Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
    |    Accessibility Options

Best American Express Business Credit Cards

Published Nov. 27, 2024
Robin Hartill, CFP
Author: Robin Hartill, CFP
Robin Hartill, CFP
Robin Hartill, CFP
Writer

Robin Hartill, CFP®, is Motley Fool Money’s Head of Product Ratings and has worked for The Motley Fool since 2020. Her work has appeared in various national publications, including NerdWallet and CNET Money. She previously wrote The Penny Hoarder’s syndicated “Dear Penny” personal finance advice column. She is based in St. Petersburg, Florida.

See Full Bio

| 1 other [ + ]
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

American Express business cards often carry generous rewards. Though cards with premium perks usually come with an annual fee, there are also several no-fee cards for businesses available.

American Express offers 13 business cards, but not all of them will be the right fit for your business. Find out why we think these five cards are the best American Express business cards.

Best Amex business cards

Best for bonus category rewards: American Express Business Gold Card

Ratings Methodology

American Express Business Gold Card

Great for: Bonus category rewards

Read Review
American Express Business Gold Card
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 6 months from the date of account opening

Balance Transfers: N/A

APR

18.74% - 27.74%, variable

Rewards Circle with letter I in it. 4 points per $1 in two of the following categories where you spend most: gas, dining, advertising, transit, electronics & wireless ($150,000 annual spending cap). 3 points per $1 on flights and prepaid hotels booked on AmexTravel.com. 1 point per $1 on other purchases

1x - 4x points

Annual Fee

$375

Welcome Offer Circle with letter I in it. 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership

150,000 Membership Rewards® points

  • Businesses looking for flexibility in earning rewards should consider this card. With the ability to choose two spending categories where you earn 4X Membership Rewards® points (up to $150,000 per year), this card allows you to tailor rewards to match your business’s priorities. We also like that there’s no preset spending limit, offering added flexibility in your purchases. With flexible redemption options, premium business tools, and a generous welcome offer of 70,000 Membership Rewards® points, this card is designed to help businesses maximize their rewards and get the most value from their spending.

    • High-value welcome offer
    • Bonus rewards on your biggest expenses
    • Versatile rewards points
    • Consumer and travel protections
    • No preset spending limit
    • Annual fee
    • Spending cap on bonus rewards
    • Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
    • 0% Intro APR for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.74% - 27.74% variable APR.
    • MORE REWARDS: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. Earn 3X points on flights & pre-paid hotels booked on AmexTravel.com. 1X is earned for other purchases.
    • 4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.
    • Terms Apply
The information for the American Express Business Gold Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Why we picked it: The American Express Business Gold Card offers 4X points on your top two of six spending categories each business cycle, up to a combined $150,000 in purchases each year. Categories include advertising, electronic goods retailers, gas stations, dining (including takeout), transit, and wireless phone charges. You'll also earn 3X points on flights and pre-paid hotel purchases booked on AmexTravel.com. Terms apply.

What to watch for: The card charges a $375 annual fee (see rates and fees) and doesn't offer many travel perks. Also, while you can earn 4X points on your top two spending categories and 3X points on airline and prepaid hotel purchases booked through Amex's travel portal, other purchases earn a lackluster 1X points. Terms apply.

Best for luxury travel perks: The Business Platinum Card® from American Express

Ratings Methodology

The Business Platinum Card® from American Express

Great for: Luxury travel perks

Read Review
The Business Platinum Card® from American Express
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

APR

18.74% - 27.74%, variable

Rewards Circle with letter I in it. Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases. Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

1X - 5X points

Annual Fee

$695

Welcome Offer Circle with letter I in it. Earn 200,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your Card within the first 3 months of Card Membership.

200,000 Membership Rewards® points

  • This card is a great choice for business owners on the go who value a wide range of premium perks. We like that it offers 5X Membership Rewards® points on flights and prepaid hotels through Amex Travel, access to over 1,400 airport lounges worldwide, and up to $1,000 in annual statement credits. However, the high annual fee may not be worth it for businesses that don’t travel often.

    • Versatile rewards points
    • Huge welcome offer
    • Airport lounge access
    • Complimentary elite statuses
    • Tons of statement credits
    • High annual fee
    • No free employee cards
    • Welcome Offer: Earn 200,000 Membership Rewards® points after you spend $20,000 on eligible purchases with your Card within the first 3 months of Card Membership.
    • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases.
    • Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
    • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
    • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
    • $189 CLEAR® Credit: Use your Card and get up to $189 back per year on your CLEAR® membership.
    • The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021.
    • $695 Annual Fee.
    • Terms Apply.
The information for The Business Platinum Card® from American Express has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Why we picked it: In addition to earning 5X points on flights and prepaid hotels booked through AmexTravel.com, the The Business Platinum Card® from American Express offers a host of perks that will appeal to frequent travelers. You get access to 1,400 airport lounges across the globe, automatic Marriott Bonvoy® Gold Elite Status and Hilton Honors® Gold Status, and premium car rental privileges. You'll also get access to the Fine Hotels + Resorts® Program, which provides benefits like daily breakfast for two and complimentary room upgrades when available. Terms apply.

What to watch for: The card's annual fee is a hefty $695 (see rates and fees), which may not be worth it for small business owners who don't travel often or who aren't big spenders.

Best for earning cash back: Blue Business Cash™ Card from American Express

Ratings Methodology

Blue Business Cash™ Card from American Express

Great for: Earning cash back

Read Review
Blue Business Cash™ Card from American Express
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

APR

17.74% to 25.74%, variable

Rewards Circle with letter I in it. 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.

1% - 2% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.

$250 statement credit

  • We think this card is well-suited for businesses with moderate spending that want to maximize rewards while saving on interest. It offers 2% cash back on all eligible purchases (up to $50,000 per year, then 1%), making it a strong choice for businesses looking for a high, flat-rate cash back program. With no annual fee, 0% intro APR for the first year, and helpful expense management tools, it’s a great fit for small business owners who prefer simple rewards and easy bookkeeping.

    • High cash back rate
    • No annual fee
    • Employee cards with spending limits
    • 0% APR intro offer
    • Foreign transaction fee
    • Cash back spending cap
    • Earn a $250 statement credit after you spend $3,000 in purchases on your Card in your first 3 months.
    • 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.
    • 0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.74% to 25.74%, based on your creditworthiness and other factors as determined at the time of account opening.
    • No Annual Fee
    • Terms Apply
The information for the Blue Business Cash™ Card from American Express has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.

Why we picked it: The Blue Business Cash™ Card from American Express lets you earn 2% cash back on your first $50,000 purchases each year, plus 1% cash back on additional purchases. You can also add free employee cards, which could help you earn even more cash back. Terms apply, see rates and fees.

What to watch for: You'll only earn maximum cash back on $50,000 worth of purchases each year. If you plan to spend a lot on your small business credit card, consider finding a card that doesn't have a spending cap.

Best for rewards with no annual fee: Blue Business® Plus Credit Card from American Express

Ratings Methodology

Blue Business® Plus Credit Card from American Express

Great for: Rewards with no annual fee

Read Review
Blue Business® Plus Credit Card from American Express
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: N/A

APR

18.24% – 26.24%, Variable

Rewards Circle with letter I in it. 2X points on the first $50,000 spent in purchases each year, 1X points on purchases thereafter

1x - 2x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn 15,000 Membership Reward points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.

15,000 points

  • While its welcome bonus and rewards program may not be the most generous, this card is a straightforward option with some added benefits. It allows businesses to earn 2X Membership Rewards® points on the first $50,000 in purchases annually (then 1X). We think it's a great choice for businesses that prioritize low-interest financing and want versatile rewards without the added cost of an annual fee. Read Full Review

    • Purchase rewards
    • Welcome bonus
    • Intro 0% APR offer
    • No annual fee
    • Foreign transaction fee
    • Personal guarantee
    • Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your 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.
    • You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
    • *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 American Express, and other factors.
    • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.24% – 26.24%, based on your creditworthiness and other factors at account opening.
    • No Annual Fee
    • Terms Apply
The information for the Blue Business® Plus Credit Card from American Express has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Why we picked it: The Blue Business® Plus Credit Card from American Express lets you earn 2X Amex Membership Rewards points on the first $50,000 worth of qualifying purchases each year, plus 1X points on subsequent purchases. There's no annual fee, plus you can earn 15,000 additional Membership Rewards points if you spend $3,000 in the first three months -- which should be relatively easy to hit. Terms apply, see rates and fees.

What to watch for: Though the card lets you earn Membership Rewards points, it doesn't come with many of the perks that premium American Express business cards offer, like airport lounge access or elite status at hotels. If you plan to use the card for frequent travel, consider an alternative like the Amex Business Gold Card or Amex Business Platinum Card -- even though you'll pay an annual fee.

Best for frequent Amazon shoppers: Amazon Business Prime American Express Card

Ratings Methodology

Amazon Business Prime American Express Card

Great for: Frequent Amazon shoppers

Read Review
Amazon Business Prime American Express Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

APR

18.99%-26.99%, variable

Rewards Circle with letter I in it. Choose 5% back (applies to the first $120,000 in purchases each calendar year,) or 90 day terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership. Otherwise, earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers. Earn 1% Back on other purchases

1%-5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Get a $100 Amazon gift card upon approval. Eligible Prime members get a $125 Amazon gift card upon approval

$100-$125 Amazon gift card

  • A solid business card for Amazon Prime members who want to earn rewards on Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases -- or take advantage of favorable financing terms.

    • No annual fee
    • Earn rewards
    • Optional 0% interest payment terms
    • Welcome offer
    • No foreign transaction fees
    • Non-Prime members earn less rewards
    • No rewards earned on 0% interest purchases
    • Limited redemption options
    • Get an Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card
    • No annual fee
    • Choose 5% Back or 90 Days Terms on eligible U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
    • Earn 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
    • Earn 1% Back on other purchases
    • 5% back applies to the first $120,000 in purchases each calendar year, 1% thereafter
    • Expense management tools, including Account Manager, Employee Cards, Account Alerts, AMEX Business App, Vendor Pay, and Year-End Summary
    • Amex ranked #2 in the 2018 J.D. Power U.S. Credit Card Satisfaction Study℠
The information for the Amazon Business Prime American Express Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Why we picked it: Prime members can earn 5% back on up to $120,000 worth of Amazon Business, AWS, Amazon.com, and Whole Foods Market purchases during the year. You can shop on Amazon.com or Amazon Business with your points, or you can redeem them for a purchase on your statement. Terms apply, see rates and fees.

What to watch for: Though you can earn 2% back on a few other categories, like restaurants, gas stations, and wireless charges, most other non-Amazon purchases will earn a measly 1% back. Also, the card has very few additional perks.

How to choose the right American Express business card for your business

No card is a perfect fit for all small businesses. Be sure to weigh these factors to choose the best American Express business card for you.

How you spend money

You want a card that offers generous rewards for your biggest spending areas. If you frequently travel for business, choosing a card like the Amex Business Platinum Card that lets you earn 5X points on airline purchases and prepaid hotel stays books through American Express is a savvy move.

But if your business spends huge amounts on Amazon purchases, the Amazon Business Prime American Express Card could be the better choice, since you can earn up to 5% back on Amazon purchases.

Welcome offer

A lavish welcome bonus can sweeten the deal when you sign up for a business card, but the biggest offer isn't necessarily the best one. Make sure you can hit the offer's spending requirement if a welcome bonus is an important consideration.

Annual fee vs. perks

Cards with generous perks often come with an annual fee, so be sure to consider the value of any perks you'll get that will offset that cost. Paying the $695 annual fee for the Amex Business Platinum Card (see rates and fees) may be well worth it for the airport lounge access, elite status at hotels, and upgrades that the card affords you if you're constantly on the go.

But if you're only traveling for business once or twice a year, a simple cash back card like the Amex Blue Business Cash card may be best for your small business. It's lighter on perks, but there's no annual fee.

0% Intro APR on purchases

Some American Express business cards offer an intro 0% APR. If your small business is planning a major purchase, you may want to prioritize a zero-interest intro APR over other perks.

Free employee cards

If your staff frequently makes business purchases, choosing an Amex business card that offers free employee cards could simplify your operations. You can earn rewards or cash back on their purchases, as well.

How to apply and sign up

The process of applying for an American Express business card isn't much different than applying for a personal card. You'll need to provide the standard information, like your name, address, Social Security number, and income. But you'll also need to provide some business information, such as:

  • Legal business name
  • Company DBA name
  • Business address and phone number
  • Industry
  • Business structure, i.e., corporation, partnership, or sole proprietorship
  • Years in business
  • Number of employees
  • Gross annual revenue
  • Your role with the company

American Express says you can be approved for a business card in as little as 30 seconds. If your application is denied, you'll want to look at your business and personal credit reports to get to the root of the issue. You may want to work on building business credit in other ways, like by opening trade lines that report to the credit bureaus, before you apply for another card.

Benefits of getting an Amex business card

Getting an Amex business card can have a number of benefits, though specific benefits will vary by card. Some common advantages include:

  • Membership points or cash back on spending
  • Welcome bonuses
  • 0% temporary APR on new purchases
  • Statement credits for purchases
  • Expense-tracking tools
  • Free employee cards

Amex business cards comparison

The Picks
Card Our Rating Intro APR APR Learn More
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Bonus category rewards

 Purchases: 0%, 6 months from the date of account opening
 
Balance Transfers: N/A 		18.74% - 27.74%, variable
Read Review
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Luxury travel perks

 Purchases: N/A
 
Balance Transfers: N/A 		18.74% - 27.74%, variable
Read Review
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Earning cash back

 Purchases: 0%, 12 months
 
Balance Transfers: N/A 		17.74% to 25.74%, variable
Read Review
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Rewards with no annual fee

 Purchases: 0%, 12 months
 
Balance Transfers: N/A 		18.24% – 26.24%, Variable
Read Review
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Frequent Amazon shoppers

 Purchases: N/A
 
Balance Transfers: N/A 		18.99%-26.99%, variable
Read Review
The information for the American Express Business Gold Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.
The information for The Business Platinum Card® from American Express has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.
The information for the Blue Business Cash™ Card from American Express has been collected independently by The Ascent. The card details on this page have not been reviewed or provided by the card issuer.
The information for the Blue Business® Plus Credit Card from American Express has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.
The information for the Amazon Business Prime American Express Card has been collected independently by Motley Fool Money. The card details on this page have not been reviewed or provided by the card issuer.

Credit card methodology

At Motley Fool Money we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

Our highest-rated credit cards have:

  • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.