American Express Business Credit Cards
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 save automatically via rewards and discounts from Amex’s partners. The wide range of Amex Open business credit cards and business charge cards provides significant variety across rewards, fees, interest rates, and affinity partners – which include Delta Airlines, Starwood Hotels, Costco, and Lowe’s. An American Express business credit card, like most major business credit cards, also allows you to easily track business spending as well as give employees their own cards with custom limits and earn rewards on their spending.
However, such cards are only good for everyday spending that can be paid off in full by the end of the month, since Amex business cards have not adopted the CARD Act rule prohibiting interest rate increases on existing debt unless you’re at least 60 days delinquent. In other words, your business card debt could skyrocket anytime and you should therefore use a general-consumer credit card for company financing.
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Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months 3% (min $5) Transfer Fee
Regular APR
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12.24% - 20.24% (V)
Rewards Details
- Get rewarded for business as usual. Earn 2X 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*.
- More buying power for your business* means more opportunities to earn points. That’s everyday business with the new 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 and balance transfers for 15 months, then a variable rate, currently 12.24%, 16.24% or 20.24%, based on your creditworthiness and other factors as determined at the time of 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 for Charge Cards
Annual Fee
None 1st yr, $175 after
Rewards Rate
1 - 3 points / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
- Get 3x points - Choose 1 out of 5 categories
- Plus, 2X points on the 4 remaining categories and 1X points on other purchases
- 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
- Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
- Terms and limitations apply
Additional Info
- No foreign transaction fees
- $0 introductory annual fee for the first year, then $175
- See More Details & Reviews About The Business Gold Rewards Card from American Express OPEN
Rates & Fees | Terms Apply
Purchase Intro APR
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0% for 9 months
Transfer Intro APR
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Not Offered
Regular APR
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13.24% - 20.24% (V)
Rewards Details
- Special Offer: Earn up to $400 cash back
- Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
- Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
- No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
- 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
- 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
- 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
- Terms and limitations apply
Rates & Fees | Terms Apply
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
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16.24% - 20.24% (V)
Annual Fee
None 1st yr, $95 after
Rewards Rate
1 - 2 miles / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Limited Time Offer: Earn 50,000 bonus miles after you spend $2,000 in purchases with your new Card in the 1st 3 months and a $50 statement credit after you make a Delta purchase with your new Card in your 1st 3 months.
- Plus, earn an additional 10,000 bonus miles after you make an additional $1,000 in purchases within your first 6 months. Offer expires on 11/8/2017.
- Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
- Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
- Terms and limitations apply
Additional Info
- Pay no foreign transaction fees when you spend overseas.
- $0 introductory annual fee for the first year, then $95.
- See More Details & Reviews About TheGold Delta SkyMiles® Business Credit Card from American Express
Rates & Fees | Terms Apply
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
Not Applicable for Charge Cards
Annual Fee
None 1st yr, $95 after
Rewards Rate
1 - 2 points / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Earn 5,000 Membership Rewards® points after your first purchase on the Card
- Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
- Earn one Membership Rewards® point for each dollar you spend on eligible purchases
- Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
- Terms & Limitations Apply
Additional Info
- $0 introductory annual fee for the first year, then $95
- See More Details & Reviews About TheBusiness Green Rewards Card from American Express OPEN
Rates & Fees | Terms Apply
Charge Card
→
Balance must be paid in full each month
Regular Rate
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Not Applicable for Charge Cards
Annual Fee
None 1st yr, $250 after
Rewards Rate
1.5% Cash Back
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
- Take up to 60 days to pay with no interest, if you pay your minimum due.
- Use the power of the Plum Card to buy big for your business.
- Unlock new opportunities with a spending limit that can grow with your business.
- Terms & Restrictions Apply.
Additional Info
- Additional Employee Cards at no annual fee – and an early pay discount on employee spending.
- No Foreign Transaction Fees.
- Introductory annual fee of $0 for the first year, then $250
- See More Details & Reviews About The Plum Card® from American Express OPEN
Rates & Fees | Terms Apply
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
16.24% - 20.24% (V)
Annual Fee
None 1st yr, $95 after
Rewards Rate
1 - 2 points / $1
Minimum Credit
Good
Terms Apply
Apply Now
Rewards Details
- Limited Time Offer: Earn 25,000 bonus Starpoints® after you use your new Card to make $6,000 in purchases within the first 3 months.
- Earn an extra 10,000 bonus Starpoints® after you make an additional $4,000 in purchases on the Card within the first 6 months. Offer ends 11/1/2017.
- Earn 2 Starpoints® for each dollar of eligible purchases at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint® for all other purchases.
- Redeem Starpoints® for free nights at over 1,300 hotels & resorts in over 100 countries and for free flights on over 150 airlines with SPG Flights. Some hotels and resorts have mandatory service charges.
- Free, unlimited Boingo Wi-Fi at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
- Terms Apply
Additional Info
- No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
- See More Details & Reviews About TheStarwood Preferred Guest® Business Credit Card from American Express
Rates & Fees | Terms Apply
Charge Card
→
Balance must be paid in full each month
Regular Rate
→
Not Applicable for Charge Cards
Rewards Details
- Welcome Offer: Earn up to 75,000 Membership Rewards® points.
- Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all 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 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.
- 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.
- You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
- You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 6/2017
- Terms Apply
Rates & Fees | Terms Apply
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
16.24% - 20.24% (V)
Rewards Details
- Limited Time Offer: Earn 10,000 Medallion® Qualification Miles (MQMs) and 70,000 bonus miles after you spend $4,000 in purchases on your new Card in your first 3 months.
- Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months. Offer ends 11/8/2017
- Check your first bag for free and save up to $50 on a round trip Delta flight.
- Settle into your seat sooner with Priority Boarding.
- Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
- Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don’t expire.
- Terms and limitations apply
Additional Info
- No Foreign Transaction Fees.
- See More Details & Reviews About ThePlatinum Delta SkyMiles® Business Credit Card from American Express
Community Discussion
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