Best American Express Business Credit Cards in November 2025

The The Business Platinum Card® from American Express isn't cheap, but it's loaded with benefits that more than cover the hefty annual fee, assuming you spend enough in the relevant categories.

For example, you can get statement credits worth over $2,000 per year, but much of that comes from getting up to $1,150 back if you directly spend at least $5,000 annually with Dell (enrollment required).

If you're hiring, you can also get up to $90 back per quarter — $360 annually — when spending with Indeed (enrollment required).

While it's a great general-purpose card for big spenders, it's arguably first and foremost a travel card. Some other examples of credits include getting up to $200 back annually in incidental fees with one airline — so that's probably not helpful if you're a solopreneur flying basic economy, but it could pay off for a larger business owner expensing baggage fees if you're bringing samples to a tradeshow.

You also get access to the Amex Global Lounge Collection®, which is a very comprehensive network of airport lounges around the world. Plus, you automatically earn Hilton Honors™ Gold status and Marriott Bonvoy® Gold Elite status by having the card, among several other benefits.

Although the American Express® Business Gold Card has a high annual fee, the card's benefits and potential to earn rewards can make it very valuable to certain businesses.

The main perk is that you can earn 4x points on up to $150,000 in spending per billing cycle, based on where you spend the most money across certain spending categories, like restaurants or media advertising.

You have to do the math to see what you'd likely earn based on your situation, but for some businesses with high expenses, this customized reward rate can be valuable.

You also get perks that can cover some or all of the annual fee, including up to $240 total in statement credits per year from spending at FedEx, Grubhub, or office supply stores (enrollment required).

You can also get statement credits that cover a Walmart+ membership (subject to auto-renewal), which comes with benefits like free shipping/delivery.

The American Express Blue Business Cash™ Card doesn't come with many bells and whistles, but that makes it a great fit for businesses looking for a simple card — especially small businesses that don't want to pay high annual fees and jump through hoops to spend enough on certain categories to earn statement credits or points.

Instead, this card gives you 2% cashback — redeemed as a statement credit — on up to $50,000 in purchases per year. After that, you get 1% cashback.

While this card and its welcome offer might not be as lucrative as some others on this list, the simplicity of knowing the dollar amount you get back versus trying to figure out the rewards value is just what some business owners are looking for.

The Delta SkyMiles® Platinum Business American Express Card has a moderate annual fee, but the perks are often worth far more.

The best benefit is usually the Companion Certificate, which each year gives you a free round-trip Main Cabin ticket for someone you're traveling with (aside from taxes and fees) within the U.S. and to Mexico, the Caribbean, or Central America.

Another perk is getting a free checked bag for each Delta flight, so if you fly often for work, those savings can stack quickly. Plus, you get benefits like a $10 per month rideshare credit (enrollment required) to offset some of the cost of getting to the airport, as well as up to $120 annually in Resy credits (enrollment required), which helps if you're taking clients out for nice meals.

Also, this card helps you earn Delta loyalty status and points, with 3x miles on Delta and hotel purchases and $1 in Medallion® Qualification Dollars (MQD) for each $20 spent on the card.

If you're on the road a lot for work, the Marriott Bonvoy Business® American Express® Card can help you rack up free stays for a manageable annual fee.

For one, the card earns you a free night (up to 35,000 points) every year, which is often worth the annual fee alone. You also earn an extra free night by spending at least $60,000 on the card annually.

You can also get perks like a 7% discount on eligible Marriott bookings when using your card, and you automatically get Gold Elite status, which gives you benefits like late checkout.

Meanwhile, you can rack up Bonvoy rewards by earning 6x points on eligible Marriott purchases and 4x points across a few categories, such as restaurants worldwide and U.S. gas stations. At a minimum, you can earn 2x Bonvoy points on all purchases.

For those who do a lot of procurement for products like cleaning supplies, computer equipment, or breakroom food and drinks, the Amazon Business Prime Card could be very valuable.

You need an Amazon Prime membership to maximize this card's rewards, but assuming you do (sole proprietors can even add their business for free if they have a personal Prime account), you can get 5% back on up to $120,000 worth of spending with Amazon.

That includes purchases from Amazon.com and Amazon Business (the more procurement-forward arm of Amazon) in the U.S., as well as AWS and Whole Foods Market. After that limit, you get 1% back.

These rewards can be redeemed with Amazon or applied toward a previous purchase on your statement.

Meanwhile, you can avoid the high annual fees and foreign transaction fees that come with some other Amex cards.