Best Amex Credit Cards for Business in 2023

We like the no-annual-fee American Express Blue Business Cash Card because it lets you earn 2% cash back on all eligible purchases up to $50,000 per year and 1% cash back thereafter. Its 0% introductory APR offer on purchases stays in place for the first 12 months, then a variable APR of 17.74% – 25.74% after.

As part of this card’s welcome offer, you get to earn a $250 statement credit if you spend $3,000 on eligible purchases in the first three months. You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.

Pros

• No annual fee
• Cash back rate of 2% for eligible purchases up to $50,000, then 1%
• Intro 0% APR offer, then a variable APR of 17.74% – 25.74% after.
• Welcome offer of a $250 statement credit after you spend $3,000 on purchases in the first three months.
• Flexible credit limit
• Authorized users can be added for no additional fee
• Points are redeemed automatically

• Pay no interest for the first 12 months after acquiring the card, then a variable APR of 17.74% – 25.74% after.
• Earn 2% cash back for eligible purchases with a cap of $50,000, then 1% after
• Enjoy no annual fees for the life of the card
• Earn a $250 statement credit for spending $3,000 in the first three months
• Benefit from the Expanded Buying Power feature, which lets you go over the credit limit if you qualify with no penalties or fees
• Add up to 99 authorized users, free of charge

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We like the no-annual-fee American Express Blue Business Cash Card because it lets you earn 2X points per dollar on all eligible business purchases up to $50,000 per year. You get 1X point per dollar thereafter. Its 0% APR offer on purchases stays in place for the first 12 months, then a variable rate of 17.74% – 25.74%.

As part of this card’s welcome offer, you get to earn 15,000 Membership Rewards points if you spend $3,000 on eligible purchases in the first three months. You also get access to multiple expense management tools, free employee cards and complimentary car rental loss and damage insurance.

Pros

• No annual fees
• 0% intro APR on purchases, then a variable rate of 17.74% – 25.74%
• Earn 2X reward points on spending of up to $50,000 per year, followed by 1X
• Free employee cards
• Can assign an account manager
• Download interactive year-end summaries
• Use Vendor Pay to improve business cash flow
• Purchase protection

• Pay no annual fees for the life of the card.
• Earn 2X reward points per dollar for the first $50,000 you spend on purchases each year.
• Earn 1X point per dollar after your spending exceeds this limit.
• Redeem points for travel booked through American Express Travel, purchases via select online merchants or gift cards.
• You may also transfer your reward points to different frequent flyer programs.
• Save money on interest by using the 0% intro APR offer on purchases for 12 months, then a variable rate of 17.74% – 25.74%
• Get free employee cards and set individual spending limits.
• Improve cash flow by using your card to pay bills via Vendor Pay.
• Safeguard purchases made using the card through extended warranty and purchase protection.
• Get protection when you or your employees rent cars through car rental loss and damage insurance.
• Get access to American Express Experiences and purchase pre-sale tickets for various events.
• Use the American Express Business App and Connect to QuickBooks tools to simplify transferring spending-related data to your existing accounting system.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love The Hilton Honors American Express Business Card not only because it offers a high reward rate for spending at Hilton properties but for its reward rate that applies to other business-specific spending.

You get to earn 165,000 bonus points if you spend $5,000 on purchases in the first three months. The offer ends on 4/5/23.

Using this card at Hilton properties comes with 12X points. It offers 6X points for spending on wireless telephone services purchased directly from U.S. service providers, on flights booked with Amex Travel or directly with airlines, on car rentals booked directly through select companies, on U.S. purchases for shipping, at U.S. gas stations and at U.S. restaurants.

You qualify for a free weekend night reward if you spend $15,000 on eligible purchases in a calendar year. If you spend $60,000 on eligible purchases in a calendar year, you earn a second free weekend night reward.

All cardholders get complimentary Hilton Honors Gold status, which comes with added perks such as daily food & beverage credit (at U.S. hotels) or continental breakfast (at non-U.S. hotels) and availability-based room upgrades.

Your linked Priority Pass Select membership brings with it 10 complimentary airport lounge visits each year. Not having to pay foreign transaction fees may lead to savings when you travel overseas. Other travel benefits include complimentary baggage insurance plan and car rental loss and damage insurance.

Extended warranty and purchase protection are in place to safeguard your business purchases. You may choose to get additional employee cards, and you also get access to different expense management tools.

Pros

• Ability to earn considerable bonus points
• High reward rates across multiple categories
• Complimentary Hilton Honors Gold status
• Spend-based free night rewards
• No foreign transaction fees
• Additional employee cards
• Dedicated account manager
• Integration with QuickBooks and year-end expense summaries

• Earn 165,000 bonus points if you spend $5,000 on purchases in the first three months. The offer ends on 4/5/23.
• Spending at properties within the Hilton portfolio comes with 12X points.
• You earn 6X points at U.S. restaurants, at U.S. gas stations, on wireless telephone service purchased directly from U.S. service providers, on U.S. purchases for shipping, on car rentals booked directly through select companies and on flights that you book through Amex Travel or directly with airlines.
• You earn 3X points on all other purchases.
• Any additional employee cards you get earn reward points as well.
• If you spend $15,000 on purchases in a calendar year, you earn a free night reward.
• If you spend a total of $60,000 on purchases in a calendar year, you earn an additional free night reward.
• By enrolling in the Priority Pass Select program, you get 10 complimentary airport lounge visits each year.
• Safeguard your travels and purchases through car rental loss and damage insurance, baggage insurance plan, purchase protection and extended warranty.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

You may benefit by getting the Delta SkyMiles Gold Business American Express Card if you’re a frequent Delta flyer. You get to earn 2 miles per $1 on purchases made directly with Delta, on U.S. advertising purchases for select media, on U.S. shipping purchases and on dining at restaurants. All other purchases earn 1 mile per $1.

The card’s welcome offers to give you the ability to earn 75,000 bonus miles by spending $3,000 on purchases in the first three months. The offer expires on 3/29/23.

$0 intro annual fee in the first year, then $99 after that. If you spend $10,000 on purchases in a year, you get a $100 credit that you may use with your next Delta flight. Using the card outside of the U.S. is perfect because it charges no foreign transaction fees. Some of the other benefits include priority boarding, first bag checked for free, in-flight savings and baggage insurance coverage.

Pros

• No foreign transaction fee
• Delta flight credit of $100 for $10,000 spending on purchases in a year
• First checked bag free
• Priority boarding
• Up to 20% savings through statement credit on in-flight purchases

• 75,000 bonus miles after spending $3,000 in purchases in the first three months. The offer expires on 3/29/23.
• Earn 2X miles on purchases from Delta, at restaurants, on advertising in select media and shipping costs in the U.S.
• Earn 1X on all other eligible purchases
• Baggage insurance plan
• Car rental loss and damage insurance
• Global Assist Hotline
• Extended one-year warranty on eligible purchases
• Purchase protection
• Dispute resolution

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.

We love the Marriott Bonvoy Business® American Express® Card because of its generous reward points system. For instance, when you spend money at participating Marriott properties, you earn 6 points per $1 spent. For specific spending categories, such as at restaurants and gas stations, you earn 4 points. Purchases that don't qualify for special reward rates still earn 2 points.

This card brings with it a host of Marriott-specific benefits. In addition to free rewards nights, for example, cardholders receive complimentary Marriott Bonvoy Silver Elite status and premium on-property internet access.

You may also benefit by using this card outside of the U.S., as it does not come with any overseas transaction fees.

Pros

• Earn 125,000 Bonus Marriott Bonvoy Points by spending $5,000 within three months. The offer expires on 5/3/23.
• Earn up to 6 points per $1
• Redeem points for free Marriott nights, air travel or cab rentals
• No blackout dates when you redeem points for free nights
• No foreign transaction fees
• No over-limit fees
• Employee cards
• Free night awards
• Marriott-specific benefits
• Travel and purchase covers

• Become a Marriott Bonvoy Business member automatically.
• Earn 125,000 Bonus Marriott Bonvoy Points by spending $5,000 within three months. The offer expires on 5/3/23.
• Earn 6 points per $1 on eligible purchases at participating Marriott Bonvoy hotels.
• Earn 4 points per $1 on eligible purchases in the U.S. at gas stations, at restaurants, on wireless telephone services purchased directly from service providers and on shipping purchases.
• Earn 2 points on all other eligible purchases.
• Redeem points for free Marriott nights as well as for air travel and cab rentals through different travel partners.
• Earn a one free night award every year and qualify for another if your annual spending exceeds $60,000.
• Get complimentary premium in-room internet access when you stay at participating Marriott Bonvoy hotels.
• Earn Elite night credits to get closer to the next level of your Marriott Bonvoy Elite status.
• Pay no international transaction fees.
• Benefit through intro offers for new cardholders.
• Get baggage insurance, car rental loss and damage insurance, purchase protection and extended warranty.
• Get employee cards and set individual spending limits.
• Get access to a range of Amex offers.
• Simplify accounting by designating account managers and getting year-end summaries.
• Use Vendor Pay to improve cash flow.

Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.