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.

GET.com's Best Business American Express Credit Cards

Best ForCredit Card
Cash BackSimplyCash® Plus Business Credit Card from American Express
BonusThe Business Platinum® Card from American Express
Low InterestThe Blue Business℠ Plus Credit Card from American Express
Delta RewardsPlatinum Delta SkyMiles® Business Credit Card from American Express
Frequent FlyerGold Delta SkyMiles® Business Credit Card from American Express
HotelStarwood Preferred Guest® Business Credit Card from American Express
Hilton RewardsThe Hilton Honors American Express Business Card
Travel BenefitsBusiness Green Rewards Card from American Express
No Foreign Transaction FeesThe Plum Card® from American Express

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:

  1. Return Protection

    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.

  2. Year-End Summaries

    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.

  3. ReceiptMatchSM

    The ReceiptMatchSM mobile app is made for Business Cards from American Express 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 business card holder, you can enjoy this business benefit.

  4. 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 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 business card holders.

  5. Flexible Spending Limits

    Business cards from American Express 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.

  6. 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:


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    SimplyCash<sup>®</sup> Plus Business Credit Card from American Express

    SimplyCash® Plus Business Credit Card from American Express

    APPLY NOWAt American Express' secure website
    • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 14.24% - 21.24%
    • No annual fee
    • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
    • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
    • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
    • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors
    • Terms apply
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    0% intro APR on purchases for 15 months

    14.24% - 21.24% Variable

    $0

    Excellent Credit

    SimplyCash® Plus Business Credit Card from American Express, a GET.com advertiser, 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 15 months, with 14.24% - 21.24% variable APR after. Terms and limitations apply.

    Learn more in our detailed SimplyCash® Plus Business Credit Card from American Express review.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    The Business Platinum<sup>®</sup> Card from American Express

    The Business Platinum® Card from American Express

    APPLY NOWAt American Express' secure website
    • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
    • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
    • Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
    • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
    • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
    • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
    • Terms Apply
    • See Rates & Fees
    Terms Apply
    APPLY NOWAt American Express' secure website

    N/A

    N/A

    $450

    Excellent Credit

    The Business Platinum® Card from American Express gets you in on American Express Platinum benefits and programs. The perks of this charge card start with a rewarding offer that lets you get up to 75,000 Membership Rewards® points. Here's how: after you spend $10,000 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. Plus get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. If you travel much in the course of business, the complimentary access to over 1,200 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 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. If you use Membership Rewards Pay with Points for all or part of an eligible fare you can get 35% of those points back, on up to 500,000 bonus points per calendar year.$450 annual fee. Terms Apply.

    Read our GET.com review of The Business Platinum® Card from American Express to find out more.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    The Blue Business℠ Plus Credit Card from American Express

    The Blue Business℠ Plus Credit Card from American Express

    APPLY NOWAt American Express' secure website
    • Get rewarded for business as usual. Earn 2X points on everyday business purchases such as office supplies or client dinners.
    • 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
    • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
    • More buying power for your business* means more opportunities to earn points. That’s everyday business with the new Blue Business Plus Card.
    • *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
    • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 13.24%, 17.24% or 21.24%, based on your creditworthiness and other factors as determined at the time of account opening.
    • No Annual Fee
    • Terms Apply
    • See Rates & Fees
    Terms Apply
    APPLY NOWAt American Express' secure website

    0% on Purchases and Balance Transfers for 15 months

    13.24% - 21.24% Variable

    $0

    Excellent, Good

    The Blue Business℠ Plus Credit Card from American Express has a $0 annual fee. You pay no annual fee for each additional Employee 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 2X points on everyday business purchases, 2X points apply to the first $50,000 in purchases per year, earn 1 point per dollar after that. This card has 0% intro APR on purchases and balance transfers for 15 months, with 13.24% - 21.24% variable APR after. Terms Apply.

    Read our full review of The Blue Business℠ Plus Credit Card from American Express to get more information.

    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    Platinum Delta SkyMiles<sup>®</sup> Business Credit Card from American Express

    Platinum Delta SkyMiles® Business Credit Card from American Express

    APPLY NOWAt American Express' secure website
    • Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
    • Plus, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Check your first bag for free and save up to $50 on a round trip Delta flight.
    • Settle into your seat sooner with Priority Boarding.
    • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
    • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
    • Terms and limitations apply
    • See Rates & Fees
    Terms Apply
    APPLY NOWAt American Express' secure website

    N/A

    17.74% - 26.74% Variable

    $195

    Excellent Credit

    Platinum Delta SkyMiles® Business Credit Card from American Express lets you earn a welcome offer of 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend just $1,000 in purchases on your Card in the first 3 months as a cardmember, as well as a $100 statement credit after you make a Delta purchase with your new Card within the first 3 months. Earn 2 Miles per $1 spent on purchases made directly with Delta and 1 mile on every eligible $1 spent on all your other purchases. The miles you earn with this card don't expire. Get 20% savings on eligible in-flight purchases (in the form of a statement credit), priority boarding, and benefit from no foreign transaction fees. This card has a $195 annual fee. Terms and limitations apply.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    Gold Delta SkyMiles<sup>®</sup> Business Credit Card from American Express

    Gold Delta SkyMiles® Business Credit Card from American Express

    APPLY NOWAt American Express' secure website
    • Make business travel more rewarding. Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months.
    • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
    • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
    • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card.
    • Pay no foreign transaction fees when you spend overseas.
    • $0 introductory annual fee for the first year, then $95.
    • Terms and limitations apply
    • See Rates & Fees
    Terms Apply
    APPLY NOWAt American Express' secure website

    N/A

    17.74% - 26.74% Variable

    $0 introductory annual fee for the first year, then $95

    Excellent Credit

    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 and get $50 in statement credit after you make a Delta purchase with your new Card within your first 3 months of cardmembership. 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.

    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    Delta Reserve for Business Credit Card

    Delta Reserve for Business Credit Card

    APPLY NOWAt American Express' secure website
    • Earn 40,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases with your new Card in your first 3 months.
    • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
    • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
    • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
    • Pay no foreign transaction fees when you spend overseas.‡
    • Complimentary Delta Sky Club® Access.‡
    • Terms and limitations apply
    • See Rates & Fees
    Terms Apply
    APPLY NOWAt American Express' secure website

    N/A

    17.74% - 26.74% Variable

    $450

    Excellent/Good

    Delta Reserve for Business Credit Card lets you earn 40,000 bonus miles and 10,000 MQMs after you've spent $3,000 or more in purchases within the first 3 months you own this card. Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you spend $30,000 (in eligible purchases) within the calendar year. You'll earn 2 Miles for every $1 you spend on direct Delta purchases, on every other dollar you spend earn 1 mile. With Priority Boarding you'll get seated faster and you'll enjoy 20% savings on eligible in-flight purchases in the form of a statement credit. No foreign transaction fees. This card also comes with Complimentary Delta Sky Club® Access. This is a $450 annual fee. Terms and limitations apply.

    Here is our Delta Reserve for Business Credit Card review.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    Starwood Preferred Guest<sup>®</sup> Business Credit Card from American Express

    Starwood Preferred Guest® Business Credit Card from American Express

    APPLY NOWAt American Express' secure website
    • Earn 75,000 bonus points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
    • Earn 6 points for each dollar of eligible purchases at over 6,700 participating SPG® and Marriott Rewards® hotels across 29 brands.
    • Earn 4 points at U.S. restaurants, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
    • Receive 1 Free Night Award every year after your Card account anniversary (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
    • Enjoy complimentary Silver Elite status with your Card.
    • Plus, earn Gold Elite status after spending $30,000 or more in eligible purchases on your Card in a calendar year. Note: effective January 1, 2019, the spend threshold will increase to $35,000.
    • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
    • Terms Apply
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    N/A

    17.74% - 26.74% Variable

    $0 introductory annual fee for the first year, then $95

    Excellent Credit

    Starwood Preferred Guest® Business Credit Card from American Express. This card can benefit you as a Starwood customer. Earn 75,000 bonus points after you use your card to make $3,000 in purchases within the first 3 months. Earn 6 points for every dollar of eligible purchases on the Card at participating SPG® and Marriott Rewards® hotels. Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases. $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.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    The Hilton Honors American Express Business Card

    The Hilton Honors American Express Business Card

    • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.
    • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
    • Enjoy complimentary Gold status with your Hilton Honors Business Card.
    • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
    • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
    • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
    • Terms apply.
    • See Rates & Fees
    Terms Apply

    N/A

    17.74% - 26.74% Variable

    $95

    Excellent, Good

    The Hilton Honors American Express Business Card is a smart card to have if you travel a lot and stay often at hotels and resorts in the Hilton portfolio. Earn 125,000 Hilton Honors Bonus Points after you spend $3,000 in purchases made on your Card in the first 3 months of Card Membership. Earn 12X on purchases made at hotels and resorts in the Hilton portfolio, 6X on travel and select business purchases and 3 points on the rest of your purchases. Terms & Limitations Apply. You get complimentary Gold status and 10 free airport lounge visits each year to over 1,000 lounges in over 120 countries. Receive a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your card in a calendar year a second Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases in the same calendar year. This card has a $95 annual fee.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    Business Green Rewards Card from American Express

    Business Green Rewards Card from American Express

    APPLY NOWAt American Express' secure website
    • Earn 5,000 Membership Rewards® points after your first purchase on the Card
    • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
    • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
    • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
    • $0 introductory annual fee for the first year, then $95
    • Terms & Limitations Apply
    • See Rates & Fees
    APPLY NOWAt American Express' secure website

    N/A

    N/A

    $0 introductory annual fee for the first year, then $95

    Excellent Credit

    Business Green Rewards Card from American Express 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 to learn more.


    Credit CardFeaturesIntro APRRegular APRAnnual FeeWhy we like itWe least likeCredit RequiredRelated links
    The Plum Card<sup>®</sup> from American Express

    The Plum Card® from American Express

    APPLY NOWAt American Express' secure website
    • No Foreign Transaction Fees.
    • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
    • Take up to 60 days to pay with no interest, if you pay your minimum due.
    • Use the power of the Plum Card to buy big for your business.
    • Unlock new opportunities with a spending limit that can grow with your business.
    • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
    • No Foreign Transaction Fees.
    • Introductory annual fee of $0 for the first year, then $250
    • Terms & Restrictions Apply.
    • See Rates & Fees
    Terms Apply
    APPLY NOWAt American Express' secure website

    N/A

    N/A

    Introductory annual fee of $0 for the first year, then $250

    Why we like it
    • No Foreign Transaction Fees.
    • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
    • Take up to 60 days to pay with no interest, if you pay your minimum due.
    • Additional Employee Cards at no annual fee - and an early pay discount on employee spending.
    We least like
    • Annual fee after the first year.
    Excellent Credit

    The Plum Card® from American Express 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 here.