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Compare Best Business Credit and Charge Cards

Find the Card that's best for your business by comparing our most popular business Credit and Charge Cards

Business Platinum Card<sup>&#174;</sup>
Business Platinum Card®
$450 Annual Fee†¤
Business Gold Rewards Card
Business Gold Rewards Card
$0 intro annual fee for the first year, then $175†¤
Plum Card<sup>&#174;</sup>
Plum Card®
$0 intro annual fee for the first year, then $250†¤

Business Platinum Card®

$450 Annual Fee†¤

Business Gold Rewards Card

$0 intro annual fee for the first year, then $175†¤

Plum Card®

$0 intro annual fee for the first year, then $250†¤
Going Places Means Getting Rewarded
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.‡
  • 50% more points on qualifying large business purchases‡ and 35% points back on flights with your selected airline.‡
Get more points where your business spends more‡
Built in flexibility to help you manage your cash flow
  • A 1.5% Early Pay Discount with no cap‡
  • Take up to 60 days to pay with no interest‡
Learn More
Learn More
Learn More
Benefits
Membership Rewards® Points
Membership Rewards® Points
Early Pay Discount & Extra Days To Pay
5X
points on flights and prepaid hotels on amextravel.com‡
1X
points on other purchasesTerms and limitations apply.‡
3X
on one of the following:
  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases for shipping
  • U.S. purchases at gas stations
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
2X
on the remaining four categories
1X
on other purchases
Terms and limitations apply.‡ 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.
You decide when you pay. Get a 1.5% discount with no cap on what you can get back when you pay early, take up to 60 days to pay without interest, or both each month.
1.5%
early pay discount‡
Up to 60 days to pay‡
Card Type
Charge Card
Charge Card
Charge Card

No interest charges because you pay your balance in full each month.‡

For months when you may need additional time to pay, we offer a feature that allows you to pay certain purchases over time with interest. If eligible, you may be given the option to enroll in the Pay Over Time feature, and if you choose to enroll, you will accrue interest on all eligible purchases when you choose to carry a balance.‡¤

No interest charges because you pay your balance in full each month.‡

For months when you may need additional time to pay, we offer a feature that allows you to pay certain purchases over time with interest. If eligible, you may be given the option to enroll in the Pay Over Time feature, and if you choose to enroll, you will accrue interest on all eligible purchases when you choose to carry a balance.‡¤

Option to pay in full each month
Option to carry a balance up to 60 days with no interest‡

Card Membership Benefits

Extended Warranty♦︎
Purchase Protection♦︎
Return Protection‡
Concierge Service‡
American Express Preferred Seating‡
Entertainment Access‡
Relationship Care® Service
Dispute Resolution‡
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
♦︎‡†Offer & Benefit Terms|¤Rates & Fees

Travel Benefits

Baggage Insurance Plan♦︎
Car Rental Loss and Damage Insurance♦︎
Roadside Assistance Hotline‡
Premium Roadside Assistance‡
Global Assist® Hotline‡
Premium Global Assist® Hotline‡
Travel Accident Insurance♦︎
FINE HOTELS & RESORTS‡
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
♦︎‡†Offer & Benefit Terms|¤Rates & Fees

Fees

Annual Membership Fee
$450¤
$0
intro annual fee for the first year, then $175†¤
$0
intro annual fee for the first year, then $250†¤
Employee Card Fees
$300
annual fee for each Employee Business Platinum Card¤
$0
introductory annual fee for Employee Business Gold Rewards Cards in the first year, then, $50 for the first Employee Card and no fee for other Employee Cards¤
$0
annual fee for each Employee Plum Card†¤
Cash Advance Fee
Charge Cards do not offer cash advances
Charge Cards do not offer cash advances
Charge Cards do not offer cash advances
Foreign Transaction Fees¤
Do business globally and pay no foreign transaction fees on your purchases.‡
Do business globally and pay no foreign transaction fees on your purchases.‡¤
Do business globally and pay no foreign transaction fees on your purchases.
Late Payment Fee
$38 or 2.99%
of any past due Pay in Full amount, whichever is greater¤
$38 or 2.99%
of any past due Pay in Full amount, whichever is greater¤
1.5% then 2.99%
of the past due amount (minimum:$38)¤
Over-the-Credit-Limit Fee
—
—
—
Returned Payment Fee
$38¤
$38¤
$38¤
APR On Purchases
No APR on PurchasesUnless you are enrolled in the Pay Over Time feature.
No APR on PurchasesUnless you are enrolled in the Pay Over Time feature.
No APR on Purchases
APR On Cash Advances
Charge Cards do not offer Cash Advances.
Charge Cards do not offer Cash Advances.
—
Penalty APR
No Penalty APR on PurchasesUnless you are enrolled in the Pay Over Time feature.
No Penalty APR on PurchasesUnless you are enrolled in the Pay Over Time feature.
—
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
♦︎‡†Offer & Benefit Terms|¤Rates & Fees
Enjoy exceptional rewards and benefits

Explore the benefits you receive with every business Credit Card and Charge Card from American Express OPEN

  • Spend ManagerSM

    Spend ManagerSM is a feature available to help you manage your Card expenses by allowing you to add receipts and notes to your transactions either via desktop or your mobile device.1

    Learn More
  • 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.

  • Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card use and more.

    Learn More
  • Account Manager

    Assign a trusted employee or business partner to be an Account Manager on your Business Card account.2 They can handle your tasks like reviewing statements, making payments, and disputing charges on your Business Cards, so you're free to focus on other aspects of your business.

    Learn More
  • Online Statements

    View your purchase history, prepare reports, and budget your expenses

  • Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps can make it easier to manage your Card account whenever it's convenient for you.

  • OPEN Forum®

    You have ideas. OPEN Forum has articles and information to help you push them forward. Get tools and advice for growing your business from industry experts and other business owners

    Learn More
  • Year-End Summary

    At the end of the year, see a complete summary that categorizes your spend by month and purchase type, and helps you track your business expenses down to the last detail.3

    Learn More

Benefit Terms

1. 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.

2. Account Manager

Account Managers and Agents must be at least 18 years old.

3. 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.

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