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Here are the American Express business credit cards to grow
your business.
Business Credit Cards
on American Express secure website
The American Express Blue Business Cash™ Card is a popular choice for small business owners seeking straightforward cash-back rewards without an annual fee.
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Approval for the American Express Blue Business Cash™ Card typically requires a good to excellent personal credit score, generally 690 or higher.
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Pros
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Cash Back Rewards: Earn 2% cash back on all eligible purchases up to $50,000 per calendar year; thereafter, earn 1%. Cash back is automatically credited to your statement.
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No Annual Fee: Enjoy the benefits of the card without any annual charges.
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Introductory APR Offer: Benefit from a 0% introductory APR on purchases for the first 12 months, followed by a variable APR of 17.49% - 25.49%.
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Expanded Buying Power: Access spending beyond your credit limit with AmEx’s Extended Buying Power feature, offering flexibility for varying business expenses.
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Employee Cards at No Additional Cost: Issue cards to employees without extra fees, simplifying expense management.
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Spending Cap on 2% Cash Back: The 2% cash back rate applies only to the first $50,000 in purchases each year; spending beyond this earns 1% cash back.
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Foreign Transaction Fees: Charges made outside the U.S. incur a 2.7% foreign transaction fee, making it less ideal for international use.
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Limited Premium Benefits: Compared to other business cards, it offers fewer premium perks, such as travel rewards or extensive purchase protections.
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Cons
Recommended for scores 300 to 579
on American Express secure website
The Capital One Platinum Secured Credit Card is designed to help individuals build or rebuild their credit history. A refundable deposit of $49, $99, or $200 is required, which determines your initial credit line of $200. You can increase your credit line by depositing more than the minimum amount.
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Recommended for scores 300 to 579
The Blue Business® Plus Credit Card from American Express
on Self Inc's secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
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Accessible Approval: No credit check required, making it suitable for those starting or rebuilding credit.
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Structured Savings: The integrated Credit Builder Account encourages disciplined savings habits.
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Path to Unsecured Credit: Demonstrating responsible use may lead to opportunities for unsecured credit products in the future.
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Mandatory Credit Builder Account: Enrollment in the Credit Builder Account is a prerequisite, which involves its own fees and interest.
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Annual Fee After First Year: While the first year is fee-free, a $25 annual fee applies subsequently.
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High APR: Carrying a balance can result in significant interest charges; paying in full monthly is recommended.
Cons
Recommended for scores 300 to 579
The Business Platinum Card® from American Express
on OpenSky secure website
The OpenSky® Launch Secured Visa® Credit Card is designed to assist individuals in building or rebuilding their credit history. It offers accessibility without a credit check and requires a lower minimum security deposit compared to many other secured cards.
Pros
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Accessible Approval: No credit check is required, making it suitable for those starting or rebuilding credit.
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Low Minimum Deposit: The $100 minimum deposit is lower than many other secured cards, making it more accessible.
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Credit Building Potential: Regular reporting to major credit bureaus can help improve your credit score with responsible use.
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Monthly Fee: While there's no annual fee, the monthly fees accumulate over time.
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Limited Credit Limit: The maximum credit limit is $1,000, which may be restrictive for some users.
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High APR: Carrying a balance can result in significant interest charges; it's advisable to pay off balances monthly to avoid interest.
Cons
Delta SkyMiles® Gold Business American Express Card
on Discover secure website
The Discover it® Secured Credit Card is designed to help individuals build or rebuild their credit history while offering cash back rewards—a feature not commonly found in secured credit cards.
Recommended for scores 300 to 579
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Delta SkyMiles® Platinum Business American Express Card
on Discover secure website
The Discover it® Secured Credit Card is designed to help individuals build or rebuild their credit history while offering cash back rewards—a feature not commonly found in secured credit cards.
Recommended for scores 300 to 579
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Delta SkyMiles® Reserve Business American Express Card
on Discover secure website
The Discover it® Secured Credit Card is designed to help individuals build or rebuild their credit history while offering cash back rewards—a feature not commonly found in secured credit cards.
Recommended for scores 300 to 579
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
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Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
The Hilton Honors American Express Business Card
on Discover secure website
The Discover it® Secured Credit Card is designed to help individuals build or rebuild their credit history while offering cash back rewards—a feature not commonly found in secured credit cards.
Recommended for scores 300 to 579
Pros
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Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
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No Annual Fee:- Helps keep costs low while building credit.
-
Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Marriott Bonvoy Business® American Express® Card
on Discover secure website
The Discover it® Secured Credit Card is designed to help individuals build or rebuild their credit history while offering cash back rewards—a feature not commonly found in secured credit cards.
Recommended for scores 300 to 579
Pros
-
Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
-
No Annual Fee:- Helps keep costs low while building credit.
-
Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
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No Foreign Transaction Fees: Good for international use.
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Here are the top-of-wallet premium cards
Premium Business Credit Cards
Recommended for scores 300 to 579
Mastercard® Gold Card™
on American Express secure website
The Blue Business® Plus Credit Card from American Express is a popular choice among small business owners seeking a straightforward rewards structure without an annual fee.
​
Pros
-
Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
-
No Annual Fee:- Helps keep costs low while building credit.
-
Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
-
No Foreign Transaction Fees: Good for international use.
​
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High APR: Carrying a balance can lead to significant interest charges.
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Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Recommended for scores 300 to 579
Mastercard® Black Card™
on American Express secure website
The Capital One Platinum Secured Credit Card is designed to help individuals build or rebuild their credit history. A refundable deposit of $49, $99, or $200 is required, which determines your initial credit line of $200. You can increase your credit line by depositing more than the minimum amount.
Pros
-
Rewards Program: Earning cash back on purchases is a notable advantage for a secured card.
-
No Annual Fee:- Helps keep costs low while building credit.
-
Automatic Upgrade: Discover reviews your account after 7 months for possible graduation to an unsecured card and receive your deposit back with responsible use. (if used responsibly).
-
No Foreign Transaction Fees: Good for international use.
​
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High APR: Carrying a balance can lead to significant interest charges.
-
Security Deposit Requirement: An upfront deposit is necessary to open the account.
Cons
Recommended for scores 300 to 579
Mastercard® Titanium Card™
on Self Inc's secure website
Self Secured Visa Credit Card is a unique financial tool designed to help individuals build or rebuild their credit. Unlike traditional secured credit cards, it integrates with a Credit Builder Account, allowing users to establish credit without an initial credit check.
Pros
-
Accessible Approval: No credit check required, making it suitable for those starting or rebuilding credit.
-
Structured Savings: The integrated Credit Builder Account encourages disciplined savings habits.
-
Path to Unsecured Credit: Demonstrating responsible use may lead to opportunities for unsecured credit products in the future.
-
Mandatory Credit Builder Account: Enrollment in the Credit Builder Account is a prerequisite, which involves its own fees and interest.
-
Annual Fee After First Year: While the first year is fee-free, a $25 annual fee applies subsequently.
-
High APR: Carrying a balance can result in significant interest charges; paying in full monthly is recommended.