Money Analysed

Maximizing Rewards: A Comprehensive Guide to American Express Business Credit Cards and Co-Branded Options

American Express Business Credit Cards

Business credit cards can be a powerful tool for managing expenses and earning rewards. Among the many options available, American Express stands out as a provider of high-quality business credit cards with a wide range of benefits.

In this article, we’ll take a look at some of the benefits of American Express business credit cards, popular Amex cards, the rewards offered, and how to choose the right card for your business.

Benefits Offered

American Express offers a variety of benefits for its business credit cards, including rewards programs, cash back, hotel points, airline miles, and more. Here are some of the key benefits to consider:

– Rewards: Amex business credit cards often come with rewards programs that allow cardholders to accumulate points or miles for every dollar spent on the card.

These rewards can be redeemed for statement credits, travel, merchandise, and more. Depending on the card, rewards may be earned in the form of cash back, airline miles, hotel points, or Amex’s proprietary Membership Rewards.

– Cash Back: Some Amex business credit cards offer cash back programs that allow cardholders to earn a percentage of their spending as cash back. This can be a great way to offset business expenses and reduce the overall cost of doing business.

– Hotel Points: American Express has partnerships with several hotel chains, including Marriott Bonvoy and Hilton Honors. Business credit cards co-branded with these hotels can earn cardholders bonus hotel points, free nights, and/or elite status.

– Airline Miles: Similarly, Amex business credit cards co-branded with airlines like Delta SkyMiles can earn cardholders bonus miles, free checked bags, and/or priority boarding. – Membership Rewards: American Express’s proprietary rewards program, Membership Rewards, allows cardholders to earn points on every dollar spent on the card, which can be redeemed for statement credits, merchandise, travel, and more.

Popular Amex Business Credit Cards

American Express offers a wide range of business credit cards with varying benefits and rewards. Here are some of the most popular:

– Marriott Bonvoy Business American Express Card: Co-branded with Marriott Bonvoy, this card offers six points per dollar spent at participating Marriott Bonvoy hotels, four points per dollar spent at U.S. restaurants, gas stations, and on wireless telephone services purchased directly with U.S. service providers, and two points per dollar spent on all other eligible purchases.

– Business Platinum Card from American Express: This high-end card offers up to five Membership Rewards points per dollar spent on flights and prepaid hotels booked through Amex Travel, and one point per dollar spent on everything else. The card also includes access to airport lounges, concierge services, and several other travel-related benefits.

– Hilton Honors American Express Business Card: Co-branded with Hilton Honors, this card offers 12 points per dollar spent at participating hotels and resorts within the Hilton portfolio, six points per dollar spent on U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, U.S. shipping purchases, and flights booked directly with airlines or with Amex Travel. The card also comes with complimentary Hilton Honors Gold status and access to Priority Pass Select lounges.

– Delta SkyMiles Gold Business American Express Card: Co-branded with Delta, this card offers two miles per dollar spent on eligible purchases made directly with Delta, at U.S. restaurants, at U.S. supermarkets, and on wireless telephone services purchased directly from U.S. service providers. The card also features free checked bags, priority boarding, and access to Delta Sky Club lounges.

Rewards Available

When it comes to rewards, American Express business credit cards offer a wide range of options. Depending on the card, you may be able to earn cash back, airline miles, hotel points, or Membership Rewards.

Here’s a brief rundown of each:

– Cash Back: With cash back rewards programs, cardholders earn a percentage of their spending as cash back, which can be redeemed for statement credits, checks, or other rewards. – Airline Miles: Airlines rewards programs allow cardholders to earn miles for every dollar spent on the card, which can be redeemed for flights, upgrades, or other travel-related perks.

– Hotel Points: Co-branded hotel credit cards earn points for every dollar spent at participating hotels, which can be redeemed for free nights, upgrades, and other perks. – Membership Rewards: The Amex Membership Rewards program allows cardholders to earn Membership Rewards points for every dollar spent on the card, which can be redeemed for statement credits, merchandise, travel, and more.

Choosing the Right Amex Credit Card

When it comes to choosing the right American Express business credit card, there are several factors to consider. First and foremost is the annual fee.

Depending on the card, you may be responsible for paying an annual fee ranging from $0 to several hundred dollars. Consider your budget and spending habits to determine whether the rewards earn and benefits offered by the card will outweigh the cost of the annual fee.

Next, consider the rewards available. Do you want cash back or travel rewards?

If you travel frequently, a co-branded airline or hotel credit card may be your best bet. If you prefer more flexible rewards, a card that earns Membership Rewards points may be a better fit.

Consider how you plan to use the rewards and choose a card that aligns with your goals. Finally, consider whether you want an airline co-branded or hotel co-branded card.

These cards often offer additional benefits like free checked bags, priority boarding, and elite status, but they may be less versatile than a card that earns more general rewards. Choose a card that aligns with your travel preferences and gives you the most value for your spending.

Cash Back Credit Cards

Cash back credit cards are a popular type of rewards credit card that allow cardholders to earn a percentage of their spending as cash back. Depending on the card, cash back may be earned in the form of statement credits, checks, or other rewards.

One popular cash back credit card is the Blue Business Cash Card from American Express.

Explanation of Rewards

Cash back rewards allow cardholders to earn a percentage of their spending as cash back, which can be redeemed for statement credits, checks, or other rewards. Depending on the card, cash back may be earned at a flat rate for all purchases or may vary by spending category.

For example, many cash back credit cards offer higher rewards rates for spending on groceries, gas, or travel.

Blue Business Cash Card Benefits

The Blue Business Cash Card from American Express is a cash back credit card that offers several benefits for business owners. The card has no annual fee and earns 2% cash back on all eligible purchases up to $50,000 per calendar year, then 1%.

This can add up to significant savings for businesses that spend a lot on expenses like office supplies, travel, or dining out. Additionally, the card offers Expanded Buying Power, which allows cardholders to spend beyond their credit limit, up to a certain amount.

This can be helpful for businesses that have periodic expenses that exceed their usual spending limits. The card also comes with account management tools that allow you to track expenses, set spending limits for employees, and more.

Conclusion

Overall, American Express business credit cards offer a wide range of benefits and rewards for business owners. From co-branded travel credit cards to cash back rewards, Amex has something for every type of business.

When choosing an Amex business credit card, consider the annual fee, rewards, and benefits offered to determine which card will give you the most value for your spending.

Airline Co-branded Credit Cards

Airline co-branded credit cards are a popular type of rewards credit card that are offered in partnership between airlines and credit card companies. These cards offer a range of benefits to cardholders, including free checked bags, priority boarding, discounts on in-flight purchases, and more.

In this article, we’ll take a closer look at the perks of airline co-branded credit cards, and the benefits of Delta SkyMiles Gold Business Credit Card.

Explanation of Perks

Airline co-branded credit cards offer a range of perks that can be especially valuable for frequent flyers. Here are some of the most common perks offered by these cards:

– Free Checked Bags: Many airline co-branded credit cards offer free checked bags for cardholders and sometimes for additional travelers on the same reservation.

This can save significant money, as airlines typically charge around $30 per checked bag each way. – Priority Boarding: Cardholders may also receive priority boarding, which allows them to board the plane before other passengers and secure overhead bin space for their luggage.

– Discounts on In-Flight Purchases: Some airline co-branded credit cards offer discounts on in-flight purchases, such as food, beverages, and Wi-Fi.

– Elite Status: Co-branded credit cards may offer automatic elite status or help cardholders achieve status more quickly. Elite status can come with additional benefits like free upgrades, bonus miles, and lounge access.

Benefits of Delta SkyMiles Gold Business Credit Card

If you frequently travel on Delta Air Lines, the Delta SkyMiles Gold Business Credit Card from American Express can be a valuable tool for earning rewards and accessing perks. Here are some of the benefits of this card:

– 2X Miles: The Delta SkyMiles Gold Business Credit Card earns two miles per dollar spent on eligible purchases made directly with Delta, at U.S. restaurants, at U.S. supermarkets, and on wireless telephone services purchased directly from U.S. service providers.

– Free Checked Bag: Cardholders and up to eight additional travelers on the same reservation receive their first checked bag free on Delta flights. This can add up to significant savings if you travel frequently or with a large group.

– Priority Boarding: Cardholders also receive priority boarding on Delta flights, allowing them to board earlier and secure overhead bin space for their luggage.

Hotel Co-branded Credit Cards

Just like airline co-branded credit cards, hotel co-branded credit cards offer a range of benefits and rewards to cardholders. These cards are offered in partnership between hotels and credit card companies and typically allow cardholders to earn points or free nights for every dollar spent.

In this article, we’ll take a closer look at the rewards and elite status offered by hotel co-branded credit cards, as well as the benefits of two popular cards: the Hilton Honors Business Card and the Marriott Bonvoy Business American Express Card.

Explanation of Rewards and Elite Status

Hotel co-branded credit cards offer rewards to cardholders that can be redeemed for free stays, upgrades, and other perks. Typically, cardholders earn points or miles for every dollar spent on the card, with bonus points for spending at participating hotels.

Additionally, hotel co-branded credit cards may offer elite status, which comes with additional perks like free upgrades, late checkout, and lounge access.

Benefits of Hilton Honors Business Card

The Hilton Honors Business Card from American Express is a hotel co-branded credit card that’s great for earning points and accessing exclusive benefits. Here are some of the benefits of this card:

– 12X Points: Cardholders earn 12 points per dollar spent at participating hotels and resorts within the Hilton portfolio, six points per dollar spent on U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, U.S. shipping purchases, and flights booked directly with airlines or with Amex Travel.

– Complimentary Gold Status: Cardholders receive complimentary Hilton Honors Gold status, which offers room upgrades, late checkout, and free breakfast at participating hotels. – Priority Pass Visits: Cardholders also receive 10 free Priority Pass lounge visits per year, which can be great for relaxing or working during layovers.

Benefits of Marriott Bonvoy Business American Express Card

The Marriott Bonvoy Business American Express Card is another hotel co-branded credit card that can be a great tool for earning free nights and accessing exclusive benefits. Here are some of the benefits of this card:

– 6X Points: Cardholders earn six points per dollar spent at participating Marriott Bonvoy hotels, four points per dollar spent at U.S. restaurants, gas stations, and on wireless telephone services purchased directly with U.S. service providers, and two points per dollar spent on all other eligible purchases.

– Automatic Elite Status: Cardholders receive automatic Silver Elite status with Marriott Bonvoy, which offers late checkout, room upgrades, and exclusive member rates. – Free Nights: Cardholders also receive a free night award every year after their account anniversary, which can be redeemed for a stay at a participating hotel with a redemption level up to 35,000 points.

Conclusion

If you’re a frequent traveler, co-branded credit cards can be a great way to earn rewards and access exclusive benefits. Whether you prefer to fly with Delta or stay at Hilton or Marriott properties, there’s a co-branded credit card out there that can help you save money and make your trips more enjoyable.

Consider your travel habits and preferences when choosing a credit card, and be sure to read the fine print to understand the rewards and benefits offered.

Cards That Earn Membership Rewards

American Express’s proprietary rewards program, Membership Rewards, is highly flexible and can be used to earn points on a wide variety of purchases and redeem them for a range of rewards. Cardholders earn Membership Rewards points for every dollar spent on the card, which can be redeemed for statement credits, merchandise, travel, and more.

In this article, we’ll take a closer look at the points usage and flexibility of Membership Rewards, as well as the benefits of the Business Gold Card.

Explanation of Points Usage and Flexibility

Membership Rewards points are highly flexible and can be used to earn rewards in a variety of categories, including flights, hotels, merchandise, and more. Here are some of the key ways to use Membership Rewards points:

– Flights: Cardholders can use Membership Rewards points to book flights directly with airlines or through Amex’s travel portal.

Depending on the card, points may be redeemed for a set value per point or transferred to airline loyalty programs for potentially higher redemption rates. – Hotels: Similarly, cardholders can use Membership Rewards points to book hotel stays directly or to transfer points to hotel loyalty programs for additional redemption options.

– Transfers: Membership Rewards points can also be transferred to a variety of airline and hotel loyalty programs, giving cardholders even more options for maximizing the value of their points. – Statement Credits: Cardholders can redeem Membership Rewards points for statement credits, which effectively lower the cost of eligible purchases and reduce overall spending.

Benefits of Business Gold Card

The Business Gold Card from American Express is a great card for earning Membership Rewards points and accessing other rewards and benefits. Here are some of the benefits of this card:

– 4X Membership Rewards Points: Cardholders earn 4X Membership Rewards points on the two select categories in which the business spends the most each billing cycle from a list of the following six categories: airfare purchased directly from airlines, U.S. purchases for advertising in select media, U.S. purchases at gas stations, U.S. purchases at restaurants, U.S. purchases for shipping, and U.S. computer hardware, software, and cloud computing purchases made directly from select providers.

– 25% Points Back: When cardholders use Membership Rewards Pay with Points to book a flight on the American Express Travel website, they get 25% of those points back. – Pay Over Time: Cardholders can also choose to Pay Over Time on eligible purchases with interest, allowing them to extend payments over time while still earning Membership Rewards points.

Amex Offers

In addition to earning Membership Rewards points, American Express cardholders can also take advantage of

Amex Offers, which are personalized deals and discounts available to cardholders. These offers are available for a variety of merchants and can be activated and redeemed directly through the cardholder’s online account.

In this article, we’ll explain how

Amex Offers work and give an example of a recent offer.

Explanation of Personalized Offers and How to Use Them

Amex Offers are personalized deals available to American Express cardholders. These offers are tailored to the cardholder’s spending habits and preferences and can include discounts, statement credits, and other types of rewards.

Here’s how to use

Amex Offers:

– Activate:

Amex Offers are available for select cardholders and must be activated through the cardholder’s online account or mobile app. Cardholders can browse available offers and choose which ones to activate.

– Shop: Once an offer is activated, cardholders can make a qualifying purchase to trigger the reward. The offer terms and conditions will specify the qualifying purchase amount, eligible merchant

Popular Posts