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Unleashing the Power of American Express Business Cards

American Express Business Cards Overview

American Express business cards offer a wealth of benefits, including perks and reward points, for business owners looking to streamline their finances and earn rewards for their everyday spending. There are several different types of American Express business cards, each with its own unique set of benefits and features to meet the needs of different business owners.

Types of American Express Business Cards

One of the most popular American Express business cards is the American Express

Business Gold Card. This card offers a flexible rewards program that allows you to choose the categories where you want to earn the most points, including travel, advertising, shipping, and gas purchases.

Cardholders also have access to 24/7 customer service, purchase protection, and card benefits like expense management and free employee cards. Another popular American Express business card is the Delta SkyMiles Business Credit Card.

This card offers perks and rewards for frequent Delta flyers, including bonus miles for Delta purchases, free checked bags, and access to the Delta Sky Club. Cardholders can also earn bonus miles for everyday purchases and redeem miles for flights, upgrades, or merchandise.

Comparison of American Express Business Cards

When comparing American Express business cards, it’s important to consider the perks and reward points offered by each card. For example, the American Express

Business Platinum Card offers a generous welcome bonus, airport lounge access, concierge services, and statement credits for travel purchases.

This card is perfect for business owners who do a lot of traveling. The American Express Blue Business Cash Card, on the other hand, offers cashback rewards for everyday purchases, with no annual fee.

Cardholders can earn 2% cashback on all eligible purchases up to $50,000 per calendar year, and 1% cashback on all other purchases.

Marriott Bonvoy Business American Express Card

For business owners who frequently travel and stay in Marriott hotels, the

Marriott Bonvoy Business American Express Card is the perfect choice. This card allows you to earn reward points for every dollar spent on eligible purchases, including hotel stays, rental cars, and flights.

Cardholders can also earn free hotel nights and Elite status, which offers exclusive perks like room upgrades and late checkout. Benefits of the

Marriott Bonvoy Business American Express Card

One of the biggest benefits of the

Marriott Bonvoy Business American Express Card is the ability to earn reward points quickly and easily.

Cardholders earn 6X points per dollar spent on eligible purchases at Marriott hotels, 4X points per dollar spent at U.S. restaurants, gas stations, and shipping providers, and 2X points per dollar spent on all other eligible purchases. These points can be used for free hotel nights, room upgrades, or other rewards like flights and merchandise.

Cardholders also receive automatic Silver Elite status, with the option to earn Gold Elite status with $35,000 in eligible purchases per year. Elite status offers a range of exclusive benefits, including room upgrades, late checkout, and free Wi-Fi.

Marriott Bonvoy Air+Car Transfer Program

Another great feature of the

Marriott Bonvoy Business American Express Card is the Air+Car Transfer Program, which allows you to transfer Marriott Bonvoy points to several different travel partners, including leading airlines and car rental companies.

This means you can use your reward points for flights, car rentals, and other travel expenses, making it easy to plan and book your next business trip. In conclusion, American Express business cards offer a range of benefits and perks for business owners, including flexible reward programs, travel perks, and access to exclusive services.

The

Marriott Bonvoy Business American Express Card is a great choice for business owners who frequently travel and stay in Marriott hotels, with the ability to earn reward points quickly and easily and access to exclusive perks and benefits.

Blue Business Plus Credit Card

The

Blue Business Plus Credit Card from American Express is a popular choice for small business owners who want to earn rewards points without an annual fee. This card offers a number of features that make it a great option for everyday business expenses, as well as an introductory APR that makes it easier to manage your finances.

Features of the

Blue Business Plus Credit Card

One of the biggest selling points of the

Blue Business Plus Credit Card is the fact that there is no annual fee. This means that you can earn rewards points for your business expenses without having to worry about paying a fee every year.

Additionally, this card offers an introductory APR of 0% on purchases for the first 12 months, making it easier to manage your expenses and pay off your balance over time. Cardholders also earn Membership Rewards points for every dollar spent, with no category restrictions.

You can earn 2X points on all eligible purchases, up to $50,000 per year. After that, you will earn 1X point per dollar spent.

These points are flexible and can be redeemed for a variety of rewards, including travel, merchandise, and gift cards. Spending Beyond Credit Limit with the

Blue Business Plus Credit Card

One unique feature of the

Blue Business Plus Credit Card is the ability to spend beyond your credit limit.

If you need to make a purchase that is larger than your credit limit, this card will allow you to do so, with no penalty fees. Instead, you will earn Membership Rewards points for every dollar spent.

However, it’s important to note that spending beyond your credit limit does have some limitations. You will need to adjust your spending limit before making the purchase, and the amount you can spend beyond your credit limit will depend on your credit history and other factors.

Additionally, while there are no penalty fees associated with spending beyond your credit limit, you will still need to pay off the balance in full at the end of the billing cycle.

Business Gold Card

The

Business Gold Card from American Express is another great option for business owners who want to earn rewards on their everyday expenses. This card offers a flexible rewards program, with the ability to earn points on specific spending categories.

Additionally, this card offers a Pay Over Time option, which allows you to carry a balance on eligible purchases. Benefits of the

Business Gold Card

One of the biggest benefits of the

Business Gold Card is the ability to earn Membership Rewards points for every dollar spent.

This card offers a flexible rewards program that allows you to earn 4X Membership Rewards points on two categories of your choice from a list of six, including airfare purchased directly from airlines, U.S. gas stations, and advertising purchases made in the U.S. Additionally, this card offers 25,000 bonus points when you spend $5,000 in the first 3 months after opening the account. Pay Over Time Option with the

Business Gold Card

In addition to its rewards program, the

Business Gold Card also offers a Pay Over Time option.

This option allows you to carry a balance on eligible purchases, with interest charged on the balance. This can be a useful feature if you need to make a large purchase or if you need to manage your cash flow.

However, it’s important to note that interest charges will apply if you choose to carry a balance, and carrying a balance can impact your credit score. To be eligible for the Pay Over Time option, you must have eligible purchases totaling $100 or more in a billing period.

You can choose to pay the balance in full, or you can pay a minimum amount due each month. Additionally, purchases made under the Pay Over Time option do not earn rewards points, so it’s important to weigh the benefits of carrying a balance against the cost of interest charges.

In conclusion, the

Blue Business Plus Credit Card and the

Business Gold Card from American Express are two great options for small business owners looking to earn rewards for their everyday expenses. The

Blue Business Plus Credit Card offers a no annual fee and an introductory APR, as well as the ability to spend beyond your credit limit, while the

Business Gold Card offers flexible rewards and a Pay Over Time option.

Business Platinum Card

The American Express

Business Platinum Card is a premium credit card designed for business owners who want to get the most out of their spending. While it comes with a high annual fee, this card offers a range of features and benefits that can help you earn rewards quickly and access exclusive services.

Features of the

Business Platinum Card

One of the key features of the

Business Platinum Card is its annual fee, which is higher than most other business credit cards. However, this fee is offset by a range of benefits that can help you save money and earn rewards.

For example, this card offers an introductory APR of 0% on purchases for the first 12 months, as well as a range of perks like airport lounge access, concierge services, and statement credits. Cardholders also earn Membership Rewards points for every dollar spent, with no category restrictions.

You can earn 1.5X points on all eligible purchases over $5,000, up to 1 million additional points per year. Additionally, this card offers a wide range of travel perks, including access to Global Lounge Collection, which includes more than 1,200 airport lounges worldwide.

5X Points and $200 Airline Fee Credit with the

Business Platinum Card

One of the biggest benefits of the

Business Platinum Card is the ability to earn 5X Membership Rewards points on flights and prepaid hotels when booked with Amex Travel. This can be a great way to earn points quickly and redeem them for travel rewards like flights, hotel stays, and car rentals.

In addition to this reward point benefit, this card also offers a $200 airline fee credit statement that you can use towards incidental fees on one selected airline. This statement credit includes fees charged for baggage, upgrades, or other services provided by the airline, but not flights themselves.

To receive this credit statement, you will need to select one airline as your preferred airline for the year. Once you have selected your airline, you can use the credit statement towards applicable fees with that airline.

This can be a great way to offset some of the costs associated with air travel, and it’s an ideal benefit for frequent flyers. In conclusion, the

Business Platinum Card is a premium credit card that offers a range of benefits and features designed to help business owners earn rewards and access exclusive services.

From the higher annual fee to the 5X bonus on flights and prepaid hotels booked on Amex Travel, this card offers a range of benefits that can help you earn points quickly and redeem them for travel rewards. Additionally, the $200 airline fee credit statement is a great way to offset the costs of air travel, making this card a popular choice among frequent flyers and business travelers.

In summary, American Express business cards offer a range of features and benefits to help small business owners streamline their finances, earn rewards, and access exclusive services. From the no annual fee

Blue Business Plus Credit Card to the premium

Business Platinum Card, these cards offer a flexible rewards program that allow you to earn points quickly and redeem them for a range of rewards.

Additionally, these cards offer unique features such as spending beyond credit limits and flexible payment options. Takeaway from this article is that American Express business cards can help you get a leg up when it comes to managing your business finances and earning rewards.

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