Compare Cards with Travel Rewards
Find the Card that fulfills your business travel needs by comparing travel rewards of business Cards
platinum | gold | starwood-preferred-guest | |
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New Card Member Offer | |||
Annual Fee | $695 Annual Fee¤ | $375 Annual Fee¤ | $125 Annual Fee¤ |
APR | |||
Design Options | ![]() ![]() ![]() | ||
What You Earn | Membership Rewards® Points | Membership Rewards® Points | Marriott Bonvoy Points |
How You Earn | 5X pointson flights, prepaid hotels, and prepaid flight + hotel packages booked at AmexTravel.com‡ 1.5X pointsfor every dollar spent (an extra half point per dollar) on eligible purchases at U.S. Construction material and hardware suppliers, U.S Electronic goods retailers and software & cloud system providers, U.S. shipping providers, or each eligible purchase of $5,000 or more. Earn 1.5X on up to $2 million of these purchases per calendar year. To learn more about spending categories, visit www.americanexpress.com/rewards-info Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. 1X pointsfor each dollar you spend on eligible purchases.‡ Terms and limitations apply. | 4X pointson your top 2 eligible categories, even if your categories change every month. Points cap applies.‡ 3X pointson flights & prepaid hotels booked on AmexTravel.com.‡ 1X pointsfor each dollar you spend on other eligible purchases.‡ | Make business purchases even more rewarding. 6X pointsper dollar on eligible purchases at hotels participating in Marriott Bonvoy®.‡ 4X pointsper dollar on eligible purchases
2X pointson all other eligible purchases.‡ |
platinum | gold | starwood-preferred-guest | |
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Pay Over Time‡ The Pay Over Time feature lets you carry a balance with interest on eligible charges up to your Pay Over Time Limit. As you make purchases, eligible charges will be automatically added to your Pay Over Time balance up to your Pay Over Time Limit when your setting is set to On. Upon making a payment at the end of your billing period, you can decide to pay the statement balance in full, the Minimum Payment Due or any amount in between with interest. Your Pay Over Time setting is initially set to On, which allows you to carry a balance with interest on eligible charges. When the setting is set to Off, all new eligible charges will be added to your Pay In Full balance and required to be paid in full at your next Payment Due Date. Your Card comes with No Preset Spending Limit which means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history. However, it does not mean that you have unlimited spending power. | |||
$240 Flexible Business Credit‡ 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. | |||
Walmart+ Monthly Membership Credit‡ Receive a statement credit1 for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with your Business Gold Card. 1Up to $12.95 plus applicable taxes. Plus Ups not eligible. | |||
Cell Phone Protection‡ You can be reimbursed, the lesser of, your costs to repair or replace your damaged or Stolen cell phone for a maximum of up to $800 per claim with a limit of 2 approved claims per 12-month period when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim. Additional terms and conditions apply.1‡ 1Coverage is provided by New Hampshire Insurance Company, an AIG Company. | |||
No Preset Spending Limit‡ No Preset Spending Limit‡ means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history. | |||
Employee Cards‡ Think of Employee Cards‡ as another tool you can use to stay on top of your expenses. Let employees buy what they need within limits‡ you set. You'll earn rewards‡ on their purchases and receive real-time alerts to help you know who's spending and where. | |||
Connect to QuickBooks®‡ Connect to QuickBooks can help you manage your employee Business Card expenses easily‡. Employees' Business Card transactions and receipts they match to their transactions will also be automatically sent to your QuickBooks every day, so you can manage their expenses right from your QuickBooks. Enrollment required. | |||
Account Manager‡ Assign a trusted employee or business partner to be an Account Manager on your Business Card account.‡ They can handle your tasks like reviewing statements, making payments, and disputing charges on your Business Card account, so you're free to focus on other aspects of your business.‡ | |||
Vendor Pay by Bill.com‡ Take advantage of Vendor Pay by Bill.com by enrolling your Card. With the Basic plan, there is no monthly fee for the first user and no fee for a second user for six months. After six months, the second user will have a fee of $15 per month. Additional fees may apply based on plan type and number of users.‡ | |||
Account Alerts‡ Set up alerts. Get real-time alerts if employees spend outside of merchant types that you've approved‡ or when purchases are blocked due to the set spending limit.‡ | |||
Online Statements View your purchase history, prepare reports, and budget your expenses | |||
Year-End Summary‡ Organizing your finances can be a time-consuming task. That’s why we provide a Year-End Summary‡ of charges as one of the many features of managing your account online. You can analyze your annual expenses in pie or bar charts by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel. With your charges itemized in one place, the Online Year-End Summary is a great tool you can rely on to help prepare for your taxes and manage your spending. Learn more at americanexpress.com/yes. | |||
$199 CLEAR® Plus Credit‡ CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership1 with up to $199 in statement credits per calendar year after you pay for CLEAR Plus with your Business Platinum Card.‡ 1Excluding any applicable taxes and fees. Subject to auto-renewal. | |||
Indeed Credit‡ Build your team, grow your business. Enroll and get up to $90 in statement credits per quarter year for purchases with Indeed on the Business Platinum Card. That's up to $360 back.‡ | |||
Adobe Credit‡ Enroll and get up to $150 in statement credits for eligible annual prepaid business plan purchases of Adobe Creative Cloud for teams or Adobe Acrobat Pro for teams on the Business Platinum Card through 6/30/25.1‡ 1Annual prepaid business plans automatically renew each year on your annual subscription date until cancelled. | |||
Wireless Credit Enroll and get up to $120 in statement credits per year for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That's up to $10 back per month.‡ | |||
Dell Technologies Credit‡ Upgrade your tech, enhance your business. Enroll and get up to $200 in statement credits between July and December and up to $200 in statement credits between January and June on U.S. purchases with Dell Technologies on the Business Platinum Card through 6/30/25.‡ | |||
Pay with Points‡ You know you're a Member when you can see another trip on the horizon. Earn Membership Rewards® points when you book at AmexTravel.com‡, and then use Pay with Points to cover your next vacation.‡ | |||
American Express Global Lounge Collection® The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market.1‡ 1As of 3/2023 | |||
$200 Hilton Statement Credit‡NEW Enroll your Business Platinum Card through American Express and get up to $200 in statement credits per calendar year (up to $50 per quarter) for eligible purchases made directly with a property in the Hilton portfolio on the Business Platinum Card. Hilton for Business program membership is required. If you do not already have a Hilton for Business account, you will be registered for one at the time you enroll in the benefit. The Hilton for Business program offers additional travel value such as access to discounted rates, travel management tools, and loyalty benefits. To learn more about Hilton for Business, visit HiltonForBusiness.com.‡ | |||
Delta Sky Club® Access‡ Business Platinum Card®: Enjoy access to the Delta Sky Club® as part of the Global Lounge Collection benefit. Business Platinum Card® Members receive 10 Visits each year to the Delta Sky Club when flying on an eligible Delta flight. After the 10 visits have been used, paid access is available for $50 per Visit per person using the Business Platinum Card®. Visits are issued on February 1st of each year and can be used until January 31st of the following year. Unlock unlimited Delta Sky Club Access after spending $75,000 in eligible purchases in a calendar year on the Card. Delta SkyMiles® Reserve Business Card: Pamper yourself and enjoy access to the Delta Sky Club®. Delta SkyMiles® Reserve Business Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together. | |||
Centurion Lounge Access‡ Business Platinum Card®: Take a much-needed break from the crowds and commotion of travel with The Centurion Lounge – complimentary for Business Platinum Card Members. Delta SkyMiles® Reserve Business Card: Enjoy complimentary access to The Centurion® Lounge when you book your Delta flight with your Reserve Card. | |||
Fee Credit for Global Entry or TSA PreCheck‡ Business Platinum Card®: Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Business Platinum Card® for a 5-year plan only. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost. Delta SkyMiles® Reserve Business Card & Delta SkyMiles® Platinum Business Card: Stay focused on getting where you need to go. Receive either a statement credit every 4 years after you apply for Global Entry ($120) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Delta SkyMiles® Reserve Business Card & Delta SkyMiles® Platinum Business Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. To read the full terms and conditions, visit www.americanexpress.com/expeditedtravel. | |||
No Foreign Transaction Fees¤‡ Do business globally and pay no foreign transaction fees on your purchases.‡¤ American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions. | |||
Marriott Bonvoy® Room Rate Discount‡ 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.‡ | |||
Trip Delay Insurance‡ Business Platinum Card® & Delta SkyMiles® Reserve Business Card: Booking the trip is easy. Avoiding delays is next to impossible. If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 6 hours, Trip Delay Insurance§ can help reimburse certain additional expenses purchased with your same Eligible Card, up to $500 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.1 1Coverage is provided by New Hampshire Insurance Company, an AIG Company. Delta SkyMiles® Platinum Business Card: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance§ can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per Eligible Card per 12 consecutive month period. Terms, conditions and limitations apply.2 2Coverage is provided by New Hampshire Insurance Company, an AIG Company. | |||
Trip Cancellation and Interruption Insurance‡ Trip Cancelled or Interrupted? If you purchase a round-trip entirely with your Eligible Card and a covered reason cancels or interrupts your trip, we may be able to help. Terms, conditions and limitations apply.1 1Coverage is provided by New Hampshire Insurance Company, an AIG Company. | |||
Fine Hotels & Resorts Program‡ When you're ready to relax and need an escape, enjoy an unforgettable experience with Fine Hotels + Resorts®. When you book through American Express Travel, you'll receive a suite of benefits with an average total value of $5501 in perks, like daily breakfast for two, 4pm check-out, and more. Plus, book on AmexTravel.com and you can earn 5X Membership Rewards® points, or use Pay with Points, on prepaid stays.‡ 1Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 credit towards eligible charges (which vary by property), guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. Actual value will vary based on property, room rate, upgrade availability, and use of benefits. | |||
The Hotel Collection The Hotel Collection has a high-quality selection of upscale hotels, ideal for business trips. Our curated collection features hotels that are individually chosen for their business facilities and convenient location, to help make your stay as smooth as it is successful. The Hotel Collection benefits can only be received when booked through American Express Travel for the Hotel Collection properties.‡ | |||
Free Night Award‡ 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. Awards 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.‡ | |||
Elite Night Credits‡ Each calendar year you can receive 15 Elite Night Credits‡ towards the next level of Marriott Bonvoy Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. | |||
Marriott Bonvoy Air+Car Transfer Program‡ Travel. Air + Car allows you to redeem Marriott Bonvoy points with hundreds of airlines and car rental companies. In addition, you can choose to transfer points to miles with over 40 airlines, mostly at a ratio of three points to one mile.‡ | |||
Premium Internet Access‡ Complimentary in-room, premium Internet access while staying at participating Marriott Bonvoy hotels.‡ Booking requirements apply. | |||
Complimentary Hilton Honors Status‡ With Hilton Honors™ Gold Status, you can enjoy benefits at hotels and resorts within the Hilton Portfolio and earn reward stays faster with Hilton Honors Bonus Points. Enrollment Required. | Hilton Honors™ Gold | ||
Complimentary Marriott Bonvoy Status‡ Marriott Bonvoy Business® American Express® Card: With complimentary Marriott Bonvoy Gold Elite Status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit. Business Platinum Card®: Cushion your return to travel with benefits that allow for more flexibility and spontaneity, like late checkouts and member rates. Plus, with Marriott Bonvoy Gold Elite status, you can receive upgrades to enhanced rooms upon check-in when available. | Marriott Bonvoy® Gold Elite | Marriott Bonvoy Gold Elite Status | |
Business Platinum Travel Service Platinum travel counselors specialize in providing custom itineraries and tailored recommendations to help you make the most of your travels.‡ | |||
Extended Warranty♦︎ With Extended Warranty♦︎ you can shop with less worry knowing the terms of the Original Manufacturer's Warranty can be extended up to one additional year. Applies to warranties of 5 years or less on Covered Purchases in the United States or its territories or possessions. | |||
Purchase Protection♦︎ When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦︎ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions. Delta SkyMiles® Reserve Business Card: Your Covered Purchases can be covered when they’re accidentally damaged, stolen, or lost for up to 90 days from the Covered Purchase date with your Eligible Card. | |||
Return Protection‡ With Return Protection‡, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase.1 1American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories. | |||
American Express® Preferred Access‡ With Preferred Access, you will have access to premium seats for select cultural and sporting events, based on availability. For more information, please visit americanexpress.com/entertainment. | |||
Dispute Resolution‡ If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡ | |||
Baggage Insurance Plan♦︎ Baggage Insurance Plan♦︎ coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage varies by Card product and is in excess of coverage provided by the Common Carrier. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions. | |||
Car Rental Loss and Damage Insurance♦︎ Car Rental Loss and Damage Insurance♦︎ can provide coverage for Damage to or Theft of a Rental Vehicle in a Covered Territory when You use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. | |||
Global Assist® Hotline‡ Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply. | Premium | ||
Car Rental Privileges Enjoy complimentary premium status for a number of car rental programs. Once enrolled in a program, receive upgrades when available, discounts, and priority service for your next car rental at participating locations. Car Rental Privilege benefits are for eligible Business Platinum Card Members and Card Members have the choice to enroll in Avis Preferred®, Hertz Gold Plus Rewards®, and/or Car Rental® Emerald Club. Enrollment Required with eligible card. Terms and limitations apply.‡ | Premium |
Frequently Asked Questions (FAQs)
American Express offers a range of Small Business Credit Cards to help your business grow. Enjoy benefits across our suite of products such as cash back in the form of a statement credit, travel rewards, flexible payment options, and Membership Rewards® points. Choose the Small Business Card from American Express that's right for your business.
Below are some Frequently Asked Questions to help you select the Small Business Card that's best for your business: