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Best American Express Business Cards of April 2024

By Randa Kriss
Last updated on April 16, 2024
Edited byRyan Lane
Fact checked and reviewed

⏰ Estimated read time: 9 minutes

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

American Express business credit cards are well known for generous rewards and perks. The issuer offers something for almost any small-business owner — from long 0% intro APR periods to high cash-back rates to luxury travel options (albeit with expensive fees to match). If you prefer point programs, AmEx's is near the top of the bunch with NerdWallet valuing Membership Reward points at up to
2.8
cents each.
Most AmEx business cards require good-to-excellent personal credit. That includes co-branded small-business credit cards with Delta, Hilton and Marriott, as well as Amazon and Lowe’s. If you have a personal FICO score below 690, you'll need to look elsewhere. Frequent international travelers may also want to explore alternatives, as AmEx isn't as widely accepted abroad as other options and the issuer's no-annual-fee cards sport foreign transaction fees.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

American Express business credit cards are well known for generous rewards and perks. The issuer offers something for almost any small-business owner — from long 0% intro APR periods to high cash-back rates to luxury travel options (albeit with expensive fees to match). If you prefer point programs, AmEx's is near the top of the bunch with NerdWallet valuing Membership Reward points at up to
2.8
cents each.
Most AmEx business cards require good-to-excellent personal credit. That includes co-branded small-business credit cards with Delta, Hilton and Marriott, as well as Amazon and Lowe’s. If you have a personal FICO score below 690, you'll need to look elsewhere. Frequent international travelers may also want to explore alternatives, as AmEx isn't as widely accepted abroad as other options and the issuer's no-annual-fee cards sport foreign transaction fees.
Note: Some of our selections can be applied for through NerdWallet, and some cannot. Below, you’ll find application links for the credit cards from our partners that are available through NerdWallet, followed by the full list of our picks.

Looking for a business credit card?

See our overall favorites, or choose your business type to find the best options for you.

Our top overall picks

on Nerdwallet's secure site

Here are the best American Express business cards from our partners

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Intro APR and cash back

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Intro APR and rewards points

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Customized rewards

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Luxury travel perks and rewards

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airline miles

$650

1x-3x

Miles

75,000

Miles

Apply now

on American Express' website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Automatic free night

$125

2x-6x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Hilton loyalists

$195

3x-12x

Points

175,000

Points

Apply now

on American Express' website

Rates & Fees

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.4/5

Best for Amazon spending

$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

Credit cardNerdWallet ratingAnnual feeRewards rateIntro offerLearn more

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Intro APR and cash back

$0

1%-2%

Cashback

$250

Apply now

on American Express' website

Rates & Fees

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Rates & Fees

4.6/5

Best for Intro APR and rewards points

$0

1x-2x

Points

15,000

Points

Apply now

on American Express' website

Rates & Fees

American Express® Business Gold Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Customized rewards

$375

1x-4x

Points

70,000

Points

Apply now

on American Express' website

Rates & Fees

The Business Platinum Card® from American Express

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Luxury travel perks and rewards

$695

1x-5x

Points

120,000

Points

Apply now

on American Express' website

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Airline miles

$650

1x-3x

Miles

75,000

Miles

Apply now

on American Express' website

Rates & Fees

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Rates & Fees

5.0/5

Best for Automatic free night

$125

2x-6x

Points

150,000

Points

Apply now

on American Express' website

Rates & Fees

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Rates & Fees

4.9/5

Best for Hilton loyalists

$195

3x-12x

Points

175,000

Points

Apply now

on American Express' website

Rates & Fees

Amazon Business Prime American Express Card

Apply now

on American Express' website

Rates & Fees

4.4/5

Best for Amazon spending

$0

1%-2%

$125

Apply now

on American Express' website

Rates & Fees

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Our pick for

Intro APR and cash back

The American Express Blue Business Cash™ Card

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250
The American Express Blue Business Cash™ Card
earns a solid cash back rate on purchases (up to a point) for an annual fee of
$0
. This simple cash-back card gives you a good introductory APR period, which can be great for newer businesses looking to finance large purchases.

The American Express Blue Business Cash™ Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2% Cashback
Intro offer
$250

Our pick for

Intro APR and rewards points

The Blue Business® Plus Credit Card from American Express

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points
The Blue Business® Plus Credit Card from American Express
has solid ongoing rewards, and the intro APR offer is great for new businesses and startups looking to finance large purchases.

The Blue Business® Plus Credit Card from American Express

NerdWallet rating 

4.6/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1x-2x Points
Intro offer
15,000 Points

Our pick for

Customized rewards

American Express® Business Gold Card

Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points
The unique rewards structure on the
American Express® Business Gold Card
automatically changes with your spending, which can mean big rewards — if your purchases match its bonus categories. You can earn 4X points on the first $150,000 in combined purchases in eligible categories each calendar year. Terms apply.

American Express® Business Gold Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$375
Rewards rate
1x-4x Points
Intro offer
70,000 Points

Our pick for

Luxury travel perks and rewards

The Business Platinum Card® from American Express

Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points
The Business Platinum Card® from American Express
is ideal for business owners looking for a luxury travel rewards card, assuming you don’t mind paying a high annual fee. This card earns impressive ongoing rewards, includes a great welcome offer and provides a range of luxury perks for frequent travelers.

The Business Platinum Card® from American Express

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$695
Rewards rate
1x-5x Points
Intro offer
120,000 Points

Our pick for

Airline miles

Delta SkyMiles® Reserve Business American Express Card

Apply now

on American Express' website

Annual fee
$650
Rewards rate
1x-3x Miles
Intro offer
75,000 Miles
This AmEx small-business credit card is ideal for frequent travelers, offering a range of luxury perks in addition to Delta-specific rewards. The
Delta SkyMiles® Reserve Business American Express Card
includes airport lounge access, an annual companion certificate, priority boarding and your first checked bag free. Terms apply.

Delta SkyMiles® Reserve Business American Express Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$650
Rewards rate
1x-3x Miles
Intro offer
75,000 Miles

Our pick for

Automatic free night

Marriott Bonvoy Business® American Express® Card

Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points
Frequent travelers looking to earn Marriott hotel rewards are well suited to the
Marriott Bonvoy Business® American Express® Card
. This card allows you to earn on your everyday business spending, as well as your eligible purchases at participating Marriott Bonvoy hotels. Plus, you get one free night per year and complimentary Marriott Bonvoy Gold Elite status.

Marriott Bonvoy Business® American Express® Card

NerdWallet rating 

5.0/5
Apply now

on American Express' website

Annual fee
$125
Rewards rate
2x-6x Points
Intro offer
150,000 Points

Our pick for

Hilton loyalists

The Hilton Honors American Express Business Card

Apply now

on American Express' website

Annual fee
$195
Rewards rate
3x-12x Points
Intro offer
175,000 Points
The Hilton Honors American Express Business Card is a top-notch hotel credit card with a generous welcome offer and rich rewards.

The Hilton Honors American Express Business Card

NerdWallet rating 

4.9/5
Apply now

on American Express' website

Annual fee
$195
Rewards rate
3x-12x Points
Intro offer
175,000 Points

Our pick for

Amazon spending

Amazon Business Prime American Express Card

Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
This cards offers 90 days of interest-free financing or an impressive 5% cash back on your first $120,000 in annual purchases at Amazon Business, Amazon Web Services, Amazon.com and Whole Foods. If you're an Amazon Prime or Business Prime member, those rewards could more than cover your membership.

Amazon Business Prime American Express Card

NerdWallet rating 

4.4/5
Apply now

on American Express' website

Annual fee
$0
Rewards rate
1%-2%
Intro offer
$125
Want to earn more Membership Rewards points?
The American Express business checking account currently has this welcome bonus for new customers:
Earn 30,000 Membership Rewards points, which is equivalent to $240 when converted to a cash deposit into your business checking account. Other redemption options available. Terms apply.
There's also an AmEx business line of credit, making the company a strong choice in general for small-business owners looking to solve multiple financial needs with a single provider.

NerdWallet's editorial picks: Best American Express business cards

Before applying, confirm details on the issuer’s website.

The Business Platinum Card® from American Express

Best for: Luxury travel perks and rewards
NerdWallet star rating:
5
Like the consumer version of this card,
The Business Platinum Card® from American Express
comes with a big annual fee. But business travelers who prefer to go in style will find plenty that appeals to them: high rewards on certain travel purchases, bonus rewards on larger non-travel purchases, a superb newcomer welcome offer, extensive airport lounge access, elite hotel status, hundreds of dollars a year in available credits and a list of perks as long as your arm. It's not cheap, but luxury never is. Terms apply. Learn more and apply.

American Express® Business Gold Card

Best for: Customized rewards
NerdWallet star rating:
5
The rewards on the
American Express® Business Gold Card
adjust according to your spending. You automatically earn bonus rewards in the two categories where you spend the most each month. That can translate into outstanding rewards, as long as your business spends money in those categories. If it doesn't, the steep annual fee probably isn't worth it. The card has six bonus categories: advertising, gas stations, restaurants, software, transit and cell phone service. Only purchases made in the U.S. qualify for bonus categories. Learn more and apply.

Marriott Bonvoy Business® American Express® Card

Best for: Automatic free night
NerdWallet star rating:
5
The
Marriott Bonvoy Business® American Express® Card
can pay for itself just with the automatic free night's stay every year. Add in the included elite status, generous rewards, a dandy welcome offer and more, and it's hard to go wrong. Terms apply. Learn more and apply.

Delta SkyMiles® Reserve Business American Express Card

Best for: Airline miles
NerdWallet star rating:
5
If your business has you on the road a lot, you'll appreciate the airport lounge access on the
Delta SkyMiles® Reserve Business American Express Card
, which includes both Delta's own Sky Clubs and American Express's Centurion Lounges when flying Delta. The annual companion certificate — which is good even in first class — and the checked-bag benefit add considerable value, too. Terms apply. Learn more and apply.

The American Express Blue Business Cash™ Card

Best for: Intro APR and cash back
NerdWallet star rating:
4.9
The American Express Blue Business Cash™ Card
boasts one of the better introductory APR offers among business credit cards. Beyond that, you earn a solid cash-back rate (at least for a while — the rate drops after you hit a spending threshold). There's also a
$0
annual fee. Learn more and apply.

The Hilton Honors American Express Business Card

Best for: Hilton loyalists
NerdWallet star rating:
4.9
The Hilton Honors American Express Business Card
is an outstanding small-business hotel credit card — if you frequent Hilton properties. The card features rich ongoing rewards, automatic elite status with Hilton and an annual statement credit for purchases at Hilton properties. But there's no free night award (a standard perk of hotel cards with annual fees) and AmEx scrapped the card's complimentary Priority Pass perk. Terms apply. Learn more and apply.

The Blue Business® Plus Credit Card from American Express

Best for: Intro APR and rewards points
NerdWallet star rating:
4.6
The Blue Business® Plus Credit Card from American Express
is a near-twin to
The American Express Blue Business Cash™ Card
, with one key difference: Rather than cash back, it pays you in AmEx Membership Rewards points. Learn more and apply.

Amazon Business Prime American Express Card

Best for: Amazon Prime members
NerdWallet star rating:
4.4
The
Amazon Business Prime American Express Card
is available to Amazon Prime and Business Prime members. It lets you choose between 90 days of interest-free financing on Amazon Business, Amazon Web Services, Amazon.com and Whole Foods purchases or an impressive 5% cash back on the first $120,000 spent within those categories (1% after that). If you opt for the cash back option, spending just $2,780 in those 5% rewards categories would cover an annual Prime membership, which costs $139 as of this writing and includes a free Business Prime account for a single user. (Business Prime accounts for multiple users currently start at $179.) All cardholders earn
2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. 1% Back on other purchases. Terms Apply.
Learn more and apply.

Should you get an American Express business credit card?

Many of American Express’s business credit cards earned high marks from NerdWallet for their rewards rates and sign-up bonuses. While each card is different, American Express cards may be good choices for businesses that:
  • Spend on travel — and like to go in style. In general, American Express’s travel business credit cards offer generous rewards on travel spending, and its co-branded cards with Delta, Hilton or Marriott Bonvoy are good fits if you’re loyal to those brands. But the highlight is
    The Business Platinum Card® from American Express
    . That card comes with a hefty annual fee: $
    695
    . But with credits toward airline fees and TSA Precheck or Global Entry — and perks like automatic hotel elite status, concierge service and lounge access — frequent travelers can get their money’s worth. 
  • Want no annual fee and simple rewards.
    The American Express Blue Business Cash™ Card
    comes with straightforward
    1%-2%
    cash back. It's one of our picks for the best cash-back business credit cards. If you prefer points,
    The Blue Business® Plus Credit Card from American Express
    offers
    1x-2x
    of those per dollar spent instead. NerdWallet values AmEx points at between 1 and
    2.8
    cents each. 
  • Will take advantage of a long intro APR period.
    The American Express Blue Business Cash™ Card
    offers
    0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.49%-26.49% Variable APR
    , and
    The Blue Business® Plus Credit Card from American Express
    matches it. That's longer than many business credit cards with 0% APR intro periods.  
  • Want more purchasing power. Multiple American Express business credit cards have no preset spending limit, including
    The Plum Card® from American Express
    ,
    The Business Platinum Card® from American Express
    and the
    American Express® Business Gold Card
    . The limits on these cards adjust depending on your purchase, payment and credit history, making them a good potential fit if you're looking for a high-limit business credit card.

Alternatives to American Express business credit cards

An AmEx business credit card might not be the right fit for business owners who:
  • Travel internationally. American Express, in general, isn't accepted as widely abroad as Mastercard and Visa — and its no annual fee
    The American Express Blue Business Cash™ Card
    and
    The Blue Business® Plus Credit Card from American Express
    come with foreign transaction fees. If you or your employees leave the U.S. for work, consider the
    Ink Business Preferred® Credit Card
    instead. That card, issued by Chase, has no foreign transaction fees, plus rewards:
    Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn
    .
  • Want no caps on cash back. With
    The American Express Blue Business Cash™ Card
    , you’ll earn 2% cash back on only your first $50,000 in spending. After that, the rewards rate drops to 1%. If your business spends more than that, consider the
    Capital One Spark Cash Plus
    card — which pays
    2
    % cash back with no limit. (See rates and fees.) It’s a charge card, though, so you’ll need to pay it off in full every month. 
  • Don't have good-to-excellent personal credit. American Express is hardly alone in requiring a personal FICO score of at least 690; that's the starting point for most business credit cards. However, other big-name issuers offer options for entrepreneurs with thin or poor personal credit. For instance, the
    Capital One® Spark® Classic for Business
    is one of a few business credit cards for fair credit (typically a FICO score between 630 and 690). For those with a score below that threshold, a secured business credit card like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card can help your business establish credit.

Other business cards issued by American Express

These additional business credit cards are issued by American Express, but fell short of our top picks:

Other Delta business credit cards

Other Amazon business credit cards

Other business credit cards

American Express also offers corporate cards to limited liability partnerships, corporations and LLCs. You'll need at least $4 million in annual revenue and yearly credit card spending equal to 10% or less of your annual revenue to qualify. Other corporate cards may have requirements that are more accessible for interested business owners.
• • • • • • • • •
All information about the
Business Green Rewards Card from American Express
has been collected independently by NerdWallet. The
Business Green Rewards Card from American Express
is no longer available through NerdWallet.
To view rates and fees of the
American Express® Business Gold Card
, see this page.
To view rates and fees of
The Business Platinum Card® from American Express
, see this page.
To view rates and fees of
The American Express Blue Business Cash™ Card
, see this page.
To view rates and fees of
The Blue Business® Plus Credit Card from American Express
, see this page.
To view rates and fees of the
Delta SkyMiles® Gold Business American Express Card
, see this page.
To view rates and fees of the
Delta SkyMiles® Platinum Business American Express Card
, see this page.
To view rates and fees of the
Delta SkyMiles® Reserve Business American Express Card
, see this page.
To view rates and fees of the
Marriott Bonvoy Business® American Express® Card
, see this page.
To view rates and fees of
The Hilton Honors American Express Business Card
, see this page.
To view rates and fees of the
Amazon Business Prime American Express Card
, see this page.
To view rates and fees of the
Amazon Business American Express Card
, see this page.
To view rates and fees of
The Plum Card® from American Express
, see this page.
The information related to the
Capital One® Spark® Classic for Business
credit card has been collected by NerdWallet and has not been reviewed or provided by the issuer or provider of this product or service.
Last updated on April 16, 2024

Methodology

NerdWallet's Credit Cards team selects the best credit cards for small business based on overall consumer value, as evidenced by star ratings, as well as their suitability for specific kinds of small-business operators. Factors in our evaluation include annual and other fees, rewards rates, the earning structure (for example, flat-rate rewards versus bonus categories), redemption options, bonus offers for new cardholders, introductory and ongoing APRs, and other noteworthy features such as special financing arrangements, free cards for employees or tools for managing business expenses. Learn more about how we rate business credit cards.

Frequently Asked Questions

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Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.

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Find a business credit card that works as hard as you do

Looking to earn rewards or build your credit? We’ll help match you to the perfect business credit card based on your qualifications.