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If you own a business, you know it can be difficult to keep your personal expenses separate from your business expenses. The Business Green Rewards Card from American Express comes with tools to help owners track their business spending, including employee charges, along with a chance to earn versatile Membership Rewards points from American Express on every purchase. Terms apply.
Here’s a quick look at the well-known reasons for getting this card, followed by a look at the underrated reasons, too.
The well-known reasons
Welcome bonus: Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership. Terms Apply. (This offer is no longer valid on our site)
2 points for every dollar charged on AmEx Travel.
1 point per dollar on all other purchases.
Points can be used for travel, statement credits and shopping.
Points can be transferred to 19 airline partners.
Annual fee of $0 intro for the first year, then $95 (This offer is no longer valid on our site.).
» Learn more: AmEx Membership Rewards: How to earn and use them
The underrated reasons
If you’re considering applying for this card, those well-known reasons may be all the incentive you need. But as you weigh this card against other options, there are some underrated benefits to keep in mind.
No preset limit on how much you can spend
Most cards put a set cap on how much you can charge, which can be a problem for a business owner faced with occasional large purchases. The Business Green Rewards Card from American Express doesn’t come with a preset spending limit. Instead, the amount you can charge can increase as AmEx considers factors like purchase history, payment history and credit score. Terms apply.
Employee cards for no extra charge
If you want employees to be able to make charges to your account, you can issue them cards for no extra charge. You’ll earn Membership Rewards for each purchase they make, and you’ll have control over their spending. You can set account alerts to help you keep an eye on the charges. Terms apply.
Dedicated account manager
If you’re a busy business owner, you need help to keep things running smoothly. American Express allows you to delegate an account manager to handle your finances, meaning that your assistant, accountant, business partner, spouse or other trusted source will be able to take care of things while you’re away.
Travel with peace of mind
When you or your employees travel and use your Business Green Rewards Card from American Express, you’ll enjoy some travel protections.
Car rental loss and damage insurance: Use your card to rent a car and decline the insurance at the counter and, in many countries, you’ll get secondary coverage on the car.
Baggage insurance: Use your card to pay for travel and your bags are covered up to $1,250 for carry-on luggage and $500 for checked bags.
Global assist hotline: Emergency 24/7 assistance when you’re traveling more than 100 miles from home.
Need to make a large purchase for your business, like electronics or furniture? Your Business Green Rewards Card from American Express may help protect your investment. If the item has a manufacturer’s warranty of five years or less, AmEx will extend that protection up to one additional year.
Even if your item is stolen or damaged, you enjoy certain assurances. AmEx’s purchase protections cover your item for up to $1,000. And the annual cap is a generous $50,000, meaning your coverage doesn’t end after your first claim. Terms apply.
Manage your account with ease
This card comes with tools to help business owners monitor and manage outflows. Your online statements let you review purchase history at a glance and prepare reports. Plus, the American Express App can be used to track spending and rewards, find offers, make payments and get account alerts in real-time.
The bottom line
A solid business card with flexible spending limits and complimentary cards for employees, all while earning valuable Membership Rewards points, can be very beneficial to business owners. If that sounds like you, the Business Green Rewards Card from American Express could be a good fit. Terms apply.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2022, including those best for:
Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card
No annual fee: Bank of America® Travel Rewards credit card
Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Bonus travel rewards and high-end perks: Chase Sapphire Reserve®
Luxury perks: The Platinum Card® from American Express
Business travelers: Ink Business Preferred® Credit Card