How to Apply for Amex Business Cards (2022)

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American Express has a large portfolio of small business cards, and the cards often have more welcome offers. In fact, many card issuers have focused on small business cards over the past few years, and you’ll often find that they offer better bonuses and welcome benefits than personal cards.

For those who may not be familiar with the business card application process, in this article I wanted to talk about small Amex business cards – what offers are available, what are the benefits of applying for Amex business cards and how should you go to apply?

The Best Amex Business Cards

There are several excellent American Express business cards, including some cards that earn Membership Rewards points, and some co-branded cards that can earn you valuable airline or hotel rewards.

Which card is best for your small business will depend on your travel goals. Here are some of my favorites.

Delta Business Amex

Delta and Amex have a co-branded card portfolio, which includes three business cards. Currently, all three Delta Business Cards have limited-time offers that expire April 13, 2022.

With Delta SkyMiles® American Express Business Gold Card (review):

  • Earn 75,000 bonus miles after spending $3,000 on purchases in the first three months
  • $0 annual introductory fee for the first year, then $99 (Rates and Fees)

With Delta SkyMiles® American Express Platinum Business Card (review):

  • Earn 100,000 bonus miles after spending $4,000 on purchases in the first three months
  • Annual fee of $250 (Rates and Fees)

With Delta SkyMiles® Reserve Business American Express Card (revision):

  • Earn 110,000 bonus miles after spending $6,000 on purchases in the first three months
  • Annual fee of $550 (Rates and Fees)
Redeem SkyMiles for Delta One travel

Hilton Business Amex

Hilton and Amex have a portfolio of co-branded cards, which includes the Hilton Honors American Express Business Card (review):

  • Earn 130,000 bonus points after spending $3,000 on purchases in the first three months
  • Annual fee of $95 (Rates and Fees)
Receive free breakfast with the Gold status that comes with the card

Marriott Business Amex

Marriott and Amex have a portfolio of co-branded cards, and on the business side they have the Marriott Bonvoy Business™ American Express® Map (revision):

  • Earn 100,000 bonus points after spending $5,000 on purchases in the first three months (limited time offer until May 18, 2022)
  • Annual fee of $125 (Rates and Fees)
Earn Marriott Bonvoy status easier with a co-branded credit card

Blue Business Plus Amex

If you’re looking for the best Amex business card with no annual fee that earns Membership Rewards points, then the Blue Business® Plus Credit Card from American Express (review) is a clear winner. The card also has an enhanced welcome offer:

  • Earn 15,000 Membership Rewards bonus points after spending $3,000 on purchases in the first three months
  • Earn 2x Membership Rewards points on the first $50,000 spent annually on all qualifying purchases (then 1x points thereafter)
  • $0 annual fee (Rates and Fees)
Earn lots of Membership Rewards points with this card

Blue Business Cash Amex

As far as I’m concerned, there’s a great Amex Business Cash Back Card, which has a generally similar rewards structure to the Blue Business Plus, and that’s the Blue Business Cash™ Card from American Express (review) :

  • Get a $250 credit after spending $3,000 on purchases in the first three months
  • Earn 2% cash back on the first $50,000 spent each year (then 1% cash back thereafter)
  • $0 annual fee (Rates and Fees)
This is the best Amex card for making money

Amex Gold Company

If you’re looking for the best Amex business card with bonus categories that earn Membership Rewards points, then the American Express® Business Gold Card (review) is the obvious choice:

  • Earn 70,000 Membership Rewards bonus points after spending $10,000 on purchases in the first three months
  • Annual fee of $295 (Rates and Fees)
  • The card offers 4x points in the two categories you spend the most each month, on a total of up to $150,000 in combined purchases each year; eligible categories include airline tickets purchased directly from airlines, purchases in the United States for advertising in certain media, purchases in the United States at gas stations, purchases in the United States at restaurants , purchases in the United States for shipping, purchases of computer hardware, software and cloud computing in the United States made directly from certain suppliers
Redeem Amex Points for travel on Singapore Airlines

Amex Platinum Company

If you’re looking for the best Amex business card with perks like lounge access, then The Business Platinum Card® from American Express (review) is your best bet:

  • Earn 120,000 Membership Rewards bonus points after spending $15,000 on purchases in the first three months
  • Annual fee: $695 (Rates and Fees)
  • The card offers many benefits that help offset it, including all kinds of credits, Priority Pass membership (registration required), access to Delta SkyClubs on a Delta flight on the same day, access to the Amex Lounge Centurions, etc.
Access Amex Centurion lounges with this card

Benefits of Applying for Amex Business Cards

There are a few things to know specifically about applying for Amex business cards. For the record :

  • The request for Amex business cards does not count against Chase’s 5/24 limit; this is because these inquiries are usually not flagged in your personal credit report
  • If you are an existing Amex cardholder and apply for another Amex card, your credit will not be charged initially; this means that if you get a preliminary denial based on existing information, it will not affect your credit score
  • Among business cards, I find Amex cards to be much easier to approve than Chase or Citi cards, so it’s a good place to start if you’re getting your first business card.

Restrictions on Applying for Amex Business Cards

Amex’s general restrictions on card applications are as follows:

  • You can usually have no more than five Amex credit cards at any given time, which doesn’t include hybrid cards with no preset spending limits, like Amex Business Gold; it doesn’t matter whether the credit cards are personal or business
  • You can generally be approved for at most two American Express credit cards every 90 days, although there are some inconsistencies on this.

How to Complete an Amex Business Card Application

Those who already have business credit cards probably know the application process, but for those who don’t, let’s talk about what you need to know.

It can be daunting applying for your first business card, even if you’re a small business or sole proprietorship, you should qualify. When applying for an Amex Business Card, you will be asked the following questions:

  • Company legal name
  • Business address and phone number
  • type of industry
  • Company structure
  • years of activity
  • Number of employees
  • Annual sales
  • Estimated monthly expenses
  • Federal Tax ID

If you are a sole proprietorship, how should you approach this? First, and most importantly, answer everything honestly. I think a lot of people’s concern is that they think they need an incorporated business, separate office, etc., to be considered for a business card. This is not the case:

  • You can use your name as your legal business name
  • The business address and phone number can be the same as your personal address and phone number
  • You can select “other” as the industry type, if the options do not otherwise describe your business
  • If you are a sole proprietorship, you can select this as your business structure
  • In terms of years in business, there’s no shame in saying it’s been less than a year, one to two years, etc.
  • In terms of number of employees, saying only one is perfectly acceptable
  • For the federal tax identification number, you can provide your social security number

While many people are intimidated when applying for their first business card, I think most are pleasantly surprised with the results. Again, the most important thing is to always be truthful about the app.

At the end of the line

American Express business cards can be very beneficial additions to your wallet, so hopefully this will be useful for anyone who hasn’t applied for an Amex business card yet. Even if you’re not someone who’s ever applied for Amex business cards, you might be pleasantly surprised by the results.

Right now there are some particularly great deals on Amex Business Cards, so now is a great time to take advantage of one of these offers.

What has been your experience with Amex business card requests?

The following links will direct you to the rates 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), the Blue Business® Plus credit card from American Express (Rates and Fees), American Express Business Platinum® Card (Rates and Fees), the Hilton Honors American Express Business Card (Rates and Fees), Marriott Bonvoy Business™ American Express® Card (Rates and Fees) and American Express® Blue Business Cash Card (Rates and Fees).

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