Business cards
With no annual fee, AMEX business cards are designed for straightforward expense management. They offer up to 42 days interest-free to help businesses manage cash flow.
What is American Express?
American Express (or AMEX) is one of the world’s most established financial services companies. It has been offering credit cards since the 1950s and is now a leading provider of business cards globally.
Its business credit cards are known for generous rewards, premium travel benefits, and tools that help manage employee spending.
With a long-standing reputation for customer service, AMEX business cards are often chosen by companies that want to get valuable perks from everyday business spending.
What types of business credit cards does AMEX offer?
AMEX offers a choice of business credit cards ranging from a basic card to high-fee cards with rewards.
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Rewards business cards
Five different rewards credit cards are available, with annual fees from £0 to £650. Perks vary from simple cashback and Amazon rewards to premium benefits like access to airport lounges and hotel upgrades.
What features do AMEX business credit cards offer?
There are several reasons your business might want to opt for an AMEX business credit card. Here are just a few:
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Extended payment window
Enjoy up to 54 days to pay on purchases, helping with business cash flow planning.
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Dynamic spending power
Some AMEX business cards offer no preset spending limit. They adjust based on your business activity and credit profile.
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Membership rewards
Earn points per £1 spent on eligible purchases, which can be redeemed for travel, gift cards, and more.
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Bonus point triggers
Some cards reward you with up to 10,000 bonus points per quarter when spending thresholds are met.
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Employee card support
Add multiple employee cards at no extra cost, with tools to control and monitor staff spending.
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Business tools access
Make use of digital apps for expense management, alerts, and business savings.
Do AMEX business credit cards charge fees?
The cost of an AMEX business credit card varies depending on the card type. Entry-level options come with no annual fee, while rewards cards carry yearly charges that can range from a nominal amount up to £650.
Cardholders should note that late or missed payments may trigger penalty fees, and interest will build up if balances are not paid off in full each month. Choosing the right AMEX business card depends on balancing cost against the value of any rewards or bonuses on offer.
Pros and cons of business credit cards
There are advantages and disadvantages to getting a business credit card. These include:
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Advantages
Separates business and personal spending, making accounting simpler
Helps build your business credit history, which is useful when applying for loans
Can earn rewards, cashback or benefits
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Disadvantages
Interest charges are high if you carry a balance
Annual fees may reduce the value of any perks
Easy to overspend, which could harm your business credit rating
How to choose the best AMEX business credit card
The best business credit card will depend on what you want from the card. Ask yourself the following:
Are we looking to maximise rewards?
AMEX offers a range of business cards with varying reward structures. Some cards provide membership rewards points on every eligible £1 spent, which can be redeemed for travel or gift cards.
Do we want a higher credit limit?
AMEX business credit cards can offer flexible spending power, adapting based on your business spending and payment history. This flexibility can support businesses with varying cash flow needs
Do we need a card that works for multiple employees?
AMEX allows you to add extra cards for employees. This feature helps streamline accounting and monitor spending across your team
Do we want to keep costs to a minimum?
The business basic charge card comes with no annual fee, making it a cost-effective option for businesses seeking just the essential features.
Do we want fast access to credit?
AMEX provides quick application processes for their business cards, with many decisions made instantly. This ensures that businesses can access additional credit when needed without prolonged waits.
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What other financial products for business does AMEX offer?
AMEX is focused on payment solutions for business. As well as its credit card options, it offers:
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Merchant services
AMEX provides merchant services to businesses, enabling them to accept payments from AMEX cardholders. This includes setting up payment acceptance solutions and managing transactions.
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Corporate solutions
For larger businesses AMEX offers corporate solutions that include tools for managing employee expenses, travel bookings, and reporting. These services are designed to streamline business operations and improve financial oversight.
Our expert says…
A business credit card can be a smart way to manage cash flow and keep company spending under control. Not only do they separate business and personal expenses, but many also offer rewards and interest-free periods that can help businesses make their money work harder.
Tim Heming Personal Finance Expert
Compare business credit cards with MoneySuperMarket
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Review business cards
Browse different business credit card deals to find ones that fit your company goals.
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Tailor your search
Use filters for rewards, annual fees, and perks to focus on the most relevant options.
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Compare benefits
Look closely at features like payment windows, cashback, or travel extras, and balance these against any costs.
What are the alternatives to a business credit card?
If a business credit card isn’t the right fit, there are other ways to keep cash flowing smoothly:
Are AMEX business credit cards widely accepted?
Yes, AMEX acceptance in the UK and abroad has grown significantly in recent years. Most large retailers, hotels, and online platforms accept AMEX, though some smaller businesses may not.
Do AMEX business cards affect my personal credit score?
Applications usually involve a personal credit check, which may leave a footprint on your file. Responsible use of the card can help strengthen both your business and personal credit standing over time.
Are we eligible for an AMEX business credit card?
Different types of AMEX business credit cards will have different eligibility requirements, but are likely to include:
You must be 18 years or older
You need a permanent UK home address
Your business must hold a UK bank or building society account
Neither you or your business have any existing County Court Judgments (CCJs)
A good to excellent credit score is typically required
Minimum income thresholds stand for higher tier cards
Applicants must be sole traders, partnerships, or limited companies registered and operating in the UK
*Meeting the criteria does not guarantee acceptance
Can I issue additional cards for employees?
Yes, AMEX allows employee cards at no extra cost on most business accounts. These cards can help consolidate expenses and make tracking business spending much easier.
What happens if I miss a payment?
Missing or making a late payment may trigger fees and interest charges, and it could harm your credit profile. AMEX also reserves the right to adjust or restrict your spending power.
Is there a rewards cap on AMEX business cards?
No, most AMEX business cards let you earn rewards points or cashback without a cap. This means the more your business spends, the more rewards you can accumulate.
How quickly can I start using my card after approval?
Many businesses receive an instant decision when applying online. Once approved, physical cards typically arrive within 5 to 7 working days, while digital card details may be available for immediate use.
Reviewed on 30 Dec 2025 by
