Best American Express Business Cards of June 2025

American Express business credit cards offer something for almost anyone. But they require good-to-excellent personal credit. You'll likely need a personal FICO score of 690 or higher to be approved.
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Best Small Business Credit Card 2025
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Best small-business credit card

Ink Business Unlimited® Credit Card

on Chase's website

Best American Express Business Cards

Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

on American Express' website

Intro APR and cash back

$0

1%-2%

Cashback

$250

on American Express' website

Pros

  • High cash-back bonus rate
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Spending caps on bonus rewards
  • Low rate after you hit bonus cap
The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

on American Express' website

Intro APR and rewards points

$0

1x-2x

Points

15,000

Points

on American Express' website

Pros

  • High rewards rate
  • Intro APR period
  • New cardholder bonus offer

Cons

  • Spending caps on bonus rewards
  • Low rate after you hit bonus cap
American Express® Business Gold Card

American Express® Business Gold Card

on American Express' website

Rewards on advertising, gas and restaurants

$375

1x-4x

Points

100,000

Points

on American Express' website

Pros

  • Transfer partners
  • New cardholder bonus offer
  • Intro APR period
  • High reward rate in bonus categories

Cons

  • High annual fee
  • Complicated rewards
  • Spending caps on bonus rewards
The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

on American Express' website

Luxury travel perks and rewards

$695

1x-5x

Points

150,000

Points

on American Express' website

Pros

  • Lounge membership
  • Transfer partners
  • Automatic elite status
  • Annual statement credit for travel, business expenses
  • New cardholder bonus offer

Cons

  • High annual fee
  • Low ongoing rewards rate
Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

on American Express' website

Airline miles (premium card)

$650

1x-3x

Miles

110,000

Miles

on American Express' website

Pros

  • High rewards rate
  • New cardholder bonus offer
  • Generous free checked bag benefit
  • SkyClub and Centurion Lounge membership (terms apply)
  • Companion pass benefit

Cons

  • High annual fee
  • Limited reward redemption options
Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

on American Express' website

Hotel card for automatic free nights

$125

2x-6x

Points

3 Free Night Awards

Points

on American Express' website

Pros

  • High rewards rate
  • Automatic elite status
  • Free night reward on cardholder anniversary
  • New cardholder bonus offer

Cons

  • Rewards have limited flexibility
The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

on American Express' website

Hilton rewards

$195

3x-12x

Points

Up to 175,000 Points

Points

on American Express' website

Pros

  • High rewards rate
  • Automatic elite status
  • New cardholder bonus offer
  • Annual Hilton travel credit

Cons

  • High annual fee
  • No free anniversary night
  • Rewards have limited flexibility
Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

on American Express' website

Amazon spending (AWS, Amazon Business and Amazon.com).

$0

1%-2%

$125

on American Express' website

Pros

  • No annual fee
  • No foreign transaction fees
  • High reward rate in bonus categories

Cons

  • Spending caps on bonus rewards
  • Prime membership required
Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

on American Express' website

Airline miles (entry-level card)

$0 intro for the first year, then $150

1x-2x

Miles

90,000

Miles

on American Express' website

Pros

  • No annual fee for the first year
  • New cardholder bonus offer
  • Generous free checked bag benefit
  • Early boarding
  • Annual flight credit (terms apply)

Cons

  • Limited reward redemption options
  • Does not include lounge access or automatic elite status
Credit card Best for NerdWallet rating Annual fee Rewards rate Intro offer Learn more
The American Express Blue Business Cash™ Card

The American Express Blue Business Cash™ Card

on American Express' website

Intro APR and cash back

$0

1%-2%

Cashback

$250

on American Express' website

The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express

on American Express' website

Intro APR and rewards points

$0

1x-2x

Points

15,000

Points

on American Express' website

American Express® Business Gold Card

American Express® Business Gold Card

on American Express' website

Rewards on advertising, gas and restaurants

$375

1x-4x

Points

100,000

Points

on American Express' website

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

on American Express' website

Luxury travel perks and rewards

$695

1x-5x

Points

150,000

Points

on American Express' website

Delta SkyMiles® Reserve Business American Express Card

Delta SkyMiles® Reserve Business American Express Card

on American Express' website

Airline miles (premium card)

$650

1x-3x

Miles

110,000

Miles

on American Express' website

Marriott Bonvoy Business® American Express® Card

Marriott Bonvoy Business® American Express® Card

on American Express' website

Hotel card for automatic free nights

$125

2x-6x

Points

3 Free Night Awards

Points

on American Express' website

The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

on American Express' website

Hilton rewards

$195

3x-12x

Points

Up to 175,000 Points

Points

on American Express' website

Amazon Business Prime American Express Card

Amazon Business Prime American Express Card

on American Express' website

Amazon spending (AWS, Amazon Business and Amazon.com).

$0

1%-2%

$125

on American Express' website

Delta SkyMiles® Gold Business American Express Card

Delta SkyMiles® Gold Business American Express Card

on American Express' website

Airline miles (entry-level card)

$0 intro for the first year, then $150

1x-2x

Miles

90,000

Miles

on American Express' website

Here are the best American Express business cards

The American Express Blue Business Cash™ Card

Best for Intro APR and cash back

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

The American Express Blue Business Cash™ Card

Best for Intro APR and cash back

Annual fee
$0

Rewards rate
1%-2%

Cashback

Intro offer
$250

on American Express' website

The Blue Business® Plus Credit Card from American Express

Best for Intro APR and rewards points

Annual fee
$0

Rewards rate
1x-2x

Points

Intro offer
15,000

Points

on American Express' website

The Blue Business® Plus Credit Card from American Express

Best for Intro APR and rewards points

Annual fee
$0

Rewards rate
1x-2x

Points

Intro offer
15,000

Points

on American Express' website

American Express® Business Gold Card

Best for Rewards on advertising, gas and restaurants

Annual fee
$375

Rewards rate
1x-4x

Points

Intro offer
100,000

Points

on American Express' website

American Express® Business Gold Card

Best for Rewards on advertising, gas and restaurants

Annual fee
$375

Rewards rate
1x-4x

Points

Intro offer
100,000

Points

on American Express' website

The Business Platinum Card® from American Express

Best for Luxury travel perks and rewards

Annual fee
$695

Rewards rate
1x-5x

Points

Intro offer
150,000

Points

on American Express' website

The Business Platinum Card® from American Express

Best for Luxury travel perks and rewards

Annual fee
$695

Rewards rate
1x-5x

Points

Intro offer
150,000

Points

on American Express' website

Delta SkyMiles® Reserve Business American Express Card

Best for Airline miles (premium card)

Annual fee
$650

Rewards rate
1x-3x

Miles

Intro offer
110,000

Miles

on American Express' website

Delta SkyMiles® Reserve Business American Express Card

Best for Airline miles (premium card)

Annual fee
$650

Rewards rate
1x-3x

Miles

Intro offer
110,000

Miles

on American Express' website

Marriott Bonvoy Business® American Express® Card

Best for Hotel card for automatic free nights

Annual fee
$125

Rewards rate
2x-6x

Points

Intro offer
3 Free Night Awards

Points

on American Express' website

Marriott Bonvoy Business® American Express® Card

Best for Hotel card for automatic free nights

Annual fee
$125

Rewards rate
2x-6x

Points

Intro offer
3 Free Night Awards

Points

on American Express' website

The Hilton Honors American Express Business Card

Best for Hilton rewards

Annual fee
$195

Rewards rate
3x-12x

Points

Intro offer
Up to 175,000 Points

Points

on American Express' website

The Hilton Honors American Express Business Card

Best for Hilton rewards

Annual fee
$195

Rewards rate
3x-12x

Points

Intro offer
Up to 175,000 Points

Points

on American Express' website

Amazon Business Prime American Express Card

Best for Amazon spending (AWS, Amazon Business and Amazon.com).

Annual fee
$0

Rewards rate
1%-2%

Intro offer
$125

on American Express' website

Amazon Business Prime American Express Card

Best for Amazon spending (AWS, Amazon Business and Amazon.com).

Annual fee
$0

Rewards rate
1%-2%

Intro offer
$125

on American Express' website

Delta SkyMiles® Gold Business American Express Card

Best for Airline miles (entry-level card)

Annual fee
$0 intro for the first year, then $150

Rewards rate
1x-2x

Miles

Intro offer
90,000

Miles

on American Express' website

Delta SkyMiles® Gold Business American Express Card

Best for Airline miles (entry-level card)

Annual fee
$0 intro for the first year, then $150

Rewards rate
1x-2x

Miles

Intro offer
90,000

Miles

on American Express' website

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.

Should you get an American Express business credit card?

Many options from American Express earn high marks in our criteria for best business credit cards. 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 and 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 1.2 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 17.49%-27.49% 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.
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. Convert Membership Rewards® points into deposits directly into your American Express® Business Checking account. Other redemption options available. Terms apply. 1) Deposit a total of $5,000 or more in eligible deposits within 30 days of opening your first account, AND ▪ Eligible deposits are any deposits except deposits using our Redeem for Deposits feature, deposits from interest payments, and deposits from any other American Express Business Checking accounts. 2) Maintain an average account balance of $5,000 for the next 60 days, AND 3) Make 5 or more qualifying transactions within 60 days of opening your account ▪ Qualifying transactions are mobile deposits, check deposits by mail, and electronic/online transactions including ACH, Wire, and Bill Payments. Business Debit Card transactions and deposits using our Redeem for Deposits feature are not qualifying transactions. 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. Deposit accounts offered by American Express National Bank. Member FDIC.

Alternatives to American Express business credit cards

An AmEx business credit card might not be the right fit for business owners who:
  • Budget-conscious international travelers. While American Express travel cards don't charge foreign transaction fees, most come with hefty annual fees. The Business Platinum Card® from American Express, for example, carries a $695 annual fee. The Chase Ink Business Preferred is a great alternative, with no foreign transaction fees, a much smaller annual fee ($95) and elevated rewards on travel, among other categories: 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 card — which pays 2% cash back with no limit. That card does have an annual fee, but it's waived the first year. (See rates and fees .)
  • 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.
Notes from card issuers
To view rates and fees of the Business Green Rewards Card from American Express, see this page.
All information about the Lowe's Business Rewards Card from American Express has been collected independently by 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 June 12, 2025

Methodology

NerdWallet's business credit card team selects the best small-business credit cards without outside input from partners or other business interests. We evaluate business cards based on value and simplicity, weighing fees, sign-up bonuses and reward rates, alongside perks like interest-free periods, statement credits and elite status (for travel cards). Business cards that earn the highest scores deliver the most value to the greatest number of business owners.
Notable changes to our methodology for 2025 include factoring in whether spending on employee cards earns rewards and counts toward the welcome offer requirements. We also now consider what information the card issuer reports to consumer credit bureaus. Learn how NerdWallet rates small-business credit cards.