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The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This entry-level business card earns points for your business spending, which you can redeem in a simple-to-use rewards program. Business owners will appreciate the suite of tools designed to simplify finances.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
But did you know the familiar Green Card is available for your small business too?
The Amex Business Green card gives you the same great benefits of the personal card with added benefits for business owners!
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Business Green Rewards Card within the first 3 months of Card Membership
Earn one Membership Rewards® point for each dollar you spend on eligible purchases
PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month—or pay over time with interest, up to the Pay Over Time Limit on your account
From travel to top brands, and everything in between – use Membership Rewards® points on the reward that means the most to you
Straightforward earning: 2x on flights and prepaid hotels through AmexTravel.com and 1x on all other eligible purchases
No Present Spending Limit: Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Earns valuable Membership Rewards
Cons
Doesn’t have business specific bonus earning categories
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
” System
1101+ Expert Credit Card Guides
Great Card If
You and your employees travel frequently
You will use the suite of tools available for small businesses
You want a card that earns Membership Rewards points
Don’t Get If
You prefer to earn cash-back rewards
You travel outside the U.S. regularly and will incur foreign transaction fees
Welcome Bonus, Earning Categories, and Points
The Amex Business Green card usually has a decent welcome bonus offer (see table above), and a $95 (rates & fees).
You’ll also earn 1x points for each dollar you spend on eligible purchases.
Bottom Line: Earn 1x points for all purchases, but 2x when using the Amex Business Green card on flights and prepaid hotels booked through AmexTravel.com.
Benefits of the Amex Business Green Card
Membership Rewards points earned with the card can be redeemed for hundreds of rewards from airlines, hotels, restaurants, retailers, and other brands.
The Amex Business Green also comes with the Pay Over Time option. Decide whether you want to pay eligible purchases in full each month—or pay over time with interest, up to the Pay Over Time Limit on your account; it’s that simple.
In fact, you can use Membership Rewards points to pay for part of a flight or hotel with AmexTravel.com through the Pay with Points program.
Small Business Benefits
Small business owners will appreciate the fact that Amex Business Green card has a lower annual fee than other Amex business cards and no-additional-fee Employee Business Expense cards.
The business credit card also comes with the many benefits offered by American Express to help run your business smoothly.
Take, for example, your account’s ability to connect to QuickBooks and ReceiptMatch, 2 tools that work together to help you manage your business expenses.
Stay abreast of payment due dates, employee spending, and any suspicious activity on your card by setting up account alerts from your online account. You can always access your account through the online statements at the mobile and tablet apps.
If you don’t have time to review your statements and make payments, you can select a partner or employee to manage these tasks for you through the account manager feature.
Bottom Line: Small business owners will appreciate the many different Amex benefits that come from being a cardholder of the Amex Business Green card.
Perks With the Card
American Express has a reputation for offering some of the best credit card perks and insurances, from shopping and fraud protection to travel assistance.
For instance, with purchase protection, your purchases are protected against accidental damage and theft for up to 90 days from the date of purchase.
In addition, you can add up to 1 year to the original U.S. manufacturer’s warranty on items purchased with the card through the extended warranty feature.
Car rental loss and damage insurance can be invaluable if you and your team rent vehicles on a regular basis while traveling. This protects rental cars from theft or damage when you decline the collision damage waiver and pay with your card.
These are just some of the card insurances available when you use the card or other participating American Express cards.
Bottom Line: The Amex Business Green card comes with many different types of insurance and protections, including purchase protection, extended warranty, car rental insurance, and more!
Best Way to Maximize Amex Points
OK, so you can earn 2x points for booking through AmexTravel.com and 1x points for your other purchases. But how can you rack up as many points as possible with the Amex Business Green card?
Here are some tips to get you on your way:
Tip #1: Make your first purchase to get your welcome bonus points. You have 3 months to do it and qualify for the welcome offer to receive the Membership Rewards points!
Tip #2: Get cards for your employees. The more people in your business earning points, the more points in your Membership Rewards. Plus, there’s no annual fee for the cards (rates & fees).
You’ll be happy to know you have control over employee spending limits. Set them online or by calling the number on the back of the card.
Tip #3: Do you have an American Express personal card that earns Membership Rewards? Link it to your business credit card and accumulate tons of Membership Rewards points!
Best Way To Redeem Amex Points
When it comes to redeeming Amex points, there are plenty of options, ranging in value from $0.006 per point to more than $0.02 per point.
Option #1: Statement Credit
Pay your Amex Business Green card statement balance with Membership Rewards points. Points are valued at $0.006 each when redeemed for a statement credit.
Option #2: Shopping
Gift Cards
Choose from a wide selection of Membership Rewards gift cards in a wide range of categories like dining, entertainment, and much more. The points value will vary depending on the gift card, but ranges between $0.006 and $0.01 per point.
You’ll find hundreds of technology, office, beauty, and other products in the online mall. You can even redeem for events. Redemptions in the shopping portal are valued at $0.005 per point.
Option #2: Travel
Transfer to a Loyalty Program Partner
When you have an Amex card that can transfer points to partners, you open up the most valuable way to use your points.
Many hotel and airline loyalty programs currently participate. Transfer your points to most partners at a 1:1 ratio and redeem for as much as $0.02 per point!
You will have to pay a transfer fee of $0.0006 per point (up to $99), but when you consider the potential of piggybacking on the loyalty program redemption rate, it can be the most valuable redemption option.
Redeem Points Through AmexTravel.com
Use your points to pay for all or part of your rewards travel, starting with 5,000 Membership Rewards points. Points for flights are valued at $0.01 per point, and other options are valued between $0.007-$0.005 per point.
There are no blackout dates, and you get a flexible seat selection!
Drawbacks of the Amex Business Green Card
As with any card, there are a couple of drawbacks to the Amex Business Green card.
First, the bonus earning categories aren’t as robust as some other cards. Basically, you earn 1 point per $1 spent with the card with no extra points for purchases at office supply stores, restaurants, or other select categories.
Fees are another drawback of the card. There is a 2.7% foreign transaction fee on any purchases made while abroad (rates & fees).
Bottom Line: Unlike other business cards there aren’t a wide array of special bonus categories. It also has a 2.7% foreign transaction fee.
Alternatives to the Amex Business Green Card
The Blue Business® Plus Credit Card from American Express
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn Membership Rewards for your business spending the easy way: get 2x points for the first $50,000 in purchases per year.
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
15,000 points
Up to $330
No annual fee
17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
With the Amex Blue Business Plus card, you’ll earn 2x Membership Rewards points on everyday business purchases throughout the year (up to $50,000; 1x thereafter) and receive purchase protections and no-additional-charge employee cards all for no annual fee (see rates and fees).
The simple and straightforward earning structure makes it a great fit for those looking to earn flexible rewards, without having to fixate on which purchases earn the most points.
Let’s take look at all that the Amex Blue Business Plus card has to offer.
Pros & Cons
Pros
2x Membership Rewards points per $1 on everyday business purchases (up to $50,000; 1x thereafter)
Purchase protection and extended warranty protection
No annual fee and employee cards at no additional cost
Cons
No unique bonus categories and 2x earnings are capped at $50,000 in annual spend
No elite travel benefits like lounge access or elite status
Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 17.49% - 25.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
You’ve got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
No Annual Fee
Terms Apply.
Financial Snapshot
APR: 17.49% - 25.49% Variable,0% on purchases for 12 months from date of account opening
Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
100,000 points
Up to $2,200
$375
18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.
Pros & Cons
Pros
4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
Welcome Offer: Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*
Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
The Business Gold Card comes in three metal designs: Gold, Rose Gold and White Gold. Make your selection when you apply on Americanexpress.com.
*Terms Apply
Financial Snapshot
APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
If you would like to earn more for your spending in certain categories, you may prefer the Amex Business Gold card.
This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):
Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
U.S. purchases made from electronic goods retailers and software & cloud system providers
Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
U.S. purchases at gas stations
U.S. purchases at restaurants, including takeout and delivery
Purchases at U.S. media providers for advertising in select media (online, TV, radio)
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Paying early pays off: earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
No Foreign Transaction Fees.‡
Terms Apply. Learn More.
Financial Snapshot
Foreign Transaction Fees:
If you and your employees regularly travel outside the country, you may find more value in a card without foreign transaction fees, such as the Amex Plum card.
Not only does it free you from foreign transaction fees, but this card also gives you a 1.5% discount when you pay your bill early. However, the annual fee is $250 (rates & fees).
See below for some of our card comparisons with the Amex Business Green card:
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