All Benefits & Features
Pay Over Time Option‡
The Pay Over Time feature lets you carry a balance with interest on eligible charges.
How it works:- Eligible charges can be paid over time, up to the amount of your Pay Over Time Limit on your account.
- You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.
- You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance.
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.Membership Rewards® Program
Membership Rewards® points are easy to use. Earn points on eligible purchases, then choose how you want to redeem. A weekend away, a gift card for morning coffees, a statement credit – it's all up to you when you're a Member.1X point
for each dollar you spend on eligible purchases.‡2X points
for each dollar you spend on eligible purchases at AmexTravel.com.‡Employee Business Expense Card
There is $0 annual fee for each additional Employee Business Expense Card you add to your account. Plus, Membership Rewards® points‡ earned on employee purchases are credited to the Basic Card Member's account.‡Connect to QuickBooks®
Save time with auto-expense categorization in QuickBooks— Once enrolled, your Business Card transactions are automatically tagged with your QuickBooks categories.‡Vendor Pay by Bill.com‡
You can make the most out of paying your business bills. Enhance cash flow management and take advantage of Card benefits when you use your Card to pay bills with 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 Manager
When you designate an Account Manager, you can allow trusted individuals - like an assistant or business partner - to access and manage your American Express Business Card account. So you can trust your Account Manager to get the work done when you can't be there.‡Account Alerts
Set Account Alerts to help you avoid late payments, notify you of irregular activity, and monitor Employee Card spending.Year-End Summary
At the start of each year, we provide access to a Year-End Summary of charges so you can review your annual spending. Log into your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel to help prepare for your taxes and manage your spending.‡Online Statements
View your purchase history, prepare reports and budget your expenses.American Express® App
Make payments, track spending and rewards, freeze or replace your Card, and get important account alerts with the American Express App.‡Membership Rewards® Pay With Points
You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation, or cruise booked at AmexTravel.com‡Car Rental Loss and Damage Insurance♦︎
As a Card Member, you can be covered 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. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.Baggage Insurance Plan♦︎
Travel more comfortably knowing you can be covered for lost, damaged, or stolen Baggage when you purchase the Entire Fare for a Common Carrier Vehicle ticket (e.g. plane, train, ship, or bus) on an Eligible Card. Coverage can be provided for up to $1,250 for carry-on Baggage and up to $500 for checked Baggage, 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.Global Assist® Hotline‡
Sometimes the unexpected happens when you travel. A passport is lost. You come down with a sudden illness. A lawyer is needed. Being an Employee Card Member can make things easier. Global Assist® Hotline‡ can help you prepare for your trip with customs information and more. And while you're traveling more than 100 miles from home, coordination and assistance services such as lost passport replacement assistance, translation services, missing luggage assistance, and emergency legal and medical referrals are a phone call away. Card Members are responsible for the costs charged by third-party service providers.Amex Offers
Turn everyday business expenses into rewarding experiences with Amex Offers for Business. Enroll your Card in nearby offers and earn rewards and statement credits for the business from your favorite places to shop for inventory, catering, office supplies, and more – plus, you can track rewards to see how much you're earning.‡Dispute Resolution
If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡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.