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What are the best American Express Business Cards?

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American Express offers a wide variety of business credit cards with a comprehensive set of rewards aimed at those who make most of their American Express transactions for work related purposes like travel, commuting, and business dining. In fact, many of the most popular American Express consumer cards are also available with benefits and rewards tailored especially to business users.

Of course, the best business credit card for you will depend a great deal on how you use it. If you plan to use your card for business travel, you’ll want to seek an option with enhanced travel rewards, especially for business class bookings. On the other hand, if you’re looking for ways to save money on your daily commute to work, you may want to consider a business credit card with generous rewards points or cash back every time you pay at the pump or call for an Uber or Lyft.

In other words, the best business credit card for a given business customer can vary depending on the nature of the business and the spending needs of the cardholder.

If you’re particularly interested in enhanced travel benefits, you might also want to check out our article on the best American Express cards for earning travel rewards. Otherwise, read on for our spotlight on some of the most popular business credit cards from American Express.

The Best Business Credit Cards from American Express

The best business credit cards from American Express combine travel rewards, enhanced points packages, flight deals, and elite access to fine dining, cultural events, airport lounges and more. You can also expect greater flexibility when it comes to the spending categories where you can earn multiplied points. Many of the cards featured below are highly adaptable, made to provide maximum spending value for businesses of all shapes and sizes. 

The Business Platinum Card® from American Express

This premium business card is popular for combining the same generous welcome bonus and travel rewards you’ll get with the consumer-facing Platinum Card with an array of perks uniquely targeting business users including multiplied points for business expenses and statement credits toward technology, recruitment and more.

  • Annual Fee: $695 (see rates and fees)
  • Key Features:
    • Earn between 120,000 and 170,000 Membership Rewards Points (depending on the promotional offer available at the time of your application; currently 150,000) after you spend $20,000 on eligible purchases with your Platinum Business Card in the first three months.
    • 5x Membership Rewards® Points on Flights and Prepaid Hotels when you book using the portal.
    • 1.5x Membership Rewards points per dollar spent on eligible purchases in key business categories, as well as on each purchase of $5,000 or more everywhere else. Remarkably, you can continue to earn this multiplied reward points for up to $2 million in eligible purchases in a single calendar year!
    • Up to $400 Dell Technologies Credit toward U.S. purchases with Dell Technologies on the Business Platinum Card, divided into semi annual statement credits.
    • Up to $360 Indeed Credit, divided into quarterly statement credits, for purchases with made using the Business Platinum Card.
    • Access to the Global Lounge Collection, including 1,400+ airport lounges in over 500 airports around the world.
    • Up to $200 Airline Fee Credit per year distributed in statement credits to cover incidental fees charged to your card any time you spent at a qualifying airline of your choice.
  • Why It’s So Popular with Business Users: The Platinum Card’s extensive travel benefits appeal directly to the needs of those who fly frequently for business. Among its top perks are the access it provides to luxury airport lounges, hotel elite status, and significant points earning potential on travel-related purchases. It’s also worth noting that the ability to earn 1.5x points for up to $2 million in eligible purchases is a unique feature with particular appeal to business users. This unusually high ceiling for earning multiple points provides unparalleled value to cardholders in search of the spending flexibility required to run a business.

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American Express® Business Gold Card

The Business Gold Card is at once highly flexible and uniquely tailored to reward cardholders for use on business expenses. The Business Gold Card provides you with the freedom to benefit most for transactions made in the categories where you do the most spending. This is a great way to maximize your point potential that is entirely driven by your business spending habits. This gives the Gold Card the kind of versatility needed to deliver maximum benefits for cardholders in a wide variety of business sectors.

  • Annual Fee: $375 (see rates and fees).
  • Key Features:
    • Earn a welcome bonus of 70,000 to 125,000 Membership Rewards Points, depending on the promotional conditions at the time of your application (currently, 70,000), after you spend $10,000 on eligible purchases on your Business Gold Card in the first three months after opening your account.
    • Earn 4x Membership Rewards points in 2 select categories where you spend the most each month for up to $150,000 in combined purchases over the course of the year; 1x thereafter.
    • Earn 3x Membership Rewards points on flights and prepaid hotels booked using the online portal.
    • Earn up to $395 back in statement credits annually on eligible purchases with select shipping, food delivery and retail subscription merchants, particularly where you make everyday business purchases including national and global brands like FedEx, GrubHub, and Walmart.
  • Why It’s So Popular with Business Users: The Business Gold Card is essentially a customizable rewards program, offering business users the best way to maximize the return on their spending regardless of where that spending takes place. This, along with a generous introductory bonus and an annual fee that comes in at roughly half that of the Platinum Card, makes it a very widely used card among business class travelers and spenders.

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[Curious which American Express Cards come with the finest business traveler perks? Why not start with a look at the card membership programs that offer complimentary access to the American Express Global Lounge Collection?]

The Blue Business® Plus Credit Card from American Express

If you’re looking for a business credit card that minimizes fees while offering the ultimate in spending flexibility, the Blue Business Plus card could be a good fit for your business. While the rewards points are more modest than those affiliated with the Platinum, Gold, or Business Green Rewards Cards, so is the fee structure.

  • Annual Fee: $0 (see rates and fees).
  • Key Features:
    • 0% introductory APR on all purchases for 12 months from the date of account opening. Once this promotional period ends, you will receive a variable rate APR between 18.49% and 26.49%. Your long-term APR will be based on a variety of factors, including market conditions and your credit history, credit score, and overall creditworthiness.
    • Earn a welcome bonus of 15,000 Membership Rewards® Points after you spend $3,000 on eligible purchases using your Business Blue Card within your first three months after account opening.
    • Earn 2x points on the first $50,000 in purchases each year and earn 1x points thereafter with no category restrictions.
    • Earn an additional point for each dollar spent on eligible travel purchases made through the online portal.
    • With the Amex Expanded Buying Power, Blue Business Plus cardholders enjoy total spending flexibility. This feature means that you’ll pay no over-limit fees exceeding your credit limit and that you can even continue to earn Membership Rewards points or cash back on purchases above your credit limit as long as you pay the minimum due each month.
  • Why It’s So Popular with Business Users: With no annual fee and a full year before interest rates kick in, this is a great option for small business owners. In addition to providing maximum rewards for minimal cost, the Expanded Buying Power feature and the ability to earn cash back for shopping without category restrictions combine to make this a uniquely versatile card.

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Delta SkyMiles® Gold Business American Express Card

The Delta SkyMiles series of cards caters specifically to businesses and business persons who frequently travel with Delta Airlines. So naturally, its appeal is limited only to those who have access to and prefer Delta Airlines for their business travel needs. If you or your business do prefer Delta Airlines, the Delta SkyMiles Gold Business card offers excellent value, combining a low annual fee with perks like priority boarding, a first checked bag free, access to Delta’s Airport SkyLounge locations, and the opportunity to earn Delta SkyMiles on business-related purchases

  • Annual Fee: $0 introductory rate for the first year; $150 for every year thereafter (see rates and fees).
  • Key Features:
    • Welcome Offer: Earn 55,000 Bonus Miles after spending $4,000 in purchases on your new Card in the first six months of Card Membership.
    • Get 15% off anytime you book Award Travel with miles on Delta flights when using and the Fly Delta app.
    • Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
    • Earn 2x miles on Delta purchases when dining at restaurants worldwide, including takeout and delivery in the U.S., as well as at U.S. supermarkets.
    • Elevate your travel experience with an annual statement credit of up to $150 after using your Delta Gold Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on
    • 1x miles for every eligible dollar you spend on other purchases.
  • Why It’s So Popular with Business Users: If your business uses Delta Airlines to travel, this particular Amex Card offers a unique combination of affordability, discount booking, and enhanced opportunities to earn points for business expenses as varied as work lunches, flights and advertising.

Learn More.

For a look at one of the more popular features available to Delta SkyMiles rewards card members, check out our article on the companion ticket program through American Express, where you may be able to book a travel companion to fly for free.

Keep In Mind…

When you look for the best American Express business card, you’ll want to consider factors such as annual fees, rewards structure, bonus categories, welcome offers, travel benefits, and other perks that align with your business spending and preferences.

You’ll also want to be aware of any terms or conditions that might have been recently updated as they relate to your business credit cards. Some of the perks highlighted above are subject to change, especially welcome bonuses, which often shift bsed on temporary promotional offers.

So be sure to check in with the American Express website for the most up to date information on its portfolio of popular business credit cards before choosing the best American Express Business Credit Card for you.


Now that you know how to earn amazing business credit card rewards, what can you do with them? Find out with a look at our article on how to redeem your rewards points with American Express.

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