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        华国锋逝世Full Disclosure:华国锋逝世 We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. See our Advertiser Disclosure?for more details. We appreciate your support!

        American Express is a known leader for business credit cards with 12 rewarding credit card options for business owners.

        American Express business credit cards offer earning options just as varied as the collection of credit cards. Purchases on rewards-earning American Express business credit cards include cash-back, transferable hotel points, airline frequent flier miles, and Amex Membership Rewards Points.

        When you redeem your rewards, you’ll find you have the flexibility to select 华国锋逝世cash-back, free travel, gift cards华国锋逝世, and more.

        In addition to the variety of earning and redemption choices, you’ll have access to Amex Offers, which can save you thousands of dollars per year on your purchases.

        Finding the perfect Amex business credit card that brings the most value back into your business operation may seem challenging, but we’re here to walk you through the variety of choices and help you determine which card is the right fit for your business.

        Let’s take a look at the America Express business credit cards, by category.

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        More details on these rewards cards including their perks, benefits and welcome bonuses are listed below — as well as why they might be a great fit for your business.

        The Business Platinum?sets the bar high when it comes to earning, redemptions, and benefits that come with the card.

        Praised by business travelers everywhere, the card delivers all the 华国锋逝世perks a traveler would value华国锋逝世 such as lounge access, airline and Uber credits, free inflight and on-the-ground Wi-Fi, bonus earning on travel purchases, and luxury hotel perks.

        Another solid business credit card is the Business Gold Card, which rewards your greatest purchases with?华国锋逝世4 points per dollar华国锋逝世 on the first $150,000 annually. After that, earn 1x. Eligible bonus categories are selected?from a list of 6 common business expense categories.?If your business has significant spending in a particular category, points will add up quickly.

        华国锋逝世Hot Tip:?华国锋逝世The Business Gold Card also earns a spot on our list of Best Business Credit Cards for Advertising Purchases.?

        While the Marriott Bonvoy Business card underwent some changes in 2018, you’ll still be earning valuable points that result in free hotel stays, receive annual free nights for renewing the card, and enjoy perks and benefits at? Marriott properties.

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        • 华国锋逝世Your personal credit华国锋逝世 will play a significant role in whether you’re approved for a business credit card, so you’ll need to provide this information when applying for a business credit card.
        • 华国锋逝世Credit limits and APRs may be higher华国锋逝世?for business credit cards than for personal credit cards.
        • 华国锋逝世The CARD Act does not apply to business cards. 华国锋逝世The?Federal Credit Card Accountability Responsibility and Disclosure 华国锋逝世(CARD) Act of 2009?set provisions protecting consumers from the negative practices of credit card companies. Business credit cards are not covered by the act, so these cards may?be less consumer-friendly, although some card issuers now voluntarily include CARD protections on their business cards.

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        • 华国锋逝世In which category of business expenses does my business spend the most?华国锋逝世?Earning rewards and bonus points or cash on your most significant spending categories is critical to maximizing the benefits of any business rewards-earning credit card.
        • 华国锋逝世Does my business involve frequent travel?华国锋逝世? Does your business purchase airline tickets frequently, or are you a road warrior who spends a lot at gas stations and hotels? Perhaps you work out of your home and have no travel expenses at all.
        • 华国锋逝世Would my business benefit more from cash-back or travel rewards? 华国锋逝世Do I want cash-back?to reinvest back into my business, or is earning travel rewards more of a priority? Even if your business doesn’t involve travel, you might want to use the miles or points earned on your business expenses to fund a family vacation.
        • 华国锋逝世Am I comfortable paying an annual fee?华国锋逝世?Will the credit card deliver enough benefits to your business to offset any annual fee, or would you prefer a card with no annual fee?

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        Startup businesses may have an initial mix of expenses that differ from established businesses, as they may need to build technology infrastructure, open a brick-and-mortar storefront, or have the need to launch a massive marketing campaign to get up and running.

        For this reason, selecting a business credit card that rewards startup expenses is critical to getting the most value back from a business credit card.

        The American Express Blue Business Cash? Card is a solid card for a startup business because it allows the business owner to 华国锋逝世earn 2% cash-back 华国锋逝世on every purchase their business makes and doesn’t charge a large annual fee.

        There is a 华国锋逝世$50,000 limit per card year华国锋逝世 on the 2% earnings. However, all purchases after that earn 1% cash-back.

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        Cash-back is, of course, the most liquid form of rewards you can earn on your business credit card because the money can go right back into your business. While American Express doesn’t offer a lot of cash-back cards, it has 2 that offer different ways of earning that cash.

        The Amex Blue Business Cash Card earns cash-back on every purchase. Once you’ve maxed out the spending at $50,000, you’ll earn 1% cash-back on all purchases. The Plum Card, with a more simplistic structure, earns cash-back when you pay your balance off each statement period.

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        Small businesses can benefit from accelerated earnings on 2 business spending categories with the Business Gold Card. The business owner gets to select which 2 bonus categories, from a list of 6 business spending categories offered, that will earn?华国锋逝世4 Membership Rewards Points per dollar spent?华国锋逝世on the first $150,000 annually. After that, earn 1x.

        This ensures your greatest spending categories earn the greatest rewards.

        If cash-back is a better fit for your business, the Amex Blue Business Cash Card is an excellent choice with 2% cash back on up to $50,000 in purchases per year.

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        Points and miles earned on an American Express business credit card can be redeemed for travel, which can help you offset business travel expenses or fund a personal vacation. Image by Christine Krzyszton.

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        When we look at all of the American Express Business credit cards, there isn’t one that comes close to delivering more value for travelers than The Business Platinum.

        Yes, it does come with a high annual fee, but it delivers value for the frequent traveler far beyond the amount of that fee.

        华国锋逝世Lounge access华国锋逝世 alone covers the cost, and when you add in 华国锋逝世$200华国锋逝世 in airline credits,华国锋逝世 rebates华国锋逝世 on travel purchases, 华国锋逝世free Wi-fi华国锋逝世, and luxury hotel benefits, there’s no better fit for the frequent business traveler seeking an American Express travel business credit card.

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        When you consider the cost of annual lounge memberships or the amount you might spend on multiple lounge day passes, paying a larger annual fee for a premium credit card that 华国锋逝世includes this benefit华国锋逝世 makes economic sense.

        Of particular value is The Hilton Honors American Express Business Card that comes with 华国锋逝世10 free passes per year华国锋逝世 to lounges in the Priority Pass network. Even having to pay $32 per visit after you’ve used all the passes, you’ve gained considerable value from a card with a non-premium annual fee.

        华国锋逝世Hot Tip:?华国锋逝世Before you spend $500 for an annual lounge membership, check out a premium business credit card such as The Business Platinum, which includes this benefit and much more.

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        If your business requires travel, it makes sense to look at how American Express airline and hotel business credit cards can add value and save your business money.

        Airline and hotel business credit cards can earn miles or points for free flights and hotels, deliver travel perks that make your journey more comfortable and productive and even fund a family vacation.

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        You may find value in one of the American Express premium business credit cards and utilize the perks and benefits that 华国锋逝世offset the annual fees华国锋逝世 that come with these premium cards.

        However, your business can still enjoy the benefits of a rewards-earning business credit card 华国锋逝世without having to pay any annual fees华国锋逝世. Here are few examples.

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        Few business credit cards come with 华国锋逝世introductory APR offers华国锋逝世. The benefit of the 0% APR period is you’re?华国锋逝世not charged interest华国锋逝世 for that limited time, saving your business a lot of money.

        If you have a large purchase, these business credit cards can provide an interest-free period to repay.

        children lemonade stand
        Even a small business can qualify for a business credit card. Image courtesy of Shutterstock.

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        The IRS defines a business as an activity “carried on with the?华国锋逝世reasonable expectation of earning a profit华国锋逝世.” But credit card issuers have their own criteria for approving business credit card applications.

        Some issuers want to see tax returns that show your business operation and others find a 华国锋逝世small side gig华国锋逝世 with little income as a perfectly acceptable business operation.

        华国锋逝世The stronger your personal credit history华国锋逝世, the more likely you are to be approved for a business credit card, even if your business is just starting out.

        华国锋逝世Bottom Line:?华国锋逝世A strong personal credit history is needed to get approved for a business credit card?because you will be personally responsible for paying your business credit card.

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        Before completing a business credit card application, you’ll want to gather the information you’ll need to complete the application accurately.

        • The?华国锋逝世name华国锋逝世?of your business (this can be your name or another legal name)
        • The type of?华国锋逝世business entity华国锋逝世?(sole proprietor, partnership, S corporation, limited liability company)
        • The business 华国锋逝世Tax ID华国锋逝世 number (either an Employer Identification Number or your own Social Security number)
        • The 华国锋逝世number of years华国锋逝世?you’ve been in business
        • Total business?华国锋逝世revenue华国锋逝世?and total personal income, it’s fine to put zero if your business has no income yet
        • 华国锋逝世Address of the business华国锋逝世?(can be the same as your personal address) and phone number
        • 华国锋逝世Type of business?华国锋逝世and?sub-type of business (for example, services, accounting services)
        • Number of?华国锋逝世employees华国锋逝世
        • 华国锋逝世Additional personal华国锋逝世?information

        Tips for completing the business credit card application:

        • 华国锋逝世Complete the application as accurately as possible华国锋逝世, even if you have to estimate some of the numbers or generalize the nature of your business. Keep notes on why you answered a question a certain way and what your process was for estimating any business revenue or personal income.
        • 华国锋逝世Keep a copy of the application.? 华国锋逝世If American Express needs more information before approving you for one of their credit cards, you’ll want to be able to refer to your application and any notes you made during any follow-up conversations.
        • 华国锋逝世Document the offer you’re applying for.华国锋逝世?For example, if you’re applying for an offer that gives 50,000 points after spending $3,000 in the first 3 months, make sure you have a screenshot or other documentation if for any reason the points don’t show up.

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        You may wonder if you need a business credit card for your startup or small business. You may not be generating a lot of profit starting out, and you’ve probably been able to get by using your personal credit card for your business expenses.

        The most important reason for using a business credit card is to?华国锋逝世keep business expenses separate from personal expenses.华国锋逝世

        The easiest way to do that is to put all of your business expenses on a business credit card. Separating your expenses can be especially important when it comes time to complete your annual tax return and add up your business expenses for the year, or in case you face an audit.

        You’ll also want to open a 华国锋逝世separate bank account华国锋逝世 for your business even before applying for a business credit card. It’s a prudent business practice to use funds from your business bank account to pay your business expenses on the credit card.

        华国锋逝世Hot Tip: 华国锋逝世Another reason to secure a business credit card is business cards frequently offer 华国锋逝世perks for businesses华国锋逝世, have business cash management tools, offer 华国锋逝世higher credit limits华国锋逝世, and 华国锋逝世reward business category spending华国锋逝世 more than personal cards.

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        You’ll want to know the difference between a business charge card and a business credit card to make a good decision on which card will match your business spending patterns — and which will bring the most value to your bottom line.

        An Amex business?华国锋逝世credit card allows you to carry a balance from one statement period to another华国锋逝世. You will be charged interest on any balance remaining on the card when your statement period ends.

        A?华国锋逝世charge card requires the balance to be paid off in full each statement period 华国锋逝世as charge cards do not typically allow a balance to be carried over to another statement period.

        华国锋逝世The Plum Card from American Express offers the 华国锋逝世opportunity to carry over a balance,?华国锋逝世but this option is the card’s key feature and it is stated up front. Each charge card has different requirements, and the opportunity to carry over a balance must be initiated by the card issuer.

        Charge cards usually have 华国锋逝世no pre-set spending limit,华国锋逝世 although that does not mean you have an unlimited credit limit. The credit card issuer will determine your limit internally based on how you’re managing the card.

        华国锋逝世Hot Tip:?华国锋逝世For more information on this topic, check out this article dedicated to the differences between charge cards and credit cards.?

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        American Express offers more business credit cards than you could use in the lifetime of your business. Their business credit card options are generally strong contenders against other credit cards in their categories, so an American Express business credit card can be a good choice.

        Of course, a prudent business owner compares other options before making a decision, so we’ll speed up the process and encourage you to take a look at our comprehensive list of the Best Business Cards for Cash-Back, Rewards, and More.

        You’ll find a selection of business credit cards for every type of business operation and confirmation that American Express is a rock star among issuers in the business credit card world.


        For rates and fees of The Business Platinum Card? from American Express, click here.
        For rates and fees of the American Express Blue Business Cash? Card, click here.
        For rates and fees of The Plum Card? from American Express, click here.
        For rates and fees of the American Express? Business Gold Card, click here.
        For rates and fees of the Delta SkyMiles? Reserve Business American Express Card, click here.
        For rates and fees of the The Hilton Honors American Express Business Card, click here.
        For rates and fees of The Blue Business? Plus Credit Card from American Express, please click?here.


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        Business cards work the same way personal credit cards do. Charges are made throughout the statement period and you must either pay off the entire statement when due (charge card) or have the option to make at least a minimum payment and carry over a balance (credit card).

        If you own a business, you’ll want to keep personal expenses separate from business expenses and a business credit card can help you do that. You will, however, be personally responsible for paying the charges on your business credit card and your personal credit will be used to determine whether you’re approved for the business credit card.

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        On a cash-back business credit card, any purchase you make on the card earns a percentage of that purchase back in cash. Some credit cards allow you to take the cash, but most apply the cash as a statement credit.

        Many cash-back credit cards have bonus spending categories that allow you to earn as much as 5% cash-back on your purchases. The biggest benefit of cash-back is the money can be invested directly back into your business to help offset expenses.

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        Even small side businesses such as photographing sports on the weekends or selling homemade jams have the potential for a business credit card, but you’ll need to have a strong personal credit history to be approved.

        The IRS recognizes any activity that has the intent of earning a profit as a business, so that’s a good guideline to start with, but credit card issuers want your personal credit history to be strong, as you’ll be personally responsible for paying the business credit card.

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        Most business credit cards with introductory APR periods for balance transfers charge fees, usually 3%-5% of the amount being transferred. You’re more likely to find personal credit cards that offer a 0% APR period for balance transfers that do not charge transfer fees.

        Our?complete guide to 华国锋逝世0% APR credit cards includes some American Express personal credit cards that meet this criteria.

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        The short answer is yes, it is possible to use your business credit card for personal expenses. However, one of the reasons for obtaining a business credit card is to keep personal and business expenses separate.

        The benefit of keeping these expenses separate is?bookkeeping will be easier at tax time without having to determine which are personal and which are business expenses on the credit card.

        Also, should you be audited, it’s best to have only your business expenses on the business credit card.

        Christine Krzyszton

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        Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location.?Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

        华国锋逝世Disclaimer:华国锋逝世 Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.

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        Many of the credit card offers that appear on this site are from credit card companies from which we receive financial compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). However, the credit card information that we publish has been written by experts who know these products inside out, and what we recommend is what we would (or already) use ourselves. This site does not include all credit card companies or all available credit card offers that are on the market. 华国锋逝世Click here to see a list of advertisers that we work with.华国锋逝世