Apply for american express business credit card

Visa, Mastercard and American Express are different credit card payment networks. Most credit card providers offer one or two of the card networks for their credit cards. For example, for DBS Altitude, you can get either the DBS Altitude Visa Signature or DBS Altitude American Express. UOB PRVI on the other hand, offers all three options — UOB PRVI Miles Visa UOB PRVI Miles Mastercard and UOB PRVI Miles American Express.

From a cardmember’s standpoint, the payment in general does not differ, although there are a handful of places that might not accept American Express cards. The perks offered by these card providers do make a difference, in terms of dining promotions, airport transfers, lounge access, hotel benefits and more.

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Singapore Airlines HighFlyer is a corporate travel programme for small and medium-sized businesses. It offers double rewards for flying with Singapore Airlines Group: employees earn KrisFlyer miles on their personal accounts while your business earns HighFlyer points on the company account.

I. The Basic Card Member is liable to American Express for all Charges on all Cards of all Card Members issued at the Basic Card Member’s request and the Basic Card Member is jointly and severally liable with each Card Member to American Express for all Charges on each Card issued to that Card Member.

II. The Business is also liable to American Express for all Charges (business related or otherwise) on all Cards of all Card Members issued at the request of the Basic Card Member and is jointly and severally liable with each Card Member to American Express for all Charges on each Card issued to that Card Member.

III. The Supplementary Card Member, is jointly and severally liable to American Express with the Basic Card Member and Business for all Charges on the Supplementary Card issued.

American Express Credit Cards offer you opportunities to earn a variety of rewards with Membership Rewards® points that you can redeem for flights, holidays, hotel stays, and gift vouchers.

The rewards don't stop there. Our Credit Cards offer you a range of movie, dining and golf privileges as well as shopping protections like Refund Protection, Purchase Protection, Online Fraud Protection, as well as inclusive insurance benefits, and 24/7 customer support. Find all our latest Credit Card promotions.

Factors like getting approved for a business credit card and quantifying the credit limit are based on the company’s credit history and/or that of its owner. For example, the higher the credit score, the more likely a company will get approved on its own, and the higher its credit limit may be. Company credit ratings are provided by the major business credit reporting agencies, Dun & Bradstreet, Equifax, and Experian, and are based on a few years of payment history and public records. While businesses can usually check their credit scores for free at the credit bureaus, full credit reports may cost money. Therefore, it’s wise to plan for potential extra time and expenses before starting the application process.

In cases where a company hasn’t built its own credit score, the business owner can substitute their personal credit score. The card issuer will typically do a hard inquiry on the applicant’s personal credit history to determine creditworthiness. As a rule of thumb, a “good” personal credit score – about 650 or higher – is usually the minimum needed for an unsecured business credit card, although every issuer has its own criteria. Personal credit scores are available for free through annualcreditreport.com and many banks.

For more on different types of credit scores, read “The Difference Between Personal Credit and Business Credit.”

Terms and Conditions apply to these benefits and privileges, please click here for current Terms and Conditions.

*Each HighFlyer account:
i. Shall only be linked to a maximum of 5 Selected KrisFlyer Accounts in relation to the conversion of HighFlyer points to KrisFlyer miles; and
ii. Shall only be allowed to convert HighFlyer points to a maximum of 150,000 KrisFlyer miles per calendar year. Each Selected KrisFlyer Account shall only receive a maximum of 30,000 KrisFlyer miles converted from HighFlyer points per calendar year, regardless of which HighFlyer account(s) the HighFlyer points are converted from.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo

No Interest Charges

If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature. If you use this feature, you may accrue interest on any charges you choose to pay over time.

Pay Over Time Feature

If eligible, you may be given the option to enroll in a Pay Over Time feature that allows you to pay certain purchases over time. If you choose to enroll in this feature, you will accrue interest on eligible purchases when you choose to carry a balance.

Plum Early Pay Discount

Get a 1.5% discount on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due by your Payment Due Date. The discount will appear as a credit on the following billing statement. Eligible charges are purchases for goods and services minus returns and other credits. Eligible charges do NOT include previously deferred amounts, past due amounts, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

Account Manager

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

American Express Business App

The American Express® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex® Business App is available on the App Store® and Google Play™. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

No Preset Spending Limit

No preset spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Year–End Summary

The Online Year–End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.

Is it hard to get a business credit card from American Express?

The credit score needed for an American Express business card is at least 700. That means you must have at least good credit for decent approval odds. At the moment, American Express does not offer business cards for bad, fair, limited or no credit. Nor do they have any secured business cards to help rebuild credit.

What credit score do I need to get an American Express business card?

If you're considering applying for the Amex Business Gold card, we recommend you have a personal credit score of at least 670 or higher — or a business credit score of at least 75 or higher to maximize your chances of approval.

Can you use an EIN to get a credit card?

Yes, it's possible to get a business credit card without an SSN. Some card issuers will allow you to use an EIN, which is like a Social Security number for your business, to apply for a card instead of using your personal information.

Can anyone get an Amex business card without a business?

In most cases, the answer is yes. To get approved for a business credit card you just need to be earning some money independently.