Are you considering getting an American Express card but unsure which one suits your needs and preferences? With so many options available, it can be overwhelming to choose the right one. Thankfully, we’ve done the research for you and compiled a comprehensive review of American Express cards to help you make an informed decision.
Credit cards have become an essential tool in today’s financial landscape, offering various perks and rewards. American Express is one of the most recognized and esteemed credit card issuers. However, different American Express cards cater to different lifestyles and spending habits.
In this article, we will analyze and compare the various American Express cards available, highlighting their features, benefits, fees, and limitations. By the end, you will have a clear understanding of which American Express card aligns with your specific wants and needs. So, if you’re ready to enhance your financial life with an American Express card, keep reading!
American Express® Business Credit Cards
Get 0% Intro APR on purchases for 12 months from the date of account opening. Terms Apply – American Express.
Business Gold Card – American Express
$295 Annual Fee¤
4X points that adjust to your spending.‡
Solutions to meet business needs
Solutions to meet business needs
- 4X points on 2 select categories where you spend most each month, up to the first $150K in combined spend. 1X points on purchases thereafter.‡
- Add Employee Cards to earn rewards‡ on eligible employee purchases and stay on top of expenses with spending limits‡, alerts, and summary reports. The Business Gold Card offers an Employee Card option with no annual fee.
- Flexibility to pay eligible charges over time with interest, or pay your full balance, whichever is best for your business‡
- APR on purchases will be a variable rate, 14.24% – 22.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Blue Business CashTM Card – American Express
$0 Annual Fee¤
Best for business owners seeking simple automatic cash back
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.‡
- 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤
$0 Annual Fee¤
Fuel your vision with 2x points‡
- Earn 2x Membership Rewards® points on everyday business purchases up to $50K with no category restrictions‡
- 1X Points on purchases thereafter‡
- 0.0% introductory APR on purchases for 12 months from the date of account opening. After that your APR will be a variable rate, 13.24% – 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤
$595 Annual Fee¤
Enjoy premium travel experiences and elevate your business rewards potential.
- Get 5X Membership Rewards® points on flights and prepaid hotels booked at amextravel.com‡
- 50% more points on each eligible purchases of $5,000 or more (that’s an extra half point per dollar). Up to 1 million additional points per calendar year.‡
- Choose from a great selection of offers for your business purchases with Amex Offers
$0 intro annual fee for the first year, then $250†¤
Built in flexibility to help you manage your cash flow
- Get unlimited 1.5% cash back on the amount paid within 10 days of your statement closing date. Just pay your Minimum Payment Due by your Payment Due Date and see the discount applied to your next statement.‡
- Keep your cash when you need it with up to 60 days to pay.‡
- Employee Plum Cards at no additional annual fee.‡
Business Green Rewards Card – American Express
$0 intro annual fee for the first year, then $95†¤
Rewards and purchasing power
- Flexible spending limit that can adjust over time‡
- Expense management solutions designed to give companies more control and a clearer picture of business spending
- Track and manage employee spending with no additional fee for Employee Business Green Rewards Cards‡
- 2X Membership Rewards® points for each dollar you spend on eligible purchases at amextravel.com‡ and 1X points for each dollar you spend on eligible purchases‡
Amazon Business Card – American Express
$0 Annual Fee¤
Succeed on your terms with flexibility and control
- 3% Back or 60 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market‡
- APR on purchases will be a variable rate, 14.24% – 22.24%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Amazon Business Prime Card – American Express
$0 Annual Fee¤
Access enhanced benefits with an eligible Prime membership
- 5% Back or 90 Day Terms on U.S. purchases at Amazon Business, AWS, Amazon.com and Whole Foods Market with an eligible Prime membership‡
- APR on purchases will be a variable rate, 14.24% – 22.24%, based on your creditworthiness and other factors as determined at the time of account opening.
$0 Annual Fee¤
The Card that rewards you for shopping at Lowe’s
- 5% off everyday at Lowe’s on eligible purchases‡
- Earn points redeemable for gift cards‡
- 0.0% introductory APR on purchases for 6 months from the date of account opening. After that your APR will be a variable rate, 15.74% – 24.74%, based on your creditworthiness and other factors as determined at the time of account opening.¤
$250 Annual Fee¤
Elevate Every Step of Your Journey
- Earn 3X Miles on Delta purchases and on eligible hotel purchases‡
- Board early, secure a spot for your carry-on, and enjoy plenty of time to settle in before takeoff on your next Delta flight.‡
- APR on purchases will be a variable rate, 15.74% – 24.74%, based on your creditworthiness and other factors as determined at the time of account opening.¤
$0 intro annual fee for the first year, then $99†¤
Get More Out of Your Getaways
- Earn 2 miles for every dollar spent on eligible purchases made directly with Delta, eligible U.S. purchases for Shipping and Advertising and at restaurants‡
- Take $100 off your next Delta flight – after you spend $10,000 in purchases on your Card in a calendar year, you will earn a $100 Delta Flight Credit to use toward future travel.‡
- APR on purchases will be a variable rate, 15.74% – 24.74%, based on your creditworthiness and other factors as determined at the time of account opening.
$95 annual fee¤
Travel with rewards that go beyond business
- Earn 12X per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
- Complimentary Gold Status‡
- APR on purchases will be a variable rate, 15.74% – 24.74%, based on your creditworthiness and other factors as determined at the time of account opening.¤
$550 Annual Fee¤
Unlock the Ultimate Travel Experience
- With Status Boost, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card in a calendar year, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.‡
- Earn 3X Miles on Delta purchases‡
- APR on purchases will be a variable rate, 15.74% – 24.74%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Marriott Bonvoy BusinessTM Card – American Express
$125 Annual Fee¤
Make business purchases even more rewarding
- Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at over 7,000 participating Marriott Bonvoy hotels.‡
- 4x Marriott Bonvoy points at select business categories‡
- APR on purchases will be a variable rate, 15.74% – 24.74%, based on your creditworthiness and other factors as determined at the time of account opening.¤