American Express Business Credit Cards and Charge Cards

American Express offers a wide variety of small business cards for people with excellent credit. 

Chances are there’s an American Express business card that will work to earn rewards on the money your business is already spending, whether you want to earn travel rewards or cash back.

Many of these cards earn Membership Rewards points, which can be transferred to partner loyalty programs such as airline miles or hotel points. These points can also be redeemed for gift cards or statement credit, but you’ll usually get less value from them that way.

Most of these American Express cards have an introductory bonus, so you can earn bonus points for spending a certain amount within the first few months of card membership.

You can also get employee cards to earn more rewards and manage employee spending.

Business Former Charge Cards

There are four former charge cards for small business owners. They’re “former” charge cards because they now have a Pay Over Time feature.

They’re designed for business travel booked through American Express Travel and earn Membership Rewards points, except for the Plum Card. The Business Green Rewards card is the only one with a foreign transaction fee . Since they have no preset spending limit, you can use these to earn rewards on big business expenses (but that doesn’t mean you’re approved for unlimited spending).

  • The Business Platinum Card® from American Express
  • American Express® Business Gold Card
  • The Plum Card® from American Express
  • Business Green Rewards Card from American Express

Business Credit Cards

Amex offers two business credit cards, and the main difference is their rewards programs. Neither has an annual fee, but both have a 2.7% foreign transaction fee.

  • The Blue Business® Plus Credit Card from American Express earns Membership Rewards points
  • The American Express Blue Business Cash™ Card ) earns cash back 

American Express offers several co-branded cards in partnership with other brands, including Amazon, Delta, Hilton hotels, Marriott hotels, and Lowe’s home improvement stores.


Amex offers two co-branded Amazon business credit cards — one for regular Amazon customers, and one for Amazon Prime members. The regular card provides 3% cash back for Amazon services and at Whole Foods Markets, while the Prime card provides 5% cash back for those purchases. Each card also has several other 2% cash back bonus categories.

  • Amazon Business American Express Card
  • Amazon Business Prime American Express Card


American Express and Delta offer a wide variety of cards at different annual fees. At the highest end, the Delta Reserve comes with airport lounge access and several other extra benefits. Otherwise, the main differences are how the cards earn rewards and how many bonus miles you can get when you spend on the card within the first few months of card membership.

  • Delta SkyMiles® Reserve Business American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Delta SkyMiles® Gold Business American Express Card

Hilton Hotels

If you stay at Hilton hotels frequently, this card makes it easy to rack up Hilton Honors points as well as some other perks at Hilton hotels.

  • The Hilton Honors American Express Business Card

Marriott Hotels

If you frequently spend and stay at Marriott hotels, this card can be quite valuable for earning points.

  • Marriott Bonvoy Business™ American Express® Card

Lowe’s Home Improvement Stores

If your business spends at Lowe’s frequently, this no annual fee card could save you lots of money (5% off at Lowe’s) and earn you rewards.

  • Lowe’s Business Rewards Card

Amex Business Card Features


American Express business cards have access to a suite of Amex business benefits, which include:

  • Employee cards: To help manage spending and maximize rewards
  • Account Manager: Designate a trusted account manager to handle your business card account
  • American Express Business App: For help managing your card expenses and tracking receipts
  • Connect to Quickbooks: Transfer data from your Amex statement directly into Quickbooks
  • Year-end Summary: See a complete summary of all your spending for the year, broken down into categories
  • 24/7 Business Customer Support: Call to speak with a business specialist, trained to help with your business needs

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