MoneyGeek's Take

Best Amex Credit Cards for Business in 2023

Most American Express business credit cards give you the ability to earn cash back or rewards, and they come with welcome offers too. Some of these cards charge no annual fees.

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This article is part of our larger series on Best Business Credit Cards

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Last Updated: 5/2/2023

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

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All the top American Express business credit cards we’ve selected come with welcome offers for new cardholders. Most of these cards offer cash back/rewards on all business-related purchases. Depending on the card you get, you might have to pay an annual fee.

If you’re looking for an Amex business credit card to use internationally, consider limiting your search to ones without foreign transaction fees. The Amex Business Gold Card and the Amex Business Platinum Card fit this bill.

Some of the best American Express credit cards for business come with no preset spending limits. Access to various expense management tools is a common feature with all the top cards from this category. The level of travel insurance coverage and other benefits you get depend on the card you select.

OUR REVIEW AT A GLANCE

Our Top 5 Picks
Summarized List of All Winners
Tips for Comparing Credit Cards

This article is part of our larger series on
Best Business Credit Cards

MoneyGeek’s Take: Top 5 American Express Credit Cards for Business

Quick Summary

The annual fee you need to pay essentially depends on the features and benefits you’re after. The top American Express business credit cards come with varied welcome offers. We have accounted for these factors as well as others such as APRs, reward/cash back rates, foreign transaction fees and added perks to select the best of the lot. Scroll down the page to look at other good Amex cards from this category.

American Express Blue Business Cash™ Card
- 1–2% Cash Back*Rewards Rate
- 18.49% – 26.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The American Express Blue Business Cash™ Card is a solid choice for small businesses. It's particularly attractive for its uncomplicated cash back structure and the absence of an annual fee. This combination allows businesses, even those with modest expenses, to realize a net gain from spending. Additionally, it offers a decent interest-free period on purchases. However, with no welcome offer and a cap on cash back earnings, the card's value may be slightly limited for businesses with higher spending or looking to boost their initial rewards balance.
Terms, rates and fees apply
The Blue Business® Plus Credit Card from American Express
- up to 2X Membership Rewards® pointsRewards Rate
- 18.49% – 26.49% VariableAPR
- $0Annual Fee
- Good–ExcellentRecommended Credit
The Blue Business® Plus Credit Card from American Express is a compelling option for small business owners in search of a simple yet rewarding credit solution. With no annual fee, the card is budget-friendly and designed to cater to the needs of businesses, particularly those with significant everyday expenses. The rewards structure is straightforward: cardholders earn a solid rate of Membership Rewards® points on their business purchases up to a generous cap each calendar year, before the rate drops to a lower tier.
Terms, rates and fees apply
The Hilton Honors American Express Business Card
- 3–12 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
The Hilton Honors American Express Business Card is a powerful tool for businesses, particularly those with frequent travel or dining needs. Its standout benefits are the generous welcome offer and robust hotel perks, which include status upgrades and free nights. Its diverse earning categories make accumulating points easy and rewarding, and no foreign transaction fees make it a great companion for international travel. While the value of Hilton Honors points might be lower than some competitors, the card's high earning rates can offset this if they align with your typical business spending. Lastly, its annual fee is modest and can easily be justified considering the rich rewards and perks, delivering both practical value and a touch of luxury for your business.
Terms, rates and fees apply
Delta SkyMiles® Gold Business American Express Card
- 1–2 Miles per $1Rewards Rate
- 20.99% – 29.99% VariableAPR
- $99Annual Fee
- Good–ExcellentRecommended Credit
The Delta SkyMiles® Gold Business American Express Card is a specialized choice for businesses frequently flying Delta or dealing with specific spending areas like dining and U.S. advertising. With targeted rewards, exclusive Delta flight perks and solid travel protections, it offers tangible benefits. The modest annual fee, $0 intro annual fee for the first year., further adds appeal. Though it may lack in broader reward value, for Delta loyalists or those in sync with its reward structure, it’s a tailored, cost-effective travel companion.
Terms, rates and fees apply
Marriott Bonvoy Business® American Express® Card
- 2–6 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $125Annual Fee
- Good–ExcellentRecommended Credit
The Marriott Bonvoy Business American Express Card is a robust and savvy choice for small business owners who frequently travel, particularly for those loyal to Marriott Bonvoy hotels. Its rewarding points system aligns seamlessly with everyday business expenditures, plus the generous welcome bonus is a major kick-start. The card's benefits, including free night awards and Gold Elite Status, offer significant value and can easily offset the annual fee while potentially transforming every business trip into a VIP experience. Furthermore, making travel purchases on this card provides a safety net of various travel insurance protections, adding peace of mind to each journey.
Terms, rates and fees apply

Summary of the Best Amex Cards for Business

The corresponding American Express business card comparison table gives you quick insight into the other good cards from this category based on aspects such as welcome offers, APRs, foreign transaction fees and annual fees.

Credit Card
Best For
Avg. Reward Rate
Annual Fee
Credit Needed
American Express Blue Business Cash™ Card
Straightforward cash back for businesses with no annual fee
1–2% Cash Back*
$0
The Blue Business® Plus Credit Card from American Express
Great no-annual-fee card for earning rewards on business spending
up to 2X Membership Rewards® points
$0
The Hilton Honors American Express Business Card
Great for earning Hilton Honors points
3–12 Points per $1*
$95
Delta SkyMiles® Gold Business American Express Card
Great rewards for Delta loyalists
1–2 Miles per $1
$99
Marriott Bonvoy Business® American Express® Card
Great for hotel rewards and perks for business spending
2–6 Points per $1*
$125
The Plum Card® from American Express
Excellient no preset spending limit card with flexible payback methods
1.5% Cash Back
$250
American Express® Business Gold Card
A dynamic rewards card for high-spending business owners
1–4 Points per $1
$295
Delta SkyMiles® Platinum Business American Express Card
A great card for frequent business travelers who want to enjoy Delta travel perks and pursue elite traveler status
1–3 Miles per $1
$250
The Business Platinum Card® from American Express
Top-tier business card with premium travel benefits
1–5 Points per $1*
$695
Delta SkyMiles® Reserve Business American Express Card
A card that offers generous rewards for business travelers who fly Delta frequently.
1–3 Miles per $1
$550

MONEYGEEK EXPERT TIP

If you don't have a favorite airline or hotel, choosing a flexible points card that earns Membership Rewards makes sense. These flexible points can be used to book travel, buy gift cards, get statement credits or transfer to 20 different airline and hotel partners. -- Lee Huffman, credit card expert at BaldThoughts.com.

How to Compare Amex Credit Cards & Intro Offers

American Express business credit cards come with varied features and benefits. Selecting a card that works well for you will require paying attention to different aspects.

Annual fee

Annual fees for American Express business credit cards can go up to $695. However, you get a few no-annual-fee options too. These include the Blue Business Cash Card and the Blue Business Plus Credit Card. On the other end of the spectrum is the Business Platinum Card with a $695 annual fee.

Welcome offer

It’s common to find welcome offers with Amex business credit cards. For example, the Plum Card lets you earn a $500 statement credit by spending $15,000 on purchases in the first three months. The Amex Business Gold Card, on the other hand, offers 70,000 membership rewards points if you spend $10,000 on purchases in the first three months.

APR

The APR that you get might vary depending on the card you select. If you get a no preset spending limit (NPSL) card — such as the Business Gold Card or the Business Platinum Card — while you’re typically required to pay off your balance in full each month, your purchases might also qualify for the APR-based Pay Over Time feature. With the NPSL Plum Card, you may carry your balance forward for up to 60 days without paying interest.

Foreign transaction fee

With American Express business credit cards that charge this fee, you need to pay 2.7% extra on each international transaction. Some of the cards from this category that come with no foreign transaction fees include the Hilton Honors Business Card and the Marriott Bonvoy Business Card.

Cash back/rewards rate

Pay attention to this aspect after accounting for your spending patterns and the annual fee you might need to pay. For example, the Business Gold Card with a $295 annual fee offers up to 4x points per dollar on category-based spending. The Business Platinum Card, on the other hand, comes with a higher annual fee and offers up to 5x points on category-based spending.

No preset spending limit

If your requirements involve getting an NPSL business card, Amex presents alternatives in the form of the Plum Card, the Business Gold Card and the Business Platinum Card.

Co-branded or not

In case you prefer using any particular airline or group of hotels for business purposes, you may benefit by looking at the co-branded cards that Amex has to offer. Some of these include the Hilton Honors Business Card, the Delta SkyMiles Gold Business Card, the Delta SkyMiles Reserve Business Card and the Marriott Bonvoy Business Card.

Employee cards

Adding credit cards for your employees is a good way to keep track of their spending and earn additional rewards with individual spending limits. Many American Express business cards, like the Blue Business Plus Credit Card, allow you to add employee cards for no additional charge. However, the Business Platinum Card charges $300 for every employee added.

Added perks

While a few American Express business credit cards come with steep annual fees, they offer a variety of features and benefits. You may expect some of these with cards that charge low or no annual fees as well. Various card-specific perks on offer include statement credits, loyalty program status upgrades, airport lounge access, priority boarding, travel insurance coverage, companion certificates, free nights and access to expense management tools.