American Express Loans Reviews Commercial

Please note: A 1.5x state multiplier is applied to two million dollars of eligible purchases per calendar year per account.

Amex Offers: Everything You Need To Know

The Platinum Business Card offers a very generous welcome bonus to new customers. Although terms and conditions apply, you can earn 120,000 Membership Rewards after spending $15,000 on purchases in the first 3 months of card membership. If you pay one cent for each bonus point (select redemption methods are possible), your welcome bonus is worth $1,200 – almost double the annual fee.

There are several ways to redeem your Platinum Membership Rewards points on your Card. Note, however, that some rescues are more profitable than others.

You can link your Membership Rewards account to 16 merchant checking systems (including PayPal) and use your points to make purchases in your online cart. When you use the notes in this way, they will be half cents to cents.

You can make purchases with your points at MembershipRewards.com. The site features thousands of products sold by American Express® trading partners. Each of your points will only convert half a cent when you use them on this platform, so it’s not your best bet to increase the value of the rewards.

American Express Business Gold Card Review: No Fuss With High Earning Potential

If you want a better seat on an upcoming flight, you can offer your Membership Rewards points at the airport in exchange for an upgrade. The airline may accept or reject your offer.

If your offer is accepted, the airline will charge your credit card for the price of the upgrade. American Express will then deduct the points from your Membership Rewards account and apply them to your card statement to cover the cost of the upgrade.

You can also redeem Membership points for gift cards. Food and retail gift cards tend to give you a more favorable exchange rate—closer to 1 percent per point. However, some options can only set you back half a cent per note.

If you have an American Express® Business Checking Account, you can convert your points to cash deposits in that account. You’ll get $10 in 1,000 points if you link your credit card and checking account to the same Membership Rewards account. Otherwise, you get $8 per 1,000 points.

How Can You Get The Best American Express Credit Cards If You Don’t Have A Us Credit Score?

Transferring your Membership Rewards points to your favorite airline or hotel loyalty program can provide the best rate of return. Typically, you will earn a cent on each item purchased. However, the Hilton Honors program offers a higher redemption rate; Merits only Membership is worth two Hilton Honors points.

You can use your Membership Rewards points to reduce the balance owed on your credit card. However, you’ll only earn 0.60 cents per point (that’s six-tenths of a cent, not 60 cents), and you need to use enough points to cover the entire charge on your checking account. Additionally, the statement credit does not count toward your minimum monthly payment, no matter how much you owe.

In addition to the points you’ll earn for making eligible purchases, you’ll enjoy these valuable benefits (and more) as a Business Platinum Card member:

If your business takes you far and wide, the Business Platinum Card from American Express may offer features worth considering. You can easily offset the annual fee if you use a fraction of the card’s benefits. However, if travel is not a major expense item, a separate card may be more suitable for your business needs.

American Express Business

When looking for a business credit card, it’s wise to compare your options. In this case, you may want to consider the Business Gold Card from American Express.

The American Express® Business Gold Card and the Business Platinum Card have a flexible credit limit, Time to Pay options on select purchases, no foreign transaction fees, and the same APR. However, this is where the similarities end.

Compared to the 120,000 welcome points cardholders receive with the Platinum card, Gold Business cardholders receive just 70,000 Membership Rewards® points after spending $10,000 on eligible purchases with the Gold Business Card in the first 3 months of Card Membership. . In addition, the Gold Card gives a maximum of 4x Membership Rewards points in 2 categories where your business spends each billing cycle from 6 eligible categories. You’ll earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (and 1x thereafter). Only the top 2 types each pay cycle will count towards the 150,000 cap.

Although the Gold Card offers several points and benefits to card members, it comes with a lower cost of ownership. Its annual fee is $400 less than its Platinum counterpart—just $295.

Card Review: Amex Business Platinum

American Express® does not disclose specific eligibility criteria on its website. You may be eligible for the Amex Business Platinum Card with excellent or exceptional credit (740+).

The Amex Business Platinum Card offers a larger welcome bonus and gives you more points on certain types of purchases than the Amex Business Gold Card. However, the Amex Business Gold Card has a low annual fee and a low spending limit required to receive the welcome bonus.

You cannot use the Amex Business Platinum Card for your purchases. The terms and conditions of the card clearly state that you can only use it for commercial or business purposes.

Please note that card details are correct as of the date of publication but are subject to change at any time at the discretion of the issuer. Before applying, please contact the card issuer to confirm rates, fees and benefits.

The Blue Business Plus Card From Amex Review [2023]

Terms apply to American Express benefits and privileges. Registration may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Eligibility and Benefit Levels vary by Card. Terms, Conditions and Limits apply. Visit americanexpress.com/benefitsguide for more information. Underwritten by Amex Assurance Company.

Editorial staff. This content has not been reviewed or authorized by any of our partners or other third parties. Why we love this card: The Blue Cash Everyday® Card from American Express is very competitive in the annual cash back category with 3% back on groceries, online shopping and gas.

The Blue Cash Everyday® Card from American Express is a solid everyday card. With 3% back on major spending categories and no annual fee, it’s a card to consider for regular purchases. The rewards, however, are endless. If you spend more than $6,000 a year on high-earning categories, you may want to look for a non-earnings card.

Amex Blue Cash Preferred Review: Is It Right For You?

The Blue Cash Everyday® Card from American Express offers 3% cash back at three categories: major US stores. These categories can offer great rewards, but the card has certain limitations.

For example, you earn only 3% on the first $6,000 in purchases per share per year. After that, the cashback drops to 1% after additional purchases. The types of rewards are also limited. U.S. supermarkets do not include warehouse clubs or convenience stores, for example, and gas sold at supermarkets, supermarkets, or warehouse clubs is not eligible for the 3% cash back rate.

Plus, there’s a $0 set-up fee per year, so every dollar in savings lowers your total cost.

New card members can get a $200 credit statement after you spend $2,000 on your new card in the first 6 months. You will receive your bonus as a working credit report eight to 12 weeks after you reach the spending limit.

Amex, Already Small Business Card King, Wants More With Kabbage

There’s only one way to get your earnings on your Blue Cash Everyday® Card from American Express: as a statement credit. You can get a refund in any dollar amount but you will still need to make the minimum monthly payment. For example, if your balance is $500 and you have 35 minimum payments, you will only have to pay $465 in repayments because you cannot avoid the monthly minimum payment.

There’s more to this card than just its cashback feature. The Blue Cash Everyday® Card from American Express comes with the following benefits:

The Blue Cash Everyday® Card from American Express is versatile; A $0 annual fee along with 3% rewards in major categories like supermarkets, gas stations, and online shopping is a great reward for some investors. However, those wages are set at $180 per division

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