# Amex Business Cards 2026: The complete lineup compared Source: https://pointifytravels.com/blog/amex-business-cards-2026 Author: Pointify Research Team Published: 2026-05-01 > Amex business cards 2026: Business Platinum (\$895), Business Gold (\$375), Business Green (\$95), Blue Business Plus (\$0). Comparison of earning structures and benefits. Amex business cards range from no-fee (Blue Business Plus) to \$895/year (Business Platinum). Each targets different business spending patterns. The Business Platinum has 1.5x on \$5k+ purchases + 35% pay-with-points rebate. The Business Gold has dynamic 4x on top 2 of 6 categories. The Blue Business Plus has 2x on \$50k of all spending. Here is the 2026 framework. ## The Amex business card lineup | Card | Annual fee | Earn structure | | --- | --- | --- | | Blue Business Plus | \$0 | 2x MR on \$50,000 of all spending; 1x after | | Business Green Card | \$95 (introductory) | 2x MR on travel + dining; 1x other | | Business Gold | \$375 | 4x MR on top 2 of 6 categories (\$150k cap) | | Business Platinum | \$895 | 5x flights direct/Amex Travel + 1.5x on \$5k+ purchases + 35% pay-with-points rebate | ## The Blue Business Plus sweet spot Blue Business Plus at \$0/year is the strongest no-fee Amex business card: - 2x MR on first \$50,000 of spending each year - 1x on spending above \$50k - 0% FX - Sign-up bonus: 15,000-30,000 MR typical For small businesses with diverse spending (no concentrated category dominance), 2x flat MR earning produces ~100,000 MR/year on \$50k of spending. Combined with the no-fee structure, this is one of the strongest no-fee business cards in points travel. ## The Business Gold dynamic 4x Amex Business Gold at \$375/year automatically rewards 4x MR on the top 2 of 6 spending categories each month: - Airfare (purchased direct) - Advertising (online) - Gas stations (US) - Restaurants (US + worldwide) - Shipping (US) - Technology providers (US select) For businesses with concentrated spending in 1-2 of these categories (advertising-heavy startups, shipping-focused e-commerce), the dynamic 4x produces meaningful earning. \$50k in advertising spending = 200,000 MR/year on advertising alone. ## The Business Platinum 1.5x on \$5k+ purchases Amex Business Platinum at \$895/year earns 1.5x on single transactions of \$5,000 or more (uncapped). For businesses with capital expenditures or large vendor payments: - Equipment purchases (laptops, cameras, software licenses) - Annual subscriptions (Adobe, Salesforce, etc.) - Quarterly tax payments - Large vendor payments \$200,000 in \$5k+ purchases × 1.5x = 300,000 MR/year on large purchases alone. ## The 35% pay-with-points rebate (Business Platinum) The unique mechanic on Business Platinum: pay for a flight with MR via Amex Travel, receive 35% of the points back. The math: - Pay 100,000 MR for a \$1,000 flight via Amex Travel - Receive 35,000 MR back as a rebate - Effective cost: 65,000 MR for a \$1,000 flight = 1.54¢/point For travelers booking flights via Amex Travel rather than transferring to airline partners, this is one of the strongest portal-redemption benefits available. ## The Business Platinum credit menu | Credit | Annual amount | | --- | --- | | Airline incidental | \$200 | | Hotel (FHR/THR) | \$200 | | Uber Cash | \$200 | | Dell | \$200 (\$100 H1 + \$100 H2) | | Indeed | \$360 (\$90/quarter) | | Adobe | \$200 | | Wireless | \$120 (\$10/month) | | CLEAR Plus | \$189 | | Global Entry | \$100 every 4-5 years | Total nominal credit value: ~\$1,769. Practical value (typical user): \$700-\$1,200 used annually. Combined with sign-up bonus + business-side benefits, the Business Platinum produces meaningful net positive value for businesses with significant spending. ## The decision matrix | Business profile | Best Amex business card | | --- | --- | | Small business, no concentrated spending | Blue Business Plus (2x on \$50k) | | Concentrated advertising spending | Business Gold (4x on top 2 categories) | | Concentrated shipping or technology spending | Business Gold (4x on relevant categories) | | Capital-expenditure-heavy business | Business Platinum (1.5x on \$5k+ purchases) | | Heavy Amex Travel portal user | Business Platinum (35% pay-with-points rebate) | | Travel-heavy business with lounge needs | Business Platinum (Centurion access) | ## The "hold all three" math For businesses with diverse spending across categories: - Blue Business Plus (\$0): 2x on \$50k catch-all - Business Gold (\$375): 4x on \$150k of top 2 categories - Business Platinum (\$895): 5x on flights + 1.5x on \$5k+ purchases + 35% rebate Combined annual fees: \$1,070. Combined annual earning potential: 500,000-800,000+ MR on \$200k+ of business spending. For businesses with meaningful spending volume, the 3-card stack produces dramatic annual earnings. ## Bottom line For small businesses with diverse spending, Blue Business Plus at \$0 is the cleanest single Amex business card. For businesses with concentrated advertising or shipping spending, Business Gold at \$375 with dynamic 4x produces meaningful earning. For travel-heavy businesses or businesses with capital expenditures, Business Platinum at \$895 with 1.5x on \$5k+ purchases + 35% pay-with-points rebate is the strongest. Most points-savvy businesses hold 2-3 Amex business cards for maximum coverage. [Compare every Amex business card side by side on Pointify →](https://pointifytravels.com/earn) *Last verified by the Pointify research team on May 1, 2026, against current Amex business card terms. Annual fees and earning structures may shift; verify with Amex before applying.* --- Published by Pointify Travels (https://pointifytravels.com). Compare cash fares and points prices for any route at https://pointifytravels.com/search.