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American Express is known for offering some of the most rewarding credit cards. The best Amex business credit cards make it easy to earn bonus points on your usual expenses. Whether it’s plane tickets, advertising, office supplies, or something in between, there is an option for you.

Best Amex business credit cards
Best American Express business credit cards Photo by rawpixel.com from Pexels

Quick List of the Best Amex Business Credit Cards

Best American Express Business Credit Cards 2019

Business Platinum Card from American Express

The Business Platinum® Card from American Express can be a business traveler’s best friend. This card is loaded with perks:

  • $200 airline fee credit
  • Complimentary airport lounge access
  • Global Entry or TSA PreCheck fee credit
  • Earn 5x points on flights and prepaid hotels booked on AmexTravel.com
  • Earn 1.5x points on purchases larger than $5,000 (1x point on everything else)
  • Transfer points to airline and hotel loyalty programs
  • Get 35% points back when booking flights on amextravel.com (up to 500,000 points annually)
  • Upgraded Marriott Bonvoy and Hilton Honors loyalty status
  • Enroll to get up to $200 in annual Dell statement credits (cardholders get up to $100 semi-annually for U.S. Dell purchases – terms apply)

The Business Platinum Card from American Express is best for frequent flyers. You earn double the points on plane tickets compared to most rewards credit cards. Plus, free airport lounge access includes The Centurion, Priority Pass, Delta Sky Club, and Plaza Premium networks.

Your points are most valuable when redeemed for award flights. Each point is worth 1 cent each when redeeming award flights on AmexTravel.com. You get 35% of your points back on one airline of your choice plus business or first-class flights booked on any airline.

So if you redeem 40,000 points for a flight, you get 14,000 points back to redeem a second time.

The 1:1 Membership Rewards airline and hotel transfer partners are a potentially more valuable redemption option. Some of the airline partners include Delta, British Airways, Emirates, Qantas, and Singapore Airlines.

This card does have a $595 annual fee but no transaction fee (See Rates & Fees). Plus, new cardholders can earn 75k points.

Welcome Offer

To earn the 75k, you’ll first have to spend $10,000 on qualifying purchases within the first 3 months of card membership, which will earn you 50,000 points. Then, spend an extra $10,000 on qualifying purchases during the same 3 months to earn the additional 25,000 points.

So, this means you’ll need to spend $20,000 on qualifying purchases in the first 3 months of account opening to earn the 75,000 points.

You also get one free year of Platinum Global Access from WeWork when you enroll by December 31, 2019.

American Express Business Gold Card

The American Express® Business Gold Card lets you earn Membership Rewards points. Your first $150,000 in combined annual spending earns 4 Membership Rewards per $1 on the two categories which your business spent the most each billing cycle:

  • Airfare purchased directly from the airlines
  • Advertising in select media (online, TV, and radio) – U.S. purchases only
  • U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
  • Gas stations – U.S. purchases
  • Restaurants – U.S. purchases
  • Shipping purchases – U.S. purchases

As Membership Rewards points are most valuable for booking award flights, one of your bonus categories might be airfare purchases. Besides airfare, only U.S.-based business purchases earn 4x points.

Although the American Express Business Gold card doesn’t come with lounge access or travel credits, you do get 25% of your points back (up to 250,000 points back each calendar year). You also have access to the 1:1 Membership Rewards airline and hotel transfer partners.

The American Express Business Gold Card welcome offer is the ability to earn 35,000 points after you spend $5,000 on eligible purchases within the first 3 months of account opening.

The Business Gold Card annual fee is $295 (See Rates & Fees).

Blue Business Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express is the best flat-rate rewards card for earning Membership Rewards. You earn 2 Membership Rewards points per $1 on the first $50,000 spent yearly. Plus, all remaining purchases earn 1 point per $1.

It doesn’t have an annual fee, which makes this a perfect primary or secondary credit card (See Rates & Fees).

American Express Blue Business Cash Card

If you prefer cash rewards, get the American Express® Blue Business Cash Card. Instead of earning Membership Rewards, you get 2% cash back on the first $50,000 in annual purchases then 1% back. Amex automatically redeems your rewards balance as a monthly statement credit.

However, if you would to compare cards, see our review of the Blue Business Credit Cards from American Express. If you want another example of business cash rewards vs. travel rewards, the Capital One® Spark® Miles Select for Business or Capital One® Spark® Cash Select for Business are two other options. They are also some of the best Capital One credit cards for travel.

Gold Delta SkyMiles Business Credit Card from American Express

The Gold Delta SkyMiles® Business Credit Card from American Express lets you earn SkyMiles on every purchase and enjoy other Delta perks:

  • Earn 2x SkyMiles on Delta purchases
  • Earn 1x SkyMiles on non-Delta purchases
  • 20% in-flight savings
  • Main Cabin 1 Priority Boarding
  • First checked bag free (Primary cardholder and up to 8 companions)

Plus, new cardholders can earn 30,000 bonus SkyMiles by spending $1,000 in the first 3 months of card membership. Also, they can earn a $50 statement credit after making a Delta purchase on their new card within the first 3 months of account opening.

The annual fee is $0 for the first year, then $95 each card renewal (See Rates & Fees). However, if you’re interested in learning more about the Delta credit cards, check out our guide to the best Delta credit cards.

Marriott Bonvoy Business American Express Card

The best hotel credit card offers 2019 pay for themselves with the annual free night certificate.

One of these is the Marriott Bonvoy Business™ American Express® Card. You get one free night award at Marriott properties costing 35,000 points or less. Plus, you get a second free night by spending $60,000 in a year.

By redeeming your first free night at any property that costs at least $125, you offset the annual $125 annual fee (See Rates & Fees).

Plus, this card also offers these Marriott Bonvoy benefits:

  • Earn 6x points at Marriott Bonvoy hotels
  • Earn 4x points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. purchases for shipping
  • Get 2x points on all non-bonus purchases
  • Automatic Marriott Bonvoy Silver Elite status
  • Instant 15 Elite Night credits each year
  • Premium on-property internet access

Also, new cardholders of one of the best Marriott credit cards can earn 75,000 bonus Membership Rewards points after spending $3,000 in the first 3 months of card membership.

Your points are most valuable when redeemed for hotel stays. Also, you have the option of transferring your points to airlines over 40 airlines on a 3:1 ratio. This isn’t the best transfer option, but transferring more than 60,000 points at once gives you 5,000 extra air miles, which helps equalize the ratio.

Plum Card from American Express

The Plum Card® from American Express is your best American Express business credit card option if you need flexible repayment terms. You get a 1.5% early pay discount when you pay your balance before the billing cycle ends. Or, you get 0% interest for 60 days if you wait to pay.

Also, if you make large purchases or have variable business income, the extended grace period can save you a lot of money if you regularly carry a monthly balance.

This card also has no foreign transaction fees and comes with premium roadside assistance (See Rates & Fees). Both benefits can be valuable when traveling locally or abroad on a periodic business trip. The introductory annual fee is $0 in the first year, then $250. Also, employee cards are free.

Summing Up the Best Amex Business Credit Cards

In conclusion, most of the best Amex business credit cards are ideal for earning travel rewards. In short, it’s easy to earn bonus points on your most common expenses. Therefore, you can use these cards to make each of your business purchases more valuable.

The Best American Express Business Credit Cards

American Express Business credit cards
The best American Express Business credit cards are great for earning travel rewards. Photo by Oleg Magni from Pexels

The Best American Express Business Credit Cards

American Express business credit cards have helped pioneer the way small businesses pay for purchases. They offer some of the best business credit cards for travel rewards. And, American Express also has some exciting cash rewards options.

Business Platinum Card from American Express

The Business Platinum® Card from American Express is the most luxurious Amex business credit card. This is one of the best American Express business credit cards for frequent flyers. Some of the best travel benefits include:

  • Annual $200 airline fee credit
  • Complimentary airport lounge access (Centurion, Priority Pass, Delta Sky Club, etc.)
  • Global Entry or TSA PreCheck application fee credit
  • Earn 5x Membership Rewards on flights and hotels booked on AmexTravel.com
  • Earn 1.5x Membership Rewards on all purchases larger than $5,000
  • Get 35% of redeemed points back on qualifying award flights booked on AmexTravel.com (up to 500,000 points annually)
  • 1:1 airline and hotel point transfers
  • No foreign transaction fee

Your points are most valuable when redeemed for award flights. Each point is worth 1 cent each when booking award flights on AmexTravel.com. You get 35% of your points back (up to 500,000 per year) for all flights on one airline of choice. Plus, all business class and first-class flights were booked on AmexTravel from any airline get 35% points back.

A better redemption option can be the Membership Rewards travel transfer partners. You can transfer your points at a 1:1 ratio to airlines, including Delta, British Airways, Emirates, and Singapore Airlines.

Business benefits include up to $200 in annual Dell Small Business statement credits (enrollment required) and free vendor pay at Bill.com.

The annual fee is $595 (See Rates & Fees). Learn more about the benefits and ways to offset the annual fee in our in-depth Amex Business Platinum Card review.

American Express Business Gold Card

The American Express® Business Gold Card makes it easy to earn bonus Membership Rewards on your most frequent purchases.

You earn 4x Membership Rewards on the first $150,000 in combined purchases from the two categories where your business spent the most each billing cycle from the categories listed below:

  • Airfare purchased directly from the airlines
  • Advertising in select media (online, TV, radio) – must be a U.S. purchase
  • Select technology providers of computer hardware, software, and cloud solutions – must be made directly with the provider and must be a U.S. purchase
  • Gas stations (U.S. purchases)
  • Restaurants (U.S. purchases)
  • Shipping purchases (U.S. purchases)

Note that the $150,000 resets each calendar year. Should you go over the $150,000 limit in a calendar year, you’ll still earn 1x per $1 spent. All other purchases earn 1x point per $1 spent.

You can get 25% of your redeemed points back when booking award flights on AmexTravel (up to 250,000 points back per year). It’s also possible to transfer them to the Membership Rewards airline and hotel partners.

The welcome offer, which you can learn more about in our American Express Business Gold review, is 35,000 bonus Membership Rewards after spending $5,000 in the first 3 months. This bonus is worth up to $350 in award travel.

Unlike the Business Platinum Card, you won’t get annual travel credits or airport lounge access. However, your annual fee is only $295 (See Rates & Fees). If you’re undecided, check out this comparison post on the Amex Business Gold vs. Amex Business Platinum.

Blue Business Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express earns 2x Membership Rewards points on the first $50,000 in annual spending. All remaining spending earns 1x point per $1 spent.

This card doesn’t have an annual fee (See Rates & Fees), so it’s an easy way to double your non-bonus spending for your current Amex Membership Rewards credit cards. It can also be an excellent first business credit card if you like redeeming your points for award travel.

If avoiding an annual fee is something you’d like to learn more about, visit our post of the best business credit cards with no annual fee. They can be a great way to build your business credit score.

American Express Blue Business Cash Card

For 2% cash rewards and no annual fee (See Rates & Fees), check out the American Express® Blue Business Cash Card. You get 2% back on the first $50,000 spent, then unlimited 1% back. Amex automatically redeems your rewards as a monthly cash statement credit.

Learn more and compare cards in this review of the Amex Blue Business Credit Cards. As mentioned above, they can help you build up your business without having to worry about an annual fee.

Plum Card from American Express

Do you need 60 days to make interest-free payments on your business purchases? The Plum Card® from American Express offers 0% APR on the first 60 days for your balance.

The annual fee for this card is $0 for the first year, then $250 (See Rates & Fees). So, it’s worth considering when you can save at least $250 in interest charges.

Gold Delta SkyMiles Business Credit Card from American Express

The Gold Delta SkyMiles® Business Credit Card from American Express is the entry-level Delta Air Lines business credit card.

Its benefits include:

  • First checked bag is free (primary cardmember and up to 8 passengers)
  • 20% in-flight purchase savings
  • Main Cabin 1 Priority Boarding
  • $100 Delta flight credit after $10,000 in annual card purchases (effective 1/31/2020)
  • Earn 2x SkyMiles on Delta purchases
  • Earn 2x SkyMiles on U.S. shipping, U.S. advertising, and all restaurants (effective 1/31/2020)
  • No foreign transaction fee
  • Introductory $0 annual fee (See Rates & Fees) for the first 12 months (then $95)

New cardmembers can earn 30,000 bonus SkyMiles after spending $1,000 in the first 3 months. You also get a $50 statement credit after your first Delta purchase in the first 3 months. It’s also one of the best Delta credit cards for your wallet.

If you fly Delta frequently, you may consider the Platinum Delta SkyMiles® Business Credit Card from American Express or Delta Reserve for Business Credit Card to enjoy extra benefits.

Marriot Bonvoy Business American Express Card

There are very few business credit cards for hotel rewards. One of them is the Marriott Bonvoy Business™ American Express® Card. The best reason to consider this card is for the free anniversary night award. It’s redeemable at properties requiring 35,000 points or less. You get a second free night award after $60,000 in annual card purchases.

Other card benefits include:

  • Marriott Bonvoy Silver Elite status (10% bonus points on stays and late checkout)
  • 15 elite night credits each year
  • Premium on-property internet access
  • 75,000 bonus points after spending $3,000 in the first 3 months (worth up to 15 free nights)
  • Earn up to 6x points per $1 on purchases at participating Marriott Bonvoy hotels
  • No foreign transaction fee (See Rates & Fees)

Your points are most valuable when redeemed for hotel nights. Reward nights start at 5,000 points for off-peak nights. You can also transfer your points to over 40 airlines at a 3:1 ratio. While this isn’t the best transfer ratio, you do get 5,000 bonus airline miles when you transfer at least 60,000 Bonvoy points at once.

This is also one of the best Marriott credit cards. Your Marriott Bonvoy purchases earn 6x points per $1 spent. Your U.S.-based purchases for restaurants, gas stations, wireless telephone services, and shipping earn 4x points per $1 spent. All non-bonus spending earns 2x points per $1.

The annual fee is $125 (See Rates & Fees). Redeeming your annual free night award for a night that costs at least $125 easily lets this card pay for itself.

Summary

The best American Express business credit cards for most people will earn Membership Rewards you earn for travel. However, there are solid options if you desire cash rewards, Delta SkyMiles, or Marriott Bonvoy points as well. Which one do you prefer?

FAQs

What is the best American Express credit card for small businesses?

The best American Express business credit card for frequent flyers is the Business Platinum Card from American Express. Its many benefits include a $200 airline free credit, complimentary airport lounge access, and a Global Entry or TSA PreCheck application fee credit. You can get 50% of your points back when booking award flights on AmexTravel or transfer to many airlines at a 1:1 ratio.

For no annual fee, consider one of the Amex Blue Business credit cards. The Amex Blue Business Plus earns 2x Membership Rewards per $1 on the first $50,000 in annual purchases, then 1x point per $1. For cash back, the Amex Blue Business Cash gets 2% back on the first $50,000 spent yearly, then 1% back.

What is the easiest American Express business credit card to get?

It’s not too hard to get a business credit card. These can be the easiest American Express business credit cards to qualify for:

  • Blue Business Plus from American Express
  • Blue Business Cash from American Express
  • Gold Delta SkyMiles Business Credit Card from American Express
  • Marriott Bonvoy Business Card from American Express

You will need a personal credit score of at least 670 to have the best approval odds. However, you may still qualify if your score is in the mid-600s, and you have sufficient business income.

How do I qualify for American Express business credit cards?

Here are several basic requirements to qualify for an American Express business credit card:

  • At least 18 years old
  • Have a Social Security Number or Employer Identification Number
  • Earn business income
  • Agree only to use the card for business or commercial purchases

Most of the Amex business credit cards only require you to have good credit. This means you should have a credit score above 670 to get an instant approval decision. But, premium cards like the Business Platinum or Business Gold will need a minimum of 740 personal credit score to have the highest approval odds.

You do not need an Employer Identification Number (EIN) to apply for a business credit card. If you are a sole proprietor, you can apply for a card using your Social Security Number. Make sure you include as much business income and personal income possible to boost your approval chances too.

For rates and fees of The Business Platinum® Card from American Express, please click here.

For rates and fees of the American Express® Business Gold Card, please click here.

For rates and fees of The Blue Business® Plus Credit Card from American Express, please click here.

For rates and fees of the American Express® Blue Business Cash Card, please click here.

For rates and fees of the Plum Card® from American Express, please click here.

For rates and fees of the Gold Delta SkyMiles® Business Credit Card from American Express, please click here.

For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here.

Josh Patoka

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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