What is an American Express (Amex) Business Card?

22 Mar 2023

American Express (Amex) Business Card is a credit card designed specifically for small businesses. It provides business owners with benefits and rewards to help them manage and grow their businesses. Some of the benefits of an Amex Business Card may include:

• Rewards program: Business owners can earn rewards on their business purchases, such as cashback, points, or miles, which can be redeemed for travel, gift cards, or statement credits.
• Business expense management tools: Amex provides business owners with tools to help them manage their expenses, including the ability to set employee spending limits.
• Travel benefits: Many Amex Business Cards offer travel benefits, such as access to airport lounges, travel insurance, and concierge services.
• No pre-set spending limit: Amex Business Cards do not have a pre-set spending limit, which means business owners can spend what they need without worrying about hitting a limit.
• Business-specific perks: Depending on the card, Amex Business Cards may offer additional business-specific perks, such as discounts on business services or access to business events.

Amex offers several types of business cards, each with its features and benefits. Some of the most popular Amex Business Cards include:

• American Express Business Gold Card: This card allows businesses to earn Membership Rewards points on their purchases, with bonus points on categories like advertising, shipping, and gas. It also offers benefits such as baggage insurance, car rental loss and damage insurance, and roadside assistance.
• The Plum Card from American Express: This card offers a 1.5% early pay discount or the option to defer payment for up to 60 days, depending on the needs of the business.
• The Blue Business Plus Credit Card from American Express: The card offers 2X Membership Rewards points on the first $50,000 and 1X Membership Rewards points on all other purchases. It also has no annual fee and a 0% introductory APR for the first 12 months.
• The Business Platinum Card from American Express: This card offers premium benefits designed for frequent travelers, such as access to airport lounges, airline fee credits, and elite hotel status. It also earns Membership Rewards points on purchases and offers a variety of travel benefits like travel insurance and baggage insurance.

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