards programs and the terms and conditions applicable thereto are subject to change. Please contact hotels directly for information on individual loyalty or reward program rules and restrictions. Card Members may be required to provide correct loyalty information upon arrival to the property.‡ | |||
Platinum Nights by Resy‡ With Platinum Nights by Resy, you can get special access to reservations on select nights at in-demand restaurants in select cities with your Business Platinum Card®. Simply add your eligible Card to your Resy profile to discover and book Platinum Nights reservations.‡ | |||
Leaders Club Sterling Status from The Leading Hotels of the World®‡ With the Business Platinum Card, you can receive complimentary Leaders Club Sterling Status from The Leading Hotels of the World®. Enjoy exclusive benefits at over 400 independent luxury hotels worldwide1 — including upgrade opportunities subject to availability, daily breakfast for two, and on-property perks. Enrollment required.‡ 1As of 4/2025 | |||
The Hotel Collection‡ Take advantage of a $100 credit towards eligible charges1 at over 1,300 upscale hotels worldwide every time you book The Hotel Collection through AmexTravel.com.2‡ 1Eligible charges vary by property. 2The Hotel Collection requires a two-night minimum stay. | |||
Complimentary Hilton Honors Status‡ With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn an 80% Bonus on the Hilton Honors Base Points you earn, helping you reach reward stays faster. Enrollment Required. | Hilton Honors™ Gold | ||
Complimentary Marriott Bonvoy Status‡ Marriott Bonvoy Business® American Express® Card: With complimentary Marriott Bonvoy Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit. Business Platinum Card®: As a Platinum Card Member, you can receive Marriott Bonvoy® Gold Elite Status without meeting any stay requirements. Enrollment required. Terms and limitations apply. | Marriott Bonvoy® Gold Elite | ||
Business Platinum Travel Service Platinum travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.‡ | |||
Extended Warranty♦︎ With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer’s Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. | |||
Purchase Protection♦︎ When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦︎ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions. | |||
Return Protection‡ With Return Protection‡, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase.1 1American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. | |||
Amex Special Ticket Access‡ Amex Special Ticket Access‡ Card Members can access Amex Presale Tickets® and Amex Reserved Tickets® to select can’t-miss events and moments across sports, music, and more.1 1While supplies last, not all seats may be offered. | |||
Relationship Care® When you become an American Express® Business Card Member, you can receive our special brand of Relationship Care® service. Whenever you have questions or concerns about your American Express Business Card, you can rely on us to give you answers 24/7. Simply call the number on the back of your Card to speak to one of our Customer Care Professionals who are specially trained to understand the needs of small business owners and can provide you with business-savvy support. | |||
Dispute Resolution‡ If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡ | |||
Baggage Insurance Plan♦︎ Baggage Insurance Plan♦︎ coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage varies by Card product and is in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions. | |||
Car Rental Loss and Damage Insurance♦︎ Car Rental Loss and Damage Insurance♦︎ can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. | |||
Global Assist® Hotline‡ Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third - party service providers. Other terms and conditions apply. | Premium | ||
Car Rental Privileges Business Platinum Card Members enjoy complimentary premium status for select car rental programs. Business Platinum Card Members can view their specific Car Rental Privileges online by logging into their American Express account. Card Members must enroll through their American Express online account using their eligible Card. Terms and limitations apply.‡ | |||
American Express One AP® Statement Credit‡ Unlock up to $2,400 in statement credits for use in the next calendar year on American Express One AP® monthly fees1 after you spend $250,000 on eligible purchases in this calendar year.2 Statement credits will be applied to your monthly bill charged to the Card for our accounts payable solution, One AP. 1Monthly fees include an auto-renewing platform access fee, transaction fees based on One AP usage, and applicable taxes. 2Statement credits valid from January 1 through December 31 of the calendar year after the calendar year in which you spend $250,000 on eligible purchases. | |||
Amex Travel Online Flight Statement Credit‡ Unlock up to $1,200 in statement credits on flights booked on Amextravel.com with the Business Platinum Card, for use in the next calendar year1, after spending $250,000 in eligible purchases in this calendar year. Learn more and explore destinations at Amextravel.com.‡ 1Statement credits valid for flights booked on Amextravel.com between January 1 and December 31 of the calendar year after the calendar year in which you make $250,000 in eligible purchases with the Business Platinum Card. | |||
$300 ChatGPT Business Credit‡NEW Start using ChatGPT Business for work—with a shared workspace, admin controls, and connectors to your company tools. Get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business1 on the Card. Enrollment required. 1Subject to auto-renewal | |||
$150 Squarespace Credit‡ Create a customizable website or online store with an all-in-one solution from Squarespace. Enroll and get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace on the Business Gold Card.1 1Subscription purchases subject to auto-renewal. |
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