Best American Express Business Cards of July 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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Here are your recommended credit cards:

Recommendations do not guarantee card approval

Capital One Venture X Business

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Capital One Venture X Business

4.9

Annual fee

$395

Rewards rate

2x-10x

Miles

Intro offer

150,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
Priority Pass lounge membership
Annual travel credit, bonus points
Statement credit for Global Entry, TSA PreCheck®

Cons

High annual fee
Requires excellent credit
Balance must be paid in full every month

Ink Business Preferred® Credit Card

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Ink Business Preferred® Credit Card

4.5

Annual fee

$95

Rewards rate

1x-3x

Points

Intro offer

90,000

Points

Apply now

on Chase's website

Rates & Fees

Pros

New cardholder bonus offer
Transfer partners

Cons

Does not include lounge access or travel credits

Capital One Spark Miles for Business

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x

Miles

Intro offer

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No reward caps
Statement credit for Global Entry, TSA PreCheck®
Annual fee waived for first year

Cons

Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status

Capital One Spark Miles for Business

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2x-5x

Miles

Intro offer

50,000

Miles

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
New cardholder bonus offer
No reward caps
Statement credit for Global Entry, TSA PreCheck®
Annual fee waived for first year

Cons

Reports all card activity to consumer credit bureaus
Does not include lounge access or automatic elite status

2025 BEST CREDIT CARD SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

2025 BEST CREDIT CARD

SMALL BUSINESS

Ink Business Unlimited® Credit Card

4.9

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$750

Apply now

on Chase's website

Rates & Fees

Pros

High rewards rate
Intro APR period
No reward caps
New cardholder bonus offer

Cons

No bonus categories

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

Apply now

on Bank of America's website

Pros

New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members

Cons

Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus

Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® credit card

4.6

Annual fee

Rewards rate

1.5%

Cashback

Intro offer

$300

Apply now

on Bank of America's website

Pros

New cardholder bonus offer
High rewards rate
Bonus rewards for qualifying Preferred Rewards for Business members

Cons

Requires excellent credit
Multiple accounts, high combined balance required to get Preferred Rewards bonus

Ink Business Cash® Credit Card

4.6

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

on Chase's website

Rates & Fees

Pros

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

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

Ink Business Cash® Credit Card

4.6

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$350

Apply now

on Chase's website

Rates & Fees

Pros

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

Cons

Low rate outside bonus categories
Spending caps on bonus rewards

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

U.S. Bank Triple Cash Rewards Visa® Business Card

4.4

Annual fee

Rewards rate

1%-5%

Cashback

Intro offer

$500

Apply now

on U.S. Bank's website

Rates & Fees

Pros

High cash-back bonus rate
No cap on bonus rewards
Intro APR period on purchases and balance transfers
Reports to Dun & Bradstreet
New cardholder bonus offer

Cons

Low rate outside bonus categories
Activity on employee cards does not count toward bonus spending requirement

Capital One Spark Cash Plus

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash Plus

4.9

Annual fee

$150

Rewards rate

2%-5%

Cashback

Intro offer

$2,000

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No preset spending limit
No foreign transaction fees
New cardholder bonus offer

Cons

High annual fee
Balance must be paid in full every month
High spending requirement to hit bonuses
Requires excellent credit

Capital One Spark Cash

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,500

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Capital One Spark Cash

4.7

Annual fee

$0 intro for the first year, then $95

Rewards rate

2%-5%

Cashback

Intro offer

$1,500

Apply now

on Capital One's website

Rates & Fees

Pros

High rewards rate
No foreign transaction fees
New cardholder bonus offer
No reward caps

Cons

Requires excellent credit
Reports all card activity to consumer credit bureaus
No Intro APR period

Ramp Card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Ramp Card

4.3

Annual fee

Rewards rate

1%-1.5%

Cashback

Intro offer

$250

Apply now

on Ramp's website

Pros

No annual fee or foreign transaction fees
No personal guarantee or credit check
Direct integrations with tools and card-level spending controls
Rewards do not expire
Card-level spending controls

Cons

Not available to sole proprietors
Rewards rate varies and is determined per customer

Brex Card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

Brex Card

5.0

Annual fee

Rewards rate

1x-7x

Points

Intro offer

10,000

Points

Apply now

on Brex's website

Pros

No annual fee or foreign transaction fees
New cardholder bonus offer
No personal guarantee
Card-level spending controls

Cons

Complicated rewards structure
High capital requirement for approval
Daily repayment may be required
Not available to sole proprietors

BILL Divvy Corporate Card

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

BILL Divvy Corporate Card

4.2

Annual fee

Rewards rate

1x-7x

Points

Intro offer

N/A

Apply now

on BILL Spend & Expense's website

Pros

No annual fee
Card-level spending controls
No personal guarantee
Available to sole proprietors

Cons

Complicated rewards structure with limits on redemption
Rewards rate varies depending on user activity

Capital on Tap Business Credit Card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

Capital on Tap Business Credit Card

4.6

Annual fee

Rewards rate

1.5%

Intro offer

N/A

Apply now

on Capital on Tap's website

Pros

High rewards rate
No reward caps
Available with fair credit
No annual fee.
No foreign transaction fees.

Cons

Not available to sole proprietors, charities or nonprofits
Must enroll in automatic payments
Potential for very high APR
No new cardholder bonus offer

or get back to the for more options

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Recommendations do not guarantee card approval

Here are the best American Express business cards

The American Express Blue Business Cash™ Card

4.5

Best for Intro APR and cash back

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

on American Express' website

Rates & Fees

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 American Express Blue Business Cash™ Card

Best for Intro APR and cash back

4.5

Annual fee

Rewards rate

1%-2%

Cashback

Intro offer

$250

Apply now

on American Express' website

Rates & Fees

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

4.4

Best for Intro APR and rewards points

Annual fee

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

on American Express' website

Rates & Fees

Pros

High rewards 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

Best for Intro APR and rewards points

4.4

Annual fee

Rewards rate

1x-2x

Points

Intro offer

15,000

Points

Apply now

on American Express' website

Rates & Fees

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

4.3

Best for Rewards on advertising, gas and restaurants

Annual fee

$375

Rewards rate

1x-4x

Points

Intro offer

100,000

Points

Apply now

on American Express' website

Rates & Fees

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

American Express® Business Gold Card

Best for Rewards on advertising, gas and restaurants

4.3

Annual fee

$375

Rewards rate

1x-4x

Points

Intro offer

100,000

Points

Apply now

on American Express' website

Rates & Fees

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

4.5

Best for Luxury travel perks and rewards

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Apply now

on American Express' website

Rates & Fees

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

Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
$695 Annual Fee.
Terms Apply.

Rates & Fees

The Business Platinum Card® from American Express

Best for Luxury travel perks and rewards

4.5

Annual fee

$695

Rewards rate

1x-5x

Points

Intro offer

150,000

Points

Apply now

on American Express' website

Rates & Fees

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

Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
5X points on flights and prepaid hotels booked on AmexTravel.com
1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X points on other eligible purchases
Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
$695 Annual Fee.
Terms Apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

5.0

Best for Airline miles (premium card)

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

80,000

Miles

Apply now

on American Express' website

Rates & Fees

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

Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Terms and limitations apply.

Rates & Fees

Delta SkyMiles® Reserve Business American Express Card

Best for Airline miles (premium card)

5.0

Annual fee

$650

Rewards rate

1x-3x

Miles

Intro offer

80,000

Miles

Apply now

on American Express' website

Rates & Fees

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

Welcome Offer: Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Delta SkyMiles® Reserve Members receive 15 Visits each Medallion® Year to the Delta Sky Club® and can unlock Unlimited Delta Sky Club Access after spending $75,000 in purchases on your Card in a calendar year.
Earn 3 miles per dollar on eligible Delta purchases.
Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card.
Receive a Companion Certificate on a First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American round-trip flight each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply.
With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
Earn up to $10 back each month after using your enrolled Delta SkyMiles® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $70 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $280 per round-trip flight.
When you purchase a Delta flight with your Delta SkyMiles® Reserve Business Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge.
Receive Zone 5 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
Elevate your travel experience with an annual statement credit of up to $250 after using your Delta SkyMiles® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
Enjoy travel without foreign transaction fees from American Express with your Delta SkyMiles® Reserve Business American Express Card.
Terms and limitations apply.

Rates & Fees

Marriott Bonvoy Business® American Express® Card

5.0

Best for Hotel card for automatic free nights

Annual fee

$125

Rewards rate

2x-6x

Points

Intro offer

3 Free Night Awards

Points

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

Rewards have limited flexibility

Marriott Bonvoy Business® American Express® Card

Best for Hotel card for automatic free nights

5.0

Annual fee

$125

Rewards rate

2x-6x

Points

Intro offer

3 Free Night Awards

Points

Apply now

on American Express' website

Rates & Fees

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

5.0

Best for Hilton rewards

Annual fee

$195

Rewards rate

3x-12x

Points

Intro offer

Up to 175,000 Points

Points

Apply now

on American Express' website

Rates & Fees

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

The Hilton Honors American Express Business Card

Best for Hilton rewards

5.0

Annual fee

$195

Rewards rate

3x-12x

Points

Intro offer

Up to 175,000 Points

Points

Apply now

on American Express' website

Rates & Fees

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

4.5

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

Annual fee

Rewards rate

1%-2%

Intro offer

$125

Apply now

on American Express' website

Rates & Fees

Pros

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

Cons

Spending caps on bonus rewards
Prime membership required

Amazon Business Prime American Express Card

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

4.5

Annual fee

Rewards rate

1%-2%

Intro offer

$125

Apply now

on American Express' website

Rates & Fees

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

4.4

Best for Airline miles (entry-level card)

Annual fee

$0 intro for the first year, then $150

Rewards rate

1x-2x

Miles

Intro offer

60,000

Miles

Apply now

on American Express' website

Rates & Fees

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

Delta SkyMiles® Gold Business American Express Card

Best for Airline miles (entry-level card)

4.4

Annual fee

$0 intro for the first year, then $150

Rewards rate

1x-2x

Miles

Intro offer

60,000

Miles

Apply now

on American Express' website

Rates & Fees

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

Other business cards issued by American Express

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

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.

» MORE:

Business credit cards with airport lounge access

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 July 17, 2025

Frequently Asked Questions

How do I apply for an AmEx business card?

You can apply for an American Express business card online, or call 800-519-6736 to apply by phone.

You’ll need to provide your business’s contact information, federal tax ID, industry, entity type, number of employees and annual revenue in order to complete and submit your application.

How many AmEx business cards can I have?

American Express typically limits you to five credit cards at a time, including personal cards.

Does American Express report business card activity to personal credit bureaus?

American Express business cards do not appear on your personal credit report unless you miss payments, have payments returned or engage in other negative cardholder behavior.

» MORE:

Do business credit cards affect personal credit score?

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.

Meet the editorial team

Randa Kriss

Senior Writer & Content Strategist | Small business

Randa Kriss is a senior writer and NerdWallet authority on small business. She has nearly a decade of experience in digital content. Prior to joining NerdWallet in 2020, Randa worked as a writer at Fundera, covering a wide variety of small-business topics and specializing in the lending and banking spaces. Her work has been featured in The Washington Post, The Associated Press, MarketWatch and Nasdaq, among other publications. She has also hosted a webinar as part of the SBA's 2024 National Small Business Week Virtual Summit. Randa is passionate about helping small-business owners make educated financial decisions, especially when it comes to affordable funding. She is based in New York City.

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Frequently Asked Questions

Methodology