![]() ![]() Can I apply for an American Express Small Business Credit Card online? Yes, you can apply for an American Express Small Business Card online. Only qualified individuals 18 or over may be approved for a Card Account. To apply for an American Express Small Business Card, you need to be authorized by your company to make financial decisions on its behalf. ![]() We're happy to help you find the Small Business Card that's right for you. How can I apply for an American Express Small Business Credit Card? Review the full range of Small Business Cards we have available and after choosing the Card that's right for your business, call us at 1-87 to apply by phone. ![]() Applying for an American Express Small Business Card.Partnership rewards: get rewards with our travel and business partners when you make an eligible purchase with your American Express Small Business Card. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment Cash back: use your American Express Small Business Card to help your business reduce costs with an Early Pay Discount or cash back in the form of a statement credit. American Express offers a range of Business Cards that allow you to earn Membership Rewards ® points. Choose a Small Business Card with the type of rewards that are best for your business: Membership Rewards ® : Your business can automatically earn points on eligible purchases you or your employees make. How can I use Small Business Credit Cards from American Express to benefit my business? From offsetting purchases on your statement or reducing travel expenses, to rewards from leading brands and Early Pay Discount , Small Business Cards from American Express can help in areas that matter to your small business. Using Your American Express Small Business Card. ![]() Will my business be charged interest? If you revolve any outstanding balance beyond your billing period, you will be subject to variable interest rates that depend on a number of factors. ‡ Minimum Payment Due must be paid by the Payment Due Date. There's no cap on how much you can earn and no purchase categories - just savings applied to your next statement. Plum Card Members can earn unlimited 1.5% cash back on the portion of your balance that you pay within 10 days of your statement closing date. These purchases that meet the threshold made by the Basic Card Member or any Additional/ Employee Card Member will automatically be included in a Pay Over Time balance each month.Īt the end of each billing cycle, the Card Member can choose to pay the statement balance in full without interest, pay the minimum amount due, or pay any amount in between with interest ‡. For traditional credit cards, a minimum amount is due and any unpaid balance at the end of a billing period will incur interest charges.įor Cards with the Pay Over Time option (Business Platinum, Business Gold, Business Green Rewards), Card Members have the option to carry a balance with interest on eligible charges of $100 or more. What will my business be required to pay each month? Depending on which American Express Business Card you choose, you could have the option to pay in full or carry a balance each billing cycle. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors. *No Preset Spending Limit does not mean unlimited spending. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history ‡. No Preset spending Limit means your spending limit is flexible. What kind of spending limit will my business get? American Express Small Business Cards give you either a set credit limit based on financial details and information we receive in your application, or a No Preset Spending Limit *. Rewards: Earn Membership Rewards ® points ‡, cash back in the form of a statement credit or partner rewards for purchases you and your employees make with your Business Cardsīuying Power and Cash Flow Management: These products can help you manage cash flow over short periods and can help provide the buying power for large business purchases.Įxpense Management Tools: Leverage a suite of expense management tools, such as American Express ® Business App ‡, Year-End Summary ‡, and Account Manager ‡ to track and organize your business expenses and help you efficiently manage your cash flow. Why would my business benefit from choosing an American Express Small Business Card? There are many benefits to choosing a Small Business Card from American Express, including: ![]()
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