Amex Cards Business – Jason Stauffer can be found patiently waiting for the next opportunity to join the branch when he’s not covering credit card news for TPG. His favorite food is one he hasn’t had yet and he’s always on the lookout for unique local delicacies.
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Amex Cards Business
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Wanting to sign up for a small-business credit card because you’re not sure how to apply, you’re leaving points on the table. You don’t have to own a traditional brick-and-mortar business to get a business card. You may be eligible if you are a freelancer, Uber or Lyft driver or have a profitable side hustle.
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American Express offers a large portfolio of business cards, so you’re bound to find something that fits your business needs. In this guide, we’ll break down the American Express Business Card requirements to help you answer some confusing application questions.
Before we begin, it’s important to know that you can only receive a welcome offer for a specific Amex business card once per lifetime. This same limitation applies to Amex customer cards. But there are several great Amex business cards to choose from, so you have plenty of options.
You can earn flexible Amex Membership Rewards points with The Business Platinum Card® from American Express, which currently has a welcome offer of 120,000 points after spending $15,000 on qualifying purchases in the first three months of card membership. If you’re looking for a card with no annual fee (see rates and fees), you can also choose The Blue Business® Plus Credit Card from American Express, which earns 2 Membership Rewards points per dollar spent on every first-time purchase on eligible purchases per calendar year. For $50,000 spent, then 1 point per dollar spent.
Amex also issues several cobranded small-business credit cards. If you’re looking for free hotel stays, The Hilton Honors American Express Business Card comes with automatic Gold Hilton status, 10 Priority Pass airport lounge visits per year (enrollment required for select amenities) and a whopping 130,000 Hilton Honors bonus in the first three months of card membership. points after spending $3,000 in purchases on the card. Or, you can choose to earn Delta SkyMiles with a business Delta credit card, offering benefits like priority boarding and a free checked bag for you and up to eight companions.
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Applying for an Amex small-business card is almost the same process as applying for a personal Amex credit card. However, there are some differences that can be difficult to navigate if this is your first time applying for a business card.
If you already have an Amex credit card, you can sign into your account to shorten the application process. But if you’re new to Amex, the first page of your business-card application will look like this:
Basic information, such as your email address, is straightforward, so let’s look at the boxes that can be tricky:
Most of the questions here are straightforward, but in the “Total Annual Income” box, make sure you include all of your eligible income. This includes any income you can reasonably expect to use to pay your bills. For me, I can include my wife’s income and my income in this category. Your “gross annual income” will also include any profits you make from your business.
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The “Non-Taxable Annual Income” box is optional and can be left blank. However, if you receive any income that is exempt from federal income tax (Social Security, child support, disability benefits, etc.) you can add to that annual total.
The final step is to select the address (home or business) where you want American Express to send your bill and review the terms. At this point, you can save the application and apply later or submit it for review. Often you’ll get an immediate response, but sometimes your application may go into pending status if Amex needs more information from you.
If your card application is declined or placed in the pending category, one option is to call Amex’s reconsideration line (1-877-567-1083 for new accounts). Sometimes, answering a few simple questions or verifying minor details is all you need to get an application approved. At other times, you may be able to transfer credit from an existing account to a new card or close an existing account to approve your new application. Every situation is different, but speaking with an agent on the phone is an opportunity to humanize your application — or at the very least, find out why your application was rejected.
Even if you only have a part-time side hustle, you can meet the requirements for an American Express Business Card. One benefit of applying for an Amex business card is that it won’t show up on your personal credit report, which means it doesn’t add to your Chase 5/24 count. And since Amex limits you to earning a welcome offer for a particular card once per lifetime, applying for a business card will expand your options for earning new bonuses. For example, there are three Amex Delta business cards in addition to the available consumer cards, and each card is considered a separate product, so opening a Delta business card does not allow you to open a personal version of that card later.
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If you’re a business owner, follow our steps above to apply for an American Express Business Card to be well on your way to even more rewards.
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Amex Business Platinum: Adding Authorized Users [benefits]
One of the best cards for business owners, it will give you 4X points on select purchases up to $150,000.
The American Express Business Gold Card is one of the best cards for business owners. Not only will cardholders have access to great expense management tools, but they’ll also earn 4X points on select purchases, 70,000 reward points on $10,000 in spending in the first three months, and a 25% airline bonus.
If you’re a frequent flyer, there’s probably no better card on the market for you and your company.
Intro BonusWelcome Offer: Earn 70,000 Membership Rewards® points after spending $10,000 on qualifying purchases with the Business Gold Card within the first 3 months of card membership.*
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