American Express Business Cards review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
American Express Business Cards suit business owners who want a credit card with no annual fee and no foreign transaction cost on travel. Cashback of 1% to 2% adds to the appeal, and the monthly fee sits at $0 for the business cardholder who wants a single card covering travel and daily spend.
Key facts
- Best for
- A US business card for travel and everyday spend with no foreign transaction cost.
- Monthly fee
- $0 (Source, checked September 26, 2026)
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Cashback rate
- 1% to 2% (Source, checked September 26, 2026)
- Card network
- Amex (Source, checked September 26, 2026)
- Legal entity
- American Express National Bank (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1850 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Features
- Travel
- Audience
- Business
- Official website
- americanexpress.com
Credit cards
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- American Express National Bank (Source, checked September 26, 2026)
- Headquarters
- United States (Source, checked September 26, 2026)
- Founded
- 1850 (Source, checked September 26, 2026)
- Support channels
- Phone, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Travel
- Audience
- Business
Apps and profiles
Pros and cons
Pros
- Currency conversion fee of 0% on the Platinum business card means overseas spending keeps the value it had
- Monthly fee of $0 under a no annual fee model, so holding the card costs nothing to run
- Cashback of 1% to 2% on business spending adds a return with no points scheme to track, hold or redeem
Cons
- The card runs on its own amex network, a rare choice here, so acceptance abroad can be thinner than the usual rails
- It is a credit card, so a credit history and a limit decide who can hold it, and what can be spent
- Support runs on phone and help centre only, so there is no listed email or live chat for quick written answers
Who it suits
- Business owners who spend mostly at home but travel abroad for work and want no currency conversion cost
- Sole traders and small firms that want a reward on everyday card spending without paying an annual fee
- Owners who want a travel feature and a cash return on company spending rather than a points scheme
Who should look elsewhere
- Wise suits you better if you hold and convert many currencies rather than borrowing on a card each month
- Monzo Flex suits you better if you want a debit account first and are adding credit only later on
- HSBC Classic Credit Card suits you better if a mainstream network matters more to you than a travel reward
How it compares on our data
On currency conversion fee, American Express Business Cards sit at 1 of 259 brands compared here, which is as high as this table goes. On monthly fee the ranking is 1 of 419 brands, so a business watching its costs starts at the top of both lists.
How American Express Business Cards compares
9.5 vs 9.4
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Where American Express Business Cards is available
- Available
- United States
- Licence in United States
- FDIC (FDIC cert 27471), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there an annual fee on these American Express business cards?+
These are the no annual fee business cards, and the monthly fee is $0. The model is listed as no annual fee, so there is no yearly charge for keeping the card open and paying it off each cycle.
What does it cost to spend in another currency?+
The currency conversion fee on the Platinum business card is 0%, so there is no foreign transaction cost on overseas spend. That is the main reason business travellers pick this card, since the rate you see on a statement matches what you paid.
Who regulates the bank behind the card?+
The banking side sits with American Express National Bank, headquartered in the US and listed under FDIC cert 27471. The FDIC is the US regulator named in the licence, and the card itself runs on the amex network, a closed network with narrower acceptance abroad.
How is the business reward paid on spend?+
Spend earns cashback of 1% to 2% on the no annual fee business cards. It is a simple cash return rather than a points scheme, so there are no redemption rules to track and nothing to convert before the money is usable.
Who is this card aimed at?+
The audience is business, and travel is the listed feature. It suits a company paying suppliers and staff costs that want a reward on the same spend, and it is a US product aimed at company spending rather than personal use.
Is this a credit card or a debit card?+
It is a credit card, so you borrow against a limit and settle the balance later. That is different from a debit account such as Monzo Flex, where each payment comes straight from the money in your balance without borrowing.
How do I get help with the account?+
Support runs on phone and help centre, covering phone and a help centre. Both are listed for the Platinum business card, so a question about the limit, the fee or the reward can be raised in person or in writing, depending on the channel you pick.
What are these cards and where do they come from?+
The card is the American Express Business Platinum, one of the no annual fee business cards in the range. American Express was founded in 1850 and is headquartered in the US, with the banking entity listed as American Express National Bank.
Sources
- banks.data.fdic.gov/bankfind-suite/bankfind/details/27471 checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CERT=27471; NAME=American Express National Bank; WEBADDR=www.americanexpress.com; ACTIVE=1”
- americanexpress.com/en-us/company checked September 26, 2026
Backs: Founded
“Since 1850, American Express has worked to make a difference in our customers' lives”
- americanexpress.com/en-us/referral checked September 26, 2026
Backs: Card network
“Global Network (network.americanexpress.com/globalnetwork)”
- americanexpress.com/us/credit-cards/business/business-cre... checked September 26, 2026
Backs: Card kind, Pricing model
“Business Credit Cards from American Express”
- americanexpress.com/us/credit-cards/business/business-cre... checked September 26, 2026
Backs: Features, Currency conversion fee, Support channels
“Trip Cancellation and Interruption Insurance; Car Rental Loss and Damage Insurance; Global Lounge Collection access”
- americanexpress.com/us/credit-cards/business/business-cre... checked September 26, 2026
Backs: Audience, Cashback rate, Monthly fee
“American Express offers a range of Small Business Credit Cards to help your business grow”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Card type, Protection.
Related by the facts
American Express Business Cards
A US business card for travel and everyday spend with no foreign transaction cost.