American Express has an excellent portfolio of small business cards, and the cards often have increased welcome bonuses. In fact, many card issuers have focused on small business cards over the past few years, and you will often find that they offer better bonuses and welcome benefits than personal cards.
For those who may not be familiar with the process of requesting business cards, in this article I wanted to talk about Amex Small Business Cards – what offers are available, what are the benefits of requesting Amex Business Cards, and how. do you have to proceed on the application?
The best Amex business cards
There are several great American Express business cards out there, 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 wallet, which includes three business cards.
With Delta SkyMiles® American Express Gold Business Card (notice):
- Earn 50,000 bonus miles and a $ 50 credit on your statement after spending $ 2,000 on purchases with your new card in the first 3 months.
- Annual fees DeltaGoldBiz: (Tariffs and fees)
With Delta SkyMiles® American Express Platinum Business Card (review):
- Earn 60,000 bonus miles, 5,000 Medallion® Qualifying Miles (MQM) and $ 100 credit after spending $ 3,000 on purchases on your new card in your first 3 months.
- $ 250 annual fee (Tariffs and fees)
With Delta SkyMiles® Book the Business American Express card (notice):
- Earn 60,000 bonus miles, 10,000 Medallion® Qualifying Miles (MQM) and $ 100 credit after spending $ 4,000 on purchases with your new card in your first 3 months.
- $ 550 annual fee (Tariffs and fees)
Hilton Business Amex
Hilton and Amex have a co-branded card wallet, which includes the Hilton Honors American Express business card (review):
- Earn up to 180,000 Hilton Honors Points – earn 130,000 points after spending $ 2,000 in the first three months, plus an additional 50,000 points after spending a total of $ 10,000 in the first six months
- $ 95 annual fee (Tariffs and fees)
Marriott Business Amex
Marriott and Amex have a co-branded card wallet, and on the business side, they have Marriott Bonvoy Business ™ American Express® Map (notice):
- Earn 75,000 bonus Marriott Bonvoy points after using your new card to make $ 3,000 in qualifying purchases during the first 3 months of card membership. Plus, get up to $ 150 in statement credits on qualifying purchases made with your new card within the first 3 months of card membership.
- $ 125 annual fee (Tariffs and fees)
Amex Business Blue Plus
If you’re looking for the best Amex No Annual Fee Business Card that earns Membership Rewards points, then the American Express Blue Business® Plus Credit Card (review) is the clear winner. The card also recently received a new welcome bonus:
- Earn 15,000 Membership Rewards points after spending $ 3,000 in the first three months (the card previously did not have a publicly available welcome bonus)
- Earn 2x Membership Rewards points on the first $ 50,000 spent annually on all qualifying purchases (then 1x points thereafter)
- $ 0 annual fee (Tariffs and fees)
Blue Business Cash Amex
As far as I’m concerned, there is a great Amex cash back business card, which has a generally similar rewards structure to Blue Business Plus, and that is the Blue Business Cash ™ card from American Express (review ). The card also recently received a new welcome bonus:
- Earn $ 250 credit after spending $ 3,000 in the first three months (the card previously did not have a publicly available welcome bonus)
- Earn 2% cash back on the first $ 50,000 spent annually (and then 1% cash back thereafter)
- $ 0 annual fee (Tariffs and fees)
Amex Gold Company
If you are looking for the best Amex business card with bonus categories that earn Membership Rewards points, then the American Express® Business Gold (review) card is the obvious choice:
- Earn 70,000 Membership Rewards points after spending $ 10,000 in the first three months
- Annual fee of $ 295 (Tariffs and fees)
- The card offers 4x points in the two categories you spend the most each month, for 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 , U.S. purchases for shipping, U.S. computer hardware, software, and cloud computing purchases made directly from select vendors
Amex Business Platinum
If you’re looking for the best Amex business card with perks like lounge access, then the American Express Business Platinum Card® (review) is your best bet:
- Earn 120,000 bonus Membership Rewards points after spending $ 15,000 in the first three months
- Annual fee: $ 595 ($ 695 if the request is received on or after 01/13/2022) (Tariffs and fees)
- The card offers many perks that help offset it, including all kinds of credits, Priority Pass membership, access to Delta SkyClubs when traveling with Delta on the same day, access to the Amex Centurion lounge, and more.
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 towards Chase’s 5/24 limit; this is because these requests are usually not reported on your personal credit report
- If you already have an Amex card and apply for another Amex card, your credit will not be initially withdrawn; this means that if you get a preliminary denial based on existing information it will not affect your credit score
- Among business credit cards, I find Amex cards to be much easier to approve than Chase or Citi cards, so this is a great place to start if you’re getting your first business card.
Restrictions on requesting Amex business cards
Amex’s general restrictions on card applications are as follows:
- You can generally have at most five Amex credit cards at any one time, which does not include hybrid cards, like Amex Business Gold; it doesn’t matter if the credit cards are personal or business
- You can usually be approved for no more than two American Express credit cards in 90 days, although there are some inconsistencies in this regard.
How to complete an Amex business card request
Those who already have business credit cards are likely familiar with the application process, but for those who don’t, here’s what you need to know.
It can be intimidating to apply for your first business credit card, even if you are a small business or sole proprietorship you should qualify. When applying for an Amex business card, you will be asked the following questions:
- Legal name of the company
- Business address and telephone number
- type of industry
- Company structure
- Years of activity
- Number of employees
- Annual sales
- Estimated monthly expenses
- Federal tax identification number
If you are a sole proprietorship, how should you go about it? First and foremost, answer everything honestly. I think the concern that a lot of people have is that they think they need an incorporated business, a separate office, etc. in order to be considered for a card. visit. This is not the case:
- You can use your name as the legal name of your business
- Business address and phone number may be the same as your home address and phone number
- You can select “other” as the industry type, if this is the case.
- If you are a sole proprietorship, you can select it as your business structure
- In terms of years of activity, there’s no shame in saying it’s been less than a year, one to two years, etc.
- In terms of number of employees, to say that one is perfectly good
- For the federal tax ID number, you can put your social security number
While a lot of people are intimidated by asking for their first business card, I think most are pleasantly surprised at the results. Again, the most important thing is to always be truthful about the app.
American Express business cards can be great additions to your wallet, so hopefully this will be helpful for anyone who hasn’t applied for an Amex business card yet. Even if you are not someone who has requested Amex business cards before, you might be pleasantly surprised with the results.
Right now, there are particularly great offers on Amex Business Cards, especially Delta Cards, Hilton Cards, and Amex Business Gold.
What is your experience with requesting Amex business cards?
The following links will direct you to the rates and fees for the mentioned American Express cards. These include: American Express® Business Gold Card (Tariffs and fees), Delta SkyMiles® Reserve Business American Express Card (Tariffs and fees), the Delta SkyMiles® Gold Business American Express card (Tariffs and fees), Delta SkyMiles® Platinum Business American Express card (Tariffs and fees), the Blue Business® Plus credit card from American Express (Tariffs and fees), the Business Platinum® card from American Express (Tariffs and fees), the Hilton Honors American Express business card (Tariffs and fees), the Marriott Bonvoy Business ™ American Express® card (Tariffs and fees) and American Express® Blue Business Cash Card (Tariffs and fees).