Compare Business Cards with No Annual Fee
Explore rewards and benefits of our business Cards with no annual fee
| blue-business-plus | blue-business-cash | amazon-business-prime | |
|---|---|---|---|
New Card Member Offer | Earn 15,000 Membership Rewards® Pointsafter you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.† | Earn a $250 Statement Creditafter you spend $3,000 in purchases on your Card in your first 3 months of Card Membership.† | Get a $125 Amazon Gift Cardupon approval for the Amazon Business Prime American Express Card.† |
Annual Fee | $0 Annual Fee¤ | $0 Annual Fee¤ | $0 Annual Fee¤ |
APR | 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤ | 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 17.49% - 27.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤ | APR on purchases will be a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤ |
Design Options | |||
What You Earn | Membership Rewards® Points | Statement Credits | % Back Rewards |
How You Earn | Earn 2X pointson your first $50,000 in eligible purchases per calendar year with no category restrictions. Then earn unlimited 1X points.‡ Eligible purchases on AmexTravel.com also earn 2X points and will not count toward the first $50,000.‡ All without an annual fee.¤ 2X pointson everyday business purchases up to $50,000 per year, then 1X.‡ 1X pointson all other eligible purchases.‡ All with the flexibility to choose how you redeem them.‡ | Earn 2% cash backon the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.‡ | The Amazon Business Prime American Express Card with • 5% Back on the first $120,000 in U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership each calendar year, 1% Back thereafter.‡ • 2% Back at U.S. restaurants, U.S. gas stations, and on wireless telephone services purchased directly from U.S. service providers.‡ • 1% on other purchases.‡ |
| blue-business-plus | blue-business-cash | amazon-business-prime | |
|---|---|---|---|
Expanded Buying Power‡ As business needs evolve, your spending power should too. Expanded Buying Power gives you the freedom to spend above your credit limit and get business done. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.‡ | |||
No Annual Fee¤ $0 annual fee.¤ | |||
Employee Cards‡ Employee Cards: Earn rewards.‡ Set boundaries. Stay up to date. 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. | |||
Account Manager‡ Don't have time to worry about Employee Cards? Assign a trusted team member as an Account Manager‡ with Full Access to add new Employee Cards for you. Your Account Manager can set spending limits‡ and track the amount each employee spends with simple graphs available in their American Express Online Account. | |||
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‡ 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. | |||
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.‡ | |||
No Foreign Transaction Fees¤‡ No Foreign Transaction Fees on international purchases.‡¤ | |||
Amazon Business Enhanced Data Views‡ Gain deeper insights on purchases and simplify expense reconciliation. With enhanced data views, you can see Amazon Business purchases listed item by item in an easily downloadable file from your online statement.‡ | |||
Amazon Shop with Points‡ Redeem rewards on millions of items during checkout at Amazon.com and Amazon Business (U.S.), or apply towards a purchase on your statement.‡ | |||
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. | |||
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. |
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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: