Top Amex Business Credit Cards

American Express is a well-known financial institution that offers a range of business cards to cater to different needs. The American Express Business Card is one of the great cards available for businesses, with benefits such as a welcome offer and statement credits.

The United Business Card and Business Platinum Card are also fantastic options for businesses looking for added perks. These cards come with chip technology for added security when making transactions.

Card membership on any American Express card comes with anniversary year perks, which can be enjoyed by cardmembers. Nowon American Express has access to these great cards and their benefits.

When considering an American Express business card, it's important to note the differences between each card and what they offer in terms of rewards and benefits. For example, the United Business Card offers up to 100,000 bonus miles per year while the Business Platinum Card offers access to airport lounges around the world.

As a cardmember, you'll also enjoy anniversary year perks such as statement credits or bonus points. These perks can vary depending on which card you have but are always a nice way to celebrate another year of being an American Express cardholder.

Qualifying for a Business Credit Card

Maintaining a good credit score and credit record is essential making it an ideal option for businesses that require additional funds. However, before applying for a business credit card, it is important to understand the requirements and qualifications.

Credit Score and Credit Record

A good credit score and credit record are crucial factors in determining whether you qualify for a business credit card or not. The higher your credit score, the better your chances of getting approved for a business card with favorable terms and conditions. A good credit record shows that you have been responsible with your finances in the past, which makes lenders more willing to extend you a line of credit.

To increase your chances of qualifying for a business credit card, it is recommended that you maintain a minimum FICO score of 680. Ensure that there are no errors on your credit report as they can negatively impact your overall score.

Credit Limit

Businesses require access to significant amounts of capital to cover expenses such as inventory purchases or equipment upgrades. Business cards offer higher limits compared to personal cards, allowing businesses to make larger purchases without maxing out their available balance.

When applying for a business card, ensure that the limit offered is sufficient enough to meet your needs. It's also important to note that some issuers may offer lower limits initially but will increase them over time based on how responsibly you use the card.

Statement Credits

Some business cards offer statement credits for specific types of purchases made by the primary cardholder or authorized users. For instance, the Ink Business Preferred Credit Card offers statement credits towards advertising expenses on social media platforms such as Facebook and Google Ads.

The Business Gold Card from American Express offers statement credits towards eligible purchases made through select technology providers such as Microsoft and Dell Technologies. These statement credits can help offset the cost of business purchases, making them a valuable feature for small businesses.

Separating Personal and Business Expenses

Using a business credit card to make purchases can help separate personal and business expenses. This makes it easier to track expenses and manage finances, especially during tax season. Using a business card responsibly can help build your business credit score, which can be beneficial in securing financing in the future.

Personal vs Business Credit Cards

Personal credit cards and business credit cards are two different types of credit cards that serve different purposes. Personal credit cards are designed for individual use, while corporate cards are intended for business expenses. In this section, we will discuss the differences between personal and business credit cards.

Personal Credit Cards

Personal credit cards are issued to individuals who use them to make purchases for personal reasons. These may include shopping, dining out, travel, or entertainment expenses. The cardholder is responsible for paying the balance on time each month to avoid interest charges.

One of the benefits of using a personal credit card is that it can help build a good payment history. This can be useful when applying for loans or other types of financing in the future. Some personal credit cards offer rewards programs that allow users to earn points or cash back on their purchases.

However, there are also risks associated with using a personal credit card. If not used responsibly, it can lead to high levels of debt and damage one's credit score.

Business Credit Cards

Business credit cards are designed specifically for businesses and their employees. They provide financial resources for the company and can help track employee spending. Unusual purchases made on a corporate card may raise red flags and require additional documentation for verification.

Employee cards can be issued with preset spending limits and provide detailed account information for easy tracking. This makes it easier to monitor employee spending and ensure compliance with company policies.

Another benefit of using a business credit card is that it can help separate business expenses from personal expenses. This simplifies accounting processes by providing a clear record of all business-related transactions in one place.

However, there are also risks associated with using a business credit card. If not used responsibly, it can lead to high levels of debt and damage the company's financial health.

Applying for an Amex Business Credit Card

Official Application Link

To apply for an American Express Business Credit Card, you can visit the official application link on their website. The application process is simple and straightforward. You will need to provide information about your business, such as the name, address, and type of industry. You will be asked to provide personal details like your name, social security number, and date of birth.

Checking Account

During the account opening process, you may be asked to provide information about your checking account. This is because Amex wants to ensure that you have a stable financial history before approving your credit card application. They want to make sure that you are able to pay off any balances on time and in full.

Same Reservation Companion Certificate

One of the benefits of having an Amex Business Credit Card is earning rewards such as same reservation companion certificates. These certificates allow you to bring a companion with you when booking a flight or hotel room at no additional cost. This can be a great perk for business owners who frequently travel with colleagues or family members.

Foreign Transaction Fee

Another benefit of having an Amex Business Credit Card is no foreign transaction fees. If your business requires international travel or purchases from foreign vendors, this can save you a significant amount of money in fees.

Global Entry and Southwest Rapid Rewards

Amex Business Credit Cards also offer access to programs like Global Entry and Southwest Rapid Rewards. Global Entry allows expedited clearance for pre-approved travelers upon arrival in the United States while Southwest Rapid Rewards provides points for flights which can be redeemed for future travel expenses.

Shipping

Once approved for an Amex Business Credit Card, your card will be shipped directly to you within 7-10 business days. Once received, activate it by following the instructions provided with the card.

Best Amex Business Cards for Hotels and Lounge Access

Hilton Honors American Express Business Card: Access to Over 1,000 Hotels and Resorts Worldwide

The Hilton Honors American Express Business Card is a fantastic option for those who frequently stay at Hilton hotels. This card offers access to over 1,000 hotels and resorts worldwide, making it an excellent choice for business travelers who need accommodations in various locations. With this card, you can earn up to 12x points per dollar spent on eligible purchases at participating hotels within the Hilton portfolio. You'll receive complimentary Gold status with your card membership, which comes with benefits like room upgrades and free breakfast.

One of the standout features of the Hilton Honors American Express Business Card is its ability to provide access to airport lounges through Priority Pass Select. This benefit allows you to enjoy complimentary food and beverages while waiting for your flight. You'll also have access to amenities like Wi-Fi and comfortable seating areas.

6x Marriott Bonvoy Points with Marriott Bonvoy Business American Express Card

If you're a frequent traveler who stays at Marriott properties often, then the Marriott Bonvoy Business American Express Card might be the perfect fit for you. With this card, you can earn up to 6x points per dollar spent on eligible purchases at participating Marriott Bonvoy hotels. The rewards program provides exclusive benefits such as free Wi-Fi, mobile check-in, and late checkout.

Another great feature of this card is that it provides travel insurance coverage when you use it to book your trip. This includes baggage insurance if your luggage is lost or stolen during transit. You'll also have access to emergency assistance services if something goes wrong while traveling.

Marriott Bonvoy Program: Exclusive Benefits

The Marriott Bonvoy program provides exclusive benefits for members who stay at participating hotels within their portfolio. These benefits include free Wi-Fi, mobile check-in, and late checkout. Members can also earn points towards future stays when they book directly through Marriott's website or mobile app.

Priority Boarding Privileges with Delta SkyMiles Platinum Business American Express Card

The Delta SkyMiles Platinum Business American Express Card is an excellent option for those who frequently fly with Delta Airlines. This card provides priority boarding privileges, allowing you to board the plane before other passengers. You'll also receive a free checked bag on every flight, which can save you money if you typically check luggage.

In addition to these benefits, the Delta SkyMiles Platinum Business American Express Card also provides access to airport lounges through the Delta Sky Club program. This benefit allows you to enjoy complimentary food and beverages while waiting for your flight. You'll also have access to amenities like Wi-Fi and comfortable seating areas.

Fine Hotels & Resorts Program: Prepaid Hotels and Exclusive Amenities

The Platinum Card from American Express offers access to the Fine Hotels & Resorts program, which provides prepaid hotels and exclusive amenities at participating properties around the world. These amenities can include things like room upgrades, daily breakfast for two, and late checkout. By booking through this program, you can enjoy a more luxurious travel experience without breaking the bank.

Best Amex Business Cards for Travel and Delta Loyalists

Top Business Travel Cards for Travelers Who Prioritize Travel Perks and Rewards Programs

As a business traveler, it's essential to have a credit card that offers travel perks and rewards programs. The right card can make all the difference in your travel experience. Here are some of the top business travel cards that you should consider.

Delta Loyalists Can Benefit from Amex's Partnership with Delta, Offering Exclusive Travel Perks and Rewards

If you're a Delta loyalist, then you might want to consider getting an Amex Delta SkyMiles Business Card. With this card, you can earn miles on every purchase you make. You'll also receive exclusive travel perks such as priority boarding, free checked bags, and discounted access to Delta Sky Club lounges.

The Platinum Delta SkyMiles Business Card is another great option for frequent Delta flyers. This card comes with an annual companion certificate that allows you to bring a friend or family member on any domestic flight for just the cost of taxes and fees.

Capital One Travel is Another Popular Option for Business Travelers Looking for Flexible Rewards and Travel Partners

Capital One Venture Rewards Credit Card is one of the best options for travelers who value flexibility you can earn unlimited 2X miles per dollar spent on every purchase. You can also transfer your miles to over 15 travel partners including airlines like JetBlue Airways and Emirates.

Another popular Capital One credit card is the Spark Miles Select for Business. This card offers unlimited 1.5X miles per dollar spent on every purchase with no annual fee.

Southwest is Also a Great Option for Those Who Frequently Fly with the Airline, as Amex Offers Co-Branded Cards with the Airline That Offer Unique Benefits

For those who frequently fly Southwest Airlines, there are several co-branded Amex cards available that offer unique benefits such as priority boarding, free checked bags, and annual travel credits. The Southwest Rapid Rewards Performance Business Credit Card is one of the best options for frequent Southwest flyers. This card offers 3X points per dollar spent on Southwest purchases and 2X points per dollar spent on social media and search engine advertising.

Another great option is the Southwest Rapid Rewards Premier Business Credit Card. This card offers 2X points per dollar spent on Southwest purchases and 1X point per dollar spent on all other purchases.

Best Amex Business Cards for Cashback and Startups

Unlimited Cashback Rewards with Amex Business Cards

For startups and small businesses, managing expenses is crucial for long-term success. One way to maximize savings is by using cashback rewards credit cards. American Express (Amex) offers a range of business cards that provide online cash rewards bonus for new cardholders. Among them, the Spark Cash Plus card from Amex stands out as a great option for startups looking for unlimited cash back rewards.

With the Spark Cash Plus card, you can earn an unlimited 2% cash back on all purchases, regardless of category or spending limit. This means that every time you use your card to pay for business expenses such as office supplies, travel, advertising, or software subscriptions, you receive 2% of the amount back in cash. The annual fee is $150 but waived in the first year.

Another benefit of Amex Business Cards is that they offer flexible redemption options through their Membership Rewards program. For example, if you also have a Chase Ultimate Rewards credit card, you can transfer your points to Amex Membership Rewards and then redeem them for cashback at a higher value than other redemption options.

Bonus Cash Back on Office Supplies and Telecommunications Services

If your startup spends a lot on office supplies and telecommunications services such as internet and phone bills, consider getting the Ink Business Cash card from Chase. This card offers bonus cash back on these categories: 5% on office supply stores and telecommunications services (up to $25k per year), 2% on gas stations and restaurants (up to $25k per year), and 1% on everything else.

The Ink Business Cash also has no annual fee and provides an online cash rewards bonus for new customers who spend $3k within three months of account opening. If you have another Chase Ultimate Rewards credit card such as Sapphire Preferred or Reserve, you can combine your points with Ink Business Cash points to maximize your redemption value.

Ideal for Cloud System Providers

For businesses that use cloud systems and software, Amex Business Cards can be a great way to earn cash rewards on their expenses. For example, the Blue Business Plus card from Amex offers 2x Membership Rewards points on the first $50k spent annually, and then 1x points thereafter. This means that you can earn double points on all purchases up to $50k per year, which can be redeemed for cashback or other rewards such as travel, merchandise, or gift cards.

Moreover, the Blue Business Plus has no annual fee and provides an online cash rewards bonus for new customers who spend $3k within three months of account opening. This card is also useful for startups with fluctuating expenses since there is no preset spending limit.

Cash Rewards on Everyday Business Purchases

Finally, Amex Business Cards are ideal for entrepreneurs who want to earn cash rewards on their everyday business purchases. The SimplyCash Plus card from Amex offers 5% cash back at office supply stores and wireless phone services (up to $50k per year), 3% cash back on a category of your choice such as gas stations or restaurants (up to $50k per year), and 1% cash back on everything else.

The SimplyCash Plus also has no annual fee and provides an online cash rewards bonus for new customers who spend $5k within six months of account opening. You can add employee cards at no extra cost and set individual spending limits to monitor expenses more efficiently.

Comparison of % Back or Day Terms on Amex Business Cards

Earning rewards on Amex Business Cards can be a great way to maximize your spending. With different rewards rates for different spending categories, it's important to understand the differences between earning 4x points, 3x points, and 2x points. In this section, we'll compare the % back or day terms on Amex Business Cards.

4x Points: The Highest Earning Rate

One of the highest earning rates available on Amex Business Cards is the ability to earn 4x points per dollar spent in select categories. These categories include dining, office supplies, and shipping purchases. This means that for every dollar spent in these categories, you'll earn four times the amount of rewards points compared to other spending categories.

For example, if you spend $100 at a restaurant using an Amex Business Card with a 4x point earning rate for dining purchases, you'll earn 400 rewards points. This is significantly higher than if you were to make a purchase in another category with a lower earning rate.

3x Points: A Solid Earning Rate

Another high-earning rate available on some Amex Business Cards is the ability to earn 3x points per dollar spent in select categories. These categories may include travel expenses such as airfare and hotels or advertising purchases made through social media platforms like Facebook and Instagram.

While not as high as the 4x point earning rate, earning three times the amount of rewards points can still be a great way to maximize your spending and earn more rewards over time.

2x Points: A Standard Earning Rate

The standard earning rate on most Amex Business Cards is two times the amount of rewards points per dollar spent. This applies to all other spending categories not included in the higher-earning rates mentioned above.

While not as lucrative as the higher-earning rates available on some cards, earning double the amount of rewards points can still add up over time and provide a solid return on your spending.

Account Anniversary Year Earn: A Time Bonus

In addition to the monthly earning rates discussed above, some Amex Business Cards offer a time bonus during the cardholder's account anniversary year. This bonus may come in the form of additional rewards points or statement credits for spending a certain amount within a specific timeframe.

For example, an Amex Business Card may offer 10,000 bonus rewards points if you spend $5,000 within the first three months of your account anniversary year. This can be a great way to earn even more rewards on top of your regular spending throughout the year.

View Rates: Keep Track of Your Earnings

It's important to keep track of your current monthly rate for earning rewards points on your Amex Business Card. This information can be found on your account statement and will help you understand how much you're earning in each spending category.

By understanding the differences between earning 4x points, 3x points, and 2x points per dollar spent on Amex Business Cards, you can maximize your spending and earn more rewards over time. Don't forget to also take advantage of any time bonuses offered during your account anniversary year to further boost your earnings.

Best Amex Business Cards for No Annual Fee and Introductory APR Offer

Blue Business Cash Card: Unlimited 2x Miles on All Purchases

The Blue Business Cash Card from Amex is one of the best options for businesses looking for a card with no annual fee and an introductory APR offer. With this card, businesses can earn unlimited 2x miles on all purchases, making it easy to rack up rewards quickly. Plus, there's no annual fee to worry about, so businesses can save money while still enjoying the benefits of an Amex card.

In addition to the rewards program, the Blue Business Cash Card also comes with an intro APR offer. For the first 12 months after opening the account, businesses can enjoy 0% APR on purchases. This means that they won't have to pay any interest on their balance during this time period, which can be a huge help in managing cash flow and keeping expenses under control.

Choosing the Right Amex Business Card for Your Needs

In conclusion, American Express offers a variety of affordable business credit cards with benefits that cater to different types of businesses and their needs. The Business Platinum Card is an excellent choice for frequent business travelers who can take advantage of its travel perks and consulting services. The Blue Business Plus Credit Card is perfect for everyday business purchases with its expanded buying power and earn membership rewards points. The Ink Business Preferred Credit Card is ideal for startups with its preferred rewards and cashback benefits.

For those looking for no annual fee options, the American Express Business Advantage Credit Card is a great choice with introductory APR offers. Meanwhile, the Ink Business Unlimited Credit Card offers unlimited cashback on all purchases without any category restrictions.

Businesses in need of hotel and lounge access should consider the Marriott Bonvoy Business American Express Card or the Delta SkyMiles Reserve Business American Express Card. Both cards offer additional benefits such as free nights at hotels or access to Delta Sky Club lounges.

When choosing an Amex business card, it's important to consider your specific needs and how you plan to use the card. With so many options available, there's sure to be a card that fits your unique situation perfectly.