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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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.74% - 20.74% (V)
Rewards Details
- 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 and balance transfers for 12 months, then a variable rate, 14.74%, 17.74%, or 20.74%, 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
→
0% for 12 months
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
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14.74% - 20.74% (V)
Rewards Details
- Get rewarded for business as usual. 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 and balance transfers for 12 months from date of account opening, then a variable rate, 14.74%-20.74%, 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
Purchase Intro APR
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N/A
Transfer Intro APR
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N/A
Regular APR
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17.24% - 26.24% (V)
Rewards Details
- Limited Time Offer: Earn up to 100,000 bonus miles and 20,000 Medallion® Qualification Miles (MQMs). Earn 80,000 bonus miles and 20,000 MQMs after you spend $5,000 in purchases on your new Card in your first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership.
- 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.
- 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
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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17.24% - 26.24% (V)
Rewards Details
- Earn 75,000 bonus Marriott Bonvoy points after you use your new Card to make $3,000 in purchases within the first 3 months.
- 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.
- Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.
- Terms apply.
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% - 23.74% (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**
- **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 to help manage cash flow on purchases of $100 or more.*
- Access to the Working Capital Terms program: get additional funding beyond what you can spend on Business Gold with this flexible funding solution designed to pay U.S. based vendor invoices directly when cards are not accepted.*
- See More Details & Reviews About TheAmerican Express® Business Gold 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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17.24% - 26.24% (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 up to 70,000 bonus miles. Earn 60,000 bonus miles after you spend $2,000 in purchases on your new Card in the first 3 months. Plus, earn an additional 10,000 bonus miles after your first anniversary of Card Membership.
- 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
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
17.24% - 26.24% (V)
Rewards Details
- Limited Time Offer*: Earn up to 100,000 bonus miles. Earn 80,000 bonus miles after you spend $3,000 on purchases on your new Card in the first 3 months. Plus, earn an additional 20,000 bonus miles after your first anniversary of Card Membership. *Offer expires 4/1/20
- Earn 3 Miles on every dollar spend 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 for Charge Cards
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% 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.
- Terms & Restrictions Apply.
Additional Info
- 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
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
$0 1st yr, $95 after
Rewards Rate
1 point / $1
Minimum Credit
Good Credit
Terms Apply
Apply Now
Rewards Details
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
- 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
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
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 made on your Business Platinum Card® within your first 3 months of Card Membership.â€
- 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.
- 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 flight is booked on amextravel.com.
- 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.
- Terms Apply
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.Â
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. Â
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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