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.
MoneyGeek's Take
Best Amex Credit Cards for Business in 2023
This article is part of our larger series on Best Business Credit Cards

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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.

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 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 Hilton Honors American Express Business Card
- 3–12 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
- Delta SkyMiles® Gold Business American Express Card
- 1–2 Miles per $1Rewards Rate
- 20.99% – 29.99% VariableAPR
- $99Annual Fee
- Good–ExcellentRecommended Credit
- Marriott Bonvoy Business® American Express® Card
- 2–6 Points per $1*Rewards Rate
- 20.99% – 29.99% VariableAPR
- $125Annual Fee
- Good–ExcellentRecommended Credit
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 CardBest ForAvg. Reward RateAnnual FeeCredit Needed
- American Express Blue Business Cash™ CardStraightforward cash back for businesses with no annual fee1–2% Cash Back*$0
- The Blue Business® Plus Credit Card from American ExpressGreat no-annual-fee card for earning rewards on business spendingup to 2X Membership Rewards® points$0
- The Hilton Honors American Express Business CardGreat for earning Hilton Honors points3–12 Points per $1*$95
- Delta SkyMiles® Gold Business American Express CardGreat rewards for Delta loyalists1–2 Miles per $1$99
- Marriott Bonvoy Business® American Express® CardGreat for hotel rewards and perks for business spending2–6 Points per $1*$125
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.
Further Reading
About Rajiv Baniwal

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