American Express Business Cards

The American Express Business Cards are designed to provide businesses with a convenient and efficient way to make purchases and manage expenses. These credit cards are targeted at small to large businesses across various professions and industries, including retail, hospitality, professional services, manufacturing, and technology.

Key Features

Rewards: According to American Express, Business Cards allow users to earn Membership Rewards® points, cash back in the form of a statement credit, or partner rewards for purchases. The vendor claims that the program offers flexibility in redeeming rewards, and both the cardholder and their employees can earn rewards.

Amex Offers: American Express provides access to Amex Offers, which the vendor says provides discounts and rewards for shopping, dining, travel, and more. Users can easily add and redeem offers, and the program covers a wide range of categories to suit different preferences.

Expense Tools: American Express offers a suite of expense management tools to track and organize business expenses. The vendor claims that these tools can assist with cash flow management, budgeting, and provide insights into spending patterns and trends.

Support: American Express provides 24/7 customer support from specially trained Customer Care Professionals. The vendor states that the support is tailored to understand the needs of business owners, and assistance is available for any inquiries or issues related to the Business Cards.

Small Business Credit Cards: American Express offers a range of Small Business Credit Cards to suit different business needs. Benefits include cash back, travel rewards, flexible payment options, and Membership Rewards® points. According to the vendor, users can choose the card that best aligns with their business's goals and preferences.

Membership Rewards® Program: The Membership Rewards® program, according to American Express, offers a variety of rewards and benefits. The vendor notes that participating partners and available rewards may change without notice, and the value of Membership Rewards points varies based on redemption options.

No Interest Charges: American Express provides an option to extend payment over time on certain charges using the Pay Over Time feature. According to the vendor, interest accrues on charges paid over time, offering flexibility in managing cash flow and payment schedules.

Pay Over Time Feature: Users are eligible to enroll in the Pay Over Time feature, according to American Express. This feature allows for paying certain purchases over time, with interest accruing on eligible purchases when carrying a balance.

Plum Early Pay Discount: According to American Express, users are eligible for a 1.5% discount on the portion of charges paid within 10 days of the statement closing date. The vendor states that the discount appears as a credit on the following billing statement, and eligible charges include purchases for goods and services, excluding certain items.

Account Manager: American Express offers the option to designate an Account Manager for the Business Card account. According to the vendor, Account Managers must meet certain requirements, and this feature provides additional flexibility and control over the account.