If you’re interested in getting an Amex business card but don’t know which card to get, this guide is perfect for you. I’ll cover all of the finer details of each Amex business credit card to help give you a better understanding of what each card offers in terms of benefits and perks and which card is the best choice for you. So, who are these cards good for? Well, not surprisingly, these cards are specifically designed for business owners.
This can be anything from a small business to a large company, or you could be an Uber driver, Airbnb host, or content creator; it really doesn’t matter. Starting with the American Express Blue Business Plus card, which has no annual fee, all the way up to the American Express Business Platinum card, which has a rather high yearly payment of $695. All four of these Amex business cards have slightly different point-earning abilities depending on which card you choose.
And earning points is a great way to help provide you with quite a lot of value. Now, when it comes to redeeming membership reward points through Amex ba business, depending on what category you choose to use your points on will affect the actual value of your points. So, with low offer benefits, such as shopping through merchant partners, you will only receive 0.5 cents per point. Whereas when you redeem points through American Express Travel, you will earn one cent per point. It’s important to keep this in mind so you can get as much value out of your points as possible.
Now, it’s worth noting that you can receive more value than this by transferring your membership reward points to one of the travel partners. And if you do this, you will almost always find the most value when transferring points to one of the airline partners. As an example, I like to use a website called seats.aero to find amazing deals through a whole range of different airlines. And how this works is quite simple. First of all, I’ll head over to seats.aero, and then I’ll click on the explore button here at the top of the screen.
Then, in the drop-down menu, you will see that there is a list of airlines, and each airline basically shows you which credit card is a part of their program. Now, I tend to find that Air France KLM Flying Blue has some amazing deals and they actually cover 36 different airlines. So I’ll select Air France KLM Flying Blue, and then I’ll make sure it is showing flights from North America to Europe.
Then, I’ll scroll down to the bottom of the page and look for flights that are flying out of JFK. Then I’ll scroll back up to the top of the page and then click here where it says business to organize available business class flights that can be booked with points.
Best American Express Business Credit Cards Of 2024
American Express Blue Business Plus Credit Card
- Welcome Bonus: Earn $250
- Annual Fee: No annual fee
- Regular APR: 18.49% – 26.49% Variable
- Credit Score : Excellent/Good (700 – 749)
this is the most cost effective card within this range of cards from Amex, as it has no annual fee. This card is great for anybody who has recently just started a business amex card and is looking for a way to start getting some extra value out of their everyday business expenses. This is helpful when you are first starting a business, as it provides you with the ability to receive interest-free financing.
This allows you to pay for things such as new inventory for your business and then pay it off over time without incurring any interest. Now, it is possible to earn 50,000 membership reward points if you can manage to spend $8,000 in purchases within the first three months of opening the account.
This will require an average spend of around $670 a week for the first three months of card ownership to actually receive the signup bonus. Now, based on membership reward points being worth one cent per point when redeemed through American Express Travel, you are looking at a value of $500. But when redeemed through Flying Blue, as I showed you before, it is possible to earn upwards of 4.5 cents per point, meaning the signup bonus is worth $2,250.
It depends on what flights are available at the time you make the booking. Now, in terms of benefits, the American Express Blue Business Plus card only really offers the 0% intro APR. Even though the other cards in this ideo do have more benefits on offer, they also have annual fees. Now, this is limited to $50,000 per year, which works out to be 100,000 points.
Once you meet this limit, all spending that you make on the card will receive just one point per dollar spent. o, for a card that has no annual fee, I really like the fact that it is possible to earn quite a decent signup bonus, receive access to a 0% intro APR for the first 12 months, and also earn up to 100,000 points via its two times points earnings on any category.
American Express Business Green Reward Card
- Welcome Bonus: 15,000 points
- Annual Fee: $95
- Regular APR: 19.49% – 28.49% variable
- Credit Score: Excellent Credit (750 – 850)
This card is great for anybody who has recently just started a business Amex corporate card and is looking for a way to start getting some extra value out of their everyday business expenses. This is helpful when you are first starting a business, as it provides you with the ability to receive interest-free financing.
This allows you to pay for things such as new inventory for your business and then pay it off over time without incurring any interest. Now, it is possible to earn 50,000 membership reward points if you can manage to spend $8,000 in purchases within the first three months of opening the account.
This will require an average spend of around $670 a week for the first three months of card ownership to actually receive the signup bonus. Now, based on membership reward points being worth one cent per point when redeemed through American Express Travel, you are looking at a value of $500. But when redeemed through Flying Blue, as I showed you before, it is possible to earn upwards of 4.5 cents per point, meaning the signup bonus is worth $2,250.
It depends on what flights are available at the time you make the booking. Now, in terms of benefits, the American Express Blue Business Plus card only really offers the 0% intro APR. But this can be helpful depending on what your current situation is with your business.
Now, this is limited to $50,000 per year, which works out to be 100,000 points. Once you meet this limit, all spending that you make on the card will receive just one point per dollar spent. So, for a card that has no annual fee, I really like the fact that it is possible to earn quite a decent signup bonus, receive access to a 0% intro APR for the first 12 months, and also earn up to 100,000 points via its two times points earnings on any category.
American Express Business Gold Card
- Welcome Bonus: Earn 125,000 points
- Annual Fee: $375¤
This card steps up the annual fee to $375, which is a lot more than what the Amex Business Green Rewards card is charging. But this card offers a lot more value than the two previous cards. It is possible to earn 125,000 membership reward points if you can manage to spend $10,000 on the card over the first three months of card ownership.
That’s a spend of $2,000 more than what the Amex Blue Business Plus card requires, but you receive 75,000 additional points with the Amex Gold Business card. It’s a spend of around $835 per week for 12 weeks, which is a fair amount of money. Then based on a points value of one cent per point for transfers made through Amex travel, you were looking at a value of $1,250.
Now, seeing that this card has a rather hefty annual fee of $375, it’s good to know that it has a few benefits that can help offset this fee.
The first benefit is a $240 flexible business credit, and this is provided to you in $20 allotments each month over the year. This can be used at the following businesses: FedEx, Office Supply Store, and Grubhub. One thing that would make this benefit better is if you could use the entire credit all in one go. There is then a $155 Walmart Plus credit, which is good if you do shop at Walmart.
It is possible to earn four times points from two different categories that your business spends the most on each billing cycle. These two categories can be chosen from a total of six overall categories, which are purchases made through US media providers for advertising, purchases made at electronic goods retailers or software and cloud system providers, purchases made at US restaurants, which include takeout and delivery, gas station purchases, general transit purchases, and then monthly wireless telephone services from US-based companies.
Now, the four times points earnings are capped at a total spend of $150,000 each coming year, which works out to be 600,000 membership reward points. If and when you do meet this cap, these purchases will then only earn you one point per dollar spent. Now, it is possible to earn three times points for flights and prepaid hotels that are booked through amextravel.com.
Then, all other purchases that are made on the card will earn one point per dollar spent. So, as you can see, the Amex business gold card has a much better points-earning potential than both the Amex green and blue business cards. If you can justify the $375 annual fee and make use of the benefits on offer, then this card offers a ton of potential value.
American Express Business Platinum Card
- Welcome Bonus: Earn 150,000 points
- Annual Fee: $695
- Regular APR : 19.49% – 28.49% Variable
- Credit Score: Good,Excellent (700 – 749)
