Best American Express Business Cards of April 2026

Other business cards issued by American Express

Other Delta business credit cards

• Delta SkyMiles® Platinum Business American Express Card

Other business credit cards

• Business Green Rewards Card from American Express
• Lowe's Business Rewards Card from American Express

Should you get an American Express business credit card?

• 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: $895. 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 1.6 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 16.74%-26.74% 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 Graphite™ Business Cash Unlimited Card, 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

• 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 $895 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 5x total points on Lyft rides through 9/30/27. 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%. The Graphite™ Business Cash Unlimited Card fills this gap with unlimited 2% cash back. But there are better, cheaper options. For instance, the Capital One Spark Cash card — which also pays 2% cash back with no limit. However, its annual fee ($0 intro for the first year, then $95; see

  rates and fees

  ) is far less than the Graphite's $295.
• Don't have good-to-excellent personal credit. American Express is hardly alone in requiring a good personal credit score. 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.