Best American Express Business Credit Cards Of 2025

Why We Like It

If you have or are willing to get the required Business Prime membership to apply for the Amazon Business Prime American Express Card*, you can get ultrahigh rewards on your Amazon-related spending or choose 90-day financing to buy yourself some extra time to pay the bill. There are plenty of business cards that offer an introductory APR on purchases, but this is the only one we know of that offers you the chance to get ongoing promotional APR financing on eligible purchases.

The card also comes with a slew of additional perks, including purchase protection, return protection, baggage insurance and a few Amex-specific benefits like access to Amex Offers, Global Assist Hotline and a Lowest Hotel Rates Guarantee for hotels booked via Amex Travel.

What We Don’t Like

For businesses that aren’t solo entrepreneurs, an Amazon Business Prime account starts at $179 and escalates based on the number of account users. Those without a Prime membership can apply for the Amazon Business American Express Card*, however cardholders earn a lower rate on Amazon purchases and receive a fewer number of days to finance a purchase.

Who It’s Best For

Any business that has a Business Prime membership (or is willing to get one) and relies on Amazon products should consider getting this card.

Why We Like It

If you can’t stomach the idea of paying for a Business Prime membership, you can still earn strong rewards on your spending or choose 60-day financing on your eligible Amazon-centric purchases with the Amazon Business American Express Card*. The rewards are nice but it’s practically unheard of to be able to access ongoing extended interest-free financing on your purchases. For businesses with fluctuating cash flow, that could be the most valuable benefit of the card.

The card also comes with similar perks as the Amazon Business Prime American Express Card*, including purchase protection, return protection, baggage insurance and several Amex-specific benefits like access to Amex Offers, Global Assist Hotline and a Lowest Hotel Rates Guarantee for hotels booked via Amex Travel.

What We Don’t Like

With the Prime version of this card offering so much more in terms of rewards and extended financing, it’s likely worth it for most businesses to spring for the Business Prime membership to qualify for that version.

Who It’s Best For

For businesses with big spending at Amazon Business, on Amazon.com, Whole Foods or on AWS, the Amazon Business American Express Card* can bring big rewards.

Why We Like It

The Hilton Honors American Express Business Card (Terms apply, see rates & fees) offers terrific rates on Hilton spending, plus status perks that can improve your stays. The reward rates are also appealing on all other spending for those looking to earn rewards for use on future stays within the brand. Although the card has an annual fee of $195, it can be offset by an up to $240 annual property credit for eligible Hilton purchases, available as $60 quarterly credits.

What We Don’t Like

Since the card earns Hilton Honors points, it’s best for those who often stay at Hilton properties, as other redemption options have poor value. The card also lacks an intro APR offer on purchases, which could be helpful for a business looking to save on big expenses.

Who It’s Best For

The Hilton Honors American Express Business Card is best for Hilton superfans who want to earn rewards for future stays.

Why We Like It

If you want access to a wide array of premium airport lounges and can take advantage of its long list of credits and perks, The Business Platinum Card® from American Express (Terms apply, see rates & fees) will bring you almost as much joy as hockey stick-shaped growth on your revenue chart. Very few other business cards offer as much access to airport lounges worldwide. Outside of the airport, the card’s credits include an up to $200 airline incidental fee credit (for your one selected qualifying airline), an up to $200 Hilton property credit for eligible purchases, a $199 CLEAR® Plus credit, an up to $120 U.S. wireless telephone statement credit and more. Enrollment is required for select benefits.

What We Don’t Like

Although the card comes with plenty of credits that, added up, can far exceed the card’s weighty annual fee, it takes a lot of work to maximize them and may not be usable at all for some people. In addition, outside of airfare and prepaid hotels booked through Amex, the card’s earning rates are mediocre.

Who It’s Best For

The Business Platinum Card® from American Express is a fit for a business that wants access to an airport lounge in any airport they fly from and can use a healthy portion of the card credits to compensate for the annual fee.

Why We Like It

For business owners who can handle tracking categories and credits, the American Express® Business Gold Card (Terms apply, see rates & fees) has enormous potential for its price. The card automatically earns its highest rewards in the top two categories where you spend the most each month from a list of six (4X points on the first $150,000 in combined purchases from these categories each calendar year, then 1X thereafter), making it easy to accrue Membership Rewards® points. In addition, the card’s up to $240 annual flexible business credit ($20 monthly for eligible U.S. purchases) and the monthly statement credit for an eligible Walmart+ membership can be worth more than the card’s annual fee, if utilized. Enrollment is required for select benefits.

What We Don’t Like

For a premium card that earns travel rewards, the actual travel perks are light. There’s no airport lounge access or elite status with this card. And, if you don’t spend in the areas where the card offers the highest rewards and/or credits, you won’t get your money’s worth out of the annual fee.

Who It’s Best For

The Amex Business Gold Card is ideal for a business owner whose spending lines up with the bonus categories on this card and who can take full advantage of the card’s other potential credits and perks.

Why We Like It

Marriott enthusiasts can bank on the benefits offered with the Marriott Bonvoy Business® American Express® Card (Terms apply, see rates & fees). Each year, the card comes with a free night certificate, good for Marriott properties valued at 35,000 Bonvoy points or below (plus, you can top up your certificate with up to an additional 15,000 points). That feature alone can make the card worth the annual fee. The rewards rate is ideal for frequent travelers, offering the highest rewards on Marriott spending and elevated earnings on spending for restaurants worldwide and gas stations, shipping and wireless providers in the U.S.

The card also comes with automatic Gold elite status, which means late checkout when available, a 25% points boost on stays and an enhanced room upgrade when available. Business owners seeking even higher status should know that the card offers 15 Elite Night credits toward the next status rung, Platinum Elite, which requires 50 nights.

What We Don’t Like

The rewards on this card are most valuable when used for future Marriott stays. Since there’s no cashout option, your rewards are essentially locked in the Marriott Bonvoy program.

Who It’s Best For

Travelers loyal to Marriott-branded stays who want automatic elite status and high earnings on their Marriott-related spending are best suited to the Marriott Bonvoy Business® American Express® Card.

Why We Like It

Businesses who spend under $50,000 a year and want an effortless rewards card will find their match in The American Express Blue Business Cash™ Card (Terms apply, see rates & fees). It’s hard to beat earning 2% cash back on all your eligible spending, plus you don’t even have to put in any redemption effort—you’ll receive your cash back automatically each billing cycle as a statement credit. The card also comes with a helpful introductory APR for new purchases, giving you access to additional interest-free funds for your business. Plus, the card offers the ability to access expanded buying power* beyond your credit limit, which can be handy when making a big capital investment.

What We Don’t Like

The 2% cash back earnings are capped at $50,000 in annual spending (then 1%), so this card is not a fit for bigger spenders. Additionally, the card doesn’t offer the option to redeem your cash back as anything other than a statement credit.

Who It’s Best For

The Blue Business Cash will appeal to businesses wanting to earn simple cash rewards without any fuss.

Why We Like It

Smaller spending businesses seeking a no-fuss rewarding business card will find exactly that in The Blue Business® Plus Credit Card from American Express (Terms apply, see rates & fees). There’s no annual fee, and the rewards are straightforward. This card also offers cash flow flexibility, allowing you to occasionally expand your buying power* as needed. It also offers extended warranty¹ and purchase protection¹, a helpful “nice-to-have,” especially on a card with no annual fee.

What We Don’t Like

There’s a $50,000 earning cap on the 2X earning rate (then 1X thereafter), so if your business routinely spends over that amount in a year, you’ll likely find another card more rewarding. Also, since the card’s currency earned is Membership Rewards®, the best redemption value comes from booking travel or transferring to Amex’s airline and hotel loyalty partners. If that’s not in your wheelhouse, consider the cash-back version of this card, The American Express Blue Business Cash™ Card instead.

Who It’s Best For

The Blue Business® Plus Credit Card from American Express is readymade for anyone seeking a no annual fee business card that earns Membership Rewards.

Why We Like It

The Delta SkyMiles® Reserve Business American Express Card (Terms apply, see rates & fees) is in the big leagues when it comes to premium airline cards, offering complimentary access to Centurion Lounges, Escape Lounges and 15 visits to Delta Sky Clubs when flying Delta same-day (cardholders can earn unlimited visits when their total purchases exceed $75,000 each calendar year). Delta Sky Club access has grown increasingly restricted, and this card guarantees you at least some access without having to fork over the $695 annual individual membership fee.

It also comes with a Companion Certificate for a first class, Delta Comfort+® or main cabin round-trip flight within the U.S. and to Mexico, the Caribbean, or Central America each year after card renewal (you pay taxes and fees), a host of credits for rideshares and eligible Resy dining with enrollment, and Medallion Qualification Dollar boosts to get you closer to your next status level with the airline.

What We Don’t Like

Delta Sky Club lounge visits are capped at 15 per card member year unless you spend $75,000 or more on the card within a calendar year. If you take more than seven round-trip flights on Delta a year, you’d be better off buying a SkyClub membership and getting one of the less expensive Delta business card options.

Who It’s Best For

The Delta SkyMiles® Reserve Business American Express Card is worth considering for those who travel several times a year on Delta and want the perks and lounge access that come with this card.

Why We Like It

The Delta SkyMiles® Platinum Business American Express Card’s (Terms apply, see rates & fees) annual fee positions it squarely between the higher annual fee of the Delta SkyMiles® Reserve Business American Express Card (Terms apply, see rates & fees) and the lower annual fee of the Delta SkyMiles® Gold Business American Express Card (Terms apply, see rates & fees). This card arguably offers the best of both worlds: solid rewards and an array of decent travel benefits, including a 15% points discount on Delta flights, a Global Entry or TSA PreCheck® credit, an annual companion certificate good for main cabin round trip tickets within the U.S. and to Mexico, the Caribbean or Central America (you pay taxes and fees) and first checked bag free on Delta flights.

In addition to its airline-specific rewards, the card offers a $120 rideshare credit for up to $10 back every month (enrollment required), an up to $200 Delta Stays credit, trip delay insurance², car rental loss and damage insurance³, baggage insurance¹ and no foreign transaction fees. These benefits come on top of typical Amex benefits like purchase protection¹ and an extended warranty¹.

What We Don’t Like

Maximizing the potential credits on this card takes work. The annual companion certificate doesn’t apply to partner airline flights or anywhere outside North and Central America.

Who It’s Best For

Those who know they’ll use the Companion Certificate each year and at least some of the card’s other perks can get the most out of this card.