Managing expenses efficiently and strategically can significantly impact a business’s profitability and growth. A corporate credit card is one of the most powerful tools for managing business-related spending. American Express offers a variety of business credit cards, each designed to meet different needs, from high-spending corporations to small businesses with more modest budgets. Focusing on providing valuable rewards, comprehensive benefits, and excellent customer support, American Express business cards are a popular choice for companies worldwide.
Whether your business requires you to travel frequently, needs efficient spending management tools, or if you are looking for a decent reward program, explore the top American Express business cards available.
No matter if you’re leading a startup or managing a multinational company, knowing the advantages and costs of these cards can really help you gain an edge in handling your business finances effectively.
Table of Contents
Here is a list of the best American Express Credit Cards for business.
1 Membership Rewards Point for every Rs. 100 spent on telecommunications, insurance, fuel and other utility services and 1 Membership Rewards Point for every Rs. 40 spent on all other spending.
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Card Details +
The American Express Platinum Corporate Card is designed for businesses with high travel and global operations. It offers unsecured credit limits and provides valuable welcome benefits, including complimentary vouchers from popular brands. Cardholders also enjoy unlimited access to over 1,400 airport lounges worldwide through the American Express Global Lounge Collection. With this card, you can earn Membership Rewards points on all business-related expenses. Points can be redeemed for gift vouchers, transferred to air miles or hotel partners, and more. Earn 1 point for every ₹100 spent on fuel, utilities, wholesale purchases, telecom services, and insurance bills, and 1 point for every ₹40 spent on other expenses.
1 RP for every ₹50 spent on business expenses, 1 RP for every ₹100 spent on wholesale spends, utility, fuel, etc.
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Card Details +
The card comes with a joining fee of ₹1,000 + GST and an annual renewal fee of ₹4,500 + GST. Cardholders earn 1 Reward Point (RP) for every ₹50 spent on business expenses and 1 RP for every ₹100 spent on wholesale purchases, utilities, fuel, and more. Enjoy access to 25 domestic airport lounges across India and receive two complimentary international lounge visits per year for both the primary cardholder and an add-on with Priority Pass Membership. Additional lounge visits will incur regular charges for Gold Card members. The card provides insurance coverage of up to ₹75 lakhs.
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The American Express Corporate Green Card is a simple corporate card designed to help businesses manage their expenses. There is no joining fee, and the annual renewal fee is ₹2,100. Cardholders earn 1 point for every ₹50 spent on business expenses and 1 point for ₹100 spent on fuel, utilities, telecommunications, wholesale spending, and insurance.
You can evaluate the needs of your business and choose the right American Express credit card. For example, if your business involves frequent travel, the American Express Platinum Corporate Card or Gold Corporate Card, with airport lounge access and travel-related perks, maybe the best fit. If you’re looking for a more cost-effective option with no joining fee, the Corporate Green Card provides excellent value while earning Membership Rewards points on every purchase. Evaluate which rewards program best suits your business needs. The Platinum Corporate Card offers more extensive earning opportunities, while the Corporate Green Card provides a simpler, lower-cost option. The Platinum Corporate Card may be the best choice for larger corporations with higher travel expenditures, while smaller businesses may find the Corporate Green Card more suitable.
Consider the following:
Here is a side-by-side comparison for a better understanding
| Particulars | American Express Platinum Corporate Card | American Express Gold Corporate Card | American Express Corporate Green Card |
| Joining Fee | N/A | ₹1,000 + GST | N/A |
| Renewal Fee | ₹40,000 + GST | ₹4,500 +GST | ₹2,100 + GST |
| Welcome Benefits | Either of the following
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N/A | N/A |
| Rewards Rate |
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| International Airport Lounge | Unlimited Access to 1400+ Airport Lounges Across the Globe with the American Express Global Lounge Collection | Two Complimentary Airport Lounge Access with Priority Pass | N/A |
There are not many business credit card options from American Express in India. However, the ones present are quite efficient. The decision to choose the perfect card for your business depends on its size and expenditure needs. The right business credit card has to offer the ultimate combination of travel-related perks, spending rewards, and annual fees. While American Express may be a popular choice in terms of credit cards, banks like HDFC also have a range of business credit cards that you can consider for your business.
The fees vary by card. For example, the American Express Platinum Corporate Card has a higher renewal fee of ₹40,000 + GST, and the American Express Gold Corporate Card has a renewal fee of ₹4,500 + GST. In contrast, the Corporate Green Card has an annual fee of ₹2,100 + GST.
American Express cards are accepted globally at millions of locations. However, in certain regions or markets, Visa or MasterCard may be more widely accepted, so it’s worth checking before traveling to remote areas.
The Platinum Corporate Card offers unlimited access to over 1,400 lounges globally. The Gold Corporate Card provides discounted access to 25 domestic lounges and two international lounge visits per year. The Corporate Green Card does not offer lounge access.
You can earn Membership Rewards points on every purchase made. The earning rate varies depending on the card. For example, the Platinum Corporate Card offers 1 point for every ₹40 spent. In comparison, the Gold Corporate Card gives 1 point for every ₹50 spent on most purchases and Earn 1 point on every ₹50 spent on all your business expenses except for fuel, utility, telecommunication, Wholesale Spends, and insurance, on which you earn 1 point per ₹100 spent with American Express Corporate Green Card.