The 2 Best Amex Business Credit Cards in August 2025
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Overview
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Card | Welcome Offer and Annual Fee | Earning Rates & Top Benefits |
The Business Platinum Card® from American Express  |
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American Express® Business Gold Card  |
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The Business Platinum Card® from American Express (Best Business Card for Lounge Access)
BEST LOUNGE ACCESS
Terms Apply / Rates & Fees
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.
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!
Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Up to $3,300
$695
18.49% - 29.24% Variable
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.
Why We Like This Card
The Business Platinum Card® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.
When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.
Pros & Cons
Pros
- 5x Membership Rewards points per $1 on eligible travel purchases like flights, prepaid hotels, and prepaid short-term rentals booked through AmexTravel.com
- Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection (as of 10/2024).
- Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (on up to $2 million per calendar year)
Cons
- High annual fee of $695 (rates & fees)
- Airline fee credit does not cover airfare, only incidentals like checked bags
Card Highlights
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 10/2024.
- Unlock over $2,000 in statement credits with business and travel benefits annually* on the Business Platinum Card. Terms apply. Learn more. *After meeting qualifying spend thresholds
- New! Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- New! Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Make the Business Platinum Card® work even harder for you. Hilton For Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Benefit enrollment required.
- 5X points on flights and prepaid hotels booked on AmexTravel.com
- 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 1X points on other eligible purchases
- Use the Business Platinum Card® and get up to $209 back per calendar year on your CLEAR® Plus Membership (subject to auto-renewal).
- $695 Annual Fee.
- Terms Apply.
Financial Snapshot
- APR: 18.49% - 29.24% Variable
- Foreign Transaction Fees: None
Rewards Center
The Amex Business Platinum card sets the bar high when it comes to earning, redemptions, and the endless benefits that come with the card.
Cardholders can earn 5x points on flights, prepaid hotels, and short-term rentals and prepaid flight and hotel packages booked at AmexTravel.com and 1.5x points on eligible purchases with U.S. sellers of construction materials, hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else (on up to $2 million of these purchases per calendar year).
Praised by business travelers everywhere, the card delivers all the perks a traveler would value. Lounge access alone covers the annual fee, and when you add in 35% Pay With Points rebates on travel purchases (up to 1 million points per year), hotel and rental car status and benefits upon enrollment, and luxury hotel benefits with Amex Fine Hotels + Resorts and The Hotel Collection, there’s no better fit for the frequent business traveler seeking an American Express travel business card.
The card also comes with a host of statement credits, including:
- Up to $200 in airline credits
- Up to $209 in CLEAR Plus credit
- Up to $200 in Hilton statement credits
- Up to $1,150 in Dell statement credits – Up to $150 in statement credits on U.S. purchases directly with Dell Technologies and an additional $1,000 statement credit after you spend $5,000 or more per calendar year
- Up to $360 in Indeed statement credits
- Up to $250 in Adobe statement credits after qualifying purchases
- Up to $120 in wireless phone service statement credits
You must enroll for some of these benefits, which you can do on your Amex account. When we look at all of the American Express Business cards, no other comes close to delivering more value for travelers than the Amex Business Platinum card.
Yes, it does come with a high annual fee, but it delivers value for the frequent traveler far beyond the amount of that fee.
American Express® Business Gold Card (Best Business Card for Earning Points & Buying Ads)
ELEVATED OFFERTerms Apply / Rates & FeesApply Now(at Amex's secure site)100,000 pointsGood to Excellent
Terms Apply / Rates & FeesU.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.
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.
Up to $2,200
$375
18.49% - 29.24% Variable
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.
Why We Like This Card
The American Express® Business Gold Card is excellent at racking up rewards for your business spend.
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
- Access to Amex’s The Hotel Collection
Cons
- $375 annual fee (rates and fees)
- No elite travel benefits like airport lounge access or elite status
Card Highlights
- 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.*
- 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% - 29.24% Variable
- Foreign Transaction Fees: None
Rewards Center
Another solid business card is the Amex Business Gold card, which rewards your greatest purchases with 4x points on the 2 select categories where your business spent the most each month for the first $150,000 annually (then 1x). This ensures your greatest spending categories earn the greatest rewards. You select eligible bonus categories from a list of 6 common business-expense categories:
- Transit purchases including trains, taxicabs, ride-share services, ferries, tolls, parking, buses, and subways
- Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
- U.S. purchases made from electronic goods retailers and software & cloud system providers
- U.S. purchases for advertising in select media
- U.S. purchases at gas stations
- U.S. purchases at restaurants, including takeout and delivery
Points add up quickly if your business spends significantly in a particular category.
Final Thoughts
If you’re looking for a premium business credit card that is great for travel and offers access to airport lounges, consider the Amex Business Platinum card.
On the other hand, if your business has large expenses and you’re looking to earn as many points as possible, then the Amex Business Gold card might suit you better.