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Best American Express Business Credit Cards Compared
Credit Card | Best For | Initial Bonus Offer | Annual Fee |
American Express® Business Gold Card | Overall | 70,000 points | $375 |
The American Express Blue Business Cash™ Card | Cash Rewards | $250 statement credit after spending $3,000 in the first 3 months | $0 |
The Business Platinum Card® from American Express | Travel Rewards | 120,000 points for spending $15,000 within 3 months | $695 |
Marriott Bonvoy Business® American Express® Card | Hotel Points | three free night awards for spending $6,000 in the first 6 months | $125 |
Delta SkyMiles® Gold Business American Express Card | Airline Miles | 55,000 miles after spending $4,000 in the first 6 months | $0 intro 1st yr, $150 after |
Amazon Business Prime American Express Card | Store Rewards | $125 Amazon.com gift card upon approval | $0 |
Methodology for Selecting the Best American Express Business Credit Cards
To identify the best American Express business credit cards, WalletHub’s editors routinely compare all of the Amex business credit card offers from our database of 1,500+ cards based on key WalletHub Rating components. We begin by estimating how much each Amex business card is likely to save the average cardholder, based on spending data from the Bureau of Labor Statistics and assuming cardholders pay their monthly bills in full in order to avoid interest. This makes it easy to select the best American Express business credit card in popular categories such as cash back and travel rewards.
In addition, even though business credit cards can be risky to carry a balance on, we also evaluate Amex business credit cards with 0% introductory APRs to see which offers figure to save cardholders the most on financing.
How Two-Year Cost Is Calculated
Two-year cost is used to calculate the monetary value of cards for better comparison and is calculated by combining annual and monthly membership fees over two years, adding any one-time fees or other fees (like balance transfer fees), adding any interest costs, and subtracting rewards. Negative amounts indicate savings. When fees or other terms are presented as a range, we use the midpoint for scoring purposes.
Rewards bonuses and credits have been taken into account for two-year cost calculations. However, bonuses applicable to only a very small portion of cardholders are not considered. For example, credits and bonuses awarded for spending or redeeming rewards through a company portal with non-co-branded cards have not been taken into account. Similarly, bonuses and credits related to spending with specific merchants using a non-co-branded card have not been taken into account (for example, if Card A offers credits with DoorDash, this feature would not be factored into calculations because it is hard to assess how many cardholders would use the benefit or exactly how much value they'd get from it).
Cardholder Spending Profiles
Given that different users have different goals and are likely to use their credit cards differently, we identified spending profiles that are representative of different users’ financial priorities and behaviors. For each cardholder type, we have assumed a specific amount of monthly spending by purchase type (e.g., groceries, gas, etc.), as well as an average balance, balance transfer amount, amount spent on large purchases and average monthly payment. Spending assumptions are based on PEX data.