American Express Business Credit Cards
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American Express (a WalletHub advertising partner) is both the largest issuer of credit cards in the United States and the third largest card network. The company’s business credit card program, American Express OPEN, allows cardholders to… show more… show more
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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N/A
Regular APR
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13.24% - 19.24% (V)
Rewards Details
- Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
- From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
- Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.
- No Annual Fee
- See More Details & Reviews About TheAmerican Express Blue Business Cash™ Card
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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N/A
Regular APR
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13.24% - 19.24% (V)
Rewards Details
- Earn up to $300 back to boost your business. You can earn up to $100 in the form of statement credits at each of the following merchants: Dell Technologies, DocuSign or FedEx after you make an eligible purchase on your new Card within the first 3 months of Card Membership.
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- More buying power for your business means more opportunities to earn points. That’s everyday business with the Blue Business Plus Card.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- Terms Apply
Additional Info
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.
- No Annual Fee
- See More Details & Reviews About The Blue Business® Plus Credit Card from American Express
Rates & Fees | Terms Apply
Charge Card
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Balance must be paid in full each month
Regular Rate
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Not Applicable
Rewards Details
- Earn 75,000 Membership Rewards® points after you spend $15,000 on qualifying purchases within your first 3 months of Card Membership.
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
- Get 50% more Membership Rewards® points. That's an extra half point per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
- 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
- Terms Apply
Additional Info
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About The Business Platinum Card® from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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N/A
Transfer Intro APR
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N/A
Regular APR
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15.74% - 24.74% (V)
Annual Fee
$0 1st yr, $99 after
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good Credit
Terms Apply
Apply Now
Rewards Details
- Limited Time Offer: Earn 60,000 bonus miles after you spend $3,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
- Additionally, take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.
- Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta, on every dollar spent on eligible U.S. purchases for advertising in select media, on every dollar spent on eligible U.S. shipping purchases, on every eligible dollar spent on dining at restaurants. Earn 1 Mile on every eligible dollar spent on purchases.
- Check or stow your bag with ease: First Checked Bag Free + Main Cabin 1 Priority Boarding.
- Terms and limitations apply
Additional Info
- Pay no foreign transaction fees when you travel overseas.
- $0 introductory annual fee for the first year, then $99.
- See More Details & Reviews About TheDelta SkyMiles® Gold Business American Express Card
Rates & Fees | Terms Apply
Purchase Intro APR
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N/A
Transfer Intro APR
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N/A
Regular APR
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15.74% - 24.74% (V)
Rewards Details
- Limited Time Offer: Earn 70,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months. Offer ends 10/28/20.
- Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
- Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding
- Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year. 1 Mile on every eligible dollar spent on other purchases.
- Get closer to status with Status Boost™. Spend $25,000 in purchases on the Card in a calendar year and earn 10,000 Medallion® Qualification Miles (MQMs); spend a total of $50,000 in eligible purchases on the Card in a calendar year and earn an additional 10,000 MQMs. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
- Terms and limitations apply.
Rates & Fees | Terms Apply
Charge Card
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Balance must be paid in full each month
Regular Rate
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Not Applicable
Annual Fee
$0 1st yr, $250 after
Rewards Rate
1.5% Cash Back
Minimum Credit
Good Credit
Terms Apply
Apply Now
Rewards Details
- Paying early pays off: get a 1.5% Early Pay Discount, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, when you pay your minimum due by the Payment Due Date.
- Use the power of the Plum Card to buy big for your business.
- Terms & Restrictions Apply.
Additional Info
- No Foreign Transaction Fees.
- Introductory annual fee of $0 for the first year, then $250
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About The Plum Card® from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
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N/A
Transfer Intro APR
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N/A
Regular APR
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15.74% - 24.74% (V)
Rewards Details
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X on all other eligible purchases. Terms & Limitations Apply.
- Enjoy complimentary Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
- Terms apply.
Rates & Fees | Terms Apply
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
15.74% - 24.74% (V)
Rewards Details
- Limited Time Offer: Earn 100,000 Marriott Bonvoy points after you use your new Card to make $5,000 in purchases within your first 3 months of Card Membership. Earn up to $150 in statement credits within your first 6 months of Card Membership for all eligible purchases on your Card on U.S. Advertising in select Media. Plus receive complimentary Marriott Bonvoy Platinum Elite status for one year (February 1, 2021-January 31, 2022). Offer ends 1/13/21.
- 6x points at participating Marriott Bonvoy hotels.
- 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card account anniversary. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
- Terms apply.
Rates & Fees | Terms Apply
Charge Card
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Balance must be paid in full each month
Regular Rate
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14.24% - 22.24% (V)
Rewards Details
- Earn 35,000 Membership Rewards® points after you spend $5,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
- MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- AIRLINE BONUS: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
- *Terms Apply
Additional Info
- PAY OVER TIME OPTION: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.*
- This American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us.
- See More Details & Reviews About TheAmerican Express® Business Gold Card
Rates & Fees | Terms Apply
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
15.74% - 24.74% (V)
Rewards Details
- Welcome Offer: Earn 45,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in the first 3 months.
- With Status Boost™, earn 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your new Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn toward flights.
- Complimentary Delta Sky Club® Access and complimentary access to The Centurion Lounge when flying on a same-day Delta-marketed or Delta-operated flight. The eligible flight must be booked on a U.S. issued American Express Credit Card.
- After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year. Eligible purchases after spending $150,000 do not include Delta purchases. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
- Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
- Terms and limitations apply.
Additional Info
- Pay no foreign transaction fees when you spend overseas.
- See More Details & Reviews About TheDelta SkyMiles® Reserve Business American Express Card
NO FOREIGN FEE
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Questions & Answers
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Amex Business Gold vs. Platinum: what is the biggest difference? Reply
Jane Parker
@parker16
When it comes to Amex Business Gold vs. Platinum, the biggest difference is between their annual fees: Amex Business Platinum costs $450 a year, and Amex Business Gold has a $175 fee that’s waived the first year. That’s a $450 advantage for Amex Business Gold the first year and $275 every year after. However, the Platinum Card offers some extra perks, including a $200 annual airline fee credit and 3x points on flights and hotels at the Amex travel site. Plus, you get 35% of your points back when you redeem them for Amex travel.
Here’s what to consider with Amex Business Platinum vs. Gold:
- Annual fee: $450 for Amex Business Platinum, $175 for Amex Business Gold.
- Initial bonus: Platinum offers 50,000 points for spending $10,000 in your first three months, and an extra 25,000 points for spending another $10,000 within the same timeframe. With Gold, you get 50,000 points for spending $5,000 in the first three months.
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Bonus category rewards earning: Platinum gives you 5 points per $1 spent on flights and prepaid hotels booked on the Amex travel site. With Gold, you get 2-3 points per $1 spent in 5 bonus categories. Specifically, you’ll earn 3 points per $1 in a category of your choosing, up to $100,000 spent each year. And you’ll get 2 points per $1 on your first $100,000 spent in each of the other 4 categories.
Gold’s 5 bonus categories are: flights booked directly with the airline; advertising; gas station spending; shipping; and computer hardware, software, and cloud computing. - Big purchase bonus: Platinum offers 1.5 points per $1 spent on eligible purchases of $5,000 or more, up to 1 million points per year. Gold does not offer extra points for large purchases.
- Everyday rewards earning: Both cards offer 1 point per $1 spent on all purchases outside the bonus categories.
- Redemption bonus: Platinum refunds 35% of your points when you redeem them for flights on the Amex Travel site. You only get this benefit with one airline, and you can only pick your airline once a year, in January. Gold does not offer this perk.
- $200 airline fee credit: Platinum offers up to $200 in statement credits for incidental airline fees, like baggage charges. You can only get credits with one airline, and you can only change that airline every January. By the way, you have to pick the same airline for this and the 35% redemption bonus. Gold does not offer this type of credit.
- Global Entry or TSA Pre-Check credit: If you apply for one of the two airport security pre-screening programs, Amex Business Platinum will reimburse the application fee every four years. You’ll get an $85 statement credit for TSA Pre-Check or a $100 credit for Global Entry (you can’t get both). Gold doesn’t have this perk.
- Airport lounge access: Platinum gives you access to over 1,000 lounges in 120 countries through membership in the Amex Global Lounge Collection. Gold does not.
In Amex Business Platinum vs. Gold, the $275 per year difference between their fees makes for a compelling argument in favor of the Gold Card. But if you’re a frequent traveler who will take full advantage of the Platinum card’s airline statement credit and lounge access, it might be the card for you.
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