Question 1

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

Accepted Answer

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.

Question 2

What will my business be required to pay each month?

Accepted Answer

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.

Question 3

Will my business be charged interest?

Accepted Answer

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.

Question 4

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

Accepted Answer

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 entertainment. Cash 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.

Question 5

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

Accepted Answer

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.

Question 6

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

Accepted Answer

Yes, you can apply for an American Express Small Business Card online.

Question 7

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

Accepted Answer

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)

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Marriott Bonvoy Business^® Card

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Earn 6X Marriott Bonvoy^® points at hotels participating in the Marriott Bonvoy^® program^‡

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Hilton Honors Business Card

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12X Hilton Honors Bonus Points on Eligible Hilton Purchases^‡

5X Hilton Honors Bonus Points on Other Eligible Purchases (Points cap applies)^‡.

Get up to $240 Back Per Year on Eligible Hilton Purchases^‡

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Turn business trips into hotel points and benefits

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Marriott Bonvoy Business® Card

Featured Benefits

Earn 6X Marriott Bonvoy® points at hotels participating in the Marriott Bonvoy® program‡

Marriott Bonvoy® Room Rate Discount‡

Marriott Bonvoy® Gold Elite Status‡

Hilton Honors Business Card

Featured Benefits

12X Hilton Honors Bonus Points on Eligible Hilton Purchases‡

5X Hilton Honors Bonus Points on Other Eligible Purchases (Points cap applies)‡.

Get up to $240 Back Per Year on Eligible Hilton Purchases‡

Discover which Card with Flexible Payment Solutions is best for your business

Learn More About Hotel Cards

Compare Cards

Business Services Home
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Hotels (2)
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Marriott Bonvoy Business^® Card

Earn 6X Marriott Bonvoy^® points at hotels participating in the Marriott Bonvoy^® program^‡

Marriott Bonvoy^® Room Rate Discount^‡

Marriott Bonvoy^® Gold Elite Status^‡

12X Hilton Honors Bonus Points on Eligible Hilton Purchases^‡

5X Hilton Honors Bonus Points on Other Eligible Purchases (Points cap applies)^‡.

Get up to $240 Back Per Year on Eligible Hilton Purchases^‡