Best Amex Credit Cards for Business in 2024

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Updated: March 14, 2024

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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.

Going through all existing and new American Express business credit cards is a monthly exercise that MoneyGeek experts follow. They compare all such cards and select the best of the lot based on different factors such as annual fees, APRs, foreign transaction fees, welcome offers, cash back/reward rates and added perks.

If you wish to extend your search beyond what American Express has to offer, you might benefit by checking our overall list of the best business credit cards.

10%Welcome offer
 
5%Travel and Cash Back Rewards
 
5%Annual Fee

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.


  • The American Express Blue Business Cash™ Card

    Straightforward cash back for businesses with no annual fee


    • 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 0% introductory APR on purchases.

    Pros

    • High flat-rate cash back
    • No annual fee
    • Modest intro APR offer on purchases

    Cons

    • Cap on cash back earnings
    • Foreign transaction fee
    • Enjoy a 0% introductory APR on purchases for the first 12 months from account opening. After that, a variable APR of 18.49% to 26.49% will apply, depending on your creditworthiness and other factors at the time of account opening. See Rates and Fees
    • The APR will not exceed 29.99%. See Rates and Fees
    • Earn 2% cash back on all eligible purchases up to $50,000 per calendar year; after that, you will earn 1%.
    • Cash back is automatically credited to your statement.
    • With Expanded Buying Power, you can spend beyond your credit limit to adapt to your business needs. The amount you can spend above your limit is determined by your card usage, payment history, credit record, financial resources, and other factors.
    • This card has no annual fee. See Rates and Fees
    • Terms Apply
    • See Rates and Fees


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    The American Express Blue Business Cash™ Card
  • 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® 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.

    Pros

    • No annual fee
    • Intro APR on purchases
    • Simple flat-rate rewards on all purchases
    • Flexible redemption options
    • Good for small businesses

    Cons

    • No intro APR on balance transfers
    • Foreign transaction fees
    • Fees for transferring points and booking flights through American Express Travel
    • Earn 15,000 Membership Rewards® points after spending $3,000 on eligible purchases within the card's first three months.
    • Benefit from a 0% intro APR on purchases for the first 12 months from account opening. After that, a variable rate of 18.49% to 26.49% applies, based on your creditworthiness and other factors. The APR will not exceed 29.99%. See rates and fees.
    • Earn 2X Membership Rewards® points on everyday business purchases like office supplies and client dinners, up to the first $50,000 in purchases per year. After that, you'll earn 1 point per dollar.
    • You can use your card beyond its credit limit with its Expanded Buying Power feature. The amount you can spend over your limit adjusts based on your card usage, payment history, credit record, financial resources known to the issuer, and other factors.
    • No annual fee. See rates and fees.
    • Terms apply.
    • See rates and fees.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    The Blue Business® Plus Credit Card from American Express
  • The Hilton Honors American Express Business Card

    Great for earning Hilton Honors points


    • 3–12 Points per $1*Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $195Annual 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.

    Pros

    • Attainable welcome offer
    • Hotel perks, including status and free nights
    • Variety of earning categories
    • No foreign transaction fees

    Cons

    • Hilton points have a lower value than competitors
    • Modest annual fee
    • Earn 130,000 Hilton Honors Bonus Points after spending $6,000 on purchases within the card's first six months.
    • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card, which includes benefits at Hilton hotels and resorts such as an 80% bonus on all Base Points earned on every stay.
    • Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
    • Earn up to $240 back annually for eligible purchases made directly with Hilton.
    • Upgrade to Hilton Honors Diamond Status through the end of the calendar year by spending $40,000 or more in eligible purchases within a calendar year.
    • Earn 5X Hilton Honors Bonus Points on other purchases up to $100,000 each calendar year. All purchases thereafter earn 3X points.
    • Enjoy complimentary National Car Rental Emerald Club Executive status (enrollment required).
    • Annual fee of $195 See rates and fees.
    • Terms apply.
    • See rates and fees.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    The Hilton Honors American Express Business Card
  • Delta SkyMiles® Gold Business American Express Card

    Great rewards for Delta loyalists


    • 1–2 Miles per $1Rewards Rate
    • 20.99% – 29.99% VariableAPR
    • $0 introductory annual fee for the first year, then $150Annual Fee
    • Good–ExcellentRecommended Credit

    The Delta SkyMiles® Gold Business American Express Card offers significant value for frequent travelers, particularly those loyal to Delta. Right off the bat, there's an enticing welcome bonus, ensuring you start on a high note. You'll also benefit from notable discounts and unique perks on Delta flights. If international travel is on the cards, rest easy knowing you won't be hit with foreign transaction fees. Plus, the waived annual fee for the inaugural year is a pleasant touch. While rewards can be intricate and come with caps, the card's overall benefits and potential savings are hard to overlook.

    Pros

    • With welcome bonus offer
    • Get discounts and perks from Delta
    • No foreign transaction fees
    • No annual fee for first year

    Cons

    • Rewards have caps and categories
    • With annual fee after first year
    • Rewards can be complicated
    • Earn 75,000 Bonus Miles after spending $6,000 on purchases within the card's first six months. Offer ends on July 17, 2024.
    • Earn 2 miles per dollar on purchases made directly with Delta and at restaurants.
    • Earn 2 miles per dollar on purchases at U.S. shipping providers and providers for advertising in select media, up to $50,000 per category annually.
    • Earn 1 mile per dollar on all other eligible purchases.
    • Your first checked bag comes free, and you can enjoy Zone 5 priority boarding on Delta flights.
    • Enjoy 20% savings on eligible in-flight purchases with Delta, which comes in the form of statement credits.
    • If you book Delta flights through delta.com or the Fly Delta app using miles, you can save 15% on Award Travel. This discount does not apply to partner-operated flights, taxes and fees.
    • Earn a $200 Delta Flight Credit for future travel after spending $10,000 on purchases in a year.
    • Earn an annual statement credit of up to $150 after booking prepaid hotels or vacation rentals through Delta Stays using your Delta Gold Business American Express Card.
    • There's no annual fee for the first year. Afterward, the annual fee is $150. See rates and fees.
    • No foreign transaction fees. See rates and fees.
    • Terms and conditions apply.
    • See rates and fees.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Delta SkyMiles® Gold Business American Express Card
  • Marriott Bonvoy Business® American Express® Card

    Great for hotel rewards and perks for business spending


    • 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.

    Pros

    • Earn free night awards
    • Significant hotel perks, including Gold Elite status
    • Generous welcome offer
    • No foreign transaction fees

    Cons

    • Annual fee
    • Modest travel benefits
    • No intro APR offers
    • You can earn 3 Free Night Awards after spending $6,000 in the first 6 months. Each award can be redeemed for up to 50,000 Marriott Bonvoy points. Note that some hotels may have resort fees. Terms apply.
    • Receive a 7% discount on eligible bookings when you book directly with Marriott as a Marriott Bonvoy member and cardholder.
    • Earn 6X Marriott Bonvoy points on eligible purchases at Marriott Bonvoy hotels
    • Earn 4X Marriott Bonvoy points on restaurants worldwide, U.S. gas stations, wireless services from U.S. providers, and U.S. shipping purchases
    • Earn 2X Marriott Bonvoy points on all other eligible purchases.
    • Get 1 Free Night Award every year after your card renewal month. Earn an additional Free Night Award after spending $60,000 in a calendar year. Each award can be redeemed for up to 35,000 Marriott Bonvoy points. Note that some hotels may have resort fees.
    • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your card.
    • Annual fee: $125 See rates and fees.
    • Terms apply.
    • See rates and fees.


    Moneygeek.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
    Marriott Bonvoy Business® American Express® Card

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
  • The American Express Blue Business Cash™ Card
    The 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
    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
    The Hilton Honors American Express Business Card
    Great for earning Hilton Honors points
    3–12 Points per $1*
    $195
  • Delta SkyMiles® Gold Business American Express Card
    Delta SkyMiles® Gold Business American Express Card
    Great rewards for Delta loyalists
    1–2 Miles per $1
    $0 introductory annual fee for the first year, then $150
  • Marriott Bonvoy Business® American Express® Card
    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
    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
    American Express® Business Gold Card
    A dynamic rewards card for high-spending business owners
    1–4 Points per $1
    $375
  • Delta SkyMiles® Platinum Business American Express Card
    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
    $350
  • The Business Platinum Card® from American Express
    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
    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
    $650
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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.

1
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.

2
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.

3
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.

4
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.

5
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.

6
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.

7
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.

8
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.

9
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


Rajiv Baniwal headshot

Rajiv Baniwal is a former finance writer at MoneyGeek, with more than 15 years of experience covering financial topics. His expertise includes mortgages, loans, credit cards, insurance and international money transfers.

Baniwal has a bachelor’s degree in art studies from Delhi University.


    *Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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