American Express Business Card Reviews 2019



There are various American Express business credit cards, such as cash-back credit cards, travel credit cards, no-interest credit cards, and charge cards. American Express business cards are best for business owners who want to earn rewards and have access to additional travel benefits. Plus, they allow business owners to separate and track employee expenses.

With all things considered, American Express business credit cards are among the best small business credit cards. The additional card perks American Express provides are like no other credit card issuer.

American Express Business Cards at a Glance

American Express business cards offer robust additional card perks and strong introductory and ongoing rewards. In the list below, we cover what each card offers, who they’re best for, and any additional features that increase the card’s value. If you’re looking to compare an American Express business card to other small business credit cards, you can do so through our credit card marketplace.

The 14 American Express business cards are:

The American Express Business Platinum Card® is best for business owners who travel frequently, charge all of their monthly business expenses to their credit cards, and want premium card features. This American Express business card is a travel rewards charge card that carries no APRs because it must be paid in full monthly.

This American Express business credit card offers maximum travel rewards when compared to some of the best small business credit cards. Business owners will have access to additional card features that can increase the card’s value. Some of the most valuable features include access to premium airport lounges and TSA Pre✓® or Global Entry.

This is one of the strongest small business credit cards offered by American Express. If you want to learn more about what else this American Express business card offers, read our American Express Business Platinum Card® review.

The American Express® Business Gold Card is best for business owners who want to earn travel rewards on their everyday, business-related expenses. The ongoing rewards offered on this travel rewards card just fall short of the American Express Business Platinum Card®. However, its additional perks make it an extremely valuable American Express business card.

Similar to other American Express business credit cards, the American Express® Business Gold Card offers unbeatable additional card features. For example, business owners will have access to roadside assistance, purchase and return protection, and extended warranty. If you’re looking to learn more about this card, our American Express® Business Gold Card review can help you discover its value.

The Plum Card® from American Express is best for business owners who want a charge card without a preset spending limit and with a no-interest period. If you don’t opt in for the free financing terms, this card must be paid in full every month. Plus, it offers discounts if you pay your statement balance early.

This American Express business card also offers invaluable additional card features that can increase its value. Some of these additional features include premium roadside assistance, purchase protection and return protection, and travel accident insurance. If you’re interested in these features and more details about the card, our review of The Plum Card® can show you all of its offerings.

The American Express Blue Business℠ Plus credit card is best for business owners who need to carry a balance or finance a large purchase. We consider this American Express business card the best 0% APR business credit because of its long introductory no-interest period. Additionally, business owners can earn average ongoing rewards on all of their purchases.

This American Express business credit card also comes with a handful of American Express card features and perks. These additional features include roadside assistance, purchase protection, and travel-related insurance packages. If you want to learn more about this card, our American Express Blue Business℠ Plus review provides an in-depth look at what this card provides.

5. American Express SimplyCash® Plus Business Credit Card

The American Express SimplyCash® Plus Business credit card is best for business owners who want to choose category rewards and additional travel benefits. Additionally, this card is an excellent business credit card for startups that need spending flexibility. You can spend past your credit limit without penalty. This card also offers a no-interest period.

Much like other American Express business credit cards, the American Express SimplyCash® Plus credit card comes with a handful of rare additional benefits. These additional benefits include purchase protection, above-limit purchasing, and baggage insurance. American Express above-limit purchasing is unique to their business credit cards. If you’d like to learn more about this feature and the card’s value, our American Express SimplyCash® Plus Business review can provide you with answers.

The Hilton Honors American Express Business Card is best for business owners who book all of their overnight stays with Hilton hotels and resorts. You can earn maximum Hilton Honors points for your Hilton-related purchases. Plus, you can earn complimentary membership status, which allows you to earn more bonus points on paid stays.

Like other American Express business cards, the Hilton Honors American Express Business Card also offers several additional card features. These card features include roadside assistance, a global assistance hotline, and free airport lounge visits. You can learn more about these features and this travel rewards credit card in our in-depth Hilton Honors American Express Business Card review.

The Marriott Bonvoy Business™ American Express® Card is best for business owners who primarily stay at Marriott Bonvoy hotels, which includes all of the previous Starwood Preferred Guest and Ritz-Carlton properties. You can earn maximum Marriott Bonvoy points, which can be redeemed for free hotel night stays or transferred to select frequent flyer programs.

Similar to other American Express business credit cards, the Marriott Bonvoy Business™ American Express® Card offers card features worth thousands of dollars per year. The additional features include purchase and return protection, extended warranty plan, and baggage insurance. If you want to earn Marriott Bonvoy points and learn more about this card, our Marriott Bonvoy Business™ American Express® Card review will give you an in-depth look at this card.

The American Express Delta Reserve® for Business Credit Card is best for business owners who are loyal Delta Air Lines flyers and want Delta travel perks. This American Express business card is especially good if you typically check baggage or use Delta Sky Club airport lounges. Plus, you can earn rewards on all Delta-related purchases.

In addition to Delta travel perks, the American Express Delta Reserve® for Business Credit Card comes with several American Express additional card features. These additional card features include premium roadside assistance, purchase and return protection, and extended warranty protection. You can learn more about both the Delta and American Express travel perks in our detailed Delta Reserve® for Business Credit Card review.

The American Express Platinum Delta SkyMiles® Business Credit Card is best for business owners who frequently fly with Delta and usually check a bag. With this American Express business credit card, you can earn rewards on purchases made directly with Delta and redeem them for free Delta flights, seat upgrades, car rentals, and merchandise.

Additionally, this American Express business card offers Delta and American Express travel perks, such as free checked baggage. Plus, you will also have access to other additional card features. The most beneficial and valuable additional card features is Delta Sky Club airport lounge access. Our in-depth Platinum Delta SkyMiles® Business Credit Card review gives insight on these card features, its overall costs, and rewards.

The American Express Gold Delta SkyMiles® Business Credit Card is the least expensive Delta card offered by American Express. This American Express business card is best for business owners who primarily fly with Delta and want to access priority boarding. It’s an especially good business travel credit card if you usually check a bag.

With the American Express Gold Delta SkyMiles® Business Credit Card, you will have access to American Express additional card benefits. These additional card benefits include roadside assistance, purchase and return protection, and account management tools. We evaluated these features in our Gold Delta SkyMiles® Business Credit Card review, which can be worth thousands of dollars per year.

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On American Express’s Secure Website

Amazon Business Prime American Express Card

  • Get a $125 Amazon.com Gift Card upon approval for the Amazon Business Prime American Express Card.
  • 5% Back or 90 Days Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership
  • 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
  • 1% Back on other purchases
  • Terms Apply
INTRO APR REGULAR APR ANNUAL FEE CREDIT NEEDED
N/A 16.49% – 24.49% Variable None Good – Excellent
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On American Express’s Secure Website

Note: The information related to the Amazon Business Prime American Express Card has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

The Amazon Business Prime American Express Card is best for business owners who have an existing Amazon Prime membership. You can earn rewards or opt in to free financing terms for purchases made with Amazon-owned businesses, such as Whole Foods Market and Amazon Web Services (AWS). Plus, you can earn an Amazon.com gift card upon approval.

We believe this is one of the best business cards for Amazon purchases. Additionally, this American Express business credit card offers card perks that can value in thousands of dollars per year. Such perks include enhanced data views, extended warranty protection, and account management tools. You can review these features and the card’s overall value in our Amazon Business Prime American Express Card review.

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Amazon Business American Express Card

  • Get a $100 Amazon.com Gift Card upon approval for the Amazon Business American Express Card
  • 3% Back or 60 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market
  • 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers
  • 1% Back on other purchases
  • Terms Apply
INTRO APR REGULAR APR ANNUAL FEE CREDIT NEEDED
N/A 16.49% – 24.49% Variable None Good – Excellent
Apply Now

On American Express’s Secure Website

Note: The information related to the Amazon Business American Express Card has been collected by fitsmallbusiness.com and has not been reviewed or provided by the issuer of this card.

The Amazon Business American Express Card is best for business owners who frequently shop at Amazon but do not have an Amazon Prime membership. This American Express business card is an excellent credit card for Amazon purchases. You can earn rewards or no-interest financing on purchases at Amazon.com, Amazon Web Services (AWS), or Whole Foods Market.

With the Amazon Business American Express Card, you will unlock several free additional card features that increase its value. These features include roadside assistance, Amazon Business enhanced data views, and return and purchase protection. We reviewed these features and the specific card offerings in our in-depth Amazon Business American Express Card review.

The American Express Business Green Rewards Card is best for business owners who want a charge card that offers travel rewards. This American Express business card is required to be paid in full monthly. However, it also offers an invitation only Pay Over Time program, which allows you to pay off eligible purchases over time with interest.

In addition to the Pay Over Time program, the American Express Business Green Rewards Card also comes with several free additional card perks. These perks include roadside assistance, purchase and return protection, extended warranty protection, baggage insurance, account management tools, and more. In our American Express Business Green Rewards Card review, we dive into detail on each of these features and what they specifically cover.

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Lowe’s Business Rewards Card from American Express

  • 5% off at Lowe’s
  • Lowe’s ProServices for discounted delivery and more
  • Earn 5,000 Lowe’s Business Rewards Points; after you spend $100 in purchases on the Card within your first 30 days of Card Membership
  • $0 annual fee
  • 0.0% introductory APR on purchases for 6 months. After that your APR will be a variable rate, currently 17.99%, 21.99% or 26.99%, based on your creditworthiness and other factors as determined at the time of account opening
  • Use this Card to receive points you can redeem for gift cards and more to use towards business expenses.
  • 3X Points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers.
  • 2X Points at Lowe’s.
  • 1X Points on other purchases.
INTRO APR REGULAR APR ANNUAL FEE CREDIT NEEDED
0% 17.99% – 26.99% Variable $0 Good – Excellent
Apply Now

On American Express’s Secure Website

The Lowe’s Business Rewards Card from American Express is best for business owners who frequently shop at Lowe’s home improvement stores. You can also earn in-store discounts and access Lowe’s ProServices for discounted delivery and bulk rate pricing. The in-store discounts alone also make it a great option for contractors and fix-and-flippers.

Similar to other American Express business cards, the Lowe’s Business Rewards Card comes with several robust additional card features. These additional card features can be worth thousands of dollars per year, which include roadside assistance, purchase and return protection, and extended warranty plan. If you want to save money on your Lowe’s purchases, our Lowe’s Business Rewards Card review can teach you just about everything you need to know about this business credit card.

What American Express Business Credit Cards Are Missing

American Express provides several business cards, such as cash back, travel, no-interest charge cards, and co-branded airline and hotel cards. With that being said, American Express business cards generally check all the boxes for business owners. Compared to its competitors, American Express offers all the card options business owners would want, but they typically carry higher annual fees. If you want a lower cost option, a good alternative is a Capital One business credit card.

American Express Business Credit Card Reviews From Users

Most online user reviews suggest that as a company, American Express is a solid credit card issuer. Several American Express users said they love the strong ongoing rewards, the amount of different cards they offer, and the unbeatable additional card features. However, there are some user reviews with complaints about the annual fees being too expensive.

Choosing the Right American Express Business Card

When you’re choosing the right credit card, you have four main types of American Express business cards to choose from. These cards include cash-back rewards credit cards, travel rewards credit cards, no-interest business credit cards, and charge cards. The best credit card for you is likely determined by your specific business situation, such as the rewards you want to earn or if you need to carry a balance.

The types of American Express business credit cards that are available to business owners are:

  • Cash-back rewards credit cards: Business owners can earn cash back on their everyday business-related expenses. The best cash back business credit cards offer ongoing rewards between 1% and 2% back. We believe the American Express SimplyCash® Plus is best for choose category rewards.
  • Travel rewards credit cards: Business owners can earn ongoing travel rewards up to 5x points for their airfare, hotel, or rental car expenses. We believe American Express Business Platinum® offers the best travel rewards business credit cards, which provides premium rewards and benefits.
  • No-interest credit card: Business owners can take advantage of an introductory 0% APR period, which can help finance large purchases. The best no-interest business credit cards offer an introductory 0% APR period up to 15 months. We recommend the American Express Blue Business℠ Plus as the best 0% APR business credit card.
  • Charge cards: Business owners are required to pay charge card balances in full on a monthly basis. American Express is one of the only major credit card issuers that offer charge cards, and they have three to choose from. We recommend the American Express Business Platinum® as one of the best business charge cards.

When evaluating the different American Express business credit cards, it’s important to understand your specific business situation. The best American Express business card for you will most likely come down to your specific spending goals, including the rewards you want to earn or if you need to carry a balance. Overall, we recommend the American Express Business Platinum Card® as the strongest American Express business card.

Alternatives to American Express Business Credit Cards

If you want similar business credit cards, such as cash back or travel rewards, and more affordable annual fees, you may want to consider an alternative. Most of the time, one credit card issuer doesn’t provide everything you want or need in a business credit card. A good alternative would be Capital One. This is because there are six Capital One business credit cards that offer both cash back and travel rewards for a fraction of the cost.

Bottom Line

American Express offers business credit cards across several categories, which include cash back, travel rewards, no-interest, charge cards, and co-branded hotel and airline business credit cards. They each have various introductory and ongoing rewards, annual fees, and APRs. The best American Express business card for you comes down to the rewards you want to earn, if you need to carry a balance, or if you want a co-branded business credit card.

If an American Express business credit card doesn’t seem like a right fit for your business, it’s worth comparing these cards to competitors. You can use our credit card marketplace to shop and compare the best credit cards on the market. Find the best credit card for your business below.

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