American Express has a large portfolio of small business cards, and the cards often have larger welcome bonuses. In the past few years, many card issuers have focused on small business cards and you will often find that they welcome bonuses and benefits better than personal cards.
For those who may not be familiar with the business card application process, in this post I wanted to talk about Amex Small Business Business Cards – what offers are available, what are the benefits of applying for Amex business cards, and how should you go about it the application?
The best Amex business cards
There are several great American Express business cards available, including some cards that earn Membership Rewards points and some co-branded cards that can be used to earn valuable airline or hotel rewards.
The card that is best for your small business depends on your travel destinations. Here are some of my favorites:
Delta Business Amex
With the Delta SkyMiles® Gold Business American Express Card (Review):
- Earn 70,000 Bonus SkyMiles and $ 50 in credit after spending $ 2,000 in the first three months
- $ 0 annual introductory fee for the first year, then $ 99 (Pricing & Fees)
With the Delta SkyMiles® Platinum Business American Express Card (Review):
- Earn 90,000 Bonus SkyMiles and $ 100 in credit after spending $ 3,000 in the first three months
- $ 250 annual fee (prices & fees)
With the Delta SkyMiles® Reserve Business American Express Card (Review):
Redeem SkyMiles to travel on Delta One
Hilton Business Amex
Hilton and Amex have a co-branded card portfolio Hilton honors American Express business card (Review):
- Earn 150,000 Hilton Honors Points after spending $ 2,000 in the first three months, plus $ 150 in credit after a single purchase in the same period
- $ 95 annual fee (pricing & fees)
You will receive a free breakfast with the Gold status that comes with the card
Blue Business Plus Amex
If you are looking for the best Amex no annual fee business card to collect Membership Rewards points, then this is it The Blue Business® Plus credit card from American Express (Rating) is the clear winner:
- Earn 2x Membership Rewards points for the first $ 50,000 spent annually
- $ 0 Annual Fee (Prices & Fees)
Collect many Membership Rewards points with this card
Blue Business Cash Amex
For me, there is an excellent Amex cashback business card that generally has a similar reward structure to the Blue Business Plus, and that is The Blue Business Cash ™ card from American Express (Review):
- Earn 2% cashback on the first $ 50,000 spent annually
- $ 0 Annual Fee (Prices & Fees)
This is the best Amex card to get your money back
Business Gold Amex
If you are looking for the best Amex business card with bonus categories that will give you Membership Rewards points then The American Express® Business Gold Card (Review) the obvious choice is:
- Earn 70,000 Bonus Membership Rewards Points after spending $ 10,000 in the first three months, plus up to $ 300 in credits – up to $ 150 on US advertising in select media and up up to $ 150 for US shipping for eligible purchases within the first three months
- $ 295 annual fee (pricing & fees)
- The card offers 4x points in the two categories that you spend most each month for a total of up to $ 150,000 in combined purchases per year. Eligible categories include airfares purchased directly from airlines, US purchases for advertising in selected media, US gas station purchases, US restaurant purchases, US shipping purchases, US computer hardware, software, and cloud -Computing purchases made directly from selected vendors
Redeem Amex points to travel with Singapore Airlines
Business Platinum Amex
If you’re looking for the best Amex business card with perks like lounge access, this is it The American Express Business Platinum Card® (Rating) is the best choice:
- Earn 85,000 Bonus Membership Rewards Points after spending $ 15,000 in the first three months, plus up to 4x additional Membership Rewards points in select categories
- $ 595 annual fee (Prices & Fees)
- The card offers many perks that help make up for this. This includes a credit of $ 200 per year, a Priority Pass membership, access to Delta SkyClubs on the same day Delta flight, access to the Amex Centurion Lounge and much more
Access the Amex Centurion Lounges with this card
Advantages of applying for Amex business cards
There are a few things that you should specifically know about applying for an Amex business card. Anecdotal:
- Amex business card applications do not count towards Chase’s 5/24 limit. This is because these applications are usually not listed on your personal credit report
- If you are already an Amex card member and apply for another Amex card, your balance will not be debited initially. This means that if you get a preliminary rejection based on existing information, it will not affect your creditworthiness
- When it comes to business credit cards, I find that Amex cards are much easier to approve than Chase or Citi cards. So this is a great starting point when you receive your first business card
Restrictions on applying for Amex business cards
Amex’s general restrictions on applying for cards are as follows:
- As a rule, you can have a maximum of four Amex credit cards at any one time. It doesn’t matter if they’re personal or business (this limit used to be five but seems to have temporarily been lowered to four).
- They can typically be approved for a maximum of two American Express credit cards within 90 days, although there are some inconsistencies about this
How to fill out an Amex business card application
Those who already have business credit cards are likely to be familiar with the application process. For those who don’t, here are some things you should know.
It can be intimidating to apply for your first business credit card. Even if you are a small business or a sole proprietorship, you should be eligible. When applying for an Amex business card, you will be asked the following questions:
- Legal business name
- Business address & phone number
- Industrial type
- Company structure
- Years in business
- Number of employees
- Annual business turnover
- Estimated monthly expenses
- Federal Tax ID
How should you proceed as a sole proprietorship? First and foremost, answer everything truthfully. I think a lot of people worry is that they feel they need a registered business, separate office, etc. to be considered for a business card. That’s not the case:
- You can use your name as a legal company name
- The business address and phone number can be the same as your personal address and phone number
- In this case, you can select “Other” as the industry type
- If you are a sole proprietorship, this is your choice as your corporate structure
- In terms of fiscal years, there’s no shame in saying it was less than a year, a year or two, etc.
- In terms of the number of employees, it’s perfectly okay to just say one
- You can enter your social security number for the federal tax ID
While many people are intimidated by applying for their first business card, I think most are pleasantly surprised at the results. Here, too, the most important thing is to always be honest when applying.
American Express business cards can be a very useful addition to your wallet. Hopefully this will be useful for anyone who has not yet applied for an Amex business card. Even if you have not applied for Amex business cards in the past, you may be pleasantly surprised by the results.
There are currently some particularly good deals on Amex business cards, especially Delta Cards, Hilton Cards, and Amex Business Gold.
What is your experience with applying for Amex business cards?
The following links will take you to the prices and fees for the American Express cards mentioned. These include: American Express® Business Gold Card (Rates and Fees), Delta SkyMiles® Reserve Business American Express Card (Rates and Fees), Delta SkyMiles® Gold Business American Express Card (Rates and Fees), Delta SkyMiles® Platinum Business American Express Card (Rates and Fees), American Express Blue Business® Plus Credit Card (Rates and Fees), American Express Business Platinum® Card (Rates and Fees), Hilton Honors American Express Business Card (Rates and fees), and American Express® Blue Business Cash Card (prices and fees).