amex travel business card

Everything you need to know about Amex Travel

The American Express Travel portal allows you to redeem Membership Rewards points directly for travel reservations and activities rather than transfer your rewards to airline or hotel partners like Delta Air Lines SkyMiles and Marriott Bonvoy .

You also can book discounted premium tickets, use benefits like a 35% points rebate on certain bookings and even book premium hotels with additional perks through Amex Travel.

Let's explore this booking portal to uncover all its benefits and potential disadvantages.

What is the American Express Travel portal?

Amex Travel is the booking portal for most American Express cards . You can book flights, hotels, rental cars and cruises through the site, and you can pay with points, cash or a combination of the two.

How to book flights on the Amex Travel portal

To find flights on American Express Travel, visit this webpage . The flight booking process on the Amex Travel portal is similar to other popular sites like Kayak and Orbitz. You'll find a search box where you can enter your departure and destination cities.

If you're flexible with your departure airport, you can choose an entire city, such as New York, which has multiple airports. Additionally, you can customize your booking by selecting your preferred class and the number of travelers, and choosing between one-way and round-trip flights.

You'll see the price listed in dollars and the number of Amex Membership Rewards points during the booking process.

You can also use the options on the left-hand side to filter flights by number of stops, departure and arrival times, flight duration and airline.

Delta Air Lines is a featured airline in the Amex Travel portal. Sometimes, Delta flights appear at the top of your results, listed as "recommended," but this doesn't mean those flights are always the cheapest.

Additionally, if you have The Platinum Card® from American Express or The Business Platinum Card® from American Express and are flying from an airport with a Centurion Lounge , you'll see an indicator that a lounge is available.

Points vs. cash

When paying for your flights on Amex Travel, several American Express cards offer elevated earning rates:

You can also pay with Amex Membership Rewards points to cover the cost of your flight.

You'll see the number of points required next to the cash price of a flight. You can expect a value of 1 cent per point when using Pay with Points . However, TPG values Membership Rewards points at 2 cents apiece when you maximize Amex's transfer partners.

Related: How to redeem American Express Membership Rewards for maximum value

It's important to compare the number of points required for bookings on Amex Travel with the points you'd need to transfer to an airline program . If you can't book a flight through transfer partners and prefer to use your points, Amex Travel remains an option.

There's an additional benefit for Amex Business Platinum cardmembers: You can get 35% of your points back when paying with points on Amex Travel. This applies to first- and business-class flights on any airline plus tickets in any class on your preferred airline (the same one used for your airline incidental credits ; enrollment is required in advance). This 35% points rebate can provide a value of 1.54 cents per point, which may influence your decision to pay with cash or points.

Similarly, the Business Centurion® Card from American Express offers a 50% Pay with Points rebate on eligible flights. Note that Centurion cards are available by invitation only.

The information for the Business Centurion Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

More details about flights through Amex Travel

During the payment process, you can use points, your credit card or a combination of both. The minimum number of points you can use is 5,000, and each point is valued at 1 cent.

You can upgrade your flights using cash or points in the Amex Travel portal. This generally gives you a return of 1 cent each, and you can book using your Amex card, points or a combination of both.

During your flight search, you might come across "Insider Fares" that offer a discounted price. But to benefit from the discount, you must redeem points to cover the full fare amount.

Amex Platinum and Amex Business Platinum cardmembers have another benefit: discounted premium tickets through Amex Travel's International Airline Program . This program offers discounts on first-class, business-class and premium economy tickets from over 20 participating airlines.

To book a premium ticket using the IAP, go to the Amex Travel portal and pay with cash or points, including the Business Platinum card's 35% airline rebate. Keep in mind that not all flights are eligible and there are restrictions:

• The cardmember must travel on the itinerary.
• A maximum of eight tickets can be booked per itinerary; travel must begin and end in the U.S. or Canadian international airports.
• Tickets are nonrefundable unless stated otherwise.
• Name changes for passengers are not allowed.

Finally, note that flights booked through Amex Travel are typically treated as normal paid tickets, meaning you're eligible to earn points or miles with participating airline loyalty programs.

Related: Why I love the Amex Business Platinum's Pay with Points perk

How to book hotels on the Amex Travel portal

You can book hotels through American Express Travel with a Gold, Platinum or Centurion card. As with other travel portals, you can input your destination, dates, number of rooms and number of guests (with separate input fields for adults and children).

Platinum and Business Platinum cardmembers earn 5 points per dollar on prepaid hotel reservations.

After selecting your hotel, you'll choose your preferred room and pay with points or cash. If you pay with points, you'll only get a value of 0.7 cents per point (compared to 1 cent when you book flights).

Note that these are considered third-party bookings, so you likely won't earn hotel points or elite credits for your stay . While there are reports of people receiving stay credits with Marriott Bonvoy or Hilton Honors on rooms booked through Amex Travel, the hotel is not guaranteed to recognize your elite status in these programs or provide status-qualifying stay credits.

Related: 9 things to consider when choosing to book via a portal vs. booking directly

Amex Fine Hotels + Resorts

Platinum and Centurion cardholders also have access to the Fine Hotels + Resorts program through Amex Travel. This can add some great benefits to your hotel stays — and may not cost much more than booking directly with the hotel.

Here are the perks you'll receive with every FHR booking, regardless of the length of your stay:

• Room upgrade upon arrival (when available): Some room types may be excluded, but you could receive an upgrade to preferred rooms with better views or a better location in the hotel.
• Daily breakfast for two people: The provided breakfast must be, at a minimum, a continental breakfast.
• Guaranteed 4 p.m. late checkout
• Noon check-in when available
• Complimentary Wi-Fi
• Unique property amenity: The amenity varies by hotel but should be valued at $100 or more and usually consists of a property credit, dining credit, spa credit, private airport transfer or similar amenity.

You'll need to book these stays through Amex Travel, but note that FHR is considered a separate program from Amex Travel.

In addition, if you have the personal Amex Platinum , you can also get up to $200 in statement credits every year for prepaid reservations through Fine Hotels + Resorts or The Hotel Collection — which we'll discuss next. Enrollment is required.

Related: A comparison of luxury hotel programs from credit card issuers: Amex, Capital One, Chase and Citi

The Hotel Collection

A lesser-known American Express benefit is The Hotel Collection , which allows you to book in cash or with points. Those with Amex Gold, Platinum and Centurion cards have access to this program, which offers the following benefits:

• A room upgrade at check-in (if available)
• $100 on-property credit for qualifying dining, spa and resort activities

Note that The Hotel Collection bookings require a minimum stay of two nights, though they too are eligible for the $200 hotel credit on the Amex Platinum.

How to book rental cars and cruises on the Amex Travel portal

Reserving a car in the Amex portal is relatively simple. You'll input your pickup and drop-off times and location.

You'll see rental car prices listed in cash and points. When using Pay with Points , your points are worth 0.7 cents — just over a third of TPG's valuation of Amex Membership Rewards points.

Although the format differs, you can also search for cruises on Amex Travel.

Rather than typing specific dates and numbers of passengers, you'll see four drop-down menus. These allow you to choose a destination (by region), filter by cruise lines and choose a month for travel — though not specific dates — on this first page. You can also select your desired cruise duration.

From here, you can filter by cruise duration, departure port and ship. You can sort your results by sailing date, value, price or ship rating.

On the final payment page, you can use your card or redeem points, ranging from 1 point to enough to cover the entire cost. Using points for a cruise will result in a low valuation of 0.7 cents per point, but it can be a money-saving option if you prefer not to spend cash.

There's another benefit available if you're a Platinum or Centurion cardholder (including personal and business versions of these cards): the Cruise Privileges Program .

This is available on cruises of five nights or more with select cruise lines, and it offers the following perks:

• $100-$500 in onboard ship credit (note that this cannot be used for casino or gratuity charges)
• Additional onboard amenities vary by line, such as spa vouchers, a bottle of Champagne, shore excursion credits or a private ship tour

Note that the Platinum cardmember must be one of the travelers on the cruise to enjoy these benefits.

Related: How to book a cruise using points and miles

Further things to consider about Amex Travel

When booking through the Amex Travel portal, there are a few factors to consider.

First, using Amex Membership Rewards points on Amex Travel may not provide the best value compared to transferring points to airline or hotel loyalty programs. The Pay with Points feature typically values points at 0.7 to 1 cent per point, which is far lower than our 2-cent valuation .

Additionally, the prices on Amex Travel may not always be the most competitive, so we recommend checking other platforms like Google Flights before booking your travel. Also, booking directly with hotels is advised for those seeking to utilize elite status benefits.

When you need to change your upcoming trips booked through Amex Travel, it can get complicated. You may encounter change and cancellation fees, often around $75, and making a change requires a phone call. Flight credit vouchers from cancellations can only be used for rebooking through Amex Travel via phone.

On the positive side, Amex Travel allows a 24-hour cancellation window for most reservations, and booking flights through the site generally still qualifies for earning miles and status with airline loyalty programs.

Related: Redeeming American Express Membership Rewards for maximum value

Bottom line

American Express Travel offers an array of booking options, including the ability to earn bonus Membership Rewards points on select purchases. Although you can use your points to book hotels, flights, rental cars and cruises through Amex Travel, you can get more from your points when you transfer them to Amex's airline and hotel partners .

However, there are exceptions, such as when there is no award availability for last-minute travel. In addition, Amex Travel offers perks like discounted premium flights, added benefits with Amex Fine Hotels + Resorts and a user-friendly interface. And with a simple redemption scheme that doesn't involve complicated loyalty programs and transfer partners, many Amex cardholders prefer it when planning their trips.

Additional reporting by Ryan Patterson and Kyle Olsen.

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Credit Cards

Best business credit cards for travel of May 2024

Ariana Arghandewal

Glen Luke Flanagan

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 3:57 a.m. UTC May 2, 2024

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Business doesn’t just get done in the office. Whether you’re attending conferences and trade shows, hosting business lunches or traveling to far-flung client meetings, the right credit card can make your journey more comfortable — and rewarding. The best business credit cards for travel offer lucrative welcome bonuses and generous rewards for ongoing value. They also provide luxury perks and travel protections to improve your travel experience. While many come with high annual fees, the benefits are often worth the price tag. Here’s our list of the best business credit cards for travel for 2024.

Best business credit cards for travel

• American Express® Business Gold Card  *: Best overall.
• United Club℠ Business Card  *: Best business credit card for airline travel.
• World of Hyatt Business Credit Card  *: Best business credit card for hotels.
• The Business Platinum Card® from American Express  *: Best business card for premium travel perks.
• Delta SkyMiles® Reserve Business American Express Card  *: Best business card for Delta flyers.
• Ink Business Preferred® Credit Card  *: Best business card for general purpose business travel.
• Wyndham Rewards Earner® Business Card  *: Best business credit card for value travel.

All information about American Express® Business Gold Card, The Business Platinum Card® from American Express , Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint.

Why trust our credit card experts

Our team of experts evaluates hundreds of credit cards and analyzes thousands of data points to help you find the best card for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.

• 25+ cards analyzed.
• 9+ data points considered.
• 5-step fact-checking process.

Best overall

American express® business gold card.

The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Welcome bonus

Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s take

• Earn big rewards on purchases from the top two business categories you spend the most on each month.
• Benefits to give you peace of mind while traveling and shopping.
• $375 annual fee.
• Elevated rewards rate is subject to an annual spending cap.
• No introductory APR offer.

Card details

• Annual fee: $375.
• Rewards: 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.
• Welcome bonus: 70,000 Membership Rewards points after spending $10,000 on purchases in the first three months of card membership.
• APR: 19.49% to 28.49% variable APR.
• Perks and benefits: This card includes baggage insurance, car rental insurance and trip delay coverage. You also receive extended warranty and purchase protection.

All information about American Express® Business Gold Card has been collected independently by Blueprint.

Best business credit card for airline travel

United club℠ business card.

The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 50,000 bonus miles and 1,000 Premier qualifying points (PQP) after you spend $5,000 on qualifying purchases in the first 3 months your account is open.

• Elite perks when flying United.
• Ability to earn elite status through credit card spending.
• Above-average earn rate on everyday purchases.
• High annual fee.
• Approval is subject to Chase 5/24 rule.
• Rewards rate on United spending is just OK.
• Annual fee: $450.
• Rewards: 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases.
• Welcome bonus: 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening.
• APR: 21.99% to 28.99% variable APR on purchases and balance transfers .
• Perks and benefits: No foreign transaction fees, complimentary United Club membership, United Premier Access service, free checked bags, 500 Premier Qualifying Points (PQP) for every $12,000 spent (up to 1,000 PQP per calendar year), Premier upgrades on award tickets, 25% discount on in-flight purchases, Avis President’s Club membership, Luxury Hotel & Resort collection benefits, trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and primary rental car insurance.

Best business credit card for hotels

World of hyatt business credit card.

The information for the World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

• Rewards program adapts to your top spending categories.
• Provides Discoverist status.
• No foreign transaction fee.
• $199 annual fee.
• Hyatt has a smaller geographic footprint than some competing hotel chains.
• No intro APR periods.
• Annual fee: $199.
• Rewards: 4 points per $1 at Hyatt hotels, 2 points per $1 on the top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per $1 on fitness club and gym memberships and 1 point per $1 on all other purchases.
• Welcome bonus: 60,000 points after spending $5,000 on purchases in the first three months of account opening.
• APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each balance transfer, whichever is greater, applies .
• Foreign transaction fees: $0.
• Perks and benefits: Discoverist status, up to $100 per year in Hyatt statement credits, discounted room rates through Hyatt Leverage membership, 10% redemption bonus after meeting the $50,000 spending target (limits apply), primary rental car coverage, trip cancellation and interruption insurance, travel and emergency assistance, purchase protection, extended warranty and free employee cards.

Best business card for premium travel perks

The business platinum card® from american express.

The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 150,000 Membership Rewards® points after you spend $20,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.

• No foreign transaction fees.
• High reward potential.
• High-end airport lounge access.
• $695 annual fee.
• No low introductory APR period.
• Some of the potential credits may not be a fit for your business needs.
• Annual fee: $695.
• Rewards: 5 Membership Rewards® points per $1 on flights and prepaid hotels through American Express Travel, 1.5 points per $1 at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, shipping providers, and purchases of $5,000 or more on up to $2 million per calendar year and 1 point per $1 on other eligible purchases.
• Welcome bonus: 150,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first three months of card membership.
• Other perks and benefits: No foreign transaction fees, the following annual statement credits: up to $400 Dell statement statement credit for eligible U.S. purchases, up to $360 Indeed statement credit, up to $150 Adobe Creative Solutions statement credit, up to $120 wireless telephone statement credit (with U.S. wireless telephone service providers), up to $200 airline incidental fee credit, up to $189 CLEAR® Plus statement Credit, up to $100 Global Entry or TSA PreCheck application fee statement credit, get 35% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 1,000,000 points back per calendar year plus elite hotel status and travel and purchase protections and insurances. Enrollment is required for select benefits.

All information about The Business Platinum Card® from American Express has been collected independently by Blueprint.

Best business card for Delta flyers

Delta skymiles® reserve business american express card.

The information for the Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.

• Companion certificate.
• Delta Sky Club and Amex Centurion lounge access.
• Main Cabin 1 priority boarding and a first checked bag free on Delta flights.
• Non-Delta spending rewards are lackluster.
• Annual fee: $650.
• Rewards: 3 Delta SkyMiles per $1 spent on eligible Delta purchases, 1.5 miles per $1 on eligible transit, U.S. shipping, and U.S. office supply store purchases, 1 mile per $1 on other purchases. After spending $150,000 in a calendar year, earn 1.5 miles per $1 on eligible purchases for the rest of the year.
• Welcome bonus: Earn 75,000 miles after spending $10,000 in purchases in the first six months of card membership.
• APR: 20.99% to 29.99% variable APR.
• Foreign transaction fees: None.
• Perks and benefits: Purchase a Delta flight with your card and access The Centurion ® Lounge or Escape Lounge (The Centurion ® Studio Partner), take 15% off when booking Award Travel with miles and receive four Delta Sky Club ® one-time guest passes each year upon card renewal.

All information about Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint.

Best business card for general purpose business travel

Ink business preferred® credit card.

The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®.

• Significant welcome bonus.
• Substantial earn rate on travel and business spending.
• Points transfer 1:1 to over a dozen airline and hotel loyalty programs.
• Chase’s 5/24 rule applies.
• Chase Ultimate Rewards® program has fewer transfer partners than competing programs.
• No intro APR.
• Annual fee: $95.
• Rewards: 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per $1 on all other purchases.
• Welcome bonus: 100,000 points after spending $8,000 on purchases in the first three months of account opening.
• APR: 21.24% to 26.24% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each transfer, whichever is greater, applies .
• Perks and benefits: 25% increase in points value when booking travel through Chase, no foreign transaction fees, trip cancellation/interruption insurance, primary rental car insurance, cell phone protection.

Best business credit card for value travel

Wyndham rewards earner® business card.

The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Earn up to 100,000 bonus points, enough for up to 13 free nights at participating properties — Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.

• Eye-popping rewards on spending at the pump.
• Generous rewards within the hotel brand.
• Receive top-tier Diamond status automatically.
• $95 annual fee.
• Wyndham properties are mostly value-branded hotels.
• Non-Wyndham travel earns only 1 point per $1.
• Rewards: 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.
• Welcome bonus: 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• APR: 0% intro APR for six billing cycles from the transaction date on all qualifying Wyndham Timeshare purchases. The standard APR of 21.24%, 25.24% or 30.24% variable applies to purchases and balance transfers. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies .
• Perks and benefits: No foreign transaction fees, receive Wyndham Rewards Diamond member level and enjoy suite upgrades, welcome amenity at check-in, and more, anniversary bonus of 15,000 bonus points each anniversary year—enough for up to two free nights at participating hotels every year, redeem 10% fewer Wyndham Rewards points for go free® awards, so you earn your free nights faster.

Compare the best business credit cards for travel

All information about American Express® Business Gold Card, Delta SkyMiles® Reserve Business American Express Card and The Business Platinum Card® from American Express has been collected independently by Blueprint.

Why this card made the list

The American Express® Business Gold Card * The information for the American Express® Business Gold Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers the highest potential payout on business spending of any card on this list. Cardmembers earn 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.

The Membership Rewards® program is one of the best out there for travel rewards, offering flexibility and a host of exceptional airlines and hotels you can transfer points to.

The Business Gold Card also includes eligibility for Amex Offers, a valuable program with discounts and deals at hundreds of merchants. It can potentially save you hundreds of dollars a year, possibly helping offset the card’s $375 annual fee. Not to be overlooked are the card’s travel protections like baggage¹ and trip delay insurance², along with secondary rental car coverage³. Cardmembers also qualify for hotel perks through The Hotel Collection, including an up to $100 stay credit and room upgrades.

• Rewards: Earn 4 Membership Rewards points per $1 on up to $150,000 in combined purchases each calendar year on the 2 select categories your business spends the most each month, 3 points per $1 on flights and prepaid hotels booked on amextravel.com and 1 point per $1 for other purchases.
• Welcome bonus: Earn 70,000 Membership Rewards points after spending $10,000 on purchases in the first three months of card membership.
• F oreign transaction fees: None.

The United Club℠ Business Card * The information for the United Club℠ Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is ideal for United flyers looking for premium travel perks. The card offers a generous 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening. Beyond the welcome bonus, you’ll earn 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases, which can add up substantially on business expenses. And, this card is one of the few that still offers price protection, which can save you a bundle if prices drop after you’ve purchased an item.

While you’re earning points on spending, you’ll also accrue 500 Premier Qualifying Points (PQP) for every $12,000 spent (up to 1,000 PQP per calendar year). The card has a $450 annual fee, which is steep, but the included annual United Club membership, which starts at $650, can make up for it if you frequent these lounges (note that this does not include access to the United Polaris Club lounges).

Cardholders also get complimentary United Club membership, Premier Access service, free checked bags, Premier upgrades on award tickets, 25% discount on in-flight purchases. Travel protections include trip cancellation and interruption insurance, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement and primary rental car insurance. The card also comes with Avis President’s Club membership and Luxury Hotel & Resort collection benefits.

Be aware that approval for the card is subject to Chase’s unwritten 5/24 rule , which means anyone who has opened five or more credit cards from any issuer in the past 24 months will likely be denied.

• Rewards: Earn 2 miles per $1 on United purchases and 1.5 miles per $1 on all other purchases.
• Welcome bonus: Earn 50,000 miles and 1,000 Premier qualifying points after spending $5,000 on qualifying purchases in the first three months of account opening.

The World of Hyatt Business Credit Card * The information for the World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is ideal for business travelers looking to take advantage of the brand’s hotel portfolio at a discounted rate. Cardmembers save on hotel rates through the Hyatt Leverage program, and get a 10% rebate on award redemptions (on up to 200,000 points per year) after spending $50,000 on the card in a year. The card also comes with a $50 Hyatt credit issued twice a year to knock down the overall cost of a hotel stay.

Cardholders and up to five employees can get automatic Discoverist elite status, with the option to earn an additional five elite night credits for every $10,000 spent in a year. Plus the card comes with an array of travel protections, which is helpful when you’re on the move and want peace of mind.

• Rewards: Earn 4 points per $1 at Hyatt hotels, 2 points per $1 on the top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per $1 on fitness club and gym memberships and 1 point per $1 on all other purchases.
• Welcome bonus: Earn 60,000 points after spending $5,000 on purchases in the first three months of account opening.

The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) is one of the best premium business travel cards on the market, offering access to elite airport lounges and hundreds of dollars in annual business and travel credits. Big spenders will appreciate the elevated earning rate on eligible purchases over $5,000 (subject to an annual spending cap) while frequent travelers can accumulate substantial rewards by booking through Amex Travel.

The Business Platinum Card also provides the most comprehensive airport lounge benefits of any business card on the market, which includes access to Amex’s Global Lounge Collection, which includes Priority Pass Select and the exclusive Centurion lounge network. Plus, through American Express Fine Hotels & Resorts, cardholders can secure benefits on hotel stays that are typically reserved for elite members like complimentary breakfast, discounted stays, late checkout, resort credits and more. Enrollment is required for some benefits.

You can redeem points for statement credits, travel bookings or maximize their value by transferring them to nearly two dozen airline and hotel loyalty programs for premium award redemptions.

• Rewards: Earn 5 Membership Rewards® points per $1 on flights and prepaid hotels through American Express Travel, 1.5 points per $1 at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, shipping providers, and purchases of $5,000 or more on up to $2 million per calendar year and 1 point per $1 on other eligible purchases.
• Welcome bonus: Earn 150,000 Membership Rewards® points after spending $20,000 on eligible purchases in the first three months of card membership.

If Delta is your preferred airline, the Delta SkyMiles® Reserve Business American Express Card * The information for the Delta SkyMiles® Reserve Business American Express Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers premium travel perks with the airline plus a pathway to elevate your elite status. Cardholders receive $2,500 Medallion ® Qualification Dollars each qualification year with MQD Headstart. Additionally, cardholders can earn $1 MQD for each $10 of eligible purchases each calendar year.

Cardholders also get an annual companion certificate, complimentary upgrades, priority boarding, free checked bags, and an up to $100 Global Entry or TSA PreCheck statement credit to reimburse the program application fee. Plus, enjoy complimentary access to Delta Sky Club*, Amex Centurion and Escape Lounges when flying Delta. The Centurion lounge access alone is substantial, considering this is one of a very select lineup of cards to offer such access.

• Rewards: Earn 3 Delta SkyMiles per $1 spent on eligible Delta purchases, 1.5 miles per $1 on eligible transit, U.S. shipping, and U.S. office supply store purchases, 1 mile per $1 on other purchases. After spending $150,000 in a calendar year, earn 1.5 miles per $1 on eligible purchases for the rest of the year.

*Effective 2/1/25, Reserve card members will receive 15 visits per year to the Delta Sky Club; to earn an unlimited number of visits each year starting on 2/1/25, the total eligible purchases on the card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter. Once all 15 visits have been used, eligible card members may purchase additional Delta Sky Club visits (including grab and go) at a per-visit rate of $50 per person using the card.

The Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a substantial welcome bonus, though you can squeeze more value out of it by transferring points to one of more than a dozen Chase travel airline and hotel partners The card also earns a generous reward rate on common business spending categories (subject to an annual spending cap) making it easy to quickly earn points for travel.

Aside from earning rewards, the card provides valuable travel protections when you hit the road. Primary rental car insurance is a useful perk, as is trip cancellation and interruption insurance. The card’s cellphone protection is also top-notch, providing up to $1,000 worth of coverage per claim in exchange for a $100 deductible.

• Rewards: Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per $1 on all other purchases.
• Welcome bonus: Earn 100,000 points after spending $8,000 on purchases in the first three months of account opening.

Wyndham Rewards is a great loyalty program for business travelers who want the option to book multiple rooms without forking over tons of points. Free nights at Wyndham start at just 7,500 points per bedroom. This means you can book entire apartments at eligible timeshare properties and pay per room, which often works out cheaper compared to booking multiple rooms with other hotel programs.

The Wyndham Rewards Earner® Business Card * The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. also comes with valuable perks like Diamond elite status and discounts on award and paid nights. The $95 annual fee is partially offset by a 15,000-point annual renewal bonus, no foreign transaction fees and cellphone protection.

• Rewards: Earn 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.
• Welcome bonus: Earn 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• Foreign transaction fees: 0% of each transaction in U.S. dollars.

Methodology

Our team of credit card experts analyzed hundreds of credit cards. We compared the travel benefits on a variety of business credit cards, looking at every card’s rewards structure, flexibility of the earnings, annual fees, and any and all other valuable travel perks that came with each card.

We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. Factors we considered included:

• Annual fees.
• Rewards potential and value of rewards.
• Flexibility of rewards.
• Welcome bonuses.
• Travel-related benefits like TSA Precheck or Global Entry application fee reimbursements, checked bag perks or airport lounge access.
• Travel protections and insurances like primary auto rental coverage, trip delay or cancellation insurance and baggage delay insurance.

Should you get a business card for travel?

“ Business cards are a great option for anyone looking to get the most travel rewards out of their spending. Whether you run a traditional business or have a side hustle like reselling items on Facebook Marketplace, these cards can have a wide variety of bonus spending categories with reasonable annual fees,” says Kathleen Porter Kristiansen, travel and money expert and owner of Triplepassport.com.

An ideal candidate for a travel business credit card is someone whose business has significant expenses, and who wants to leverage those expenses for travel rewards. Many business cards offer bonus rewards on common spending categories. By paying with a rewards card that fits your business expense spending patterns, you can typically generate a substantial points or miles balance and then use your credit card rewards to cover travel expenses.

Guide to business cards for travel

A business credit card for travel can benefit anyone with a business who flies, drives or stays overnight for work. A travel business credit card can help manage cash flow, earn rewards to save you money on your next outing and make it easy to keep track of their spending.

Business credit cards for travel sometimes come with features beneficial for business owners like higher spending limits and exclusive travel rewards programs . Keep in mind that nearly all business credit cards typically require a strong personal credit score and may require additional information like an Employee Identification Number or company financial statements. Small business credit cards for travel, like other business credit cards, are also likely to require a personal guarantee, meaning if the business defaults on their debt, the primary cardholder will be held responsible for outstanding debt.

Once you’ve chosen the best business travel card for your needs, it’s important to use it responsibly. Make sure you pay your bill on time every month to avoid late fees or higher interest rates. Also, be aware of any spending limits or restrictions set by the issuer so that you don’t exceed them. Consider tracking your spending regularly so that you can stay on top of your budgeting goals and maximize your rewards program benefits.

Choosing the best business card for travel

Choosing a business card based on your travel goals and habits is a good place to start, but it also makes sense to factor in the rewards structure of any card. For example, if you rarely fly, a card that earns high rewards on flight spending isn’t going to be beneficial. Consider where your business spends the most on a credit card and select a card that offers bonus rewards in those areas. Be sure to factor any annual fees that will eat into the value of any rewards earned.

Other important considerations: Do you want a card that earns rewards with a specific hospitality or airline brand? Or do you want a card that earns flexible rewards that can be redeemed for a variety of travel options?

If you regularly fly with a particular airline or stay within a hotel chain, a cobranded card is likely to be a great fit as these cards tend to earn high rewards on purchases within the brand plus often come with money-saving benefits and other perks like free checked bags, elite status with the brand and more.

Selecting a general purpose travel rewards card comes down to which flexible rewards program works best for your needs. The most popular rewards programs include Chase Ultimate Rewards® , American Express Membership Rewards , Citi ThankYou Points and Capital One miles.

Other issuers, like Bank of America and U.S. Bank, offer credit cards with rewards that can be used to book various types of travel but don’t allow you to transfer your rewards to various travel loyalty programs, which can limit your options.

Explore travel insurance : The best travel insurance companies

Frequently asked questions (FAQs)

Most business cards for travel have no foreign transaction fees. While some credit cards charge a fee of around 3% on each transaction made abroad, you can avoid this fee by getting a card that doesn’t charge foreign transaction fees — such as The Business Platinum Card® from American Express * The information for the The Business Platinum Card® from American Express has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. or any of the selections on this list.

When using a business credit card, it is possible to earn rewards such as points or miles that you can use for travel redemptions. Just make sure you get a business card that earns rewards that will allow redemptions that fit with your needs.

The best type of rewards for those who value flexibility are transferable points like Chase Ultimate Rewards, American Express Membership Rewards, Capital One miles and Citi ThankYou points, since they can be transferred to airline and hotel partners and then redeemed to book travel through your preferred loyalty program.

You can apply for a business credit card like any other credit card. One difference is that you will most likely have the option to include an Employer Identification Number (EIN) in the application. You can apply online and you’ll typically receive an answer within a minute or two.

As is standard, you’ll also have to enter your name on the application, and since you’re applying for a business card, will likely be asked to provide your annual revenue (or estimated revenue if your business is new), as well as address, phone number and number of employees.

For business owners who travel frequently, a credit card that earns travel rewards is likely the better choice. If you’re willing to put the work into transferring rewards to airline and hotel partners, you can potentially get outsize value from your rewards.

But if you aren’t sure how you want to use your travel rewards, or it seems daunting to try and maximize your earnings through various partners, there’s nothing wrong with a cash-back card. After all, cash-back is the most flexible reward of them all. If you think that might be a better fit for your needs, our list of the best cash-back business cards is a great place to start.

¹Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

²Eligibility and Benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

³Eligibility and Benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*The information for the American Express® Business Gold Card, Delta SkyMiles® Reserve Business American Express Card, Ink Business Preferred® Credit Card, The Business Platinum Card® from American Express, United Club℠ Business Card, World of Hyatt Business Credit Card and Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Ariana Arghandewal is a travel hacker and travel rewards expert who leverages credit cards to earn over a million miles every year. She is the founder of Pointchaser, an award-winning blog where she covered rewards travel and credit cards since 2012.

Glen Luke Flanagan is a deputy editor on the USA TODAY Blueprint credit cards team. Prior to joining Blueprint, he served as a deputy editor on the credit cards team at Forbes Advisor, and covered credit cards, credit scoring and related topics as a senior writer at LendingTree. He’s passionate about helping people understand personal finance so they can make the best decisions possible for their wallet. Glen holds a master's degree in technical and professional communication from East Carolina University and a bachelor's degree in journalism from Radford University.

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The 8 Best American Express Business Cards in 2024

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Table of Contents

Why should you get an amex business card, the best amex business cards, other amex business cards, how to select a business credit card, which types of businesses qualify for a business credit card, how to apply for an american express business credit card, how to choose an american express business card, what credit score do i need for an amex business card, how long does it take for an amex business card application to be approved, how many amex business cards can i have, how much are amex points worth, are american express cards the best business credit cards, business credit cards vs. personal credit cards, deciding between an american express business charge card and a business credit card, how we selected our list of best amex business credit cards, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

American Express is a known leader when it comes to business credit cards, with many great options for business owners.

Finding the perfect Amex business credit card that brings the most value to your business operation may seem challenging. So we’re here to walk you through various choices and help you determine which card fits your business best.

Put simply, American Express offers some of the best business credit cards on the market. Additionally, Amex offers a variety of business cards that fit many different business needs.

This includes business owners looking for a premium solution like The Business Platinum Card ® from American Express, business owners looking to maximize large expenses with the American Express ® Business Gold Card, and those looking for a simple, no-annual-fee card like The Blue Business ® Plus Credit Card from American Express ( rates & fees ).

Beyond the benefits specific to each card, many Amex business cards offer helpful business tools that may include a pay-over-time option, no preset spending limit, the ability to add employee cards for a reduced or no additional fee, easy connection to partners like QuickBooks and Bill.com, and more.

No preset spending limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts to factors such as your purchase, payment, and credit history.

• The Business Platinum Card ® from American Express — Best for Travel, Lounge Access
• American Express ® Business Gold Card — Best for Earning Points
• The American Express Blue Business Cash™ Card — Best for Start-ups, Cash-back
• The Blue Business ® Plus Credit Card from American Express — Best for No Annual Fee ( rates & fees )
• The Plum Card ® from American Express — Best for Cash-back
• Delta SkyMiles ® Reserve Business American Express Card  — Best Delta Loyalists, Lounge Access
• Marriott Bonvoy Business ® American Express ® Card —Best for Hotels
• The Hilton Honors American Express Business Card  — Best for Hotels, Lounge Access

Amex Business Card Comparison Table (2024)

Amex business platinum card  (best for travel and lounge access).

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

The Business Platinum Card ® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges , along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)
• High annual fee of $695 ( rates & fees )
• Airline fee credit does not cover airfare, only incidentals like checked bags
• Welcome Offer: Earn 150,000 Membership Rewards ® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards ® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card ® . Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card ® , here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR ® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR ® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card ® .
• The American Express Global Lounge Collection ® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.
• APR: 19.49% - 28.49% Variable
• Foreign Transaction Fees: None

American Express Membership Rewards

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 170,000 points with the Amex Business Platinum. The current public offer is 150,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Business Platinum card  sets the bar high when it comes to earning, redemptions, and the endless benefits that come with the card.

Cardholders can earn 5x points on flights and prepaid hotels on Amex Travel and 1.5x points on eligible purchases with U.S. sellers of construction materials, hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year).

Praised by business travelers everywhere, the card delivers all the perks a traveler would value . Lounge access alone covers the annual fee, and when you add in 35% Pay With Points rebates on travel purchases, hotel and rental car status and benefits , and luxury hotel benefits with Amex Fine Hotels + Resorts and The Hotel Collection , there’s no better fit for the frequent business traveler seeking an American Express travel business card.

The card also comes with a host of statement credits, including:

• Up to $200 in airline credits
• Up to $189 in CLEAR Plus credit
• Up to $400 in Dell statement credits
• Up to $360 in Indeed statement credits
• Up to $150 in Adobe statement credits
• Up to $120 in wireless phone service statement credits

You must enroll for some of these benefits, which you can do on your Amex account. When we look at all of the American Express Business cards, there isn’t any other that comes close to delivering more value for travelers than the Amex Business Platinum card.

Yes, it does come with a high annual fee, but it delivers value for the frequent traveler far beyond the amount of that fee.

Amex Business Gold Card (Best for Earning Points)

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

The American Express ® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

• NEW! Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
• NEW!  U.S. purchases made from electronic goods retailers and software & cloud system providers
• NEW!  Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection
• $375 annual fee ( rates and fees )
• No elite travel benefits like airport lounge access or elite status
• Welcome Offer: Earn 70,000 Membership Rewards ® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• Earn 4X Membership Rewards ® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
• Earn 3X Membership Rewards ® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.
• Your Card – Your Choice. Choose from Gold or Rose Gold.
• *Terms Apply

Hot Tip:  Check to see if you’re eligible for a huge welcome bonus offer of up to 110,000 points with the Amex Business Gold card! The current public offer is 70,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

Another solid business card is the Amex Business Gold card , which rewards your greatest purchases with  4x points on the 2 select categories where your business spent the most each month for the first $150,000 annually (then 1x). This ensures your greatest spending categories earn the greatest rewards. You select eligible bonus categories from a list of 6 common business-expense categories:

• Transit purchases including trains, taxicabs, ride-share services, ferries, tolls, parking, buses, and subways
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases made from select technology providers of computer hardware, software, and cloud solutions
• U.S. purchases for advertising in select media
• U.S. purchases at restaurants

Points add up quickly if your business spends significantly in a particular category.

Hot Tip:  The Amex Business Gold card also ranks high on our list of the best business credit cards for advertising purchases . 

Amex Blue Business Cash Card (Best for Startups, Cash-Back, Introductory APR Offer )

Take control of your cash-back with the Amex Blue Business Cash card, and earn 2% cash-back on up to $50,000 in purchases each year.

Looking for a way to keep tabs on your office supply costs and business travel expenses while earning cash-back? Then The American Express Blue Business Cash™ Card  could be a good fit.

This card offers expense management solutions that are designed to give companies more control, along with a much clearer picture of their business spending. In doing so, the more you spend, the more cash-back you can earn.

• 2% cash-back on up to $50,000 in spend, then 1% back thereafter
• No annual fee
• Travel and purchase protection
• Not ideal for those who spend a lot on a specific category like groceries or gas
• Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% – 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
• From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
• Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
• No Annual Fee
• Terms Apply
• APR: 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
• Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Startup businesses may have an initial mix of expenses that differ from established businesses, as they may need to build technology infrastructure, open a brick-and-mortar storefront, or launch a massive marketing campaign.

For this reason, selecting a business credit card that rewards startup expenses is critical to getting the most value back from a business credit card.

The Amex Blue Business Cash card is a solid card for a startup business because it offers the business owner a simple cash-back earning structure: 2% cash-back on every eligible purchase their business makes (up to $50,000 per year, and 1% after that). The card also offers a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99% .

Amex Blue Business Plus Card (Best for No Annual Fee, Introductory APR Offer )

Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.

As a business owner, getting a credit card that maximizes each dollar you spend does not have to be complicated or expensive. Especially when you opt for The Blue Business ® Plus Credit Card from American Express .

With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees ).

The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.

Let’s take look at all that the Amex Blue Business Plus card has to offer.

• 2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
• Purchase protection and extended warranty protection
• No annual fee and employee cards at no additional cost
• No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
• No elite travel benefits like lounge access or elite status
• Earn 15,000 Membership Rewards ® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
• 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
• Earn 2X Membership Rewards ® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
• You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
• *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
• APR: 18.49% - 26.49% Variable,0% on purchases for 12 months from date of account opening
• Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

Looking for a rewards-earning business credit card without an annual fee? Consider the Amex Blue Business Plus card .

With it, you earn 2x points on all purchases of up to $50,000 in spend per year and 1x points after that.

Further, the Amex Blue Business Plus card is one of the few business credit cards to come with a 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APRs will not exceed 29.99% .

Amex Plum Card (Best for Cash-Back)

Instead of normal cash-back, get an unlimited 1.5% discount when you pay early for eligible days within 10 days of your statement closing date. The discount will be applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

Cash flow can be unpredictable. Sometimes you can pay bills right away, and other times it may be easier to wait. Either way works out in your favor with The Plum Card ® from American Express !

With this card, you can pay your bill early and get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date. You’ll see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the please pay by date. Alternatively, you can take up to 60 days to pay with no interest, when you pay your minimum due by the payment due date.

For those who run seasonal businesses or whose incoming cash flow is unpredictable, the card can provide you with payment alternatives that most other cards don’t.

• Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.
• Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
• Use the power of the Plum Card to buy big for your business.
• No Foreign Transaction Fees.‡
• Terms & Restrictions Apply.

There is no special rewards center for this card; the cash-back earned will be applied directly to your next statement when you pay at the least the Minimum Payment Due by the Please Pay By date.

Cash-back is, of course, the most liquid form of reward you can earn on your business card because the money can go right back into your business. While American Express doesn’t offer many cash-back cards, the Amex Plum Card, which has a more simplistic structure, earns 1.5% cash-back on the portion of your balance you pay within 10 days of your statement closing date . However, if you need more time to pay off your charges, you also get up to 60 days to pay without interest.

Additionally, the card has added perks like no foreign transaction fees, purchase protection, and extended warranty protection ( rates & fees ).

Delta Reserve Business Card (Best for Delta Loyalists and Lounges)

Receive priority boarding, complimentary access to Delta Sky Club and Centurion Lounges, concierge support, and an annual companion certificate.

The Delta SkyMiles ® Reserve Business American Express Card is a premium card option for small business owners who are both frequent travelers and Delta loyalists.

While the annual fee may be steep, the card comes loaded with perks and benefits that all frequent Delta flyers are sure to love. Let’s take a look at what makes the card unique, and why it may be a great fit for your wallet.

• 3x miles per dollar on Delta purchases
• 1.5x miles per dollar on eligible transit, U.S. shipping and office supply stores, plus all eligible purchases after you spend $150,000 in a year
• Save 15% On Award Travel With TakeOff 15. Not applicable to partner-operated flights or to taxes and fees.
• High annual fee
• Does not earn many miles for purchases outside of Delta spend
• Welcome Offer: Earn 75,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
• Reserve your piece of history with the new limited edition Boeing 747 Delta SkyMiles ® Reserve Business American Express Card design.
• Enter Delta Sky Club ® at no cost. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
• Earn 3 miles per dollar on eligible Delta purchases.
• Get closer to elevated Status next Medallion ® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $10 on purchases with your Delta SkyMiles ® Reserve Business American Express Card.
• Receive a Companion Certificate on First Class, Delta Comfort+ ® , or Main Cabin domestic, Caribbean, or Central American roundtrip flights each year after renewal of your Card. The Companion Ticket requires payment of government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
• With the $240 Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
• Earn up to $10 back each month after using your enrolled Delta SkyMiles ® Reserve Business American Express Card for U.S. rideshare purchases with select providers.
• Save 15% when booking Award Travel on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
• Not a Medallion Member? Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members.
• As a benefit of Card Membership, you can check your first bag free on Delta flights, saving up to $60 on a round-trip Delta flight per person. For a family of four that’s a potential savings of up to $240 per round-trip flight.
• When you purchase a Delta flight with your Delta SkyMiles ® Reserve Business Card, you will receive complimentary access to The Centurion ® Lounge or Escape Lounge – The Centurion ® Studio Partner.
• Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
• Elevate your travel experience with an annual statement credit of up to $250  after using your Delta SkyMiles ® Reserve Business American Express Card to book prepaid hotels or vacation rentals through Delta Stays on delta.com.
• Pay no foreign transaction fees when you travel overseas.
• Terms and limitations apply.
• APR: 20.99% - 29.99% Variable

Delta SkyMiles Frequent Flyer Program

If your business requires air travel, look at how American Express’ Delta co-branded business credit cards can add value and save your business money.

Delta business credit cards can earn SkyMiles for reward flights, deliver travel perks that make your journey more comfortable and productive, and even fund a family vacation.

With the Delta Reserve Business card , you get card benefits like:

• 3x SkyMiles on Delta purchases
• Lounge access at Delta Sky Clubs , Centurion Lounges , and Escape Lounges – The Centurion Studio Partner
• Ability to earn elite status miles (MQDs) with credit card spending
• Annual Delta Companion Certificate
• Priority boarding, free checked bags, and access to complimentary upgrades

Marriott Bonvoy Business Card (Best for Marriott Loyalists)

A great option for business owners who stay in Marriott hotels and want automatic elite status.

Business travelers who opt for Marriott as their hotel chain of choice will definitely want to consider the Marriott Bonvoy Business ® American Express ® Card . The card offers great benefits to cardholders like a complimentary hotel night once a year, complimentary Gold Elite status, and multiple point redemption options.

• 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy ® program.
• 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
• 2x points per $1 on all other purchases
• Moderate annual fee of $125 ( rates and fees )
• No premium perks like airport lounge access
• WELCOME OFFER: Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership. Each Free Night Award has a redemption level up to 50,000 Marriott Bonvoy ® points, for a total potential value of up to 150,000 points, at hotels participating in Marriott Bonvoy ® . Certain hotels have resort fees. Terms apply.
• Receive a 7% discount on eligible bookings as a benefit of being both a Marriott Bonvoy ® member & a Marriott Bonvoy Business ® American Express ® Card Member when you book directly with Marriott through an eligible channel for a participating property under the Amex Business Card Rate.
• 2x points on all other eligible purchases.
• Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Award can be used for one night (redemption level at or under 35,000 Marriott Bonvoy ® points) at hotels participating in Marriott Bonvoy ® . Certain hotels have resort fees.
• Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Marriott Bonvoy Business ® American Express ® Card.
• Terms apply.

Marriott Bonvoy

The Marriott Bonvoy Business card is great if you regularly stay at Marriott hotels.

For starters, it allows you to earn 6x points on Marriott stays ; 4x points at restaurants worldwide, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping; and 2x points on all other purchases.

Beyond point earning, it offers automatic Marriott Bonvoy Gold Elite status , 15 Elite Night Credits each year, a 7% room rate discount, and more.

Hilton Business Amex Card (Best for Hilton Loyalists)

An excellent option for business owners and business travelers who stay at Hilton properties often and want perks like Hilton Honors elite status.

For frequent business travelers who regularly stay in Hilton hotels, The Hilton Honors American Express Business Card is a great option.

Not only will the card help you earn more points on all of your Hilton stays, but you’ll also receive automatic elite status and travel protections.

Here’s a detailed look at all the benefits this card offers so that you can determine if it’s a good fit for you.

• 12x points per $1 on eligible Hilton purchases
• Enhanced: 5x points on other purchases made for the first $100,000 in purchases each calendar year, 3X points thereafter.
• Automatic Hilton Honors Gold status, and the ability to spend your way to Diamond status
• $195 annual fee ( rates and fees )
• Limited Time Offer: Earn 175,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors Business Card within the first six months of Card Membership. Offer Ends 6/5.
• Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
• ENHANCED: Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year, 3X points thereafter.
• NEW: Enjoy up to $240 back each year for eligible purchases made directly with Hilton.
• Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card. With Hilton Honors Gold status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio. As a Gold member, earn an 80% Bonus on all Base Points you earn on every stay getting you to free nights faster.
• You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases on your Card Account during a calendar year reach $40,000 or more.
• NEW: Enjoy complimentary National Car Rental ® Emerald Club Executive ® status. Enrollment in the complimentary Emerald Club ® program is required. Terms apply.

Hilton Honors loyalty program

Business owners who’ve made Hilton their hotel chain of choice will find tons of value in the  Hilton Business Amex card . For a reasonable $195 annual fee, you can take advantage of all of these perks:

• 12x points on Hilton stays
• 6x points at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants
• 3x points on all other purchases
• Automatic Hilton Honors Gold status
• 10 complimentary Priority Pass visits each year
• A Free Night Reward after you spend $15,000 on the card in a calendar year, and a second Free Night Reward after you spend $60,000 in a calendar year

While they didn’t make our top 8, American Express offers several other excellent business credit cards. You can learn more about each of them in our dedicated review pages.

Amex Membership Rewards Cards

• Business Centurion ® Card from American Express (by invitation only)
• Business Green Rewards Card from American Express

Amazon Business Cards

• Amazon Business American Express Card
• Amazon Business Prime American Express Card

Delta Business Cards

• Delta SkyMiles ® Gold Business American Express Card
• Delta SkyMiles ® Platinum Business American Express Card
• Lowe’s Business Rewards Card from American Express

Business Card Basics

• Your personal credit plays a significant role in whether you’re approved for a business credit card, so you need to provide this information when applying for a business credit card.
• Credit limits and APRs may be higher  for business credit cards than for personal credit cards.
• The CARD Act does not apply to business cards. The  Federal Credit Card Accountability Responsibility and Disclosure (CARD) Act of 2009  protects consumers from credit card company practices Congress deemed predatory. The act does not cover business credit cards, so they may be less consumer-friendly, although some card issuers now voluntarily include CARD protections for their business cards.

Narrow Your Business Card Options by Answering These Questions

• In which category of business expenses does my business spend the most?  Knowing where most of your company’s money is going is critical to maximizing the benefits of any business rewards-earning credit card.
• Does my business involve frequent travel?   Does your business purchase airline tickets frequently, or are you a road warrior who spends a lot at gas stations and hotels? Perhaps you work out of your home and have no travel expenses at all. That can play a big part in determining which card is right for you.
• Would my business benefit more from cash-back or travel rewards? Do I want cash to reinvest back into my business, or is earning travel rewards the priority? Even if your business doesn’t involve travel, you might want to use the miles or points earned on your business expenses to fund a family vacation.
• Am I comfortable paying an annual fee?  Will the credit card deliver enough benefits to your business to offset any annual fee, or would you prefer a card with no annual fee ?

The IRS defines a business as an activity “carried on with the reasonable expectation of earning a profit.” Still, c redit card issuers have their own criteria for approving business credit card applications.

Some issuers want to see tax returns that show your business operation, and others find a small side gig with little income to be a perfectly acceptable business operation.

The stronger your personal credit history , the more likely you are to be approved for a business credit card, even if your business is just starting out.

Bottom Line:  You need a strong personal credit history to get approved for a business credit card  because you will be personally responsible for paying your business credit card.

Before completing a business credit card application, gather the information you need to complete the application accurately:

• The  name  of your business (this can be your name or another legal name)
• The type of  business entity  (sole proprietor, partnership, S corporation, limited liability company)
• The business tax ID number (either an Employer Identification Number or your own Social Security number)
• The number of years  you’ve been in business
• Total business  revenue  and total personal income: It’s fine to put zero if your business has no income yet
• Address of the business  (can be the same as your personal address) and phone number
• Type of business  and subtype of business (for example, services and accounting services)
• Number of  employees
• Additional personal  information

Here are tips for completing the business credit card application to increase your chances of approval:

• Complete the application as accurately as possible , even if you have to estimate some of the numbers or generalize the nature of your business. Keep notes on why you answered a question a certain way and what your process was for estimating any business revenue or personal income.
• Keep a copy of the application.  If American Express needs more information before approving you for one of their credit cards, you want to be able to refer to your application and any notes you made during any follow-up conversations.
• Document the offer you’re applying for.  For example, if you’re applying for an offer that gives 50,000 points after spending $3,000 in the first 3 months, make sure you have a screenshot or other documentation if, for any reason, the points don’t show up.

Choosing which American Express business card is right for you comes down to what benefits and bonus categories you’re looking for in a new card, as well as whether you’re willing to pay an annual fee for those perks.

If you’re looking for a premium business credit card that is great for travel and offers access to airport lounges, you should consider the Amex Business Platinum card. On the other hand, if your business has large expenses and you’re looking to earn as many points as possible, then the Amex Business Gold card might suit you better. If you don’t need all the bells and whistles and just want a great cash-back credit card with no annual fee, then you might want to go for the Amex Blue Business Cash card.

There really is no right or wrong. Consider your business needs, what you spend the most on, the specific benefits you are looking for, and then decide from there.

No set credit score will guarantee your approval for any Amex business card. Additionally, your credit score is only 1 factor among many in your application decision. American Express also considers your business income, years of credit history, history with American Express, and more.

That said, most business owners who have a credit score of 670 or higher usually have good approval odds for Amex business cards.

You may be approved or denied instantly. But American Express may also require additional time to review your application. They may even need to contact you for further details. In these instances, it is usually no more than 7 to 14 days until you receive a decision.

American Express allows you to hold up to 5 Amex credit cards at once, whether they are personal or business cards. That said, there have been instances of people being approved for more than 5 Amex credit cards in the past, so your mileage may vary.

Additionally, historically, hybrid cards that offer the pay-over-time payment method haven’t counted toward the 5-credit-card limit. These cards include:

• Amex Business Platinum card
• Amex Business Gold card
• The Platinum Card ® from American Express
• American Express ®  Gold Card
• American Express ® Green Card

This is entirely subjective and largely depends on how you plan to redeem your points. If you use your points as cash-back to cover your charges, you only receive a rate of 0.6 cents per point.

Redeeming points for gift cards or paying with points through American Express Travel usually offers up to 1 cent per point in value. However, those who hold the Amex Business Platinum card can take advantage of the 35% rebate for paying with points on select flights through Amex Travel — offering a redemption value of 1.54 cents per point.

That said, at Upgraded Points, we value Amex points at 2.2 cents per point, thanks to the value you can receive via the Amex transfer partners.

Need some redemption ideas? Read through our ultimate guide to the best ways to redeem Amex points for maximum value.

American Express offers some of the best business credit cards, thanks to its combination of a flexible rewards program, useful bonus categories, great perks, and card protections.

However, whether a card is best for you depends on what you want and need in a new business card. We highly recommend you consider all of your options from a variety of banks to ensure that you’re picking the card best suited for your needs.

You may wonder if you need a business credit card for your startup or small business. You may not be generating a lot of profit starting out, and you’ve probably been able to get by using your personal credit card for your business expenses.

The most important reason to use a business credit card is to  keep business expenses separate from personal expenses.

The easiest way to do that is to put all your business expenses on a business credit card. Separating your expenses can be especially important when it comes time to complete your annual tax return and add up your business expenses for the year or in case you face an audit.

You should open a separate bank account for your business even before applying for a business credit card. Using funds from your business bank account to pay your business expenses on a credit card is prudent.

Another reason to secure a business credit card is that they frequently offer perks for businesses, have business cash management tools, offer higher credit limits, and reward business-category spending more than personal cards.

You should know the difference between a business charge card and a business credit card to decide which card matches your business spending patterns — and which will bring the most value to your bottom line.

An Amex business  credit card allows you to carry a balance from one statement period to another . When your statement period ends, you will be charged interest on any balance remaining on the card.

A  charge card requires the balance to be paid off in full each statement period, as charge cards do not typically allow a balance to be carried over to another statement period.

The Amex Plum card lets you carry over a balance,  but this is the card’s key feature and is stated up front. Each card has different requirements, and the card issuer must initiate the opportunity to carry over a balance.

Charge cards usually have no preset spending limit, although that does not mean you have an unlimited credit limit. The credit card issuer determines your limit based on how you manage the card.

Hot Tip:  For more information on this topic, check out this article dedicated to the differences between charge cards and credit cards . 

We use several factors to determine our choices for the best Amex Business cards. The most important included card benefits, earnings structure,  credit card bonus offers , fees, and redemption value.

Here is some insight into our thought process when selecting the best travel rewards cards:

Associated Card Benefits

The top Amex business cards offer benefits that can make your travel more comfortable, save you money, or provide protection should something go wrong. Benefits such as  worldwide lounge access ,  statement credits ,  elite hotels ,  airline benefits or status , and  travel insurance  are just some examples of perks we look for.

Earnings Structure

We look for cards offering bonus earnings on items your business likely spends the most on. Whether that’s advertisement spending, utilities, gas, or even a flat rate on all purchases, these cards make it easy to accumulate rewards on all of your business expenses.

Welcome Bonus Offers

A card’s welcome bonus offer is a unique opportunity to earn a large number of rewards in a short period. These offers play a huge role when we recommend a travel rewards card. We provide you with the current welcome bonus offer information available to us for each card, but you should always confirm the welcome bonus offer and review any earnings offers before applying for a card.

The best Amex business cards come with premium benefits, but you also pay a higher annual fee for those benefits. It’s important that the benefits offered by a business credit card could potentially offset any annual fee you’ll be paying.

Redemption Value

A card scores high with us if it earns flexible rewards that allow for several options at redemption time. The best Amex business cards let you redeem points directly for travel, provide a bonus for rewards redeemed via a travel portal, allow you to redeem rewards for statement credits for travel purchases, or allow you to transfer rewards to airline and hotel partners to receive the greatest potential value.

You can read more about  Upgraded Points’ credit card rating approach  in our detailed guide.

American Express offers more business credit cards than you could use in your lifetime. Their business credit cards are generally strong contenders against other credit cards in their categories, so an American Express business credit card can be a good choice.

Of course, a prudent business owner compares cards before making a decision. We can speed up that process with our comprehensive list of the best business cards for cash-back, rewards, and more .

You’ll find a selection of business credit cards for every type of business operation and confirmation that American Express is a rock star among issuers in the business credit card world.

For the purchase protection benefit of The Plum Card ® from American Express, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of The Plum Card ® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

The information regarding the Amazon Business American Express Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The information regarding the Business Centurion ® Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Business Platinum Card ® from American Express, click here . For rates and fees of the American Express ® Business Gold Card, click here . For rates and fees of The American Express Blue Business Cash™ Card, click here . For rates and fees of The Blue Business ® Plus Credit Card from American Express, click here . For rates and fees of The Plum Card ® from American Express, click here . For rates and fees for the Delta SkyMiles ® Reserve Business American Express Card, click here . For rates and fees of the Marriott Bonvoy Business ® American Express ® Card, click here . For rates and fees of The Hilton Honors American Express Business Card, click  here . For rates and fees of the Amazon Business Prime American Express Card, click here . For rates and fees of the Delta SkyMiles ® Gold Business American Express Card, click here . For rates and fees of the Delta SkyMiles ® Platinum Business American Express Card, click here . For the rates and fees of the Lowe’s Business Rewards Card from American Express, click here .

Frequently Asked Questions

How do business cards work.

Business cards work the same way personal credit cards do. Charges are made throughout the statement period and you must either pay off the entire statement when due (charge card) or make at least a minimum payment and carry over a balance (credit card).

If you own a business, you should keep personal expenses separate from business expenses. A business credit card can help you do that. You are, however, personally responsible for paying the charges on your business credit card, and your personal credit is used to determine whether you should be approved for the business credit card.

How does a cash-back business card work?

On a cash-back business credit card, any purchase you make on the card earns a percentage of that purchase back in cash. Some credit cards allow you to take the cash, but most apply the cash as a statement credit.

Many cash-back credit cards have bonus spending categories that allow you to earn as much as 5% cash-back on your purchases. The biggest benefit of cash-back is that the money can be invested directly back into your business to help offset expenses.

What qualifies as a business for a business credit card?

Even small side businesses such as photographing sports on the weekends or selling homemade jams can qualify for a business credit card, but you would need a strong personal credit history to be approved.

The IRS recognizes any activity that has the intent of earning a profit as a business, so that’s a good guideline to start with, but credit card issuers want your personal credit history to be strong, as you’d be personally responsible for paying off the business credit card.

Are there 0% interest credit cards without a balance transfer fee?

Most business credit cards with introductory APR periods for balance transfers charge fees, usually 3% to 5% of the amount being transferred. You’re more likely to find personal credit cards that offer a 0% APR period for balance transfers that do not charge transfer fees.

Our complete guide to 0% APR credit cards includes American Express personal credit cards that meet these criteria.

Can I use my American Express business credit card for personal purchases?

The short answer is yes, it is possible to use your business credit card for personal expenses. However, one of the reasons to get a business credit card is to keep personal and business expenses separate.

The benefit of keeping these expenses separate is that bookkeeping will be easier at tax time without having to determine which are personal and which are business expenses on the credit card.

Also, should you be audited, it’s best to have only your business expenses on the business credit card.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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Find the best credit card for you

How to apply for an amex business card, you can qualify for a small business credit card with a side hustle, freelance work and even as a rideshare driver..

Terms apply to American Express benefits and offers. Visit  americanexpress.com  to learn more.

An American Express business card application is a touch more complicated than what you'll find with Amex's consumer cards. But once you understand the terminology and how easy it can be to qualify for a business card, you unlock access to more credit card rewards. And the rewards you earn from American Express business cards and personal cards are automatically pooled together, which makes booking your next vacation with Amex points much easier.

Below, CNBC Select details how to complete an Amex business card application.

How to apply for an American Express business card

Advantages to having an american express business card, how to qualify for an amex business card, how to complete an amex business card application, bottom line.

Opening an American Express business card is a great way to turn your business expenses into cash back or travel rewards. Having a credit card for your business is practical because it can streamline some of your bookkeeping by making it easier to separate your personal and business transactions .

Many Amex business cards also have benefits and perks tailored to small business owners. The American Express® Business Gold Card is a perfect example of this, earning a stellar 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. These bonus spending categories include many common business expenses, such as U.S. shipping and select U.S. advertising purchases.

American Express® Business Gold Card

Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.

Welcome bonus

Earn 70,000 Membership Rewards points after you spend $10,000 on eligible purchases within the first three months of card membership

Not applicable

Regular APR

19.49% - 28.49% variable

Balance transfer fee

Foreign transaction fee, credit needed.

See rates and fees , terms apply.

For the business owner who values travel perks, The Business Platinum Card® from American Express is a good fit. It comes with access to 1,400+ airport lounges (enrollment required), up to in $200 in annual airline credits and up to $100 in application fee credits for Global Entry or up to $85 for  TSA PreCheck . Cardholders can enroll and take advantage of gold status with Marriott and Hilton , as well as rental car privileges with Hertz , Avis and National .

The Business Platinum Card® from American Express

Earn 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com and 1X points for each dollar you spend on eligible purchases. Also, earn 1.5X points (that's an extra half point per dollar) on each eligible purchases at US construction material, hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.

 Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

Excellent/Good

See rates and fees , terms apply.

To qualify for an American Express business card , you don't need to be running a start-up backed by venture capital or to have a brick-and-mortar store. Lots of side hustles and independent contractor gigs, such as running an eBay store or driving for Uber , could qualify you for a small business card.

Your personal finances also factor into whether you are approved for an Amex business card. The best cards typically require the highest credit scores . American Express also has specific rules for the cards it issues. For example, you usually aren't eligible for a card's welcome bonus offer if you currently have the card or have had that specific card before.

Most of the information you need to complete an American Express business card application is straightforward. You'll need to enter the following:

• Email Address
• Legal business name
• Business name on card
• Company DBA name (optional)
• Business address
• Industry type
• Company structure
• Years in business
• Number of employees
• Annual business revenue
• Estimated monthly spending
• Federal tax ID
• Role in company

If you're a sole proprietor, some of your business information could be the same as your personal information. A sole proprietor may be able to use their name as the legal business name and the business name displayed on the card, and their Social Security number could serve as their business's tax ID . The company DBA (doing business as) name only applies if you have registered what is known as a fictitious, assumed or trade name for the business. If you're the only person who works for your business, enter "1" for the number of employees.

American Express will also need some personal information, including your name, address, Social Security number , phone number, date of birth, and total annual income. If you're a current American Express cardholder, you can streamline this part of the application by logging into your account, in which case you'll only need to enter your business information and total annual income.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Some of the best business cards are issued by American Express. These cards have benefits and rewards designed with business owners in mind. Qualifying for an Amex business card isn't as difficult as you may think. If you're a sole proprietor, you may be able to complete the application using your name as the business name and your Social Security number as your business tax ID.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every story is based on rigorous reporting by our team of expert writers and editors . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the American Express® Business Gold Card, click here .

For rates and fees of the Business Platinum Card® from American Express, click here .

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Amex Business Platinum benefits guide

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Key takeaways

• The Business Platinum Card from American Express offers a wide range of benefits, including a slew of travel benefits and purchase protection benefits.
• The card also offers different kinds of insurance and multiple business statement credits.
• These benefits can make the steep annual fee worth it, but there's a lot of fine print you have to pay attention to if you're going to take advantage of them.

The Business Platinum Card® from American Express is considered one of the top premium credit cards for small business owners and entrepreneurs. This is partly due to the fact that cardholders can earn American Express Membership Rewards points, which are incredibly valuable and versatile. However, the Amex Business Platinum also offers a range of important benefits that can help users save money on business-related purchases, and even on credit card interest for the first year.

If you’re considering this business credit card from Amex , you’ll want to make sure you can get plenty of value in exchange for its $695 annual fee. Fortunately, the card’s welcome offer, ongoing rewards, Amex Business Platinum travel benefits and statement credit offers more than make up for this fee — especially in the first year.

Amex Business Platinum benefits highlights

Before we explain how Amex Business Platinum benefits work, here’s a rundown of this card’s current offer, including details on its welcome bonus, ongoing rewards rate, introductory APR and more:

• Welcome offer  — 150,000 Membership Rewards points after spending $20,000 on eligible purchases within three months of account opening.
• Rewards  — 5X points on flights and prepaid hotels booked with AmexTravel.com, 2X points on prepaid rental cars booked through AmexTravel.com, 1.5X points per dollar spent (on up to $2,000,000 per calendar year) on purchases of $5,000 or more on select category purchases, 1X points on all other purchases

Amex Membership Rewards points are incredibly flexible, so you can use them in more than one way. For example, you can redeem Amex points for gift cards or merchandise, or you can use them to pay for purchases as you shop. You can also redeem your rewards for travel directly through the Amex travel portal , and you can transfer them to Amex travel partners, including Air France / Flying Blue, Delta SkyMiles, the Hilton Honors program, Marriott Bonvoy and more.

It’s also important to note that points earned in the American Express Membership Rewards program can be worth up to 2 cents each when transferred to travel partners and used for premium redemptions.

With the 35 percent Airline Bonus points feature offered by the Amex Business Platinum, you can get 42,000 points back when you use your points to pay for airfare through amextravel.com. That would be a value of up to $840.

Travel perks and statement credits

The Amex Business Platinum offers a ton of benefits for cardholders who travel often for business or for leisure.

Global Lounge Collection access

$200 credit for airline incidentals, $189 clear® plus credit, 35% airline bonus, fee credit for global entry or tsa precheck membership, amex business platinum hotel benefits, amex business platinum car rental benefits, travel insurance benefits.

Business owners who choose the Business Platinum Card from American Express also receive some complimentary travel insurance protections when they pay for travel on a common carrier with their business card.

Baggage insurance plan

Secondary auto rental coverage, trip delay insurance, trip cancellation and interruption insurance, benefits for business.

In addition to all the Amex Business Platinum travel benefits you can qualify for, there are several business-related perks and statement credit offers available.

Up to $400 in Dell credits

Up to $360 in indeed credits, up to $150 in adobe creative solutions credits, up to $120 in wireless credits, security and protection benefits.

There are plenty of Amex Business Platinum additional card benefits to be aware of, including perks that help you save money when your most expensive purchases break down or become lost or stolen.

Cellphone insurance

Extended warranties, purchase protection, how to maximize the benefits offered by the amex business platinum.

When it comes to the Business Platinum Card from American Express, or really any American Express credit card , you’ll want to pay extremely close attention to the fine print. That’s because Amex tends to create quite a few hoops for members who want to use their perks. This doesn’t mean Amex Business Platinum benefits aren’t worth it; you just need to know the rules ahead of time so you can follow them.

As an example, the $200 airline incidental credit only applies to purchases made with an airline you select. Not only that, but you have to go out of your way to select an airline each year you have the card, and you can only change your selected airline once per year during the month of January.

You’ll also notice the 35 percent airline bonus only applies to either first and business class flights, or any fare with this same selected airline. This means other airline purchases won’t earn these bonus points unless you’re flying first or business class, so you could be stuck having to choose between a flight you really want and the one that will earn bonus points back.

Also, note all the business statement credit offers from companies like Dell, Indeed and Adobe Creative Solutions require enrollment ahead of time. If you forget to enroll before you make eligible purchases, you won’t get any money back.

The bottom line

Amex Business Platinum benefits can easily be worth thousands of dollars. After all, the card’s business statement credits alone are worth up to $1,030 if you use all of them, and Priority Pass Select membership has a retail value of $429. Add in the $200 airline incidental credit, the $189 CLEAR credit and the up to $100 toward Global Entry or TSA PreCheck you receive, and you’re already at $1,938 in value before you even get to your rewards.

This is part of the reason the Amex Business Platinum is often well worth its annual fee . With plenty of statement credit offers and travel perks, plus rewards points that can be worth up to 2 cents each, among the top business credit cards , this one is hard to beat.

Why I love the Amex Business Platinum Card

Why small businesses should consider the Amex Business Platinum

10 things to do when you get the Amex Business Platinum Card

The Platinum Card from American Express vs. The Business Platinum Card from American Express

Is the American Express Business Platinum worth it?

American Express Business Platinum Credit Card Review

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American Express Business Green Card Review 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: American Express® Business Green Rewards Card. The details for these products have not been reviewed or provided by the issuer.

Introduction to the American Express® Business Green Rewards Card

The American Express® Business Green Rewards Card is a straightforward travel rewards business card from Amex that earns valuable Membership Rewards points. However, it doesn't offer the best value for its annual fee, especially with stronger competitors on the market. 

Here's what you should know about this entry-level business card.

Earn 2x Membership Rewards® Points on flights and prepaid hotels booked on Amextravel.com. Earn 1X Membership Rewards® Points on all other purchases.

19.24% - 27.24% Variable

Earn 15,000 Membership Rewards® points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns transferable American Express Membership Rewards points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No preset spending limit
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Modest travel and purchase protections
• con icon Two crossed lines that form an 'X'. Small welcome bonus and poor earning rates compared to similar small-business rewards cards
• con icon Two crossed lines that form an 'X'. Annual fee
• con icon Two crossed lines that form an 'X'. Foreign transaction fees

Amex Business Green Rewards Card Overview

The American Express® Business Green Rewards Card lacks many benefits associated with other Amex business cards. The card offers a modest welcome bonus but comes with underwhelming reward rates, with no bonus rates for business spending categories. It does offer some travel and consumer protections, which can provide value if used regularly.

Despite its flaws, the American Express® Business Green Rewards Card is still a viable option for small businesses that need purchase flexibility, since this card does not have a preset spending limit. Applicants can often earn a welcome bonus as well, which makes the card worth its keep for the first year. 

Amex Business Green Rewards Card Rewards

The American Express® Business Green Rewards Card really flops when it comes to point earning rates on business expenditures. But when it comes to redeemable rewards options, cardholders fare better since this card earns valuable Membership Rewards points. 

Welcome Bonus

The American Express® Business Green Rewards Card currently offers 15,000 Membership Rewards® points after you spend $3,000 on eligible purchases within the first 3 months of card membership. Based on our valuations , Membership Rewards are worth 1.8 cents per point on average making the welcome bonus worth approximately $1,260. 

Earning Rewards

Earning Membership Rewards points is straightforward with the American Express® Business Green Rewards Card. Cardholders earn: 

• 2 points per dollar on eligible purchases at amextravel.com
• 1 point per dollar on other eligible purchases

That means you'll only earn one point per dollar spent on business and everyday purchases, and a lower rate of rewards on travel than you could potentially earn on many other travel business credit cards.

The rewards structure of the American Express® Business Green Rewards Card falls far below what you can earn with other top business travel rewards credit cards. 

Redeeming Rewards

As mentioned, Membership Rewards are worth around 1.8 cents apiece. The Amex loyalty rewards program is among the most flexible available, offering numerous ways to redeem points earned with your American Express® Business Green Rewards Card:

• Travel: Cardholders can redeem points for flights, hotels and cruises through AmexTravel.com. 
• Transfer partners: One of the most valuable redemptions is to transfer your points to any of Amex's 18 airline and three hotel transfer partners, which transfer at a 1:1 ratio in most instances. 
• Pay with points: You can also use points to pay for purchases when checking out at Amazon.com, Staples and other participating merchants. 
• Cover your charges: Points are redeemable for statement credits to cover eligible charges on your card. 
• Cash deposits: If you have an American Express Rewards Checking account or Business Checking account, you can redeem your points for cash via a check deposit to your checking account. 
• Shopping: Cardholders can use points to go shopping for merchandise on MembershipRewards.com. 
• Gift cards: If you like gift cards, you can redeem points for gift cards from popular retailers, restaurants and travel brands. 

Not all redemptions hold the same value. Generally, you can get the most value by transferring your points to airline partners for award flights. 

Amex Business Green Rewards Card Benefits and Features

Overall, the American Express® Business Green Rewards Card may not have enough benefits to justify its annual fee. That said, it does feature a handful of travel and business benefits cardholders may find valuable. 

No Preset Spending Limit

Your American Express® Business Green Rewards Card comes with a flexible spending limit, allowing you to extend beyond normal limits for purchases based on your payment and credit history. 

Car Rental Loss and Damage Insurance

If you're renting a car for business, you receive secondary auto rental coverage when you charge the entire rental cost to your card and decline the rental company's option collision damage waiver. 

Baggage Insurance

Use your American Express® Business Green Rewards Card to pay for carrier vehicle ticket fares (plane, train, ship, or bus) and receive up to $1,250 in coverage for carry-on baggage and $500 for checked baggage if it is lost, stolen or damaged. 

Global Assist Hotline

As a cardholder, you can call the Amex Global Assist Hotline for emergency travel needs and emergency legal and medical referrals. Keep in mind that you are responsible for any costs incurred for assistance services provided. 

Extended Warranty

Eligible purchases made with your American Express® Business Green Rewards Card with a qualifying manufacturer's warranty of five years or less will receive up to one additional year of coverage. The benefit provides coverage up to $10,000 per eligible item and up to $50,000 per card account each calendar year.

Purchase Protection

Eligible new purchases made with your American Express® Business Green Rewards Card are covered for up to 90 days for accidental damage and theft. The benefit provides coverage up to $1,000 per item and $50,000 per account each calendar year.

Business Benefits

The American Express® Business Green Rewards Card offers a handful of features and tools to help you run your business, including: 

• Up to 99 free employee cards, allowing you to earn rewards on employee purchases
• Compatibility with Quickbooks for simple, automatic expense tracking for card purchases
• The ability to designate an account manager to manage your card account and set spending limits on employee cards
• A comprehensive year-end summary so you can review your card spending for the year

Amex Business Green Rewards Card Annual Fee and Other Costs

The American Express® Business Green Rewards Card carries a $95 annual fee.

The card works like a charge card, which means you cannot carry a balance, and it must be paid in full each month. If you qualify for the card's Pay Over Time feature, you can finance eligible purchases at a variable rate based on your creditworthiness and other factors.

Although it's touted as a travel rewards card, American Express® Business Green Rewards Card is not an ideal card to use for international purchases, thanks to a foreign transaction fee of 2.7% of each transaction after conversion to U.S. dollars. The card also charges fees for late and returned payments. 

From a strict cost analysis standpoint, this card doesn't offer a value proposition worth its annual fee after the first year, assuming you're able to earn a welcome bonus up front. 

Amex Business Green Rewards Card Comparison

There are several travel-focused business credit cards that perform better than the American Express® Business Green Rewards Card. Here are a few we recommend. 

The Blue Business® Plus Credit Card from American Express vs. American Express® Business Green Rewards Card

The Blue Business® Plus Credit Card from American Express is a no-fee business credit card from American Express that offers significantly more value for infinitely less financial investment.

This card offers most of the same business features and tools found with the American Express® Business Green Rewards Card, as well as similar travel benefits like car rental loss, damage insurance, and access to the Global Assist Hotline. However, this card doesn't offer baggage insurance. 

Similar to the American Express® Business Green Rewards Card, The Blue Business® Plus Credit Card from American Express features a modest welcome bonus offer. It also earns Membership Rewards points, but at better rates.

With this card, you'll earn 2 points per dollar on the first $50,000 spent in purchases each year, then 1 point per dollar on purchases after that. If you were able to reach that $50,000 mark on spending in a calendar year, that's an extra 100,000 Membership Rewards points you'd earn from using the The Blue Business® Plus Credit Card from American Express over the American Express® Business Green Rewards Card.

The Blue Business® Plus Credit Card from American Express also has no annual fee, making it a great option for business owners who want to earn rewards without paying a yearly fee (and significantly more valuable than the American Express® Business Green Rewards Card).

The business card also comes with an introductory 0% intro APR on purchases for the first 12 months from account opening (After that, 18.49% - 26.49% Variable APR applies, based on your creditworthiness).

Ink Business Preferred® Credit Card vs. American Express® Business Green Rewards Card

The Ink Business Preferred® Credit Card is a travel rewards business card from Chase, and our top choice for our best small business cards list as well as best business credit cards for travel .

Instead of earning Membership Rewards, this card earns rewards from rival Chase Ultimate Rewards , another versatile rewards program that's a big Amex competitor.

The Ink Business Preferred® Credit Card comes with a massive welcome bonus offer of 100,000 bonus points after spending $8,000 on purchases in the first three months from account opening. Unlike the American Express® Business Green Rewards Card, this card earns bonus rates in business-related categories: 

• 3x points on the first $150,000 spent in combined purchases in the following categories each account anniversary year:
• Shipping purchases
• Advertising purchases made with social media sites and search engines
• Internet, cable, and phone services
• Unlimited 1x points on all other purchases 
• 5x points on Lyft rides through March 2025

The Chase Ultimate Rewards program offers great redemption options through 11 airline and 3 hotel transfer partners. You can also redeem points for 25% more value when used to book travel through the Chase Travel portal . 

The Ink Business Preferred® Credit Card charges the same $95 annual fee as the American Express® Business Green Rewards Card but has no foreign transaction fees.

The card comes with several travel and consumer protections that are extremely worthwhile, such as complimentary cellphone insurance . 

How We Reviewed the American Express® Business Green Rewards Card

The credit card experts at Business Insider evaluated the American Express® Business Green Rewards Card against other American Express business cards and other top business credit cards.

We focused on the following criteria:

• Ease of use — Does the card offer a straightforward rewards program that is easy to navigate? Is the card's rewards program easy to navigate?
• Earning potential — How does the card's welcome bonus compare to similar business cards? Does the card earn rewards in bonus categories beneficial for small business owners? Are there any limits placed on rewards earning? 
• Benefits — Does the card carry benefits that provide value for small business owners? Do the benefits included with the card offset the card's annual fee? 
• Annual fee — Does the card have an annual fee, and if so, do its rewards and perks justify it? 

Read about how we rate credit cards for a closer look at our methodology.

The American Express® Business Green Rewards Card has no preset spending limit, but American Express adjusts your spending limit for purchases based on your past payment and credit history.

American Express does not disclose credit or other card requirements, including the American Express® Business Green Rewards Card. Generally, you need good to excellent credit to qualify for personal or business travel rewards credit cards, which is considered a FICO score of 670 or higher.

Yes, the American Express® Business Green Rewards Card allows you to request up to 99 total free employee cards on your account. 

The American Express® Business Green Rewards Card earns valuable Membership Rewards points and is tailored toward business spending. It also comes with useful expense management capabilities for businesses that want to streamline their finances while earning rewards.

The American Express® Business Green Rewards Card doesn't offer many benefits compared to other business cards on the market, especially given the annual fee. However, you can issue up to 99 free authorized user cards under this account, and the card comes with baggage insurance, which can be useful for some travelers. 

Yes, Membership Rewards points can be redeemed for travel, including flights and hotel stays, which can be invaluable for businesses with regular travel expenses.

The American Express® Business Green Rewards Card is a mediocre card at best, primarily valuable for the intro bonus available in its first year. This card has poor earning rates and a $95 annual fee, while many competitors offer generous bonus categories for business expenses with no annual fee. 

Before applying for the American Express® Business Green Rewards Card, compare the annual fee and earning rates against other cards available to make sure it's the best product for you. 

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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