american express global business travel vs american express

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Amex GBT vs CWT – 2024 Comparison

American express global business travel (amex gbt).

• Employee wellbeing
• Promises a smooth travel experience

Amex GBT core differentiators and strengths

• Travel savings: you can monitor rate drops and easily rebook tickets to save money with the re-shop tools.
• Travel Vitals™: allows you to stay up-to-date about recent events to inform your travel decision-making.
• Airline credit reporting: a holistic view of total refund amounts and any unused tickets available is visible in the easy-to-use reporting tool.
• Amex GBT’s Premier Insights™: provides insights into benchmarks, data integration, automated suggestions for how to save, and how different adjustments will affect the bottom line through advanced projection models.
• Risk alerts: provides you with direct communication during disruptions.
• Rates and options: offer pre-negotiated rates and 2 million accommodation options on the online booking tool.
• Personal assistant: allows you to navigate business travel challenges while traveling with personal assistants ready to assist.
• Cooperation: working with you to maximize the value and efficiency of your travel program.

Amex GBT User Reviews Testimonials

What users like about amex gbt, what users dislike about amex gbt, explore other valid alternatives to amex gbt. click below:, cwt core differentiators and strengths.

• Integrated hotel management and bookings: offers an integrated and streamlined hotel management and booking reservation experience.
• Accommodation inventory: offers a choice between more than 800,000 properties with a global distribution system.
• RoomIt: offers lower prices for budget-friendly trips while still offering convenience and comfort.
• myCWT™: a mobile app to access itineraries, profiles, and supplier programs around the clock.
• International SOS: offers extra support to corporate LGBTQ+ community travelers.
• Safety and security: dedicated resources to keep travelers aware of pandemic-related and other emergencies. Capability to locate employees in an accident and trigger assistance efforts.
• Consultant assistance: to ensure the right travel arrangements.
• ECO Framework: Employee-wellbeing, climate impact, and organizational performance to align your sustainability and travel needs.
• AnalytIQs: analytics and visualization capabilities to track your travel expenses with actionable insights.
• Data security: access to a global cybersecurity team for assisting employees with navigating data threats and security issues. Meant to ensure information confidentiality, integrity, and availability.

CWT User Reviews Testimonials

What users like about cwt, what users dislike about cwt.

• Industry-leading travel inventory: no need to consult multiple websites or travel agencies. Included you will find air travel, hotels, and rail options with unique offerings, such as Amtrak, SouthWest Airlines, cars, and large hotel chains, and the system gives you access to great pricing options.
• Booking freedom with control: while travelers get the freedom they want with a tool that lets them book for themselves, it also frees up your resources. You gain the control to ensure that your business travel is costing you the right amount with built-in business features like travel policies, approvals, and invoice management.
• No fees and free implementation: only pay when you travel. There are no fixed fees, no cancellations penalties, and no system implementation costs.
• FlexiPerk : All trips are refundable with this feature. If your plans change, you get your money back with no questions asked.
• Concierge services: assist you with events, such as group bookings, Airbnb bookings, transfers, and tickets.
• Instant service access: with the around the clock 7-star human customer support provided, you will get assistance in 15 seconds. They offer dedicated, experienced agents with one centralized point of contact via the app, website, and phone.
• TravelCare : a built-in travel risk management solution to provide information on safety and travel requirements. It offers guidelines, and real-time updates with visibility of business travelers and what disruptions might affect their trip.
• VAT solution : identify and process all claimable VAT refunds for your trips in the EU with this comprehensive solution to save up to 25% on your travel spend.
• GreenPerk : offset all your carbon emissions for more sustainable travel with this feature.
• Duty of care solutions: you receive in-depth trip reporting and travel alerts and ensure your traveling employees are fully covered. You can manage evacuation and auxiliary services from a single portal with the International SOS integration.
• Open-API platform that is developer-friendly: enables a seamless integration with other business tools and workflows, such as for expense consolidations, or your HR management platform. You can also integrate with the other apps you normally use, with one click using the open marketplace.

Make business travel simpler. Forever.

• See our platform in action . Trusted by thousands of companies worldwide, TravelPerk makes business travel simpler to manage with more flexibility, full control of spending with easy reporting, and options to offset your carbon footprint.
• Find hundreds of resources on all things business travel, from tips on traveling more sustainably, to advice on setting up a business travel policy, and managing your expenses. Our latest e-books and blog posts have you covered.
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About American Express Global Business Travel 

American Express Global Business Travel (Amex GBT) is the world’s leading B2B travel platform, providing software and services to manage travel, expenses, and meetings and events for companies of all sizes. We have built the most valuable marketplace in B2B travel to deliver unrivalled choice, value and experiences. With travel professionals in more than 140 countries, our customers and travelers enjoy the powerful backing of American Express Global Business Travel.

Visit amexglobalbusinesstravel.com for more information about Amex GBT, and follow @amexgbt on Twitter , LinkedIn and Instagram .

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Egencia joins American Express Global Business Travel

American express global business travel completes acquisition of egencia from expedia group.

London, UK; Seattle, Wash – November 2, 2021 American Express Global Business Travel (GBT), the world’s leading business partner for managed travel, has successfully completed the acquisition of Egencia, the leading digital travel management platform. As part of the transaction, Expedia Group has become a shareholder in GBT. Expedia has also entered into a long-term agreement to provide accommodations supply to GBT.

GBT will accelerate investment in the Egencia brand, its people and technology. GBT and Egencia will together offer the leading solutions across every segment of business travel. Teaming Egencia with GBT’s Supply MarketPlace, one of the most comprehensive sources for content and experiences in business travel, provides customers with more value and choice and offers suppliers enhanced access to business travelers.

Paul Abbott, GBT’s CEO, said: “Bringing GBT and Egencia together will create a winning formula that will define the future of travel. We will provide unrivalled value, choice and experiences to customers. Unrivalled value because together we’ll have the best content and deliver the best savings. Unrivalled choice because no one comes close to the breadth and depth of solutions we will offer. And unrivalled experiences because we have the best people and technology in the industry.”

Mark Hollyhead, President of Egencia, said: “Today is a significant moment in realizing the next important chapter for Egencia. Becoming part of an organization totally focused on business travel will accelerate Egencia’s growth and amplify what we do best – offer technology-driven solutions that address the ever-evolving needs of business travel and its many stakeholders.”

Ariane Gorin, President, Expedia for Business, added: “We are pleased to see Egencia grow with this new opportunity, especially as business travel comes back. At Expedia Group, we empower thousands of partners around the world with our best-in-class technology and vast inventory. Closing this deal, including our long-term agreement to provide lodging supply to GBT, is an important step forward in our ambition to strengthen the entire travel ecosystem and help all of our partners achieve their aims.”

With the close of the transaction, Mark Hollyhead, President of Egencia, will continue to lead the Egencia business reporting directly to GBT CEO Paul Abbott and will join GBT’s executive leadership team.

Media contacts:

For American Express Global Business Travel Martin Ferguson [email protected]

Expedia Group Dave McNamee [email protected]

About American Express Global Business Travel

American Express Global Business Travel (GBT) is the world’s leading business partner for managed travel. We help companies and their employees prosper by making sure travellers are present where and when it matters. We keep global business moving with the powerful backing of travel professionals in more than 140 countries. Companies of all sizes, and in all places, rely on GBT to provide travel management services, organise meetings and events, and deliver business travel consulting.

Visit  amexglobalbusinesstravel.com  for more information about GBT, and follow @amexgbt on  Twitter ,  LinkedIn  and  Instagram .

About Expedia Group  

Expedia Group, Inc. companies power travel for everyone, everywhere through our global platform. Driven by the core belief that travel is a force for good, we help people experience the world in new ways and build lasting connections. We provide industry-leading technology solutions to fuel partner growth and success, while facilitating memorable experiences for travelers. Our organization is made up of four pillars: Expedia Services, focused on the group’s platform and technical strategy; Expedia Marketplace, centered on product and technology offerings across the organization; Expedia Brands, housing all our consumer brands; and Expedia for Business, business-to-business solutions and relationships across the travel ecosystem. The Expedia Group family of brands includes: Expedia®, Hotels.com®, Expedia® Partner Solutions, Vrbo®, trivago®, Orbitz®, Travelocity®, Hotwire®, Wotif®, ebookers®, CheapTickets®, Expedia Group™ Media Solutions, Expedia Local Expert®, CarRentals.com™, and Expedia Cruises™. 

For more information, visit www.expediagroup.com . Follow Expedia Group on Twitter @expediagroup , and check them out on LinkedIn www.linkedin.com/company/expedia/ .

Looking for better business travel solutions? Get in touch with us.

American Express Global Business Travel

   American Express Global Business Travel (GBT) is the world’s leading B2B travel platform and is also SAP Concur’s largest Travel Management Company (TMC) partner. GBT is committed to ensuring the success of our customers that use SAP Concur Travel around the globe. Our deployment, maintenance, navigation, and product support teams are highly trained and skilled in all facets of SAP Concur Travel, handling hundreds of implementations and thousands of support cases annually. GBT and SAP Concur have worked diligently to integrate GBT’s core technology platform with SAP Concur Travel, including our Supply MarketPlaceTM (Hotel), Global Trip RecordTM, Connect ProfileTM, Centralized Ticket Exchange database, and more. Together, our clients benefit from best-in-class traveler care, enhancements in our core platforms, as well as access to the kind of data that helps them better measure savings and address opportunities for their programs. Some of the benefits GBT customers using SAP Concur Travel receive include:    • Our Preferred ExtrasTM program that offers savings and traveler perks is fully integrated into your SAP Concur Travel site.    • SAP Concur and GBT have worked diligently to integrate our core, proprietary technology platform with SAP Concur Travel to deliver a consistently high-quality booking experience.    • The size and strength of our partnership allows GBT to be strong advocates for our clients with SAP Concur. With a direct line to the most important people within support, product development, and product strategy, we use our influence to address the issues and prioritize development to meet your needs.    • GBT has been building and configuring SAP Concur Travel sites since 2004, and we have the experience to quickly build out your site to your specific requirements.    • A proven track record in issue management means that our Program Care support team have all the tools to successfully resolve any issues that may arise from your use of Concur Travel.  

Note :  Locations designated are countries where the TMC has indicated their support of Concur Travel but do not necessarily reflect locations that are authorized for local resale. Contact the TMC partner directly to inquire about their authorized resale markets. 

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• Key takeaways

Is the Marriott Bonvoy Business American Express card worth it?

Amex marriott bonvoy business card rewards, amex marriott bonvoy business card benefits, amex marriott bonvoy business card fees, rates & limit, how the amex marriott bonvoy business card compares, is the marriott bonvoy business® american express® card right for me, how do i qualify for the marriott bonvoy business® american express® card, faq: amex marriott bonvoy business card.

Marriott Bonvoy Business Card Review 2024: Is It Worth It?

• The Marriott Bonvoy Business® American Express® Card earns Marriott Bonvoy® points and comes with one free night certificate every year. 
• Earn more points when you book Marriott Bonvoy hotels or make purchases at gas stations and restaurants.
• The Marriott Bonvoy Business includes free Gold Elite status if you’re a Marriott Bonvoy member.
• This Amex card has an annual fee of $125 ( see rates and fees ).

If you’re a Marriott loyalist and a frequent traveler, the Marriott Bonvoy Business™ American Express® Card could be a valuable addition to your wallet. This small business credit card includes an exceptional welcome offer, high Marriott Bonvoy® points earning potential and benefits that elevate your professional travel.

But are the perks worth the $125 annual fee?

In this guide, we’ll explore the pros and cons of the Marriott Bonvoy Business Amex and cover essential details, including:

• The rewards program
• Hotel and travel benefits
• Fees, interest rates and credit limit
• Earn a free night award annually
• Automatic elite status
• Generous welcome offer
• Has an annual fee
• Limited redemption options

The Marriott Bonvoy Business® American Express® Card is a good option for small-business owners — but only if you’re a regular at Marriott properties.

This co-branded card includes Marriott-oriented perks that more than make up for the $125 annual fee: a generous welcome bonus, an annual free night award, Gold Elite status with Marriott Bonvoy and more. Because American Express isn’t universally accepted outside the US, you’ll get the most value from this card if most of your travels are domestic.

Pros and cons of the Amex Marriott Bonvoy Business card

Like any hotel credit card , the Marriott Bonvoy Business card comes with both pros and cons:

• Elevated earnings rates for hotels, restaurants and gas stations
• Free Gold Elite status with Marriott Bonvoy
• Free night certificate every year
• Generous welcome bonus
• No foreign transaction fees
• Comes with an annual fee
• Rewards are most valuable to regular Marriott customers

Learn more about Marriott Bonvoy Business card

Terms apply / Rates & fees

If Marriott is your preferred hotel brand, the Marriott Bonvoy Business card offers an attractive rewards program. Eligible purchases earn Marriott Bonvoy points, so you can charge business expenses to earn free nights.

Welcome bonus

If you spend $6,000 on purchases in six months from the date you opened the account, you’ll earn three Free Night Awards. Each of these nights is good for a hotel stay that’s worth up to 50,000 Marriott Bonvoy points. Certain hotels have resort fees. Terms apply.

Earn Amex Marriott Bonvoy Business card rewards

The Marriott Bonvoy Business card comes with an excellent rewards earning potential, especially if your job takes you to hotels in the Marriott family on a regular basis. You’ll earn points with every purchase, and even more with eligible hotel stays. 

Here’s what you can earn in each spending category:

• 6X points for bookings at participating Marriott Bonvoy hotels
• 4X points on restaurants around the world, gas stations in the United States, cell phone service with U.S. carriers and purchases from U.S. merchants for shipping
• 2X points for all other purchases of goods and services

If you’re a Marriott Bonvoy member, you can earn even more — up to 10 Marriott Bonvoy points for every dollar you spend at qualifying properties with the Marriott Bonvoy Business card. Because the card comes with free Gold Elite Status, you’ll also get a 25% bonus. This applies to the room and anything you charge to it, including meals and spa treatments.

Redeem Amex Marriott Bonvoy Business card rewards

There are several ways to redeem your Marriott Bonvoy points. 

The most popular is to book hotel stays. You can use the points to pay for bookings at hotels that participate in the Marriott Bonvoy program. This includes a mix of mid-tier and luxury properties, such as Delta, Four Points by Sheraton, Aloft, St. Regis and Le Méridien.

You can also transfer your points to more than 40 different airlines. If you do, the transfer ratio is typically three Bonvoy points to one airline mile. Some carriers have different ratios. 

Alternatively, Marriott’s Air+Car Transfer Program enables you to use points to book flights and rental cars with hundreds of providers. However, keep in mind that many Marriott Bonvoy Business reviews note that this redemption option reduces the point value.

The Marriott Bonvoy Business Amex card has a slew of significant benefits. If your business requires a great deal of travel, these benefits can help you save money and enjoy a more luxurious experience.

Marriott Bonvoy Gold Elite status

When you’re approved for the Amex Marriott Bonvoy Business card, you automatically get Gold Elite status with Marriott Bonvoy. In addition to the points bonus, you’ll be eligible for free late checkout until 2 p.m. and enhanced room upgrades where available. 

Free Night Award

For every year you have the Marriott Bonvoy Business card, you’ll get a Free Night Award for a hotel stay worth up to 35,000 points. If you charge $60,000 in one calendar year — an average of $5,000 per month — you’ll get another free night.

Marriott Bonvoy® room rate discount

Book a participating Marriott Bonvoy property with your Amex credit card, and you’ll have access to discounted room rates. Look for the “Amex Business card rate.” Combined with the standard Bonvoy member discount, it can save you up to seven percent off the regular rate.

15 Elite Night Credits

In addition to your annual free night certificate, you’ll earn 15 Elite Night Credits for every year you hold the Marriott Bonvoy Business Amex card. These credits help you move up from your complimentary Gold Elite status toward more premium Elite tiers. Each new level comes with additional benefits. For example, Platinum Elite comes with a 50% point bonus, better upgrades and a welcome gift. 

Premium internet access

As an Amex cardholder, you don’t need to pay for upgraded internet access at Marriott Bonvoy hotels. Simply book an eligible rate, and you’ll get premium service for free.

Rental car insurance

Car rentals paid for with your Marriott business card include Amex loss and damage insurance. As long as you decline coverage through the rental company, you’ll be covered for up to $50,000 for damage to or theft of the car.

Baggage insurance

This insurance covers replacement costs if your baggage is damaged or lost. It only applies when you’re traveling with a common carrier on a ticket you paid for with your Amex card. Carry-on baggage is covered up to $1,250 per person. Checked bags are covered up to $500.

Purchase protection

Purchases you make with the Marriott Bonvoy Business card are covered for up to 90 days. If an eligible item is damaged by accident or stolen, you can get reimbursed for up to $1,000. This benefit maxes out at $50,000 per account, per year.

Extended warranty 

When you buy a covered item with a warranty of five years or less, American Express will extend the coverage up to one extra year.

Amex Offers

The Amex Offers Program is another way to increase your point earnings. When you apply, you can choose from a variety of offers from different brands; take advantage of the offer, and you’ll get the rewards between five and 90 days after the offer ends.

Global Assist Hotline

When you’re traveling, you can call the hotline for help as needed. Operators can help you get cash in an emergency, make referrals for passport problems, coordinate legal or medical assistance, and more. Any trip that’s more than 100 miles from your home qualifies.

*Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/​benefitsguide for more details. Underwritten by Amex Assurance Company.

Whether you intend to use the Marriott Bonvoy Business card for general company expenses or hotel stays, it’s important to understand the associated fees and rates ( see rates and fees ).

Amex Marriott Bonvoy Business card fees

The Marriott Bonvoy Business card has an annual fee of $125. If you’re a frequent Marriott customer, the fee is well worth the perks.  

The yearly free hotel night is usually worth more than the annual fee. Add in the complimentary Gold Elite status and the high Bonvoy points earning potential, and it adds even more value.

The card doesn’t have foreign transaction fees, which is convenient if you travel internationally for work — as long as you’re making purchases where Amex is accepted, that is. There is no balance transfer fee, but you will be charged the standard interest rate. If you need a cash advance, you’ll pay the greater of $5 or 3% of the advance.

Amex Marriott Bonvoy Business card interest rates

Your annual percentage rate (APR) depends on American Express’ assessment of your creditworthiness. If you’re approved, you’ll pay a variable APR between 20.99% and 29.99%.

Here’s a look at the different variable APRs associated with this card:

American Express also charges a variable penalty APR of 29.99%. 

You can be switched to this higher rate if you:

• Are late on payments twice in 12 months
• Fail to pay the minimum payment before the billing period closes
• Have a returned payment

The penalty APR stays in place for at least 12 billing periods. It will be removed after you have at least 12 periods with no late or returned payments.

Amex Marriott Bonvoy Business card credit limit

American Express sets your credit limit based on a variety of factors. Typically, these include your credit profile, existing debt, income and other financial factors

Compared to other hotel-branded credit cards, the Marriott Bonvoy Business card is a solid option for small businesses and regular business travelers. 

It has a lower fee than traditional luxury travel cards, but you’ll still get plenty of value when staying at hotels that participate in the Bonvoy program. And with the included Gold Elite status and bonus earning categories, your Marriott stays will earn even more.

The main drawback with this card is the lack of flexibility in redeeming rewards. You can use them to book hotels, flights and rental cars, but Marriott redemptions offer the best redemption value. If your hotel stays and general travel needs tend to be more varied, a general travel credit card could be a better fit.

Marriott Bonvoy Business® American Express® Card vs. The Business Platinum Card® from American Express

While the Marriott Bonvoy Business® American Express® Card offers Marriott-focused rewards and benefits, The Business Platinum Card® from American Express is a more general-use travel and business card. It earns American Express Membership Rewards® points instead of Marriott Bonvoy points, which gives you a wider range of redemption options.

The Amex Business Platinum card is a higher-tier product. For the $695 annual fee ( see rates and fees ), it includes perks such as statement credits for up to $150 at Adobe Creative Solutions and up to $400 at Dell. You’ll also get free access to the American Express Global Lounge Collection®, up to $200 in airline credits and up to $189 in CLEAR Plus credit. Both cards include Gold Elite status with Marriott Bonvoy.

Read our full Amex Business Platinum card review

The Marriott Bonvoy Business card from American Express may be right for you if you run or represent a small business, travel often and prioritize Marriott properties for hotel stays. That’s because you’ll maximize reward earning potential and redemption value with stays at hotels that participate in Marriott Bonvoy. 

A business card also makes it easy to keep your professional expenses separate, all while earning rewards. The annual fee is reasonable, and it’s easy to recoup the cost with the card’s many perks.

If you’re looking for more flexible redemption options, these other Amex business cards may be a better fit for you:

• Amex Business Gold card
• Blue Business Cash card
• Blue Business Plus card

You can learn more about the Marriott Bonvoy Business® American Express® card and apply online.

Getting approved for the Marriott business credit card is possible if you run a business (or represent one) and have strong credit — usually, this means a score of 700 or more. You must also be a U.S. resident, at least 18 years old and have a Social Security number.

Keep in mind that American Express has specific eligibility requirements for the welcome offer. 

You aren’t eligible if you’ve had any of these Marriott credit cards from Chase within the 30 days before you apply:

• Marriott Rewards® Business Credit Card
• Marriott Bonvoy Business® Credit Card
• Marriott Bonvoy® Premier Plus Business Credit Card
• Marriott Rewards® Premier Plus Business Credit Card

The same applies if you’ve opened one of these Chase cards in the previous 90 days or received a bonus offer on one for being a new card member within the past two years:

• Marriott Bonvoy Boundless® 
• Marriott Bonvoy Bountiful™ Credit Card 
• Marriott Bonvoy Bold® Credit Card

Is the Amex Marriott Bonvoy Business card worth the annual fee?

The Marriott Bonvoy Business card from American Express is worth the $125 annual fee if Marriott is your preferred hotel brand. The card comes with one Free Night Award per year; when redeemed strategically, this alone is typically worth one to two times the annual fee.

Who is eligible for the Amex Marriott Bonvoy Business card?

To apply for the Amex Marriott Bonvoy Business credit card, you must be a business owner, at least 18 years old and a U.S. resident with a Social Security number. You may also be able to get the card if you run a sole proprietorship, you’re a freelancer or you’re an authorized representative of your employer.

Is the Amex Marriott Bonvoy Business card metal?

No. This American Express card is not metal. It’s plastic.

How do I get the free night awards with my Amex Marriott Bonvoy Business card?

There are a few ways to get Free Night Awards with the Marriott Bonvoy Business card, including meeting the spending threshold for the welcome offer. You’ll get an additional free night for every year you hold the card and every time you spend $60,000 or more in a year.

How can I upgrade to Platinum Elite Status?

To upgrade to Platinum Elite status with Marriott Bonvoy, you’ll need to stay for 50 qualifying nights per year. The Marriott Bonvoy Business card includes 15 annual Elite Night Credits, which means you need 35 additional stays.

Elizabeth Smith is an experienced travel and finance writer who specializes in topics including credit cards, travel insurance, and personal finance. Travel insurance, in particular, has both professional and personal significance for Smith. She’s traveled to 73 countries, and has extensive experience choosing and using various policies — she understands how valuable the right plan can be in an emergency, and loves to help readers find the perfect fit.

Smith comes to the world of finance from a scientific and technical background. She spent more than 10 years writing about engineering, science, and technology for universities and private companies. When she’s not writing or traveling, Smith can usually be found hiking or Nordic skiing.

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American Express Business Checking Review 2024

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American Express Business Checking is a good option if you have an eligible U.S. small business. This account has no monthly service fee, offers 1.30% APY on the first $500,000 in your account (Annual Percentage Yield), and lets you earn 30,000 Membership Rewards® points if you meet certain criteria.

You won't be eligible if you have an American Express® Rewards Checking Account , though. If you don't qualify to open this account, you'll find options on Business Insider's list of the best free business checking accounts .

American Express Business Checking Pros and Cons

About american express national bank.

is an online-only bank with bank accounts, credit cards, and personal loans. American Express National Bank has access to 37,000 free ATMs in the MoneyPass ATM network.

In 2023, the online financial institution launched American Express Business Blueprint , a free cash-flow management app small business owners may use. The American Express Business Blueprint mobile app has received 3.1 out of 5 stars in the Google Play store, and 4.8 out of 5 stars in the Apple store.

Your American Express National Bank accounts are FDIC -insured for up to $250,000 per depositor.

American Express National Bank User Experience and Customer Support

American Express National Bank doesn't have physical branches, so you'll have to consider other options if you prioritize a traditional banking experience.

The online institution offers 24/7 customer support for business checking accounts by phone, so it's a great choice if traditional customer service hours for banks don't work for you.

Is American Express National Bank Trustworthy?

The Better Business Bureau grades business based on whether they respond effectively to customer complaints, advertise honestly, and have transparent business practices. The BBB gives American Express an NR (No Rating) because it is responding to previously closed complaints.

American Express has been involved in one recent public controversy.

In 2022, American Express paid $430,500 in a settlement with the United States Department of the Treasury's Office of Foreign Assets Control (OFAC). In the settlement , OFAC accused the bank of processing transactions on an account where the supplemental card holder was linked to illegal drug distribution and money laundering.

American Express Business Checking FAQs

How does the interest rate for american express business checking compare to other banks.

American Express Business Checking pays a good interest rate, especially since many free business checking accounts do not offer interest. However, keep in mind that there are online banks that offer even more competitive interest rates on business savings accounts.

Are there any monthly fees associated with American Express Business Checking?

American Express Business Checking has no monthly service fee.

Can I earn rewards with American Express Business Checking?

If you're a new American Express Business Checking Account customer, you are eligible to earn rewards through business banking. To get 30,000 Membership Rewards® points, you must open an account, receive $5,000 or more in qualifying deposits within the first 30 days of opening your account, maintain an average account balance of $5,000 for the next 60 days, and make 5 or more qualifying transactions within the first 60 days of opening your account.

What kind of digital banking tools does American Express offer for business checking account holders?

American Express lets you connect your account to QuickBooks. You can also make check deposits through the mobile app.

Is American Express Business Checking available to all types of businesses?

You are eligible to open American Express Business Checking if you have an eligible U.S. small business . Non-profits, money service businesses, and internet gambling business are a few examples of businesses that are not eligible. If you have American Express® Rewards Checking Account , you won't be able to open American Express Business Checking, though.

Is American Express National Bank a good bank for small businesses?

might be a good option if you are looking for a free high-yield business checking account. It also might be worth considering if you're interested in one of the best American Express business cards .

American Express Business Checking Review

American Express Business Checking may be a good choice if you want a no-fee checking account for a business. It has no minimum balance requirements, no monthly service fee, and unlimited fee-free transactions.

Features of American Express Business Checking

American Express Business Checking Interest Rates

Typically, business checking accounts don't offer any interest, but with American Express Business Checking , you'll be able to earn 1.30% APY on the first $500,000 in your account.

If you're strictly searching for a competitive interest rate on a bank account, though, the best business savings accounts have higher rates than high-yield business checking accounts.

Choosing between these high-yield business bank accounts will depend on the main purpose of your account. Business checking accounts are optimal for managing business expenses, while business savings accounts are a good place for storing money for savings goals or excess funds.

American Express Business Checking Membership Rewards

American Express Business Checking also allows you to get a welcome bonus of 30,000 Membership Rewards® points if you fulfill the following requirements:

• Open American Express Business Checking and deposit $5,000 or more within the first 30 days
• Maintain an average daily balance of $5,000 or more 60 days after your account balance has initially reached this balance amount
• Make five or more qualifying transactions (mobile deposits, check deposits by mail, ACH transfers, wire transfers, or Bill Payment transactions) within the first 60 days of opening your account.

You'll also earn one Membership Rewards point for every $2 spent using an American Express Business Debit Card. Membership Rewards points can be redeemed for things like travel or gift cards.

American Express Business Checking Fees and Charges

American Express Business Checking has no account opening fee, no monthly service fee, no incoming domestic wire transfer fee, no non-sufficient funds fee, and no stop pay fee.

There are still a few fees to be mindful of, though. American Express Business Checking does have a $10 same-day domestic ACH transfer fee, a $25 outgoing domestic wire transfer fee , and 2.7% foreign transaction fee. If you want to get physical checks, the cost for a checkbook varies, depending on the charge from a third-party vendor.

If you use an ATM that isn't in the Allpoint or MoneyPass ATM network, American Express won't reimburse fees if you're charged by the bank or out-of-network provider.

Opening an American Express Business Checking Account

First, you must be eligible to apply for the American Express Business Checking Account before opening an account.

American Express allows business owners from most U.S. businesses and industries to apply. However, if you own a non-profit, a money service business, a cryptocurrency business, internet gambling business, or a marijuana-related business, you won't be able to open an American Business Checking Account. You also can't apply if you already have American Express® Rewards Checking Account .

When you're opening the business checking account online, you'll need to provide an employer identification number (EIN) or taxpayer identification number (ITIN), your driver's license, and your Social Security Number.

Regarding business documentation, you'll need to answer questions about your business industry, location, and revenue. You may also need to share documentation, like a "Doing Business As" certificate, Articles of Organization, or a Certificate of Formation. If there are multiple business owners, you may also need to provide a partnership agreement or written document that specifies the role of each owner.

Once you're approved for the American Express Business Checking Account, you'll be able to link an external bank account and deposit money. American Express may close a bank account for inactivity if a deposit hasn't been made within 120 days of application approval.

How the American Express Business Checking Account Compares

American Express Business Checking vs. Axos Bank Business Checking

If you're searching for a bank that offers multiple business account options, Axos Bank will likely be a more compelling option. Axos Bank has business checking accounts, business savings accounts, business money market accounts, and business CDs.

You might prefer American Express if you're an Amex credit card customer or you only want to open a business checking account. American Express Business Checking also pays a higher interest rate than the Axos Bank Business Savings Account and Axos Bank Business Money Market Account .

Axos Business Banking Review

American Express Business Checking vs. Bluevine Business Checking

Bluevine is an online banking platform that has an interest-earning business checking account. Similarly to American Express Business Checking, the Bluevine Business Checking Account has a $0 minimum opening deposit, no monthly service fees, and unlimited fee-free transactions.

The most notable difference between these two accounts is how the interest rate works. The Bluevine Business Checking Account pays 2.00% APY on up to $250,000 when you meet one of the monthly eligibility requirements. Meanwhile, American Express Business Checking pays 1.30% APY on the first $500,000 in your account and does not have transaction requirements.

Bluvine also offers a 4.25% APY when you join the Bluevine Business Checking Premier Account plan with a $95 monthly fee.

BlueVine Business Checking Account Review

Why You Should Trust Us: How We Reviewed American Express Business Checking

For our American Express Business Checking banking review, we used our bank account methodology . We rate each account on a scale from 0 to 5.

For business checking accounts, we consider many of the same factors we would for personal checking accounts, such as minimum opening deposits and monthly fees. But we also look at things that are specific to business accounts, such as monthly transaction limits.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

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5 best credit cards that offer pre-approval or pre-qualification in 2024, pre-approval doesn't guarantee approval, but it can help you avoid an unnecessary hard pull on your credit..

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

When you apply for a credit card, the issuer performs what is known as a hard pull or hard inquiry , which shows up on your credit report. Hard pulls temporarily lower your credit score, which isn't the end of the world, but it's better to avoid racking up unnecessary hard inquiries since they can remain on your credit report for up to two years. One way to do this is by going through a card issuer's pre-approval or pre-qualification process before applying.

Getting a pre-approved offer for a credit card doesn't guarantee you'll be approved, but it can give you a better idea of your approval odds with no hard inquiry. There is no impact to your credit score until you formally apply.

Not every card issuer offers pre-approvals. Below, CNBC Select details the top credit cards that generally offer pre-approval or pre-qualification and how they work. (See our methodology for more information on how we made this list.)

Best credit cards for pre-approval

• Best for no annual fee: Wells Fargo Active Cash® Card
• Best for balance transfers: Citi Double Cash® Card
• Best for travel rewards: American Express® Gold Card
• Best for cash-back:   Discover it® Cash Back
• Best for premium perks: Capital One Venture X Rewards Credit Card (see rates & fees )

Best for no annual fee

Wells fargo active cash® card.

Unlimited 2% cash rewards on purchases

Welcome bonus

Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months

0% intro APR for 15 months from account opening on purchases and qualifying balance transfers; balance transfers made within 120 days qualify for the intro rate

Regular APR

20.24%, 25.24%, or 29.99% Variable APR on purchases and balance transfers

Balance transfer fee

3% intro for 120 days from account opening then BT fee of up to 5%, min: $5

Foreign transaction fee

Credit needed.

Excellent/Good

See rates and fees , terms apply.

• Unlimited cash rewards
• $200 cash rewards welcome bonus
• No annual fee
• Introductory APR period for first 15 months
• Access to Visa Signature® Concierge
• Get up to $600 cell phone protection (subject to a $25 deductible)
• 3% fee charged on foreign transactions

Who's this for? The Wells Fargo Active Cash® Card (see rates and fees ) is a jack of all trades, with an easy-to-earn welcome bonus , generous intro-APR offer and a lucrative flat-rate rewards structure — all for no annual fee .

Standout benefits: This card earns unlimited 2% cash rewards on every purchase. This simple cash-reward rate takes the headaches out of maximizing the return you get on your credit card spending.

Wells Fargo pre-approval process: Fill out this Wells Fargo pre-qualification form with your name, address and the last four digits of your Social Security Number (SSN). If you have a Wells Fargo online account, you can log in to expedite the process.

[ Jump to more details ]

Best for balance transfers

Citi double cash® card.

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

0% for the first 18 months on balance transfers; N/A for purchases

19.24% - 29.24% variable

For balance transfers completed within 4 months of account opening, an intro balance transfer fee of 3% of each transfer ($5 minimum) applies; after that, a balance transfer fee of 5% of each transfer ($5 minimum) applies

Fair/Good/Excellent

Read our Citi Double Cash® Card review.

• 2% cash back on all eligible purchases
• Simple cash-back program that doesn't require activation or spending caps
• One of the longest intro periods for balance transfers at 18 months
• 3% fee charged on purchases made outside the U.S.
• Estimated rewards earned after 1 year:  $443
• Estimated rewards earned after 5 years: $2,213

Who's this for? The Citi Double Cash® Card is ideal for those seeking a strong introductory APR offer for balance transfers and still want to earn valuable rewards.

Standout benefits: Eligible balance transfers qualify for an intro 0% APR for the first 18 months, then a variable 19.24% to 29.24% APR applies. There is an intro balance transfer fee of 3% of each transfer completed in the first four months ($5 minimum). The standard balance transfer fee of 5% of each transfer ($5 minimum) applies thereafter.

Citi pre-approval process: See what Citi credit card offers you're pre-qualified for with this form . Enter your name, email, address and the last four digits of your SSN.

Best for travel rewards

American express® gold card.

4X Membership Rewards® points at Restaurants (plus takeout and delivery in the U.S.) and at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X), 3X points on flights booked directly with airlines or on amextravel.com, 1X points on all other purchases

Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Not applicable

See Pay Over Time APR

Read our American Express® Gold Card review .

• Up to $120 dining credit annually ($10 a month) for purchases made with Grubhub, Goldbelly and other eligible restaurants (after a one-time enrollment)
• Up to $120 Uber Cash annually ($10 a month) for U.S. Uber Eats orders and U.S. Uber rides (card must be added to Uber app to receive the Uber Cash benefit)
• Strong rewards program with 4X points earned at restaurants and 3X points earned on flights booked directly with airlines or amextravel.com
• Baggage insurance plan covers up to $1,250 for carry-on baggage and up to $500 for checked baggage that is damaged, lost or stolen
• No fee charged on purchases made outside the U.S.
• No introductory APR period
• $250 annual fee
• Estimated rewards earned after 1 year: $1,074
• Estimated rewards earned after 5 years: $2,969

Rewards totals incorporate the points earned from the welcome bonus

Who's this for? The American Express® Gold Card is great for earning travel rewards thanks to its generous bonuses on common spending categories like dining and groceries.

Standout benefits: Cardholders get up to $120 in annual dining credit (up to $10 per month at Grubhub , Goldbelly, The Cheesecake Factory and other participating restaurants; enrollment is required) and up to $120 in Uber Cash ($10 per month) to put toward rides in the U.S. and dining via Uber Eats (you must add your Amex Gold Card as a payment method in the Uber app to enroll).

American Express pre-approval process: See what American Express card offers you may be eligible for by filling out this form with your name, address, last four digits of your SSN and your annual income. If you already have an Amex account, you may need to open the form in incognito mode or clear your browser's cache to access the page.

Best for cash-back

Discover it® cash back.

Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases-automatically.

Discover will match all the cash back earned for all new cardmembers at the end of your first year.

0% for 15 months on purchases

17.24% to 28.24% Variable

3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Good / Excellent

* See rates and fees , terms apply.

Read our Discover it® Cash Back review.

• Cash-back program
• Generous welcome bonus
• Cash-back categories must be activated each quarter
• Cash-back program limits earnings: Enroll every quarter to earn 5% cash back in various categories on up to $1,500 in quarterly purchases, then 1%

Who's this for? The Discover it® Cash Back is a relatively easy-to-get cash-back card with no annual fee and useful rotating bonus categories .

Standout benefits: This card has a unique welcome offer that can supercharge your cash-back earnings. Discover will match the cash back new cardholders earn in the first year. So, purchases that qualify for 5% cash back would effectively earn 10% back in your first year. Plus, the card has no foreign transaction fees.

Discover pre-approval process: Fill out this Discover credit card pre-approval form with your name, address, date of birth, housing payment, student status and gross income to see what offers you're eligible for. If you don't qualify for an unsecured card, you may want to consider a secured credit card such as the Discover it® Secured Card which doesn't require a credit score.

Best for premium perks

Capital one venture x rewards credit card.

Unlimited 2X miles on all eligible purchases, and 5 Miles per dollar on flights and 10 Miles per dollar on hotels and rental cars when booked via Capital One Travel portal

Earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening

19.99% - 29.99% variable APR

$0 at the Transfer APR, 4% of the amount of each transferred balance that posts to your account at a promotional APR that Capital One may offer to you

Foreign transaction fees

Read our Capital One Venture X Rewards Credit Card review.

• Large welcome bonus
• No foreign transaction fees
• Up to $100 statement credits for either Global Entry or TSA PreCheck®
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• High annual fee
• No introductory 0% APR period

Who's this for? The Capital One Venture X Rewards Credit Card is geared towards those seeking luxury benefits like airport lounge access, annual travel credits, various travel and shopping protections and more.

Standout benefits: Every year, Capital One Venture X Card members receive up to $300 in travel credits for bookings made through Capital One Travel and 10,000-anniversary bonus miles (worth $100 in travel). Those two benefits alone can offset the card's $395 annual fee (see rates and fees ).

Capital One pre-approval process: You can see what Capital One cards you're pre-approved for by filling out this form . You'll need to enter your name, address, email address, phone number, employment status, education, income, housing payment, date of birth, SSN and what type of bank accounts you have.

More on our top credit cards that offer pre-approval or pre-qualification

The  Wells Fargo Active Cash® Card  is a no annual fee card that can help you earn cash rewards, while enjoying various money-saving benefits.

• Unlimited 2% cash rewards on all purchases

Earn $200 in cash rewards after spending $500 in purchases in the first three months of account opening.

Notable perks

Cardholders can take advantage of cell phone insurance when they pay their monthly bill with the card. This insurance covers damage, theft and loss of a cell phone and has a $25 deductible. You can be reimbursed for up to two claims per 12 months and up to $600 per claim.

Cardholders can also save on interest with the card's intro-APR offer. Purchases and eligible balance transfers qualify for an intro 0% APR for 15 months. then a variable 20.24%, 25.24% or 29.99% applies. To qualify for the intro APR, balance transfers must be completed within 120 days of opening the account. There is an intro balance transfer fee , and for the first 120 days you'll pay 3% of the amount of each transfer ($5 minimum). After the intro period, the balance transfer fee increases to 5% of the amount of each transfer ($5 minimum).

[ Return to card summary ]

The Citi Double Cash® Card is a cash-back credit card , but it earns cash back in the form of Citi ThankYou points , which which can be redeemed in lots of ways, including the option to transfer them to travel partners.

• 5% total cash back on Citi travel bookings (through Dec. 31, 2024)
• 2% cash back on all purchases: 1% back when you buy and 1% back as you pay

Earn a $200 cash bonus after spending $1,500 on purchases in the first six months of account opening.

The ThankYou® points can be redeemed for cash back, gift cards and travel at a rate of one cent per point. Cardholders also have access to a small number of Citi's travel partners, including Wyndham, Choice and JetBlue. If you have a Citi card that enables full transfers, such as the Citi Premier® Card , you can combine the points you earn with your Double Cash and then transfer those points to all of Citi's partner hotel and airline loyalty programs.

There are also several special cardmember programs, including Citi Entertainment℠, which gives cardholders first access to purchase tickets for thousands of concerts and events. The card also provides access to Citi® Identity Theft Solutions, a service that will help you if you're a victim of identity theft.

The American Express® Gold Card is a travel rewards card with a long list of benefits that can easily make the annual fee worth paying (see rates and fees ). Plus, the Amex Membership Rewards points you earn with this card are some of the most valuable travel points out there since they can be transferred to a variety of airline or hotel partners.

• 4X points at restaurants (plus takeout and delivery in the U.S.)
• 4X points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
• 3X points on flights booked directly with airlines or on Amextravel.com
• 1X points on all other purchases

Earn 60,000 points after you spend $6,000 on eligible purchases within the first six months of card membership.

$250 (see rates and fees )

Cardholders receive up to $120 in dining credit per year ($10 per month) at participating partners and up to $120 in Uber Cash per year ($10 per month) after you add your Amex Gold Card as a payment method in the Uber app. The card also offers no foreign transaction fees (see rates and fees ), baggage insurance, rental car coverage (secondary), extended warranty, purchase protection and trip delay insurance .

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

The Discover it® Cash Back is a no-annual-fee cash-back rewards card that allows you to earn a generous 5% back on rotating spending categories.

• 5% cash back on the first $1,500 in purchases in rotating categories each quarter (when you activate), then 1% cash back. Check out Discover's 5% cash-back calendar .
• 1% cash back on all other purchases

Discover will match the cash back you earn at the end of the first year.

New card members receive an intro 0% APR for 15 months on purchases and eligible balance transfers, then a variable 17.24% to 28.24% applies. An intro balance transfer fee of 3% of the amount you transfer applies to eligible transfers. The standard transfer fee on future balance transfers is up to 5% of the amount of each transfer. (See rates and fees )

The card charges $0 in  foreign transaction fees , which can save you money when traveling abroad.

The Capital One Venture X Rewards Credit Card (see rates and fees ) is a premium credit card with a straightforward rewards structure, a long list of benefits and a lower annual fee than other high-end cards with similar features.

• 10X miles per dollar on hotels and rental cars booked through Capital One Travel portal
• 5X miles per dollar on flights booked through Capital One Travel
• 5X miles on Capital One Entertainment purchases (through Dec. 31, 2025)
• 2X miles on all other purchases

Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

In addition to the annual $300 Capital One Travel credit and 10,000 anniversary bonus miles, the Capital One Venture X Card comes with airport lounge access for the primary cardholder and authorized users. One great feature of this card is that you can add up to four authorized users for free and each cardholder gets access to Priority Pass lounges, Plaza Premium Lounges and Capital One Lounges .

Other benefits include:

• Hertz Presidents Circle status (enrollment required)
• Global Entry/TSA PreCheck® application fee credit (worth up to $100)
• Cell phone protection
• Visa Infinite Concierge
• Rental car collision damage waiver (primary)
• Trip cancellation and interruption coverage
• Trip delay reimbursement
• Lost luggage reimbursement
• Extended warranty protection
• Return protection
• Purchase security

What's the difference between a pre-approval and a pre-qualification?

The terms pre-approval and pre-qualification both refer to the card issuers' pre-screening process that can help you determine whether you'll qualify for a credit card without a hard pull on your credit reports. Prequalified offers are typically initiated by consumers who want to check their approval odds, while preapproved offers are generally unsolicited offers from card issuers.

Does pre-approval or pre-qualification result in a hard credit pull?

Most credit card pre-approvals do not result in a hard pull of your credit. Some issuers require a Social Security Number (SSN) or the last four digits of your SSN to process a pre-approval, but this is generally done to verify your identity and shouldn't result in a credit check unless otherwise stated.

Does pre-approval guarantee approval?

If you qualify for a pre-approved credit card or receive a pre-screened offer in the mail, that does not guarantee you'll be approved. Your credit score, income and history with the card issuers are all taken into account, but won't be fully reviewed unless you submit a traditional card application.

Bottom line

Getting a pre-approved, pre-qualified or pre-screened credit card offer doesn't guarantee you'll get approved for the card if you apply. However, seeing whether you're pre-approved for a card offer is easy and typically doesn't require a hard credit pull. So it doesn't hurt to explore what offers you may qualify for.

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Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every credit card   article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of credit card   products .  While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See  our methodology  for more information on how we choose the best business credit cards for LLCs.

Our methodology

To determine which business cards offer the best value and pre-approval, CNBC Select analyzed the most popular credit cards available to U.S. consumers that also had a publicly available pre-approval or pre-qualification process at the time of writing. We compared each card on a range of features, including the annual fee, employee card fee, rewards, welcome bonus, introductory and standard APR and foreign transaction fees. We also considered additional perks, the application process and how easy it is to redeem points.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

For rates and fees of the American Express® Gold Card, click  here .

For rates and fees of the   Discover it® Cash Back, click here .

For rates and fees of the Wells Fargo Active Cash® Card, click here .

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