American Express Business Credit Cards Review

(April 2024)

American Express Business Credit Cards Review

In This Article

Our Verdict

If you’re on the lookout for a credit card that genuinely caters to your entrepreneurial needs, look no further than the American Express business credit cards! American Express is a well-known financial service corporation that offers you a wide range of products, including business credit cards, charge cards, and traveler’s checks.

When it comes to unparalleled rewards, American Express business credit cards truly shine. From generous cashback offers to valuable membership reward points, every dollar you spend brings you closer to a wide array of enticing benefits. Pamper yourself with travel perks, elevate your experiences with premium services, and indulge in unique business-centric privileges.

Security is paramount in the business world, and American Express understands this implicitly. Your transactions are safeguarded by cutting-edge security measures, giving you peace of mind as you concentrate on nurturing your business vision.

But that’s not all! Your American Express Business credit card comes with exceptional customer service – always just a call away. Also, you can apply for a business credit card through the American Express website or mobile app, as it primarily operates as an online financial service provider.

So, it’s time you seize this opportunity – apply for your American Express business credit card today!

American Express Company
Corporate Headquarters
New York, 200 Vesey St, United States
Phone number: 1-800-528-2122
www.americanexpress.com

Pros

American Express business credit card is the perfect solution for your business needs, thanks to its:

  • Unique reward programs
  • Global acceptance at most locations
  • Comprehensive purchase protection coverage
  • Efficient expense management tools
  • Valuable travel benefits

Cons

Don’t sign up for an American Express business credit card if you can’t cope with its:

  • Higher annual fees
  • Lower credit limit offers
  • Less rewards in certain categories
  • Limited introductory offers

Strict requirements for a premium card

Who American Express Business Credit Cards Is Best For

An American Express business credit card is best for you if you:

  • Demonstrate a strong credit history
  • Own or manage a registered business entity
  • Maintain a consistent and sufficient income for creditworthiness
  • Need to separate your personal and business expenses
  • Seek access to business-specific rewards and benefits
  • Value premium customer service and support
  • Require expense tracking and reporting tools for your business expenses
  • Want access to business-related discounts and offers

Who American Express Business Credit Cards Isn’t Right For

American Express business credit cards may not be best for you if you:

  • Are a non-citizen with no eligible documentation
  • Operate as a sole proprietor seeking personal credit
  • Have a history of bankruptcy or financial instability
  • Are under the age of 18
  • Have defaulted on previous credit obligations
  • Have no proof of income
  • Engage in illegal or prohibited activities
  • Operate a business with no proper tax identification number

What American Express Business Credit Cards Offers

American Express offers you an array of unique business credit cards tailored to elevate your business and provide you with lucrative rewards, benefits, and financial flexibility.

  • American Express Business Gold Card: Get 4X points on two categories you spend most on, plus 3X points on airfare, advertising, and shipping. Maximize your rewards!
  • American Express Business Platinum Card: Unleash premium benefits such as access to airport lounge, $200 airline fee credit, 5X points on your flights, hotels & resorts, and Global Entry/TSA PreCheck reimbursement.
  • American Express Blue Business Plus: Multiply your growth by earning 2X points on your first $50K purchases in a year plus 1X points on the rest. Enjoy 0% APR for 12 months with no annual fee.
  • American Express Business Green Card: Elevate your business with 2X points on eligible travel, and earn 1X points on all your everyday purchases. If you are an eco-conscious entrepreneur, here is the ideal card for you.
  • American Express Blue Business Cash: Boost your cash flow with 2% cashback on up to $50K purchases per year, then 1% thereafter. No annual fee, 0% APR for 12 months.
  • American Express Plum Card: A Plum credit card allows you to choose any of the flexible payment options you want such as 1.5% early-pay discount or 60 days to pay without interest. Receive up to 1.5% cash back depending on your payment choice.
  • Delta SkyMiles Business Credit Cards: Reach new heights with Delta! Get SkyMiles, free checked bags, priority boarding, and other travel perks. Secure multiple cards tailored to your business needs.
  • Marriott Bonvoy Business American Express Card: Experience rewarding stays with Marriott Bonvoy points! Receive automatic Silver Elite status, free night awards, and more exclusive hotel benefits just for you!
  • Hilton Honors American Express Business Card: Expand your hospitality through Hilton Honors points, complimentary Gold status, airport lounge access, and free weekend nights.
  • American Express Business Card: The versatile solution! Obtain membership reward points on all your purchases with flexible spending limits, and expense management tools.

American Express Business Credit Cards Details

American Express Business Gold Card

Earn up to 4X membership reward points on select purchases with a Gold business credit card from American Express. You can also secure 25,000 bonus points after spending $5,000 in your first 3 months.

Access expense management tools and travel protections  with zero foreign transaction fees. Elevate your business with this premium credit card and maximize your rewards!

American Express Business Platinum Card

Through an American Express Business Platinum credit card, you can secure exclusive perks such as 5X membership reward points on flights and hotels, airport lounge access, and a $200 airline fee credit.

Enjoy concierge service, Global Entry or TSA PreCheck® fee credit, and up to $200 Dell credit annually.

American Express Blue Business Plus

Simplify your expenses with a Blue Business Plus credit card from American Express and get 2X reward points on all your eligible purchases, up to $50,000 per year.

No annual fee, flexible payment options, and a 0% introductory APR for the first 12 months. Give your business the ultimate financial flexibility with this unique card.

American Express Business Green Card

Grow your business while staying green with this environmentally conscious credit card from American Express. You can receive up to $100 in statement credits for lounge access and up to $150 in statement credits for eligible hotel stays each year.

You’ll also get 2X points on all your eligible purchases and build a sustainable future for your business.

American Express Blue Business Cash

Use an American Express Business Cash credit card to boost your cash flow by earning 2% cash back when you make eligible purchases up to $50,000 per calendar year.

You won’t pay annual fees and you’ll receive a 0% introductory APR for 12 months. Enjoy Expanded Buying Power and purchase protection benefits. Maximize your business savings with this rewarding cashback card.

American Express Plum Card

With an American Express Plum business credit card, you take control of your payment terms and get a 1.5% early-pay discount or pay later without interest. Also, you enjoy a spending limit that adjusts with your business needs.

Delta SkyMiles Business Credit Cards

American Express offers you an opportunity to fly high and earn miles with every Delta purchase through its Delta SkyMiles business credit cards. Enjoy priority boarding, first checked bag free, and discounted Delta Sky Club® access.

Make sure you accelerate your rewards with additional bonus miles and take your business travels to new heights with these co-branded credit cards.

Marriott Bonvoy Business American Express Card

A Marriott Bonvoy Business American Express credit card helps you elevate your stay with up to 75,000 bonus points after qualifying purchases. Receive up to 6x points at participating Marriott Bonvoy hotels, 4x at U.S. restaurants, gas stations, and more.

Ensure you leverage the complimentary Marriott Bonvoy Silver Elite status and enjoy the free Wi-Fi. Unveil a world of travel possibilities for your business.

Hilton Honors American Express Business Card

Turn your business expenses into dream vacations with a Hilton Honors American Express Business credit card. Get up to 130,000 Hilton Honors bonus points and enjoy the complimentary Gold Status.

Furthermore, when you earn rewards at an accelerated rate on eligible purchases, you’ll receive valuable travel protection benefits plus free weekend night rewards.

American Express Business Card

Fuel your business growth with this dynamic credit card from American Express. You can receive a generous credit limit with customizable rewards.

Don’t forget to utilize its expense management tools for your business and explore certain benefits such as purchase protection, extended warranty, and travel accident insurance. Empower your business with the flexibility and security it deserves.

Where American Express Business Credit Cards Stands Out

Exclusive Business Benefits

Consider American Express for your business credit card as it offers you exclusive perks like business lounge access and expense management tools.

You can enhance your business operations and travel experience with these benefits. So, take advantage of these valuable resources now!

Robust Expense Tracking

Utilize advanced expense tracking features to categorize, analyze, and monitor your business spending through the American Express business credit card.

Gain financial insights that help you budget and make accurate decisions. Regularly review your expense reports for financial efficiency.

Exceptional Customer Service

Benefit from top-notch customer service when you secure a business credit card from American Express. Receive personalized assistance, quick dispute resolutions, and expert advice tailored to your business needs.

With 24/7 availability, American Express ensures you have a seamless card experience!

Where American Express Business Credit Cards Falls Short

Higher Annual Fees

American Express business credit cards often come with higher annual fees compared to its competitors. Ensure the benefits of the specific business credit card you choose outweigh costs before you apply.

Introductory Offers Temptation

While exploring an American Express business credit card, be cautious of enticing introductory offers, as it may lead to you overspending or accumulating debt. Stick to your budget and avoid unnecessary purchases, regardless of the attractive promotions.

Smaller Business-Focused Perks

Although the reward offers of American Express business credit cards are great, it may not cater to certain industries or small businesses. Check if the card’s benefits cater to your business niche or explore other options that better suit your requirements.

How to Qualify for an American Express Business Credit Card

You can qualify for an American Express business credit card if you:

  • Operate a legal business entity
  • Have a strong credit history and score
  • Maintain a low debt-to-credit ratio
  • Apply using accurate financial and business information
  • Demonstrate stable revenue and income
  • Meet minimum income and credit requirements
  • Follow application instructions carefully

How to Apply for an American Express Business Credit Card

To apply for an American Express business credit card:

  • Gather your business financial documents
  • Visit the American Express website
  • Click “Apply Now” for your chosen card
  • Fill the online application form accurately
  • Provide business and personal documents
  • Review your application for accuracy
  • Submit your application
  • Wait for application processing and approval decision notification

Alternatives to American Express Business Credit Cards

Chase Ink Business Preferred®

Check out Chase Ink Business Preferred® credit card, an alternative of American Express that provides you with generous rewards and signup bonuses. You can maximize your profits effortlessly as it empowers you to earn more points on business expenses like advertising and travel.

Capital One Spark Cash

If you want to unlock opportunities for your growing enterprise, choose Capital One Spark Cash business credit card over American Express. It presents a seamless cashback experience, granting you unlimited 2% cashback on all your purchases. Experience the ease of tracking expenses and enhancing your cash flow!

Customer Reviews

American Express business credit cards receive positive customer reviews with an average star rating of 4.5—thanks to its exceptional rewards program, generous cashback and travel benefits. Also, users appreciate the American Express customer service for promptness and efficiency.

Furthermore, the wide acceptance of American Express business credit cards is a significant advantage. However, some customers express dissatisfaction with the annual fee and occasionally limited acceptance in certain locations. Nevertheless, the overall positive feedback emphasizes that American Express business credit card is a reliable choice for any entrepreneur seeking valuable perks and top-notch service.

Pro Tips

Take note of these pro tips before you choose any of the American Express business credit cards for your business:

  • Evaluate reward programs and benefits
  • Compare annual fees and charges
  • Check card acceptance at merchants
  • Consider cardholder protection and insurance options
  • Analyze credit limit suitability for your business expenses

Recap

Take charge of your business finances with an American Express business credit card! You have access to a range of options tailored to suit your needs. Enjoy competitive rewards, cashback, and travel benefits, all designed to boost your bottom line. Manage expenses efficiently, monitor transactions effortlessly, and gain insights with detailed reports. Unlock new opportunities for your business today!

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