At American Express, Membership is more than just a Card in your wallet – it’s an enduring relationship that can help you succeed. From the first Charge Card in the 1950s to today’s suite of Business Cards and products, American Express has continuously evolved to help meet the needs of its Members, including the many business owners and corporate leaders who drive industries forward.
For Business Card Members, this powerful backing comes in many forms – from Card benefits and business services to offers – designed to help you manage and grow your business.
In this guide, we’ll explore what makes American Express Business Membership so valuable – from the customer backing of American Express to the rewards that can help your business thrive. You’ll also discover:
The core benefits of Membership for business owners, including integrated business tools, top-tier customer support, offers, and rewards. Terms apply.
An overview of American Express Business Cards and products, such as Business Platinum and Business Gold Cards, the American Express® Business Line of Credit2, and American Express® Business Checking3 – along with their key Member benefits.
Whether you’re looking to streamline operations, earn rewards, or unlock special offers this Member Week and beyond, American Express has your back at every stage. Let’s meet the Membership benefits that make it all possible.
The Core Benefits of Membership
For business owners, the Membership journey begins with getting approved for an American Express Business Card or business product. From there, you gain access to the valuable backing your business deserves, from tools that help you manage cash flow and expenses to comprehensive customer support and exclusive benefits made to help move your business forward.
Cash Flow Tools and Insights
Business owners who are approved for an American Express Business Card or business product get access to American Express Business Blueprint™ 4, a free dashboard that helps them track expenses and manage their select American Express business products and view their select American Express and linked external business accounts. Additionally, Business Blueprint provides personalized insights to help business owners make informed decisions for the future.
Servicing and Security
Business Card Membership also means enhanced servicing, security, and support built on more than 150 years of trusted customer engagement. Enjoy peace of mind knowing that your Business Cards come with fraud protection features – so you can spend less time fretting about security and more time growing your business.
Membership Rewards® Program
Members can take advantage of the American Express Membership Rewards® program, earning points on eligible purchases. Those points can be redeemed for a variety of rewards – depending on the Business Card – including gift cards, statement credits, travel, and more.5
Business Cards and Products: A Closer Look
Many core benefits are available to all American Express Business Card Members – think servicing or rewards – while others are tailored to specific Business Cards and products. For example, some Business Cards are designed for frequent travelers, offering perks that can help elevate every trip, while others cater to those who enjoy fine dining and exclusive experiences. Each Business Card and product is unique, so be sure to explore your options and find the best fit for your business needs.
The Business Platinum Card from American Express offers a variety of Member benefits designed to help enhance business travel and maximize rewards. For full details on benefits, rates, and fees, click here.
American Express® Business Gold Card
The Business Gold Card helps Members maximize value on everyday business transactions. With flexible rewards and valuable benefits, Business Gold Card Members can earn more on the purchases that matter most. For full details on benefits, offers, rates, and fees, click here.
American Express® Business Line of Credit
From shoring up cybersecurity to delivering holiday bonuses and what’s in between, the American Express Business Line of Credit provides eligible business owners with flexible funding they can use across different aspects of their business.
American Express Business Checking Account
American Express Business Checking is an online bank account with no monthly fees3, 24/7 support, and the ability to earn Membership Rewards® points.
Deposit Accounts offered by American Express National Bank.
Conclusion
From managing cash flow with Business Blueprint to earning rewards on eligible purchases with your American Express Business Checking Account debit card, Membership with American Express is about giving you the confidence, flexibility, and support to help move your business forward. Whether it’s everyday spending, travel perks, or Member Week offers, your Membership is made to work for you.
Best of all, as a Member, you’re backed at every step – with powerful resources that can help you navigate challenges, seize opportunities, and maximize value. Wherever your business goes next, Amex is there to support, so you can focus on the journey – and whatever adventures await.
Benefit Terms and Conditions
1: Not all Cards are eligible to get rewards. Terms and limitations vary by Card type.
2: American Express Business Line of Credit
American Express® Business Line of Credit offers access to a commercial line of credit ranging from $2,000 to $250,000; however, you may be eligible for a larger line of credit based on our evaluation of your business. Each draw on the line of credit will result in either a separate installment loan or a single repayment loan. All loans are subject to credit approval and are secured by business assets. Every loan requires a personal guarantee. For single repayment loans, we charge a total loan fee that ranges from 0.95%-1.80% of the amount you borrow for 1-month loans, 1.90%-3.75% for 2-month loans, and 2.85%-6.05% for 3- month loans. Single repayment loans incur a loan fee at origination and the principal and total loan fee are due and payable at loan maturity. There are no required monthly repayments for a single repayment loan. Repaying a single repayment loan early will not reduce the loan fee we charge you. For installment loans, we charge a total loan fee that ranges from 3-9% of the amount you borrow for 6-month loans, 6-18% for 12-month loans, 9-27% for 18-month loans, and 12-18% for 24-month loans. Installment loans incur a portion of the total loan fee for each month you have an outstanding balance. If you repay the total of the principal of an installment loan early, you will not be required to pay loan fees that have not posted for subsequent months. For each loan that you take, you will see the applicable loan fee before you take the loan. Once you take the loan, the loan fees that apply to that loan do not change. We reserve the right to change the loan fees that we offer you for new loans at any time. American Express reserves the right to offer promotions to reduce or waive loan fees from time to time. Not all customers will be eligible for the lowest loan fee. Not all loan term lengths are available to all customers. Eligibility is based on creditworthiness and other factors. Not all industries are eligible for American Express® Business Line of Credit. Pricing and line of credit decisions are based on the overall financial profile of you and your business, including history with American Express and other financial institutions, credit history, and other factors. Lines of credit are subject to periodic review and may change or be suspended, accompanied with or without an account closure. Late fees may be assessed. Loans are issued by American Express National Bank. Member FDIC.
3: Membership Rewards® Program for Checking and Debit
When you open an American Express® Business Checking Account, you will also receive a Membership Rewards® Account, in which you will earn one Membership Rewards point for every two dollars of eligible Debit Card purchases. Eligible purchases are purchases for goods and services minus returns and other credits. For more information on eligible purchases, visit www.membershiprewards.com/terms. You can redeem Membership Rewards points for a deposit into your checking account. Click here to learn what other redemption options may also be available. If you also have a Rewards Account in connection with a Card Account, your Rewards Accounts can be linked and you will have access to all redemption options offered with that Card Account. For more information, visit www.membershiprewards.com/terms. Member FDIC.
4: American Express Business Blueprint™
American Express Business Blueprint™ is the small business digital experience that allows a customer to view on one digital dashboard summary account information for the following American Express small business products: American Express® Business Cards, American Express® Business Line of Credit, and American Express® Business Checking. The customer can also choose to link their third-party issued business bank accounts and business credit cards to Business Blueprint. Not all third party accounts or cards can be connected to Business Blueprint. Business Blueprint allows the customer to view data insights and track their business cash flow and expenses by viewing reports that American Express prepares using the customer’s linked account information. Business Blueprint provides a 30-day bank account balance projection, using the daily balances from the customer’s linked bank accounts from the last 90 days. To be used in the account balance projection, the customer’s bank account must have at least 90 days of data available. While the cash flow management service from Business Blueprint is currently free, each of the business products from American Express that are visible in Business Blueprint has its own fees, eligibility criteria, application process and approval requirements. The Business Blueprint service (including any data insights provided to the customer) does not constitute legal, tax, financial or accounting advice, and is not a substitute for obtaining competent personalized advice from a licensed professional. You should seek professional advice before making any decision that could affect the financial health of your business. American Express makes no representations as to the accuracy, completeness or timeliness of the reports, projections, data or account information that are available to the customer from Business Blueprint.
5: Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.