American Express business credit cards blend everyday value with diverse rewards, offering everything from travel perks to cash back. With a card for every type of business spender, American Express helps turn your expenses into opportunities.
Choose the card that aligns with your business needs and watch your rewards accumulate with each transaction.
Best for Lounge Access: The Business Platinum Card® from American Express (review).
Best for Cash Back: The American Express Blue Business Cash™ Card (review).
Best Budget Option: The Blue Business® Plus Credit Card from American Express (review).
1. The Business Platinum Card® from American Express
Best for Premium Lounge Access
The Business Platinum Card® from American Express (review) delivers premium travel benefits including extensive lounge access (access is limited to eligible card members) and valuable hotel elite status. This premium business card excels at making travel more luxurious, though you’ll need to use multiple statement credits and travel perks to maximize its value.
Welcome Bonus: bonus_miles_full
Earn Rewards: 5x points for flights, prepaid hotels booked at AmexTravel.com; 2x points per dollar for purchases up to $2 million in spending per calendar year in these categories: purchases of $5,000 or more regardless of category, U.S. cloud service and software providers, U.S. construction materials and hardware suppliers, U.S. electronics retailers, and U.S. shipping providers; and 1x points on all other eligible purchases.
Card Benefits:
- Statement Credits: You’ll earn numerous statement credits including $250 for Adobe purchases after spending $600, up to $200 for airline incidentals, up to $209 for Clear Plus membership, up to $1,150 for Dell purchases ($150 in credits plus $1,000 after spending $5,000), Global Entry or TSA PreCheck credit, up to $200 for Hilton purchases ($50 quarterly with required Hilton for Business membership), up to $600 for Fine Hotels & Resorts and Hotel Collection bookings ($300 biannually with minimum two-night stays required for Hotel Collection), up to $360 for Indeed hiring services ($90 quarterly), and up to $120 for wireless telephone services ($10 monthly from any U.S. provider).
- Airport Lounge Access: American Express Centurion Lounges, Delta Sky Club when flying Delta (limited to 10 annual visits unless you spend $75,000 in a calendar year), Priority Pass, Escape Lounges, and Select Lufthansa Lounge when flying Lufthansa Group airlines. (Access is limited to eligible Card Members)
- Elite Status: Marriott Gold, Hilton Gold, Hertz’s President’s Circle, National Emerald Club Executive, and Avis Preferred Plus.
- Other Benefits: No preset spending limit, baggage insurance plan, trip cancellation and delay insurance, secondary rental car insurance, no foreign transaction fees, extended warranty, return protection, purchase protection, and cell phone protection.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
2. The Blue Business® Plus Credit Card from American Express
Best for No Annual Fee
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 2 Points Per Dollar on the First $50,000 in Purchases Each Calendar Year (1x Points thereafter)
- 0.0% Intro APR on purchases for the first 12 months. After that, reg_apr,reg_apr_type APR. APRs will not exceed 29.99%
- No Annual Fee (rates & fees)
The Blue Business® Plus Credit Card from American Express (review) offers a strong 2x Membership Rewards points on the first $50,000 in purchases annually, making it an excellent no-annual-fee (rates & fees) option for small business owners. This card provides good value for everyday spending and access to Amex’s 20+ transfer partners, though it does have foreign transaction fees.
Welcome Bonus: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Earning Points: 2 American Express Membership Rewards points per dollar on the first $50,000 spent on the card annually (then 1 point per dollar).
Card Benefits: Extended Warranty, Purchase Protection, Expanded Buying Power, and 0% Intro APR for 12 months on purchases for 12 months from the date of account opening, after that a reg_apr,reg_apr_type APR applies.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
3. American Express® Business Gold Card
Best for Earning Points
The American Express® Business Gold Card (review) offers tailored rewards, earning 4x points in your top two spending categories each billing cycle from a list of six options (capped at $150,000 in combined purchases each calendar year). With up to $395 in annual statement credits and valuable redemption options through Membership Rewards transfer partners, this card can be a powerful earning tool for many businesses.
Welcome Bonus: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Earning Points: 4x points in your top two categories each billing cycle up to $150,000 in combined purchases at 4x points (then 1x points) in the following purchase categories: US gas stations, US restaurants, US advertising in select media, transit and rideshare, monthly US wireless telephone services charges made directly with wireless service provider, U.S. purchases made from electronic goods retailers and software & cloud system providers; 3x points on flights and prepaid hotels booked via AmexTravel.com; and 1x points on all other eligible purchases.
Card Benefits: Up to $20 monthly credit upon enrollment when you use your card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores, Walmart+ credit, no present spending limit, trip delay insurance, baggage insurance plan, secondary rental car insurance, purchase protection, and extended warranty.
Transfer Partners: Aer Lingus, AeroMexico, Air Canada Aeroplan, ANA, Avianca LifeMiles, British Airways, Cathay Pacific, Choice Privileges, Delta, Emirates, Etihad, Air France – KLM Flying Blue, Hawaiian Airlines, Hilton, Iberia, JetBlue, Marriott, Qantas, Qatar Airways, Singapore KrisFlyer, and Virgin Atlantic.
4. The American Express Blue Business Cash™ Card
Best for Cash Back
The American Express Blue Business Cash™ Card (review) offers 2% cash back on the first $50,000 in eligible purchases annually, then 1% thereafter, with rewards automatically credited to your statement each billing cycle. This no-annual-fee card (rates & fees) provides a straightforward way for small businesses to earn cash back on expenses, though larger spenders may find more value in other options.
Welcome Bonus: bonus_miles_full
Earning Cash Back: 2% cash back on up to $50,000 in eligible purchases every calendar year. After that, the card earns 1% back. Your cash back on the Blue Business Cash appears as an automatic monthly statement credit.
Benefits: Extended warranty, purchase protection, secondary rental car insurance, Expanded Buying Power, and 0% Intro APR on purchases for 12 months from account opening, after that a reg_apr,reg_apr_type APR applies.
5. Delta SkyMiles® Reserve Business American Express Card
Best for Delta Flyers
The Delta SkyMiles® Reserve Business American Express Card (review) offers premium perks for frequent Delta flyers, including lounge access and a companion certificate. While it has a high annual fee, the card can provide great value through its elite status boost, upgrade priority, and travel credits for loyal Delta customers.
Welcome Bonus: bonus_miles_full
Earning SkyMiles: 3x SkyMiles on Delta Air Lines purchases; 1.5x SkyMiles on transit, shipping, and office purchases; 1.5 SkyMiles per dollar on all non-Delta purchases after spending a total of $150,000 in a calendar year; and 1x SkyMiles on all other eligible spending.
Card Benefits:
- Airport Lounges: Access to Delta Sky Clubs* when flying Delta and to American Express Centurion Lounges when you use your card to book your Delta flight.
- Delta Perks: Annual companion certificate at renewal, free first checked bag and priority boarding for you and up to eight travel companions, 15% award discount, 20% back on in-flight purchases, and $250 annual Delta Stays credit.
- Other Benefits: $240 Resy credit at U.S. Resy restaurants (up to $20 in statement credits per month; enrollment required), $120 Rideshare credit on U.S. rideshare purchases (up to $10 in statement credits per month; enrollment required); Hertz’s President’s Circle, Global Entry / TSA PreCheck credit, travel insurance (trip delay, trip cancellation, baggage insurance, secondary rental car), extended warranty, return protection, and purchase protection.
* Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 Visits have been used, Eligible Card Members may purchase additional Delta Sky Club Visits (including Grab and Go) at a per-Visit rate of $50 per person using the Card.
6. Delta SkyMiles® Platinum Business American Express Card
Best for Main Cabin Companion Tickets
The Delta SkyMiles® Platinum Business American Express Card (review) offers valuable perks for frequent Delta flyers, including priority boarding and a free checked bag. It also provides opportunities to earn elite status faster through spending and bonus Medallion® Qualification Dollars.
Welcome Bonus: bonus_miles_full
Earning SkyMiles: 3x SkyMiles on Delta Air Lines purchases and purchases directly with hotels; 1.5x SkyMiles on transit, shipping and purchases of more than $5,000 (up to $100,000 per year); and 1x SkyMiles on all other eligible purchases.
Card Benefits: Free first checked bag and priority boarding for you and up to eight travel companions, companion certificate at renewal each year, 20% back on in-flight purchases, 15% award discount, $200 annual Delta Stays credit, $120 Resy credit at U.S. Resy restaurants (up to $10 in statement credits per month; enrollment required), $120 rideshare credit on U.S. rideshare purchases (up to $10 in statement credits per month; enrollment required), Global Entry / TSA PreCheck credit, Hertz Five Star status, secondary rental car insurance, trip delay insurance, baggage insurance, purchase protection, and extended warranty.
7. The Hilton Honors American Express Business Card
Best for Benefits at Hilton
The Hilton Honors American Express Business Card (review) offers complimentary Gold elite status and up to $240 in annual Hilton credits (up to $60 per quarter), making it a solid option for small business owners who frequently stay at Hilton properties. While it lacks free night awards, the card provides good value for Hilton loyalists through its earning rates and elite status benefits.
Welcome Bonus: bonus_miles_full
Earning Points: 12x points for purchases made directly with hotels and resorts in the Hilton portfolio and 5x points on all other purchases made with the card on the first $100,0000 in purchases each calendar year (3x points thereafter).
Benefits: Complimentary Hilton Gold elite status, earn Hilton Diamond when you spend $40,000 on your Card in a calendar year, up to $240 back each year for eligible purchases made directly with Hilton ($60 per quarter), National Emerald Club Executive status (upon enrollment), baggage insurance plan, secondary rental car insurance, extended warranty, and purchase protection.
8. Marriott Bonvoy Business® American Express® Card
Best for Benefits at Marriott
The Marriott Bonvoy Business® American Express® Card (review) provides solid value through its annual free night award and automatic Gold Elite status benefits like room upgrades and late checkout. Though its bonus categories could be more rewarding, this card serves as an excellent complement to a personal Marriott card for stacking elite night credits. Welcome Bonus: bonus_miles_full Earning Points: 6x points on eligible purchases at hotels participating in Marriott Bonvoy®; 4x points at restaurants, US gas stations, wireless telephone services purchased directly from US service providers, and US shipping; 2 Marriott Bonvoy Business® American Express® Card points per dollar on all other eligible purchases. Benefits: Anniversary free night (up to 35,000 points), additional free night (up to 35,000 points) after spending $60,000 in purchases in a calendar year, 7% discount off standard rates, Marriott Gold elite status, 15 elite night credits, baggage insurance plan, secondary rental car insurance, extended warranty, and purchase protection.
9. Amazon Business Prime American Express Card
Best for Amazon Prime Members
- bonus_miles_full
- 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market with an eligible Prime membership (up to $120,000 in purchases each calendar year)
- 2% Back at U.S. Restaurants, U.S. Gas Stations, and U.S. Wireless Phone Services
- No Annual Fee and No Foreign Transaction Fees (rates & fees)
The Amazon Business Prime American Express Card is a good choice for businesses who frequently spend at Amazon.com, AWS, Amazon Business, and Whole Foods because you get 5% cash back or 90-day terms on the first $120,000 in purchases each calendar year (1% back thereafter).
Welcome Bonus: bonus_miles_full
Earning Rewards: 5% cash back or 90 Day Terms on all purchases made at Amazon, Amazon Web Services, and Whole Foods with eligible Prime Membership (up to $120,000 in purchases each calendar year, 1% back thereafter); 2% back at U.S. restaurants, U.S. gas stations, and U.S. wireless service providers; and 1% back on all other purchases.
Card Benefits: No foreign transaction fees, extended warranty, purchase protection, secondary rental car insurance, baggage insurance plan, and access to Amex Offers.
For rates and fees of The Business Platinum Card® from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of The Blue Business Plus® Credit Card from American Express, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the American Express® Business Gold Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Delta SkyMiles® Reserve Business American Express Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Delta SkyMiles® Platinum Business American Express Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the American Express Blue Business Cash™ Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of The Hilton Honors American Express Business Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Marriott Bonvoy Business™ American Express® Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of the Amazon Business Prime American Express Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
