Business Credit Cards

Best American Express Business Credit Cards To Grow Your Business In 2024

February 7, 2024
|
15
Min Read
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In this Article

Running a small business is exhilarating, but managing expenses can feel like a juggling act. That's where American Express Business Cards step in, transforming your daily grind into a rewarding quest. Beyond the legendary Amex perks, you can now unlock a secret weapon: virtual cards. Linked to your existing Amex credit line, they offer unparalleled control and security for every purchase, big or small.

Imagine empowering employees with secure, on-demand virtual cards for specific expenses. Track every dime instantly, say goodbye to tiresome expense reports, and breathe easier knowing fraud is in check. Plus, you still reap all the rewards, points, and perks that come with your chosen Amex card. It's the ultimate win-win: control, security, and rewards, all on autopilot.

So, are you ready to ditch the juggling act and take your small business to the next level? Let’s dive into the world of Amex Business Cards and discover how virtual cards can supercharge your journey. Because when it comes to business, control is king, and Amex gives you the crown.

The Best American Express Business Cards

A Federal Tool Could Soon Make It Easier to Compare Credit Cards - The New  York Times
Source: The New York Times

Navigating the maze of American Express Business Cards can be daunting. But fear not, entrepreneurs! This guide cuts through the noise, highlighting the top picks based on a trifecta of factors: rewards that fuel your business, annual fees that fit your budget, and benefits that empower your hustle. 

Whether you're a mileage maven, a cash-back champion, or a travel warrior, we’ll help you find a card that'll make your business soar. 

Quick Overview: The Best Amex Business Credit Cards

Quick Overview: The Best Amex Business Credit Cards

The Best Amex Business Cards To Grow Your Business

The American Express Blue Business Cash™ Card

Want to start a business without sacrificing rewards? The Amex Blue Business Cash™ Card fuels your growth with a flat 2% cash back on every transaction, all while keeping your costs low. No annual fee, just pure cashback magic.

  • Best for: Small businesses with low monthly spending who want straightforward cash back without an annual fee.
  • Rewards: 1%-2% on all eligible purchases, on up to $50K in purchases
  • Welcome bonus: Earn a $250 statement credit once you spend $3000 in purchases on your card within the first three months. 
  • Annual fee: None.
  • Credit score needed: Good/excellent.

The Blue Business® Plus Credit Card from American Express

Want Amex points without the annual fee? The Blue Business® Plus Credit Card delivers! Earn flat-rate points on all purchases with zero annual fees, making it a fantastic choice for small businesses and side hustlers who prefer the flexibility of Membership Rewards.

  • Best for: Small businesses seeking an affordable card with point rewards and 0% intro APR for larger purchases or debt payoff.
  • Rewards: Earn 1- 2x membership Rewards points per dollar spent. Points can be transferred to travel partners, redeemed for merchandise or statement credits, etc.
  • Welcome bonus: Earn 15,000 membership reward points after spending $3,000 in the first 3 months.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

Delta SkyMiles® Reserve American Express Business Card

Frequent Delta flyer? The Delta SkyMiles® Reserve Amex Business Card is your MVP. This card boasts lounge access, a companion certificate, and elite status perks for $550 a year, making it a Delta devotee's dream.

  • Best for: Frequent Delta flyers who want premium travel benefits and accelerated Medallion® status.
  • Rewards: Earn 3x SkyMiles per dollar spent at Delta and on car rentals & hotels, 1x SkyMiles on all other purchases.
  • Welcome bonus: Earn 70,000 bonus SkyMiles after spending $5,000 in the first 3 months.
  • Annual fee: $550.
  • Credit score needed: Excellent.

Delta SkyMiles® Platinum American Express Business Card

Running a small business and flying Delta regularly? Consider the Delta SkyMiles® Platinum Amex Business Card. For $250, you'll enjoy valuable travel perks that can make your business trips a breeze, without breaking the bank.

  • Best for: Regular Delta flyers who want airport lounge access, bonus miles, and a potential companion pass for business travel.
  • Rewards: Earn 3x SkyMiles per dollar spent at Delta and on car rentals & hotels, 1x SkyMiles on all other purchases.
  • Welcome bonus: Earn 60,000 bonus SkyMiles after spending $3,000 in the first 3 months.
  • Annual fee: $250.
  • Credit score needed: Good/excellent.

Delta SkyMiles Gold Business American Express Card 

Delta miles on a budget? The Delta SkyMiles® Gold Amex Business Card is your wingman, offering Delta perks without the hefty price tag. No annual fee for the first year, then just $99, making it the most wallet-friendly option for Delta-loving entrepreneurs.

  • Best for: Occasional Delta flyers who want no foreign transaction fees and some bonus miles on Delta purchases.
  • Rewards: Earn 2x SkyMiles per dollar spent at Delta and on car rentals & hotels, 1x SkyMiles on all other purchases.
  • Welcome bonus: Earn 60,000 bonus SkyMiles after spending $2,000 in the first 3 months.
  • Annual fee: $0 intro annual fee for the first year, then $99.
  • Credit score needed: Good/excellent.

American Express Lowe's Business Rewards Card 

Hitting Lowe's every other week? The Lowe's Business Rewards Card with no annual fee can be your perfect companion. Get 5% off eligible purchases (and potential rewards on other spending) – making those project costs melt away.

  • Best for: Businesses that frequently shop at Lowe's for materials and supplies.
  • Rewards: 5% Off Every Day at Lowe's on eligible purchases.
  • Welcome bonus: Earn $100 cash back after approval.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

Hilton Honors American Express Business Card

Frequent business traveler? Consider the Hilton Honors Amex Business Card. For $95, you'll enjoy ongoing rewards, automatic elite status, and access to Hilton's world of benefits – ideal for small businesses on the move.

  • Best for: Businesses that travel frequently and want to earn Hilton Honors points and elite status for hotel stays.
  • Rewards: 12X Points per dollar for purchases made directly with hotels and resorts in the Hilton network, 3X Points per dollar on other purchases.
  • Welcome bonus: Earn 130,000 Hilton Honors points after spending $3,000 in the first 3 months.
  • Annual fee: $95.
  • Credit score needed: Good/excellent. 

Marriott Bonvoy™ Business Card

Marriott devotee with a business? The Marriott Bonvoy Business Amex card is your budget-friendly best friend. Earn a free night annually (easily covering the $125 annual fee) and enjoy exclusive perks, all without the luxury card price tag.

  • Best for: Businesses that travel frequently and want to earn Marriott Bonvoy points and elite status for hotel stays.
  • Rewards: 6X points per dollar on eligible purchases at hotels in the Marriott program, 4X points per dollar on eligible purchases at restaurants worldwide,  U.S. gas stations, and U.S. purchases for shipping.
  • Welcome bonus: 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points, after spending $6,000 in the first 6 months.
  • Annual fee: $125.
  • Credit score needed: Good/excellent.

Amazon Business American Express Card 

Do you heavily rely on Amazon? Then, the Amazon Business American Express Card is the perfect fit for entrepreneurs, small businesses, and side hustlers who want a simple, effective way to earn on every purchase, without the annual fee fuss.

  • Best for: Businesses that make frequent purchases on Amazon Business.
  • Rewards: Earn 3% back on eligible Amazon Business purchases, 2% Back at U.S. restaurants, and at U.S. gas stations, and 1% Back on other purchases.
  • Welcome bonus: Get a $100 Amazon Gift Card upon approval.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

Amazon Business Prime American Express Card 

Want to fuel your Amazon-powered business? The Amazon Business Prime Amex card unlocks either boosted rewards on Amazon purchases or a sweet interest-free grace period – the choice is yours. 

  • Best for: Businesses with an Amazon Prime membership who make frequent Amazon Business purchases.
  • Rewards: Earn 5% back on eligible Amazon Business purchases,  2% Back at U.S. restaurants, and at U.S. gas stations, and 1% Back on other purchases.
  • Welcome bonus: Get a $125 Amazon.com gift card upon approval.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

The Business Platinum Card® from American Express

Looking for simplifying travel and maximize rewards? The Business Platinum Amex makes it happen. At $695 a year, it unlocks a world of travel conveniences, from lounge access and credits to top-tier rewards. Ideal for busy pros who prioritize efficient and rewarding business trips.

  • Best for: High-spending businesses seeking premium travel and lifestyle perks, valuable statement credits, and flexible point rewards.
  • Rewards: Earn 5x Membership Rewards® points on flights booked directly with airlines or on select car rentals,1x points on all other purchases. Points can be transferred to travel partners, redeemed for merchandise or statement credits, etc.
  • Welcome bonus: Up to 120,000 points after spending $15,000 in qualifying purchases within the first 3 months (terms and conditions apply).
  • Annual fee: $695.
  • Credit score needed: Excellent.

American Express® Business Gold Card

Hate juggling expense categories? The American Express® Business Gold Card automatically rewards you most in your top two spending areas each month, picked from six categories. No need to choose or opt in, just swipe and watch the rewards pile up.

  • Best for: Businesses that spend significantly on airfare, dining, and hotels and want flexible point rewards and travel credits.
  • Rewards: Earn 4x Membership Rewards® points on your top 2 eligible categories, 3x points on flights and prepaid-hotels, 1x points on all other purchases. Points can be transferred to travel partners, redeemed for merchandise or statement credits, etc.
  • Welcome bonus: Up to 70,000 points after spending $10,000 on eligible purchases in the first 3 months (terms and conditions apply).
  • Annual fee: $295. ($375 if the application is received on or after 2/1/24)
  • Credit score needed: Good/excellent.

Business Green Rewards Card from American Express

Want better flexibility in spending? The American Express Business Green Rewards Card’s flexibility appeals to some entrepreneurs. Membership Rewards points offer travel perks for business owners, and the absence of a preset spending limit grants breathing room for high spenders.

  • Best for: Businesses prioritizing sustainability and seeking flexible point rewards alongside travel insurance and carbon offsetting features.
  • Rewards: Earn 2x Membership Rewards® points on prepaid-flights and hotels, 1x points on all other purchases. 
  • Welcome bonus: Up to 15,000 points after spending $3,000 in the first 3 months (terms and conditions apply).
  • Annual fee: $95.
  • Credit score needed: Good/excellent.

The Plum Card From American Express

Uneven income? The Plum Card® Amex is your cash flow lifeline. Unlike typical business cards, it rewards you for early payments and offers grace periods for delayed ones, helping you navigate fluctuating income and keep your business afloat.

  • Best for: Businesses looking for employee reward programs, fraud protection, and flexible point accumulation.
  • Rewards: Earn unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date.
  • Welcome bonus: Up to 75,000 points after spending $7,500 in the first 3 months (terms and conditions apply).
  • Annual fee: $250.
  • Credit score needed: Good/excellent.

Why Should You Get An American Express Business Credit Card?

Travel Rewards Cards: How to Maximize Points, Perks and Miles - The New  York Times
Source: The New York Times
  1. Travel in Style, Earn in Style: Amex isn't just for jet-setters. Delta, Hilton, and Marriott co-branded cards let you rack up points while staying loyal to your favorite brands. Imagine racking up Hilton Honors like a pro or scoring sweet Delta upgrades, all while earning rewards for your business. The Business Platinum Card® takes it up a notch with global lounge access, statement credits, and premium travel perks that make every trip first-class.
  2. Keep It Simple, Reap the Rewards: Keep it simple with the Blue Business Cash™ Card, your 1%-2% cash back hero on everything. No hoops, no points of confusion, just pure, sweet cash back to fuel your business growth. Want points flexibility? The Blue Business® Plus Card offers 1x-2x points per dollar, letting you choose your reward adventures. 
  3. Take Flight with 0% APR: Launching a new project? Need a financial runway? The Blue Business Cash™ and Blue Business® Plus Cards offer a generous 12-month 0% APR on purchases. Breathe easy as your business takes off, free from interest burdens.
  4. Flex Your Financial Muscle: Forget preset spending limits! The Plum Card®, The Business Platinum Card®, and the American Express® Business Gold Card adjust to your business. These dynamic cards grow with you, adapting to your spending habits and credit history. So, if you need serious purchasing power, Amex has your back (and wallet).

But that’s not all…

You can now generate virtual cards on demand directly linked to your existing Amex credit line! But how?

Fyle: Your Amex Superpower For Smarter Spending

Fyle's integration with American Express Business Credit Cards for better credit card expense management.
*Enrollment required and fees may apply

Tired of juggling physical cards and chasing employees for receipts? Ditch the hassle with Fyle's seamless integration with American Express Business Cards. You can now connect your Amex business cards to Fyle to track spend, instantly collect and match receipts, and automatically code expenses without being dependent on bank feeds. Here's how it fuels your business:

Issue Unlimited Virtual Cards For Any Expense

Create cards with a purpose. Want to pay a vendor? Stick to a budget? Subscribe to a software? Or fuel an employee trip? You decide, and Fyle delivers with virtual cards tailored to your every need. 

Set spending limits and choose validity periods for each Amex virtual card, ensuring you never overshoot your budget or leave open loops for misuse. All linked to your existing Amex credit line. 

Receipt Chase? Never Again! 

Employees can text their receipts to Fyle for their credit card expenses. Fyle will check if there's a matching card expense and automatically match it with the transaction. This enables accountants to collect receipts 5x faster without the endless chases and headaches. 

Reconciliation? Instant! 

Say goodbye to manual reconciliation. Fyle automatically matches expenses to receipts as soon as your employee sends them, keeping your books updated in real-time. 

Expense Tracking Made Easy

Monitor employee spending live through intuitive dashboards. Spot trends, make smarter decisions, and budget like a pro.

Fraud? Not On Your Watch! 

Single-use virtual cards and instant spend alerts keep the bad guys out. Sleep soundly, knowing your finances are protected; even your physical card number remains hidden, adding an extra layer of security.

FAQs

How Does Fyle’s Integration With Amex Business Credit Cards Work?

Fyle’s integration with Amex involves the ability to directly connect existing Amex cards for Fyle’s issuing of virtual Cards. 

What Is A Virtual Card?

A virtual card is like a secret card number that's generated in a digital format and is associated with the account holder’s line of credit (like a physical card without the actual “card”). 

A user can enter this 16-digit credit card number upon online checkout and the transaction then appears on the account statement just as if a physical credit card had made the transaction.

How Many Virtual Cards Can Be Created On A Basic Amex Business Credit Card?

There is no limit on the number of virtual cards issued against the basic card. They can be issued as needed.

Are Virtual Cards Secure For Transactions?

When users use Amex virtual cards for a purchase, the physical Card details are never shared with the merchant. This enhances security for the cards and removes the exposure to fraudulent activities or theft. This provides a high level of protection in the event of a data breach.

Do I Still Get Reward Points On Virtual Card Spend?

The virtual card user does not get any of the rewards/cashback against the virtual card itself. However, all benefits of the enrolled funding card program in place with Amex, whether it be rewards, rebates, cashback, etc., are earned for all transactions created with the Virtual Card.

Conclusion

Fyle isn't just the best way to manage your Amex Business Card; it's the key to unlocking its true potential. Tame spending, automate tasks, and gain real-time control – all with a few clicks. Sign up for a demo today to see how Fyle can supercharge your Amex Cards!

Business Credit Cards

Best American Express Business Credit Cards To Grow Your Business In 2024

February 7, 2024
|
15
Min Read

Running a small business is exhilarating, but managing expenses can feel like a juggling act. That's where American Express Business Cards step in, transforming your daily grind into a rewarding quest. Beyond the legendary Amex perks, you can now unlock a secret weapon: virtual cards. Linked to your existing Amex credit line, they offer unparalleled control and security for every purchase, big or small.

Imagine empowering employees with secure, on-demand virtual cards for specific expenses. Track every dime instantly, say goodbye to tiresome expense reports, and breathe easier knowing fraud is in check. Plus, you still reap all the rewards, points, and perks that come with your chosen Amex card. It's the ultimate win-win: control, security, and rewards, all on autopilot.

So, are you ready to ditch the juggling act and take your small business to the next level? Let’s dive into the world of Amex Business Cards and discover how virtual cards can supercharge your journey. Because when it comes to business, control is king, and Amex gives you the crown.

The Best American Express Business Cards

A Federal Tool Could Soon Make It Easier to Compare Credit Cards - The New  York Times
Source: The New York Times

Navigating the maze of American Express Business Cards can be daunting. But fear not, entrepreneurs! This guide cuts through the noise, highlighting the top picks based on a trifecta of factors: rewards that fuel your business, annual fees that fit your budget, and benefits that empower your hustle. 

Whether you're a mileage maven, a cash-back champion, or a travel warrior, we’ll help you find a card that'll make your business soar. 

Quick Overview: The Best Amex Business Credit Cards

Quick Overview: The Best Amex Business Credit Cards

The Best Amex Business Cards To Grow Your Business

The American Express Blue Business Cash™ Card

Want to start a business without sacrificing rewards? The Amex Blue Business Cash™ Card fuels your growth with a flat 2% cash back on every transaction, all while keeping your costs low. No annual fee, just pure cashback magic.

  • Best for: Small businesses with low monthly spending who want straightforward cash back without an annual fee.
  • Rewards: 1%-2% on all eligible purchases, on up to $50K in purchases
  • Welcome bonus: Earn a $250 statement credit once you spend $3000 in purchases on your card within the first three months. 
  • Annual fee: None.
  • Credit score needed: Good/excellent.

The Blue Business® Plus Credit Card from American Express

Want Amex points without the annual fee? The Blue Business® Plus Credit Card delivers! Earn flat-rate points on all purchases with zero annual fees, making it a fantastic choice for small businesses and side hustlers who prefer the flexibility of Membership Rewards.

  • Best for: Small businesses seeking an affordable card with point rewards and 0% intro APR for larger purchases or debt payoff.
  • Rewards: Earn 1- 2x membership Rewards points per dollar spent. Points can be transferred to travel partners, redeemed for merchandise or statement credits, etc.
  • Welcome bonus: Earn 15,000 membership reward points after spending $3,000 in the first 3 months.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

Delta SkyMiles® Reserve American Express Business Card

Frequent Delta flyer? The Delta SkyMiles® Reserve Amex Business Card is your MVP. This card boasts lounge access, a companion certificate, and elite status perks for $550 a year, making it a Delta devotee's dream.

  • Best for: Frequent Delta flyers who want premium travel benefits and accelerated Medallion® status.
  • Rewards: Earn 3x SkyMiles per dollar spent at Delta and on car rentals & hotels, 1x SkyMiles on all other purchases.
  • Welcome bonus: Earn 70,000 bonus SkyMiles after spending $5,000 in the first 3 months.
  • Annual fee: $550.
  • Credit score needed: Excellent.

Delta SkyMiles® Platinum American Express Business Card

Running a small business and flying Delta regularly? Consider the Delta SkyMiles® Platinum Amex Business Card. For $250, you'll enjoy valuable travel perks that can make your business trips a breeze, without breaking the bank.

  • Best for: Regular Delta flyers who want airport lounge access, bonus miles, and a potential companion pass for business travel.
  • Rewards: Earn 3x SkyMiles per dollar spent at Delta and on car rentals & hotels, 1x SkyMiles on all other purchases.
  • Welcome bonus: Earn 60,000 bonus SkyMiles after spending $3,000 in the first 3 months.
  • Annual fee: $250.
  • Credit score needed: Good/excellent.

Delta SkyMiles Gold Business American Express Card 

Delta miles on a budget? The Delta SkyMiles® Gold Amex Business Card is your wingman, offering Delta perks without the hefty price tag. No annual fee for the first year, then just $99, making it the most wallet-friendly option for Delta-loving entrepreneurs.

  • Best for: Occasional Delta flyers who want no foreign transaction fees and some bonus miles on Delta purchases.
  • Rewards: Earn 2x SkyMiles per dollar spent at Delta and on car rentals & hotels, 1x SkyMiles on all other purchases.
  • Welcome bonus: Earn 60,000 bonus SkyMiles after spending $2,000 in the first 3 months.
  • Annual fee: $0 intro annual fee for the first year, then $99.
  • Credit score needed: Good/excellent.

American Express Lowe's Business Rewards Card 

Hitting Lowe's every other week? The Lowe's Business Rewards Card with no annual fee can be your perfect companion. Get 5% off eligible purchases (and potential rewards on other spending) – making those project costs melt away.

  • Best for: Businesses that frequently shop at Lowe's for materials and supplies.
  • Rewards: 5% Off Every Day at Lowe's on eligible purchases.
  • Welcome bonus: Earn $100 cash back after approval.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

Hilton Honors American Express Business Card

Frequent business traveler? Consider the Hilton Honors Amex Business Card. For $95, you'll enjoy ongoing rewards, automatic elite status, and access to Hilton's world of benefits – ideal for small businesses on the move.

  • Best for: Businesses that travel frequently and want to earn Hilton Honors points and elite status for hotel stays.
  • Rewards: 12X Points per dollar for purchases made directly with hotels and resorts in the Hilton network, 3X Points per dollar on other purchases.
  • Welcome bonus: Earn 130,000 Hilton Honors points after spending $3,000 in the first 3 months.
  • Annual fee: $95.
  • Credit score needed: Good/excellent. 

Marriott Bonvoy™ Business Card

Marriott devotee with a business? The Marriott Bonvoy Business Amex card is your budget-friendly best friend. Earn a free night annually (easily covering the $125 annual fee) and enjoy exclusive perks, all without the luxury card price tag.

  • Best for: Businesses that travel frequently and want to earn Marriott Bonvoy points and elite status for hotel stays.
  • Rewards: 6X points per dollar on eligible purchases at hotels in the Marriott program, 4X points per dollar on eligible purchases at restaurants worldwide,  U.S. gas stations, and U.S. purchases for shipping.
  • Welcome bonus: 3 Free Night Awards, Worth Up To 150K Total Marriott Bonvoy Points, after spending $6,000 in the first 6 months.
  • Annual fee: $125.
  • Credit score needed: Good/excellent.

Amazon Business American Express Card 

Do you heavily rely on Amazon? Then, the Amazon Business American Express Card is the perfect fit for entrepreneurs, small businesses, and side hustlers who want a simple, effective way to earn on every purchase, without the annual fee fuss.

  • Best for: Businesses that make frequent purchases on Amazon Business.
  • Rewards: Earn 3% back on eligible Amazon Business purchases, 2% Back at U.S. restaurants, and at U.S. gas stations, and 1% Back on other purchases.
  • Welcome bonus: Get a $100 Amazon Gift Card upon approval.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

Amazon Business Prime American Express Card 

Want to fuel your Amazon-powered business? The Amazon Business Prime Amex card unlocks either boosted rewards on Amazon purchases or a sweet interest-free grace period – the choice is yours. 

  • Best for: Businesses with an Amazon Prime membership who make frequent Amazon Business purchases.
  • Rewards: Earn 5% back on eligible Amazon Business purchases,  2% Back at U.S. restaurants, and at U.S. gas stations, and 1% Back on other purchases.
  • Welcome bonus: Get a $125 Amazon.com gift card upon approval.
  • Annual fee: None.
  • Credit score needed: Good/excellent.

The Business Platinum Card® from American Express

Looking for simplifying travel and maximize rewards? The Business Platinum Amex makes it happen. At $695 a year, it unlocks a world of travel conveniences, from lounge access and credits to top-tier rewards. Ideal for busy pros who prioritize efficient and rewarding business trips.

  • Best for: High-spending businesses seeking premium travel and lifestyle perks, valuable statement credits, and flexible point rewards.
  • Rewards: Earn 5x Membership Rewards® points on flights booked directly with airlines or on select car rentals,1x points on all other purchases. Points can be transferred to travel partners, redeemed for merchandise or statement credits, etc.
  • Welcome bonus: Up to 120,000 points after spending $15,000 in qualifying purchases within the first 3 months (terms and conditions apply).
  • Annual fee: $695.
  • Credit score needed: Excellent.

American Express® Business Gold Card

Hate juggling expense categories? The American Express® Business Gold Card automatically rewards you most in your top two spending areas each month, picked from six categories. No need to choose or opt in, just swipe and watch the rewards pile up.

  • Best for: Businesses that spend significantly on airfare, dining, and hotels and want flexible point rewards and travel credits.
  • Rewards: Earn 4x Membership Rewards® points on your top 2 eligible categories, 3x points on flights and prepaid-hotels, 1x points on all other purchases. Points can be transferred to travel partners, redeemed for merchandise or statement credits, etc.
  • Welcome bonus: Up to 70,000 points after spending $10,000 on eligible purchases in the first 3 months (terms and conditions apply).
  • Annual fee: $295. ($375 if the application is received on or after 2/1/24)
  • Credit score needed: Good/excellent.

Business Green Rewards Card from American Express

Want better flexibility in spending? The American Express Business Green Rewards Card’s flexibility appeals to some entrepreneurs. Membership Rewards points offer travel perks for business owners, and the absence of a preset spending limit grants breathing room for high spenders.

  • Best for: Businesses prioritizing sustainability and seeking flexible point rewards alongside travel insurance and carbon offsetting features.
  • Rewards: Earn 2x Membership Rewards® points on prepaid-flights and hotels, 1x points on all other purchases. 
  • Welcome bonus: Up to 15,000 points after spending $3,000 in the first 3 months (terms and conditions apply).
  • Annual fee: $95.
  • Credit score needed: Good/excellent.

The Plum Card From American Express

Uneven income? The Plum Card® Amex is your cash flow lifeline. Unlike typical business cards, it rewards you for early payments and offers grace periods for delayed ones, helping you navigate fluctuating income and keep your business afloat.

  • Best for: Businesses looking for employee reward programs, fraud protection, and flexible point accumulation.
  • Rewards: Earn unlimited 1.5% cash back on eligible charges when you pay within 10 days of your statement closing date.
  • Welcome bonus: Up to 75,000 points after spending $7,500 in the first 3 months (terms and conditions apply).
  • Annual fee: $250.
  • Credit score needed: Good/excellent.

Why Should You Get An American Express Business Credit Card?

Travel Rewards Cards: How to Maximize Points, Perks and Miles - The New  York Times
Source: The New York Times
  1. Travel in Style, Earn in Style: Amex isn't just for jet-setters. Delta, Hilton, and Marriott co-branded cards let you rack up points while staying loyal to your favorite brands. Imagine racking up Hilton Honors like a pro or scoring sweet Delta upgrades, all while earning rewards for your business. The Business Platinum Card® takes it up a notch with global lounge access, statement credits, and premium travel perks that make every trip first-class.
  2. Keep It Simple, Reap the Rewards: Keep it simple with the Blue Business Cash™ Card, your 1%-2% cash back hero on everything. No hoops, no points of confusion, just pure, sweet cash back to fuel your business growth. Want points flexibility? The Blue Business® Plus Card offers 1x-2x points per dollar, letting you choose your reward adventures. 
  3. Take Flight with 0% APR: Launching a new project? Need a financial runway? The Blue Business Cash™ and Blue Business® Plus Cards offer a generous 12-month 0% APR on purchases. Breathe easy as your business takes off, free from interest burdens.
  4. Flex Your Financial Muscle: Forget preset spending limits! The Plum Card®, The Business Platinum Card®, and the American Express® Business Gold Card adjust to your business. These dynamic cards grow with you, adapting to your spending habits and credit history. So, if you need serious purchasing power, Amex has your back (and wallet).

But that’s not all…

You can now generate virtual cards on demand directly linked to your existing Amex credit line! But how?

Fyle: Your Amex Superpower For Smarter Spending

Fyle's integration with American Express Business Credit Cards for better credit card expense management.
*Enrollment required and fees may apply

Tired of juggling physical cards and chasing employees for receipts? Ditch the hassle with Fyle's seamless integration with American Express Business Cards. You can now connect your Amex business cards to Fyle to track spend, instantly collect and match receipts, and automatically code expenses without being dependent on bank feeds. Here's how it fuels your business:

Issue Unlimited Virtual Cards For Any Expense

Create cards with a purpose. Want to pay a vendor? Stick to a budget? Subscribe to a software? Or fuel an employee trip? You decide, and Fyle delivers with virtual cards tailored to your every need. 

Set spending limits and choose validity periods for each Amex virtual card, ensuring you never overshoot your budget or leave open loops for misuse. All linked to your existing Amex credit line. 

Receipt Chase? Never Again! 

Employees can text their receipts to Fyle for their credit card expenses. Fyle will check if there's a matching card expense and automatically match it with the transaction. This enables accountants to collect receipts 5x faster without the endless chases and headaches. 

Reconciliation? Instant! 

Say goodbye to manual reconciliation. Fyle automatically matches expenses to receipts as soon as your employee sends them, keeping your books updated in real-time. 

Expense Tracking Made Easy

Monitor employee spending live through intuitive dashboards. Spot trends, make smarter decisions, and budget like a pro.

Fraud? Not On Your Watch! 

Single-use virtual cards and instant spend alerts keep the bad guys out. Sleep soundly, knowing your finances are protected; even your physical card number remains hidden, adding an extra layer of security.

FAQs

How Does Fyle’s Integration With Amex Business Credit Cards Work?

Fyle’s integration with Amex involves the ability to directly connect existing Amex cards for Fyle’s issuing of virtual Cards. 

What Is A Virtual Card?

A virtual card is like a secret card number that's generated in a digital format and is associated with the account holder’s line of credit (like a physical card without the actual “card”). 

A user can enter this 16-digit credit card number upon online checkout and the transaction then appears on the account statement just as if a physical credit card had made the transaction.

How Many Virtual Cards Can Be Created On A Basic Amex Business Credit Card?

There is no limit on the number of virtual cards issued against the basic card. They can be issued as needed.

Are Virtual Cards Secure For Transactions?

When users use Amex virtual cards for a purchase, the physical Card details are never shared with the merchant. This enhances security for the cards and removes the exposure to fraudulent activities or theft. This provides a high level of protection in the event of a data breach.

Do I Still Get Reward Points On Virtual Card Spend?

The virtual card user does not get any of the rewards/cashback against the virtual card itself. However, all benefits of the enrolled funding card program in place with Amex, whether it be rewards, rebates, cashback, etc., are earned for all transactions created with the Virtual Card.

Conclusion

Fyle isn't just the best way to manage your Amex Business Card; it's the key to unlocking its true potential. Tame spending, automate tasks, and gain real-time control – all with a few clicks. Sign up for a demo today to see how Fyle can supercharge your Amex Cards!

Effortless expense management for all business spends. Earned time, saved costs, improved productivity, happy employees - achieve it all with a single software.

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