At a Glance
- Growth often brings new demands on financial operations, particularly as spending becomes more distributed across employees, suppliers, and systems.
- Amex Corporate brings together American Express Corporate Cashback® Cards and Expense Management in one intelligent ecosystem, backed by dedicated 24/7 support.
- Designed to help businesses work smarter and prepare for what's next, Amex Corporate combines embedded AI tools with the trusted backing of American Express.
Business Spending Is Evolving
As organizations grow, managing spending becomes increasingly complex across employees, business units, and operational workflows. Managing those activities may involve multiple tools, processes, and stakeholders, creating challenges around visibility, oversight, and day-to-day administration.
Amex Corporate was built with those realities in mind. By bringing key spending activities into a single experience, organizations can access tools that support program administration, reporting, and employee expense management.
Built to Simplify. Designed to Scale. Intelligent tech, Corporate Cards, and trusted backing from the brand that knows business.
For illustrative purposes only.
Amex Corporate supports the way organizations operate, with solutions that can meet the needs of different employees, spending types, and business priorities. For one flat annual program membership fee of $2,950, organizations get unlimited Corporate Cashback Cards* to help support different employee roles, including core employees, frequent travelers, and senior leaders. The Amex Corporate program also includes benefits, rewards, and integrated Expense Management – spend less time submitting expenses. AI recommends expense details, simplifying the submission process for employees.**
*Company must request and be approved for Corporate Cashback Cards.
**For further information on how you can use AI on Expense Management, please refer to our Help Center.
Real American Express employee aware that this testimonial may be featured in marketing materials.
"Growing businesses are always looking for ways to modernize how they keep track of their spending without adding too much complexity. We focus on how Amex Corporate can empower these companies to adapt, innovate, and scale -- and the key is creating intuitive ways for them to control spend even before it happens, and see how their dollars are being put to work.”
— Widad Chaoui, SVP/GM Amex Corporate and B2B
One Smart Platform for Managing Business Spending
What works at one stage of growth may not work at the next. Amex Corporate unites Corporate Cashback Cards, expense management capabilities, and program management tools within a connected ecosystem, designed to support a range of business spending activities. As business needs evolve, organizations can adopt capabilities for their changing priorities while maintaining a consistent approach to managing company spending.
Bringing Spend Management Together
Managing business spending can extend beyond Card transactions alone. Organizations may also be managing employee expenses, reporting processes, and program administration activities.
Amex Corporate features a digital ecosystem that merges Corporate Cashback Card and Expense Management experiences within a connected environment. With the Expense Management platform, Program Administrators gain insights into tracking and approving spend across the business. Meanwhile, employees can use the Amex Expense™ app‡ to submit receipts and review their expenses while away from their desks.
This unified experience includes navigation across services, role-based workflows, and on-demand access to tutorials that support account setup and configuration for both the Expense Management platform and the Amex Expense app. Together with solutions such as Virtual Cards, these capabilities help organizations manage spending activities across the business.
Control and Oversight Across Company Spending
Visibility is often one of the most valuable assets a growing business can have. Understanding where money is being spent and maintaining compliance with company policies can help leaders better manage company spending activity.
With stronger reporting and oversight capabilities, organizations can better understand spending patterns, support policy adherence, and respond more proactively to changing business needs. Amex Corporate gives businesses the power of centralized control with department-level flexibility, allowing customization of expense forms, submission rules, and approval workflows to reflect company structure.
In Practice: A More Structured Approach to Supplier Payments
Real American Express Card Member aware that this testimonial may be featured in marketing materials.
Customer Perspective
“Account support is critical for us. When issues arise, having access to customer service allows us to resolve them quickly and keep operations moving.”
— Krissy Delarmente, Lead Controller, Solberg Manufacturing Inc.
Read Solberg Manufacturing Inc.’s story.
Live Dedicated Support, Enhanced by Technology
The challenge for many growing organizations is not simply adding more solutions, but finding ways to connect capabilities, workflows, and support in a way that helps teams manage spending activity with greater clarity. As businesses evaluate changing spending needs, implement new solutions, coordinate across stakeholders, or manage evolving operational requirements, human guidance can remain an important part of the experience.
Amex Corporate provides more than tools alone. Businesses can access support, guidance, and expertise, along with digital capabilities, that help support program management, expense workflows, and day-to-day administration. Intelligent tools, including AI-enabled capabilities, can help support expense capture and review—working alongside human support to help organizations manage change as business needs evolve.
Real American Express employee aware that this testimonial may be featured in marketing materials.
“As a business grows, their corporate program needs to stay flexible so it can grow alongside it. Our teams work with customers to help optimize their specific program to fit any policy or workflow; the backing of American Express helps with business scaling well beyond issuing more Cards.”
— Maureen Rhodes, VP/GM Early Experience & Expense Management Delivery, American Express
A Foundation for Success
For illustrative purposes only.
Building the right operational framework is an important part of launching the Amex Corporate program. Depending on a company's needs, onboarding support may include guidance on Card rollout planning, spend controls, administrator setup, and other considerations to help organizations adopt and manage their program effectively.
In addition to onboarding support, organizations can access self-service capabilities designed to support user management, role configuration, policy setup, and ongoing program administration as business needs evolve. Through Expense Management and the Amex Expense app, employees and administrators can manage expenses, approvals, AI-powered receipt capture, and reporting through connected digital experiences, while continuing to have access to human support and expertise when needed.
Guidance Through Complexity
As organizations expand, challenges do not always fit neatly into a product category.
A company may be evaluating how to support expansion, improve visibility into spending activity, implement stronger controls, or navigate increasingly complex financial processes. In situations like these, businesses can benefit from guidance that extends beyond day-to-day administration.
Amex Corporate Account Executives*** work with organizations to evaluate needs, identify opportunities, and coordinate across teams to support business objectives.
*** Support from American Express Account Executives is only available to eligible American Express Corporate Program customers with annual spend of greater than $1M. Other eligibility factors, such as account standing, may apply. Eligibility criteria are subject to change without notice.
In Practice: Optimizing a Growing Program
Real American Express Card Member aware that this testimonial may be featured in marketing materials.
Customer Perspective
“We’re using our Platinum Card for gas; we use it when Erick has to travel. We sometimes use it for lunch meetings. It’s easier to just make a one-time payment for all your expenses.”
— Laura Colorado, Office Operations, Billing, Payroll, and Accounting, Colorado's Drywall & Painting
Read Colorado's Drywall and Painting's Story.
Flexibility, Rewards, and Backing for the Evolving Business Landscape
Growth creates opportunity—as well as new demands on financial oversight, spending capacity, and operational flexibility. As spending expands across employees and operational needs, organizations may need Card solutions that can support different types of business spend while offering rewards options aligned to their priorities, including Corporate Cashback Cards.
Amex Corporate provides organizations with tools that help support visibility and informed decision-making while offering flexible Card program options that can adapt to growing operational demands.
Rewards That Reflect Business Priorities
The value of Amex Corporate extends beyond payments.
Through a variety of different Card choices, organizations can choose from Corporate Membership Rewards®, Individual Membership Rewards®, and, where applicable, Corporate Cashback. With American Express Corporate Cashback® Cards*, companies can earn 1.5% cash back§ on eligible purchases up to $10 million per calendar year across all of your company’s Corporate Cashback Cards, then 1% thereafter.‡
*Company must request and be approved for Corporate Cashback® Cards.
§Cash back is issued in the form of a monthly statement credit to the company’s centrally billed amount.
Depending on the Cards and programs selected, businesses and employees may also have access to additional benefits and features to support the Card Member experience. Together, rewards and benefits can help organizations get more from eligible business spending while creating a program that reflects the way they operate.
Not all Cards are eligible to earn rewards. Terms and conditions vary by Card type.*
Flexible Program Design
****The American Express Corporate Card program digital application is available to customers who meet certain eligibility requirements. Applicants may be routed to a corporate specialist to complete or continue their application, based on a number of factors, including annual revenue. Additional information or documentation may be required to obtain an approval.
The application is subject to approval by American Express. There is no guarantee of approval for the Corporate Card program. Saved applications may be accessible for 30 days from the last date you’ve accessed your application.
The estimated timeframe to complete the digital application for the Corporate Card program assumes all required information is readily available.
For illustrative purposes only.
No two businesses operate the same way.
Some organizations prioritize travel-heavy employee populations. Others focus on employee expenses or operational purchasing. Many require a combination of all of these elements. Amex Corporate supports this wide scope of business needs and helps support organizations as their priorities evolve over time.
Organizations can align Corporate Cashback Cards and program features to support different employee groups and business priorities while maintaining a connected experience.
The Value of Financial Backing
The value of a corporate card program extends beyond individual features and capabilities.
Businesses also benefit from the backing of American Express, including established service, broad card acceptance, fraud protection capabilities, and a long-standing commitment to supporting companies of varying sizes and industries.
From account monitoring and fraud alerts to customer service and program support, these capabilities help organizations manage company spend with greater visibility and oversight.
For many businesses, financial backing also means access to an organization with experience supporting companies through changing business conditions and evolving operational needs.
In Practice: Building Capacity for Growth
Business Challenge
A complex ownership structure created challenges during an underwriting review as an insurance consulting company sought additional credit capacity to support expansion.
Amex Approach
Amex’s team of experts worked closely with the client to help identify a responsible path to secure a credit line increase and support expansion goals. Along the way, the team assessed financial needs, aligned stakeholders across sales and underwriting teams, and provided guidance throughout a complex financial review process.
Outcome
A credit line increase from $400,000 to $600,000, providing additional working capital flexibility during a key growth period.
This may not be a typical experience of every business. Experiences may vary.
Tying It All Together
Managing company spending becomes more complex as organizations grow. The challenge is not simply controlling costs—it's maintaining visibility, flexibility, and oversight while adapting to changing business needs.
Amex Corporate brings together Corporate Cards and connected solutions, expense management, human support and partnership, and scalable controls backed by American Express—creating a more connected approach to managing company spending as organizations.
