Best American Express Business Cards of January 2025

Other Delta business credit cards

• Delta SkyMiles® Platinum Business American Express Card

Other Amazon business credit cards

• Amazon Business American Express Card

Other business credit cards

• Business Green Rewards Card from American Express
• Lowe's Business Rewards Card from American Express
• The Plum Card® from American Express

• Spend on travel — and like to go in style. In general, American Express’s travel business credit cards offer generous rewards on travel spending, and its co-branded cards with Delta, Hilton and Marriott Bonvoy are good fits if you’re loyal to those brands. But the highlight is

  The Business Platinum Card® from American Express

  . That card comes with a hefty annual fee: $

  695

  . But with credits toward airline fees and TSA Precheck or Global Entry — and perks like automatic hotel elite status, concierge service and lounge access — frequent travelers can get their money’s worth. 
• Want no annual fee and simple rewards.

  The American Express Blue Business Cash™ Card

  comes with straightforward

  1%-2%

  cash back. It's one of our picks for the best cash-back business credit cards. If you prefer points,

  The Blue Business® Plus Credit Card from American Express

  offers

  1x-2x

  of those per dollar spent instead. NerdWallet values AmEx points at between 1 and

  1.2

  cents each. 
• Will take advantage of a long intro APR period.

  The American Express Blue Business Cash™ Card

  offers

  0% intro APR on Purchases for 12 months, and then the ongoing APR of 17.49%-25.49% Variable APR

  , and

  The Blue Business® Plus Credit Card from American Express

  matches it. That's longer than many business credit cards with 0% APR intro periods.  
• Want more purchasing power. Multiple American Express business credit cards have no preset spending limit, including

  The Plum Card® from American Express

  ,

  The Business Platinum Card® from American Express

  and the

  American Express® Business Gold Card

  . The limits on these cards adjust depending on your purchase, payment and credit history, making them a good potential fit if you're looking for a high-limit business credit card.

• Budget-conscious international travelers. While American Express travel cards don't charge foreign transaction fees, most come with hefty annual fees.

  The Business Platinum Card® from American Express

  , for example, carries a

  $695

  annual fee. The

  Chase Ink Business Preferred

  is a great alternative, with no foreign transaction fees, a much smaller annual fee ($

  95

  ) and elevated rewards on travel, among other categories:

  Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases - with no limit to the amount you can earn

  .
• Want no caps on cash back. With

  The American Express Blue Business Cash™ Card

  , you’ll earn 2% cash back on only your first $50,000 in spending. After that, the rewards rate drops to 1%. If your business spends more than that, consider the

  Capital One Spark Cash

  card — which pays

  2

  % cash back with no limit. That card does have an annual fee, but it's waived the first year. (See rates and fees.)
• Don't have good-to-excellent personal credit. American Express is hardly alone in requiring a personal FICO score of at least 690; that's the starting point for most business credit cards. However, other big-name issuers offer options for entrepreneurs with thin or poor personal credit. For instance, the

  Capital One® Spark® Classic for Business

  is one of a few business credit cards for fair credit (typically a FICO score between 630 and 690). For those with a score below that threshold, a secured business credit card like the Bank of America® Business Advantage Unlimited Cash Rewards Mastercard® Secured credit card can help your business establish credit.