American Express and business often appear on the same page, and there is a good reason for that. Amex has a solid offering of charge cards and credit cards for small business. These cards let you take advantage of the well established customer programs provided by American Express, including the Membership Rewards® program, Global Dining Program, and American Express Global Business Travel.
American Express business credit cards come with a long list of useful benefits that can benefit your business. The exact benefits you receive will depend on which American Express business payment card you use. Here are some of the main perks that come with most business cards from Amex:
If you have difficulty returning a business purchase because the merchant won't take it back, you can take advantage of the return protection offered by American Express to return your (eligible) purchases within 90 days from the time of purchase.
You can get reimbursed with the full price of the item, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Make sure items are in a "like new" condition. Motorized vehicles, perishable items, computer software, jewelry and certain other purchases aren't covered by this return protection, but it does cover most items you might purchase in the course of your business.
Every year you receive a comprehensive Year-End Summary that includes every purchase you have made using your card. This can save you a lot of time on accounting.
The ReceiptMatchSM mobile app is made for Business Cards from American Express OPEN and it lets you capture receipts by camera and match them to relevant transactions on your business card.
For example, when you make a payment at a supplier using your card, you can then take a photo of the receipt and match it to that payment. You can add a QuickBooks® category to that transaction for easy accounting. As long as you are an American Express OPEN business card holder, you can enjoy this business benefit.
Sync With QuickBooks®
This service is made to use with ReceiptMatchSM. If you use QuickBooks®, you can log in to your Amex online account for your Business Card(s) from American Express OPEN and enroll in this service using your QuickBooks® username and password.
You can also import your own QuickBooks® categories for instant labeling of transactions right from your American Express online statement or the ReceiptMatchSM Mobile App. This service is available to American Express OPEN business card holders.
Flexible Spending Limits
Cards from American Express OPEN have no pre-set spending limit. That doesn't mean you have unlimited spending power, but your purchasing power will adjust with your use of the card. The spending limits you can get will depend on your payment history, credit records and financial resources among other factors. This means that as long as you make responsible credit decisions, your access to capital could grow as your business develops.
This perk is built into all Business Cards from American Express OPEN. It lets you save with a 5% discount on eligible purchases (or 2 additional Membership Rewards® points for each dollar of eligible purchases) you make at OPEN Savings partners. Partners include Hertz car rentals, FedEx, Hyatt hotels, and HP.
GET.com's Best Business American Express Credit Cards
If you are looking for a card for your small business, these American Express cards received high ratings from GET.com, and offer different solutions to match your business needs:
SimplyCash® Plus Business Credit Card from American Express, a GET.com advertiser, has a special offer which lets you earn $200 statement credit after you use this Card to spend $5,000 or more in qualifying purchases within the first 6 months of Card Membership as well as an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. This card has no annual fee. As well as letting your business earn 5% cash back for purchases at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers, you also earn 3% cash back for purchases in the category of your choice, from a list of 8 select categories. 5% and 3% cash back applies to purchases up to $50,000 per calendar year. You earn 1% cash back on other purchases and on category purchases above the $50,000 cap each calendar year. Cash back earned is automatically credited to your statement, so you don't need to fuss with redeeming rewards. Benefits include purchase protection, extended warranty, travel accident insurance and car rental loss and damage insurance. Enjoy 0% intro APR on purchases for 9 months, with 12.74% - 19.74% variable APR after. Terms and limitations apply.
Learn more in our detailed SimplyCash® Plus Business Credit Card from American Express review.
The Business Platinum® Card from American Express OPEN gets you in on American Express Platinum benefits and programs. The perks of this charge card start with a rewarding welcome offer that lets you get up to 75,000 Membership Rewards® points. Here's how: after you spend $5,000 you'll earn 50,000 Membership Rewards points and you earn an extra 25,000 points after spending an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership. If a personal assistant is what you need, the 24-hour Business Platinum Concierge can save you time by taking care of many tasks (professional or personal) for you. If you travel much in the course of business, the complimentary access to over 1,000 airport lounges worldwide, unlimited (complimentary) Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide, and up to $200 Airline Fee Credit per calendar year in statement credit for incidentals like baggage fees and lounge day passes on the airline you select will probably ring your bell. You also get 10 complimentary Gogo inflight internet passes each calendar year. Earn a 50% Airline Bonus when you use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 50% of the points back. You also get 50% of your points back when you fly in First or Business class through all of the airlines available through American Express Travel. Earn 1 point for each $1 you spend on eligible purchases under 5,000 and 1.5 points per $1 spent on each qualifying purchase of $5,000 or more - that's 50% more Membership Rewards® points and you can earn up to 1 million additional points per year. $450 annual fee. Terms & Restrictions Apply.
Read our GET.com review of The Business Platinum® Card from American Express OPEN to find out more.
The Business Gold Rewards Card from American Express OPEN has a special welcome offer that lets you earn 50,000 Membership Rewards® points after spending $5,000 in purchases with this Card within the first 3 months of Card Membership. If saving money for your business by collecting rewards on purchases is what you are after, you will probably enjoy this charge card. You earn 3X points per $1 for purchases in a category of your choice (1 out of 5 business-related categories to choose from). You also earn 2X points per dollar on the 4 remaining categories. 3X and 2X points apply to first $100,000 in purchases in each of the 5 categories per year. You will earn 1 point per dollar spent on other purchases. The Membership Rewards® program lets you redeem rewards in many different ways. Access expense-tracking tools that help you track, organize, and stay on top of your business expenses. No foreign transaction fees. $0 introductory annual fee for the first year, then $175. Terms and limitations apply.
Read our full review of The Business Gold Rewards Card from American Express OPEN here.
The Blue for Business® Credit Card from American Express has a $0 annual fee. You can earn up to 25,000 Membership Rewards® points: 10,000 points after making your first purchase on the Card within your first 3 months of Card Membership and an additional 15,000 after making $5,000 on purchases in the first 6 months. You pay no annual fee for each additional Employee Blue for Business® Credit Card, so your business can benefit from free employee cards. Other benefits include travel accident insurance and car rental loss/damage insurance. You also get purchase protection and extended warranty. Earn 30% more points each year with the annual Relationship Bonus. This card has 0% intro APR on purchases for 15 months, with 11.74% - 19.74% variable APR after. Terms Apply.
Read our full review of The Blue for Business® Credit Card from American Express to get more information.
Gold Delta SkyMiles® Business Credit Card from American Express is a Delta frequent flyer credit card with business benefits. As a welcome offer you earn 30,000 bonus miles after you make $1,000 in purchases using your new Card within your first 3 months. Additionally, after you make a Delta purchase with your new Card within your first 3 months, you can earn a $50 statement credit. Delta perks include priority boarding and first checked bag free on Delta flights. You also get 20% savings on eligible in-flight purchases (in the form of a statement credit). Protect your purchases with purchase protection, return protection and extended warranty. You also enjoy complimentary travel accident insurance and car rental loss and damage insurance when you pay for your travel purchases and car rentals with this card. No foreign transaction fees on purchases made overseas. $0 introductory annual fee for the first year, then $95. Terms and limitations apply.
Read our complete Gold Delta SkyMiles® Business Credit Card from American Express review to get more information.
Starwood Preferred Guest® Business Credit Card from American Express. This card can benefit you as a Starwood customer. As a limited time welcome offer you can earn up to 35,000 bonus Starpoints®! Earn 25,000 bonus Starpoints® after spending $5,000 on purchases in your first 3 months and an extra 10,000 bonus Starpoints® after you make an additional $3,000 in purchases within the first 6 months. This welcome offer ends 4/5/2017. You earn 2 Starpoints® for each $1 of eligible purchases that you charge directly with hotels and resorts participating in the SPG® program. These points are in addition to the points you earn as an SPG member. You earn 1 Starpoint® for each dollar spent on other eligible purchases. You can redeem Starpoints® for free nights at over 1,300 hotels & resorts, or for free flights on over 150 airlines with SPG Flights, with no blackout dates. $0 introductory annual fee for the first year, then $95. Terms apply.
Read our GET.com review of Starwood Preferred Guest® Business Credit Card from American Express to learn more.
Business Green Rewards Card from American Express OPEN is a basic rewards charge card which comes with travel benefits like travel accident insurance and car rental loss and damage insurance. Eligible purchases made with this card benefit from extended warranty and purchase protection. You earn 1 Membership Rewards® point for each dollar you spend on eligible purchases, and double points for each $1 of eligible purchases made when you book on the American Express Travel website. As a welcome offer, you will get 5,000 Membership Rewards® points after making your first purchase on the Card. This card has $0 introductory annual fee for the first year, then $95. Terms & Limitations Apply.
Read our GET.com review of Business Green Rewards Card from American Express OPEN to learn more.
The Plum Card® from American Express OPEN stands out because it rewards your business for good credit behavior. This charge card lets you choose to get either a 1.5% discount for paying early (with no cap on what you can earn back), up to 60 days to pay without interest (if you pay your minimum due), or both each month. You enjoy an introductory annual fee of $0 for the first year, then $250, and get employee cards at no annual fee. This card has no foreign transaction fees, which is good news if you make a lot of purchases outside of the US. Terms & Restrictions Apply.
Read our review of The Plum Card® from American Express OPEN here.
Ivan Daniel is a writer at GET.com. Email: firstname.lastname@example.org.Editorial Disclosure: Any personal views and opinions expressed by the author in this article are the author's own and do not necessarily reflect the viewpoint of GET.com. The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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