Calculator: 7 Best American Express Business Cards

American Express offers several business credit cards that earns valuable rewards. Get our best picks and calculate rewards based on your business spend.

The Point Calculator's top picks for the 7 best American Express business credit cards are:

  • American Express® Business Gold Card
  • The Blue Business® Plus Credit Card from American Express
  • The Business Platinum Card® from American Express
  • American Express Blue Business Cash™ Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Marriott Bonvoy Business™ American Express® Card
  • The Hilton Honors American Express Business Card

American Express® Business Gold Card

The American Express® Business Gold Card is one of the best business credit cards on the market for earning rewards. It earns 4 Membership Rewards Points per $1 spent on two select categories your business spends the most each month. On top of that, the AMEX Business Gold Card offers a 25% airline rebate which bumps up the value of Membership Rewards Points for airfare redemptions made on the American Express Travel Portal. Points can also be transferred to AMEX's airline and hotel partners which can be great for any business looking to save money.

American Express® Business Gold Card
Rewards Rate
  • Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month; Applies to the first $150,000 in combined purchases from these 2 categories each calendar year
  • Get 1X on all other purchases.
Intro Bonus
Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.
Annual Fee
$295
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
  • Earn up to $300 in statement credits on eligible U.S. advertising and U.S. shipping purchases.
  • Pay Over Time Option: A flexible payment option with interest to help manage cash flow on purchases of $100 or more.

The Blue Business® Plus Credit Card from American Express

The Blue Business Plus Card earns 2 Membership Rewards Points per $1 spent on the first $50,000 in purchases made during the calendar year. If you're looking to build rewards towards business travel, this is a great card to have. It's one of the best small business credit cards and it pairs well with any Membership Rewards credit card to ensure your business is getting the most of every $1 spent.

The Blue Business® Plus Credit Card from American Express
Rewards Rate
  • Earn 2X Membership Rewards® points on all eligible purchases on up to $50,000 per calendar year, then 1X for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors at account opening.

The Business Platinum Card® from American Express

If you want you and your employees to experience top notch travel, The Business Platinum Card is the best business card option. Outside of earning a whopping 5 Membership Rewards Points per $1 spent on airfare and hotel purchases made through the American Express Travel Portal, the card is loaded with elite travel benefits that can make business travel feel like a vacation. One of the best benefits is the AMEX Global Lounge Collection which allows you to enter American Express Centurion Lounges, Priority Pass Lounges, Delta SkyClub Lounges (when flying Delta), Airspace Lounges, and Escape Lounges. In addition to that the card offers a significant amount of annual credits that save your business money such as the $200 airline incidental credit and $200 in Dell credit. It also offers a 35% airline rebate which saves you points and adds lots of value to the card. And the cherry on top is that employee Platinum Cards added to the account will also get to experience most of these benefits.

Note: The Business Platinum Card is a card for benefits. You'll want to heavily consider the benefits of the card over just the points you can earn running spend through it.

The Business Platinum Card® from American Express
Rewards Rate
  • Earn 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com
  • Get 50% more Membership Rewards® points on each eligible purchase of $5,000 or more. That's an extra half point per dollar. You can get up to 1 million additional points per year
  • Earn 1X Membership Rewards® point on all other purchases
Intro Bonus
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Platinum Card within the first 3 months of Card Membership.
Annual Fee
$595
Authorized User Fee
$300 for each additional Business Platinum Card
Foreign Transaction Fee
0%
Main Card Highlights
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year when you book on amextravel.com.
  • Enroll to get up to $200 in statement credits annually by getting up to $100 semi-annually for U.S. purchases with Dell. Terms apply.
  • Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more.

American Express Blue Business Cash™ Card

The AMEX Blue Business Cash Card is one of the best small business credit cards on the market. It earns 2% cash back on the first $50,000 in purchases made during the calendar year, then 1% for the rest of the year. The AMEX Blue Business Cash Card is a great alternative to the Blue Business Plus Card if you would rather use your rewards towards statement credits and not be stuck redeeming rewards towards airfare or transferring points for maximum value.

American Express Blue Business Cash™ Card
Rewards Rate
  • Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1% for the remainder of the calendar year.
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
2.7%
Main Card Highlights
  • The power to spend beyond your credit limit with Expanded Buying Power which adjusts with your use of the Card, your payment history, credit record, financial resources known to AMEX and other factors.
  • 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 13.24% - 19.24%, based on your creditworthiness and other factors as determined at the time of account opening.

Delta SkyMiles® Platinum Business American Express Card

American Express offers three Delta Business Cards, but the most well balanced card in the group (in my opinion) is the Delta SkyMiles Platinum Business AMEX Card. It earns 3 SkyMiles per $1 spent on Delta and hotel purchases and also offers a free checked bag and priority boarding which is great if your business frequently travels. The card also rewards you for heavy spending and large purchases such as the bonus 0.5 point per $1 you'll earn on purchases of $5,000 or more and the ability to earn up to 20,000 MQMs as well as an MQD Waiver towards Delta Medallion status.

Delta SkyMiles® Platinum Business American Express Card
Rewards Rate
  • Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with hotels.
  • Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half point per dollar), up to 50,000 additional miles per year.
  • 1 Mile on every eligible dollar spent on other purchases.
Intro Bonus
Limited Time Offer: Earn 90,000 bonus miles and a $100 statement credit after spending $3,000 in purchases on your new Card in your first 3 months. Offer Ends 4/28/21.
Annual Fee
$250
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your card in a calendar year, up to 2x per year getting you closer to Medallion Status. Plus, throughout 2021 earn an additional 2,500 MQMs after making $25,000 in purchases, up to 2x. That’s in addition to the 10,000 MQMs that you would earn with Status Boost.
  • Status-like benefits: First Check Bag Free on Delta flights + Main Cabin 1 Priority Boarding.

Marriott Bonvoy Business™ American Express® Card

The Marriott Bonvoy Business AMEX Card is a great option if you want to earn Marriott Bonvoy Points on your business purchases. The card offers 4 points per $1 spent in the U.S. across top business categories such as restaurant, wireless phone providers, gas station, and shipping. The card also grants 15 elite nights towards status, complimentary Marriott Silver Elite status, and an annual free night at a 35,000-point or lower Marriott hotel.

Marriott Bonvoy Business™ American Express® Card
Rewards Rate
  • Earn 6x points at participating Marriott Bonvoy hotels.
  • Earn 4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • Earn 2x points on all other eligible purchases.
Intro Bonus
Limited Time Offer: Earn 100,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in eligible purchases within the first 3 months of Card Membership. Plus, earn up to $150 back in statement credits on eligible purchases made on your new Card within the first 3 months of Card Membership. Offer ends 5/12/21.
Annual Fee
$125
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn an additional Free Night Award (valued up to 35,000 points) after you spend $60K in purchases on your Card in a calendar year.
  • Enjoy complimentary Marriott Bonvoy Silver Elite status with your Card.
  • Earn Gold Elite status after making $35,000 in eligible purchases on your Card in a calendar year.

The Hilton Honors American Express Business Card

Do your business frequently stay at Hilton? If so, you're in luck because the Hilton AMEX Business Card is one of the best hotel business credit cards on the market. The card features 8 bonus categories and the earning rates of the card are pretty unbeatable if you're looking to build points towards free nights. Along with the great return on spend, the card offers complimentary Hilton Honors Gold status and 10 priority pass visits.

The Hilton Honors American Express Business Card
Rewards Rate
  • Earn 12X at hotels & resorts in the Hilton portfolio
  • Earn 6X on Select Business & Travel Purchases
  • Earn 3X on all other eligible purchases.
Intro Bonus
Earn 130,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases on the Card in the first 3 months of Card Membership.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Enjoy complimentary Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to more than 1,300 lounges across 140 countries and counting.

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your business spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top rated business credit cards offered by American Express. Personal American Express credit cards and credit cards from other banks will not appear in the results.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-25 By Robert Flowers III

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