9 Best Business Credit Cards of November 2023

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A great business credit card can simplify record-keeping, give your company steady purchasing power and help you earn plenty of rewards.

These types of credit cards can be valuable financial tools for established businesses, startups and even freelancers. They feature many benefits, like reward categories for advertising or shipping services and financial account management tools. Most lenders also provide free credit cards for employees, and you can create personalized credit limits for each to prevent unexpected expenses.

Read on for our list of the best business credit cards and how to pick the best one for you.

Our Top Picks for the Best Business Credit Cards

• Ink Business Preferred® Credit Card - Best small business credit card
• Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card - Best business card for customizable rewards
• Ink Business Cash® Credit Card - Best business credit card with no annual fee
• The Blue Business® Plus Credit Card from American Express - Best business card for everyday spending
• Capital One Spark Cash Select for Excellent Credit - Best no-annual-fee business cash back card
• Ink Business Unlimited® Credit Card - Best no-annual-fee business cash back card runner-up
• The Business Platinum Card® from American Express - Best business travel card
• Ink Business Premier℠ Credit Card - Best business credit card for large purchases
• Capital One Spark 1% Classic - Best Business Card for Fair Credit

Best Business Credit Cards Reviews

Why we chose it: This card's bonus categories are ideal for small businesses, and it comes with valuable benefits that more than make up for its already low annual fee.

With the card_name, you can earn 3x points per dollar on up to $150,000 in combined purchases each card anniversary year (1x points after that) on the following categories:

• Shipping purchases (such as postal and freight shipping companies)
• Advertising purchases made with social media sites and search engines
• Internet, cable and phone services
• Travel (including airlines, hotels, car rental agencies and more)

You can redeem your points for cash back, gift cards and select products or services through the Chase Ultimate Rewards® portal. You can also book trips through the portal, which increases the value of your points to 1.25 cents apiece instead of the usual one cent. Additionally, you can transfer your points to over 10 airline and hotel partners, including Jetblue, United and Marriott.

You’ll also get some worthwhile benefits, including trip cancellation and interruption insurance, primary rental car coverage and cell phone coverage.

If you're a small business owner and want to earn flexible rewards with some travel benefits, the Ink Business Premier℠ Credit Card is an excellent choice. However, if your operational costs exceed $150,000 early in the year, you might do better with a card without caps, like the Chase Ink Business Premier℠.

Best Business Card for Customizable Rewards: Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card

Why we chose it: The Bank of America® Business Advantage Customized Cash Rewards Mastercard® lets you choose your top-earning category from a list of six options, and you can change your pick as often as once a month.

Few no-annual-fee cards allow cardholders to choose their top-earning category. With this card you can earn:

• 3% cash back in the category of your choice: gas stations, office supply stores, travel, TV/telecom and wireless, computer services or business consulting services

• 2% back on dining

• 1% all on other eligible purchases

You can switch your preferred category once a month, so if you plan ahead, you can maximize your earnings by tracking your business needs. For example, you could set travel as your preferred bonus category before a business trip and earn 3% back on the flight ticket, hotel, rental car and rideshare services (like Uber).

However, keep in mind that the card’s 3% and 2% cash back rates are limited to the first $50,000 spent in combined purchases yearly. Once you reach the cap, you’ll only earn 1% back.

If you’re a Bank of America account holder and qualify for the Preferred Rewards for Business program, this could net you up to 75% more cash back on eligible purchases. So instead of the default 3%, you could earn 5.25% back in your preferred category.

The customization capabilities of Business Advantage Customized Cash Rewards are enough to make it stand out. But in addition to that, the card features travel perks that aren't typical for no-annual-fee cards, including auto rental insurance.

All information about the Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card has been collected independently by Money.com.

Why we chose it: The Ink Business Cash® Credit Card is a solid no-annual-fee business credit card that offers generous rewards and several redemption options, including cash back and travel.

With the Ink Business Cash® Credit Card, cardholders can get cash back on office-related expenses, gas stations and restaurants. The card offers:

• 5% cash back on the first $25,000 in combined yearly purchases at office supply stores and on internet, cable and phone services

• 2% back on the first $25,000 spent per year in combined purchases at gas stations and restaurants

• 1% back on all other eligible purchases

Note that, while the Ink Business Cash® Credit Card is advertised as a cash-back credit card, it actually earns points. These are typically worth around one cent each and can be redeemed as a statement credit, checking account deposit, gift cards, travel purchases and more through the Chase Ultimate Rewards® portal.

Keep in mind that the Ink Business Cash® Credit Card is not the best choice for companies with high operational costs. Businesses that spend more than $25,000 each year in this card’s reward categories might get more value from a card with higher spending caps, like the Ink Business Preferred® Credit Card.

Terms apply. Click here for applicable rates and fees.

Why we chose it: With The Blue Business® Plus Credit Card from American Express, you can earn bonus points daily on most purchases without tracking bonus categories. (Terms apply.)

Instead of awarding bonus points or cash back for purchases that fall into specific categories (such as travel or gas stations), this American Express card offers:

• 2x Membership Rewards® points per dollar spent on the first $50,000 in eligible purchases each year (1x point thereafter)

• 1x on other eligible purchases

• Terms apply

You can use your points through the American Express® travel portal (usually at a value of one cent per point) or transfer them to one of the issuer’s airline and hotel partners, which include Delta, Jetblue and Hilton. You can also use them to buy gift cards and make purchases at select online stores.

This card features American Express’ Expanded Buying Power, which lets you spend above your credit limit (up to a certain amount). How much extra credit you're granted depends on your payment history, credit record and financial resources. Note that you must pay the amount spent over your credit limit in full each billing cycle, or you'll incur interest and over-limit fees.

If you're looking for a business credit card without an annual fee and with a simple reward system, The Blue Business® Plus Credit Card from American Express is a solid pick. However, note that this card is not ideal if you'd like to redeem your points for statement credits — points are valued at 0.6 cents per dollar this way.

Why we chose it: The card_name offers a higher base-reward rate than other no-annual-fee business cards, and cardholders can earn unlimited cash back on all eligible purchases.

Most cash-back cards without an annual fee earn 1% back on eligible transactions, and their higher rewards are limited to specific spending categories. They typically also have yearly or quarterly spending caps.

The Capital One Spark Cash Select, on the other hand, has no caps. Your business could earn:

• 5% cash back on hotels and rental cars booked through Capital One Travel
• 1.5% cash back on all other eligible purchase

Additionally, while most cards without annual fees charge around 3% on each transaction processed outside of the U.S., the Spark Cash Select doesn’t charge any foreign transaction fees.

You can redeem your cash back as a statement credit or a check. (Other cash back business cards with no annual fee and similar reward rates only provide statement credits.) You can also set up automatic redemptions to get your cash back at a set time each year or when you’ve accumulated a specific dollar amount.

Overall, this card is ideal for business owners who don't want to keep track of spending categories and yearly caps. However, businesses with high operational expenses should consider a card like the Chase Ink Business Preferred® Credit Card, which offers bonus categories such as shipping services and phone services.

Why we chose it: The card_name is an excellent option for business owners who prefer a simple earning structure and flexible redemption options.

With the Ink Business Unlimited® Credit Card, you can earn 1.5% back on all eligible purchases made for your business without any yearly caps, and you can redeem your rewards for statement credits or direct deposits (to checking and savings accounts).

And while this card is marketed as offering cash back, it actually gets Chase Ultimate Rewards® points that can also be redeemed for travel, gift cards, products and other services available through the Chase Ultimate Rewards® portal.

You can also transfer your points to other cards that earn Chase Ultimate Rewards® points, such as the Chase Ink Business Preferred® Credit Card. So the card might be a great addition to your wallet if you already own other Chase credit cards.

The Ink Business Unlimited® Credit Card provides more redemption options than the Capital One Spark Cash Select. However, it doesn’t offer any additional bonus categories, and it’s not a good option for international travel since it charges a 3% foreign transaction fee. Still, it provides primary car rental insurance, which the Capital One card doesn’t and is uncommon among no-annual-fee cards.

(Terms apply. Click here for applicable rates and fees.)

Why we chose it: The Business Platinum Card® from American Express is an excellent business and travel credit card featuring an extensive list of benefits that few other cards can match.

The card provides yearly statement credits for purchases made at Dell, Indeed, Adobe and/or U.S. wireless telephone providers. (Enrollment required.) Additionally, it offers:

• 5x points on flights and prepaid hotels booked through the amextravel.com portal

• 1.5x points (up to the first $2 million spent combined each year) on eligible purchases at U.S. construction material and hardware suppliers, electronic goods retailers, software and cloud system providers, and shipping providers

• 1.5x points (up to the first $2 million spent combined each year) on eligible business purchases of $5,000 or more, regardless of the category

• Terms apply

The card also features perks that make it an excellent travel credit card, including a wide variety of statement credits. For example:

• Up to $200 per year in airline fee credits to cover checked bags, in-flight refreshments and other incidental fees charged by the airline to your Business Platinum Card® (must select a qualifying airline)

• $100 credit for Global Entry or $85 for TSA PreCheck® (every 4 or 4.5 years, respectively) ​​when you use your Business Platinum Card® to enroll

• Up to $189 for CLEAR® Plus membership once per year (subject to auto-renewal) when you pay for membership using your Business Platinum Card®

• Access to over 1,400 airport lounges worldwide (enrollment required for Priority Pass Select)

• Terms Apply

You also get a 35% point refund when redeeming points through the American Express Travel portal for first- or business-class tickets (up to 1,000,000 bonus points back per calendar year). The refund is also available when cardholders book any service class ticket with a pre-selected airline. (Customers can pick a preferred airline once per year.)

Note, however, that to receive the rebate, you'll first need to have enough points saved to cover the total amount of the flight you'd like to book.

The Business Platinum Card® from American Express has one of the steepest annual fees ($695) in the market. However, it's well worth it if you travel enough to take advantage of its extensive list of benefits.

Why we chose it: The Ink Business Premier℠ Credit Card is a good option for businesses that often make large purchases of $5,000 or more.

With the Ink Business Premier℠ Credit Card, cardmembers can earn:

• 5% total cash back on travel purchased through the Chase Ultimate Rewards® portal

• 2.5% cash back on every purchase of $5,000 or more

• 2% cash back on all other eligible business purchases

Additionally, it offers 5% back on Lyft rides through March 2025.

This card gives cash back in the form of Chase Ultimate Rewards® points. These have a value of one cent per point and can be used for cash, gift cards, travel purchases and for products or services through the Chase Ultimate Rewards® program or directly from third parties.

However, you can't transfer your points to travel partners or other Chase cards, and you won't get a higher redemption value if you use them to book travel through the Chase Ultimate Rewards® portal either. (These options are available with other Chase business cards.)

Keep in mind that the card is what Chase calls a Pay in Full business card — this means you can pay the entire balance in full by the due date and avoid interest charges, or use the Flex for Business feature for qualified charges of $500 or more.

This feature gives the card more flexibility, but some might consider it a hassle to track which transactions must be settled by the end of the month and which can be paid over several months. However, this shouldn't be an issue if you consistently pay your bill in full each month — which is recommended to avoid paying interest charges.

As previously mentioned, the Ink Business Premier℠ Credit Card is best suited for businesses with frequent large purchases of $5,000 or more which can take full advantage of the 2.5% rate. If that's not your case, consider a card with a lower annual fee, like the Ink Business Preferred® Credit Card.

Why we chose it: Most of the best business credit cards require good or excellent credit. The Capital One Spark 1% Classic, on the other hand, is available for business owners with a limited or fair credit history.

Capital One advertises the Capital One Spark 1% Classic as a credit-building option and provides some guidelines that describe the ideal cardholder as someone who has:

• Defaulted on a loan in the past five years
• A limited credit history
• Credit cards or other credit accounts for less than three years

Note, however, that this doesn’t mean approval is guaranteed as Capital One will still take your full credit history, income and other criteria into account.

Since the Capital One Spark 1% Classic is a starter business card, its list of bonus categories is limited and the card only offers 1% cash back on most eligible purchases. You can, however, earn 5% cash back on hotels and rental cars if booked through Capital One Travel.

The card doesn't offer a welcome bonus, perks or travel insurance. However, it doesn't charge foreign transaction fees, which other no-annual-fee cards do.

So, if you're looking for a card that can help you build or improve your credit, the Capital One Spark 1% Classic is a solid option. However, if you have a good or excellent credit score, you're better off with one of the other cards in our list.

All information about the Capital One Spark 1% Classic has been collected independently by Money.com. It has not been reviewed or provided by the issuer.

Other business credit cards we considered

The American Express Blue Business Cash™ Card

Terms apply. Click here for applicable rates and fees.

The American Express Blue Business Cash™ Card offers 2% cash back on eligible business purchases (up to $50,000 per calendar year, then 1%). This makes it an excellent choice for business owners who prefer a straightforward reward rate that isn’t limited to specific bonus categories.

Having said that, the card's redemption options are limited. With this card, your cash back is automatically redeemed as a statement credit at the end of each billing cycle. Other cash-back cards also allow you to redeem your rewards for travel, gift cards, direct deposits and more.

American Express® Business Gold Card

Terms apply. Click here for applicable rates and fees.

With the American Express® Business Gold Card, you can earn 4X Membership Rewards® points on the two categories on which your business spends the most each billing cycle. The categories that qualify for the 4X bonus rate include:

• U.S. media providers for advertising purchases in select media (online, TV, radio)

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways

• U.S. purchases at gas stations

• U.S. purchases at restaurants, including takeout and delivery

• U.S. purchases from electronic goods retailers and software and cloud system providers

• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

• Terms apply

You can also earn 3X points on flights and prepaid hotels booked through AmexTravel.com.

However, the 4X reward rate is limited to the first $150,000 spent in combined purchases per year; after that, you only get 1x per dollar. (Only purchases in your top two spending categories each billing cycle count towards the annual cap.) The card also has a high annual fee of $295 ($375 if the application is received on or after January 2, 2024).

This and its yearly cap make it an ideal option only for business owners who spend heavily on the card's select bonus categories.

Capital One Spark Cash Plus

The Capital One Spark Cash Plus earns 5% cash back on hotels and rental cars booked through the Capital One travel portal and 2% back on all other purchases, with no category restrictions or spending caps.

The Capital One Spark Cash Plus is a charge card, which means it’s not issued with a preset spending limit (also known as credit limit). Each transaction is approved individually based on a person’s income and credit record. This gives business owners with an excellent credit history more flexibility if unexpected expenses arise, allowing them to use their card without worrying about reaching a specific cap.

The downside to charge cards is that their balance must be paid in full each month or else you’ll get charged a fee — unlike standard credit cards that let you accrue a balance as long as you make a minimum payment each month.

The Capital One Spark Cash Plus didn’t make our list because it offers few benefits when compared to other cards with a similar or lower annual fee ($150). However, it does include car rental insurance, roadside assistance (with a cost per service) and travel emergency assistance. It also offers an extended warranty on eligible items purchased with the card, but this feature is available even with most no-annual-fee credit cards.

Business Credit Cards Guide

Business credit cards do more than offer high rewards on business expenditures. They separate your business and personal finances and help you build business credit, which is essential as your company’s needs grow. They can also give your business greater spending flexibility.

Read on for an overview of how these cards work and how to choose the best business credit card for you.

What is a business credit card?

Business credit cards provide business owners with a separate line of credit from their personal ones, which can make keeping track of a company’s expenses or filing taxes more efficient.

These cards are designed with businesses in mind, and often feature higher credit limits than personal credit cards and free employee cards with customizable spending limits. They also include account management tools such as automated quarterly and year-end summaries and free access to accounting programs, like Quickbooks.

Business credit cards offer generous rewards for everyday business expenses, including office supplies, phone plans and social media advertising. And most cards also have additional bonus rates for popular everyday spending categories like dining, gas and travel.

How do business credit cards work?

While they differ in some ways, business credit cards work pretty much in the same way as personal cards do.

With the exception of charge cards, both business and personal cards give users access to a revolving line of credit, meaning you can make purchases or take out cash advances up to a certain amount, known as the credit limit.

You'll receive an account statement at the end of each billing cycle disclosing the total amount owed and a minimum amount due. Paying the full balance is recommended to avoid paying interest charges and late fees and to keep your account in good standing. Making the minimum payment also allows you to avoid late fees, but it's not recommended as you'll start raking up interest charges on your remaining balance.

What is a business credit score?

Business credit scores are calculated based on your business’s credit report, which can include details such as the number of employees, debt owed and payment history. Similar to your credit score, a business credit score tells issuers how likely or not a company is to pay back debt.

Most business credit scores are ranked on a scale of 0 to 100. For example, the PAYDEX scoring system by Dun & Bradstreet classifies companies with ratings of 80 or more as prompt payers, while those with scores below 50 are at a high risk of making payments 30 or more days past due.

If you’d like to check out your company’s credit score, you’ll have to either pay a one-time fee or subscribe to the bureaus’ credit monitoring services. Here’s where you can request the report and score of each business credit bureau:

• Dun & Bradstreet
• Equifax
• Experian

Do note that to get a business credit score from Dun & Bradstreet, you first need a D-U-N-S (Data Universal Numbering System) number. You can request one for free here.

What is an EIN number?

An Employer Identification Number, or EIN, is a unique nine-digit number issued to your business by the Internal Revenue Service (IRS). An EIN is necessary to file taxes, open a business bank account and apply for business licenses and credit cards.

Independent contractors and freelancers are generally not required to have an EIN; only business owners with employees do. However, there are exceptional cases, so check out this guide from the IRS to check if you need an EIN. You can apply online using the IRS’s EIN Assistant if you need one.

Types of business credit cards

Here’s a rundown of how the differences between the three main types of business credit cards:

Small business credit cards

Most business cards are available for all business sizes; however, some cards offer perks and benefits that could benefit businesses that don’t have the staff or level of operational expenses that big corporations have. These business cards can benefit small businesses and even individual freelancers.

Like consumer credit cards, small business credit cards have point programs that allow the primary cardholders to earn points for rewards such as hotel nights, flight tickets, cash back and gift cards.

Other business credit cards earn cash back rewards, which can typically be redeemed as statement credits or checking account deposits. However, nowadays, it’s common to find business cards that are advertised as cash back credit cards but also let cardholders redeem their rewards as gift cards, travel bookings or through online store checkouts, for example.

Most small business credit cards require a personal guarantee, which means that if the company ever goes bankrupt or is behind on payments, you’ll be personally liable for the remaining debt on the card.

Corporate credit card

Corporate credit cards are usually geared towards larger corporations with a well-established business history, significant revenue and hundreds or more employees.

A business must be registered as C-Corp, S-Corp or LLC to qualify, not as a sole proprietorship or partnership (although some card issuers welcome all business structures). Also, the company is responsible for paying the card, not the owner directly. This means that approval of the account is based mainly on the company's finances — unlike small business cards, which take into account an individual's credit report.

Besides these features, corporate cards are no different from small business ones. They both offer reward rates for spending categories and may feature business and travel perks such as statement credits for software purchases or discounted airfare.

Charge cards

Business charge cards don’t have pre-set spending limits like regular credit cards do. Instead, they must be paid in full each month and do not give the option of making minimum payments. Because you’re paying your debt in full every month, these cards don’t charge interest either. If the bill is not paid on time at the end of a billing cycle, you’ll incur late fees and other penalties, depending on your card’s agreement.

Not having an established credit limit doesn’t mean charge cards can be used indiscriminately. Each transaction you make is approved individually based on your income and payment history.

Business credit cards vs personal credit cards

One of the main differences between business and personal credit cards is to which credit agencies issuers report their activity and how they impact your credit history.

The account activity on personal credit cards gets reported to the three major credit bureaus — Experian, Equifax and TransUnion. These agencies collect consumer financial information, such as payment history and monthly balances, so personal credit cards directly impact your credit report.

On the other hand, activity on business credit cards gets reported to business credit bureaus, such as Dun & Bradstreet. For this reason, business credit cards generally don’t affect your personal credit score. However, while business card issuers mainly report to business credit bureaus, they might report late or missed payments to consumer credit agencies, which impacts your financial history and odds of getting approved for new credit lines.

Another difference between personal and business credit cards is that the latter are not protected by the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act). This act includes several consumer protection provisions, such as a requirement that credit card issuers alert customers of interest rate hikes at least 45 days in advance.

However, although the CARD Act only applies to consumer credit cards, some business card issuers do add similar protections to their cards by choice.

How to choose a business credit card

To pick a card that fits your needs, review your business’s bills and determine your main spending categories. This can help narrow your options by focusing on cards with bonus categories that fit your daily spending.

You should also consider if the bonus categories have quarterly or annual spending caps, as this can limit some businesses' reward-earning potential.

Beyond reward rates, you should compare cards based on their fees and interest rates. For example, if you travel often, you may want a card that doesn't charge foreign transaction fees.

Lastly, while welcome offers can be enticing, focusing on ongoing benefits and redemption options is best. These extra perks often determine how valuable a card can be for you. For example, you might benefit more from a card that provides cash back rather than one that only permits travel-related redemptions.

How to get a business credit card

Before applying for a business credit card, you should evaluate your credit history to get an idea of what lenders will see. Watch out for inaccurate or outdated information on your credit report that might be lowering your credit score, and if you find any, dispute it. (Check out How to Dispute Your Credit Report for more information.)

Besides checking your report, creditors will also ask for detailed information about your company’s revenue and expenses. Providing as much documentation as possible will help you accelerate the process and improve your approval odds.

Business credit card requirements

Most card applications can be completed online in a couple of minutes. Here are some details you’ll likely need to provide during the process:

• Legal name
• Date of birth
• Social Security number
• Home address
• Email address
• Phone number
• Annual income
• Business name and contact information
• Number of employees
• Business type and category
• Legal business structure
• Employer identification number (EIN)
• Estimated revenue
• Monthly expenses

Pros and Cons of having a business credit card

Latest News in Business Credit Cards

• Credit card debt and delinquencies have been on the rise, causing banks to get stricter with their approvals. Read more about it in our article Why Getting Approved for a Credit Card is Becoming Harder (and What You Can Do About It).

• Total credit card debt has increased rapidly, prompting many to wonder how they should go about handling their credit card bills. We explain how in What Will It Take To Pay Off My Credit Card?

• Inflation and increased interest rates resulted in a significant increase of new credit cards applications. Read more about it in American Are Getting Tons of New Credit Cards to Cope with Inflation.

How We Chose the Best Business Credit Cards

We evaluated dozens of business credit cards based on their rewards rates, ongoing benefits, fees and redemption options.

• Reward programs. We evaluated the rewards programs of each card and considered how their spending categories could help businesses maximize earnings.

• Ongoing benefits. We preferred cards that feature several ongoing benefits, like extended warranty, purchase protection, rental car insurance, travel coverage and more.

• Introductory offers. If some cards had similar bonus rates and benefits, we compared their welcome bonuses and introductory APR offers.

• Fees. We considered each card’s annual, foreign transaction, cash advance and balance transfer fees.

Summary of Money’s Best Business Credit Cards of November 2023

• Ink Business Preferred® Credit Card - Best small business credit card
• Bank of America® Business Advantage Customized Cash Rewards Mastercard® Credit Card - Best business card for customizable rewards
• Ink Business Cash® Credit Card - Best business credit card with no annual fee
• The Blue Business® Plus Credit Card from American Express - Best business card for everyday spending
• Capital One Spark Cash Select for Excellent Credit - Best no-annual-fee business cash back card
• Ink Business Unlimited® Credit Card - Best no-annual-fee business cash back card runner-up
• The Business Platinum Card® from American Express - Best business travel card
• Ink Business Premier℠ Credit Card - Best business credit card for large purchases
• Capital One Spark 1% Classic - Best Business Card for Fair Credit

To see rates and fees for The Blue Business® Plus Credit Card from American Express, please visit this link. Terms apply.

To see rates and fees for The Business Platinum Card® from American Express, please visit this link. Terms apply.

To see rates and fees for the American Express® Business Gold Card, please visit this link. Terms apply.

To see rates and fees for The American Express Blue Business Cash™ Card, please visit this link. Terms apply.

* Insurance disclosures for American Express Cards on this page:

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.

Global Assist Hotline: Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Card Members are responsible for the costs charged by third-party service providers.

Extended Warranty, Purchase Protection, Baggage Insurance Plan: 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.

Car Rental Loss & Damage Insurance: 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.6 Best Business Credit Cards of May 2023

** Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

*** Car Rental Loss and Damage Insurance can provide coverage up to $50,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. 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. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.