9 Best American Express Business Credit Cards [2023]

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Finding the right credit card for your business isn’t that easy. You need to consider several things such as rewards categories, business benefits, travel perks, and annual fees. 

Fortunately, American Express has an extensive credit card line up of business credit cards, giving you lots of options to choose the right card that will suit your business needs.

Below, we’ll discuss our top recommendations for the best Amex business credit cards.

1. The Business Platinum Card® from American Express

Best for Premium Lounge Access

Best for Airport Lounge Access
The Business Platinum Card® from American Express
  • bonus_miles_full
  • 5X Points on Flights and Prepaid Hotels Booked Via AmexTravel.com
  • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (up to $2 million of these purchases per calendar year).
  • Airport Lounge Access at Centurion Lounges, Delta Sky Clubs when Flying Delta, Escape, Plaza Premium, and Priority Pass.
  • $695 Annual Fee & No Foreign Transaction Fees (Rates & Fees)
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The Business Platinum Card® from American Express (review) is an outstanding choice for business owners who want airport lounge access including the American Express Global Lounge Collection, Centurion Lounges, Delta Sky Clubs, Escape Lounges, Priority Pass lounges, and more. 

The Business Platinum card also offers several statement credits to offset the $695 annual fee:

  • $200 Airline Fee: Annual airline fee credit of up to $200 on charges by the airline you select per calendar year.
  • $400 Dell: Annual statement credit on all U.S. Dell purchases, up to $200 semiannually. 
  • $120 Wireless Phone Services: Annual statement credits for purchases made directly with any U.S. wireless telephone provider, up to $10 per month.
  • $189 CLEAR® Plus Credit: Breeze through security with CLEAR® Plus at 45+ airports nationwide and get up to $189 back per year on your membership (subject to auto-renewal) when you use your Business Platinum Card.
  • Global Entry or TSA PreCheck: Statement credits for Global Entry ($100) or TSA PreCheck ($85) every four years (4.5 years for PreCheck).

You can also earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1.5x points on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year

The American Express Business Platinum comes with automatic Hilton Honors Gold and Marriott Bonvoy Gold so that you can enjoy perks like room upgrades, late check-out, and a points bonus.

Additionally, the points you earn can be transferred to several Amex transfer partners such as Air Canada Aeroplan, Delta SkyMiles, and Marriott Bonvoy. This potentially increases the value of your points depending on how you redeem them.

2. The Blue Business® Plus Credit Card from American Express

Best for Business Perks with Zero Annual Fees

2x Points on Everyday Spending
The Blue Business® Plus Credit Card from American Express
  • 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)
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The Blue Business® Plus Credit Card from American Express (review) is one of my favorite cards because it has no annual fee and earns 2x Membership Rewards points on the first $50,000 in purchases every year. After that, you will earn 1 point on all other eligible purchases.

You can transfer Membership Rewards to 18 airlines and three hotel points programs, with several great sweet spots to travel in business class to anywhere in the world.

I put all of my everyday business spending on my Blue Business Plus because it is a quick way to rack up points for my next trip.

3. American Express® Business Gold Card

Best for Flexible Rewards

4X Points in Top 2 Business Categories
American Express® Business Gold Card
  • bonus_miles_full
  • 4X Points on Purchases in Your Top 2 Business Categories (up to $150,000 in Combined Purchases Per Calendar Year)
  • No Foreign Transaction Fees
  • $295 Annual Fee (Rates and Fees)
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The American Express® Business Gold Card (review) is a good fit for business owners who want to earn much-coveted Membership Rewards points from business spending. 

For a $295 annual fee, this card earns 4x points on up to $150,000 in combined purchases per year in your top two spending categories, with options including eligible airfare, U.S. advertising, U.S. shipping, U.S. cloud, software, and hardware, U.S. gas, and U.S. dining purchases.

You can also receive 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.

4. Delta SkyMiles® Reserve Business American Express Card

Best for First Class Companion Tickets

Airport Lounge Access
Delta SkyMiles® Reserve Business American Express Card
  • bonus_miles_full
  • 3x SkyMiles on Delta Air Lines
  • Airport Lounge Access
  • Priority Boarding and Free First Checked Bag
  • Global Entry or TSA PreCheck Credit
  • $550 Annual Fee and No Foreign Transaction Fees (Rates & Fees)
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The Delta SkyMiles® Reserve Business American Express Card (review) earns 3x SkyMiles on Delta Air Lines and offers airport lounge access to the Delta Sky Club*, American Express Centurion Lounges, and Escape Lounges

The Delta Reserve Business has a $550 annual fee, which is offset by the airport lounge access and other perks such as an annual companion certificate, Non-Medallion Upgrades, Global Entry or TSA PreCheck credit, free first checked bag, priority boarding, and 20% statement credit for food and drinks.

* Effective 2/1/25, Reserve Card Members will receive 10 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.

5. Delta SkyMiles® Platinum Business American Express Card

Best for Main Cabin Companion Tickets

Free Checked Bags and Annual Companion Certificate
Delta SkyMiles® Platinum Business American Express
  • bonus_miles_full
  • 3X SkyMiles on Direct Purchases with Delta and Hotels
  • Free First Checked Bag and Priority Boarding
  • Global Entry or TSA PreCheck Credit
  • $250 Annual Fee and No Foreign Transaction Fees (Rates & Fees)
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The Delta SkyMiles® Platinum Business American Express (review) is a good choice for small business owners who fly Delta. It comes with travel perks such as first free checked bags, Main Cabin 1 Priority Boarding, a Domestic Main Cabin round-trip companion certificate, and 20% statement credit for in-flight purchases of food and drinks. 

For a $250 annual fee, this business card earns 3x SkyMiles on Delta purchases and qualifying purchases made directly with hotels.

This card also earns more miles on big purchases, with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per year.

6. The American Express Blue Business Cash™ Card

Best for Small Business Owners

No Annual Fee
The American Express Blue Business Cash™ Card
  • 2% Cash Back On Up to $50,000 Per Year (1% Thereafter)
  • 0% Intro APR on Purchases for 12 Months. After that, reg_apr,reg_apr_type. APRs will not exceed 29.99%.
  • No Annual Fee (rates & fees)
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The American Express Blue Business Cash™ Card (review) offers simple, straightforward rewards for no annual cost. 

This zero-annual-fee card earns a flat 2% cashback rate on all qualifying purchases up to $50,000 each year (1% thereafter).

The Blue Business Cash also offers expanded buying power, giving your business the flexibility to spend above your credit limit for your business expenses. 

7. The Hilton Honors American Express Business Card

Best for Free Night Rewards

Complimentary Gold Status
The Hilton Honors American Express Business Card
  • bonus_miles_full
  • Complimentary Hilton Honors Gold Status
  • 12X Points at Hilton Properties
  • 6X Points at U.S. Gas Stations and U.S. Restaurants
  • 10 Complimentary Priority Pass Lounge Visits
  • $95 Annual Fee (rates & fees)
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The Hilton Honors American Express Business Card (review) offers complimentary Gold status with the chance to upgrade to Diamond status upon hitting the $40,000 spending threshold. 

For a low annual fee of $95, this business card earns 12x Hilton Honors points at Hilton properties and 6x points in several categories:

The Hilton Honors Business card also offers a free night reward after spending $15,000 and a second free night reward after spending $45,000 per year. 

Plus, you receive 10 free Priority Pass visits to airport lounges worldwide.

8. Marriott Bonvoy Business® American Express® Card

Best for Business Travelers

Marriott Gold Status
Marriott Bonvoy Business® American Express® Card
  • bonus_miles_full
  • 6X Points at Marriott Hotels & Resorts
  • 4X Points at Restaurants Worldwide, at U.S. gas stations, U.S. Phone Service Providers, and on U.S. Shipping Purchases.
  • Annual Free Night Award (up to 35,000 Points)
  • 15 Elite Night Credits and Gold Elite Status
  • No Foreign Transaction Fees
  • $125 Annual Fee (Rates and Fees)
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The Marriott Bonvoy Business® American Express® Card is a good option for travelers who stay at least a few times per year in a Marriott.

The card comes with Marriott Bonvoy elite status, a free night award (up to 35,000 points), a 7% room rate discount, and 15 elite night credits.

For rewards, the Marriott Bonvoy Business earns 6x points at Marriott Hotels, 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and U.S. shipping purchases.

9. Amazon Business Prime American Express Card

Best for Amazon Prime Members

No Annual Fee
Amazon Business Prime American Express Card
  • bonus_miles_full
  • 5% Back or 90 Day Terms on Eligible U.S. Purchases at Amazon.com, Amazon Business, & Whole Foods Market (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)
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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). 

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 Delta SkyMiles® Reserve Business American Express Card, please click here.

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

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

For rates and fees of The Hilton Honors American Express Business Card, please click here.

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

For rates and fees of the Amazon Business Prime American Express Card, please click here.

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