Introducing American Express Corporate Cards for the business owner

I usually focus on personal credit cards on Head for Points, for obvious reasons. I also occasionally touch on credit cards aimed at sole traders or very small companies, when they have very attractive sign-up bonuses.  Today I want to cover American Express Corporate Cards.

This post, for example, outlines the 40,000 Membership Rewards points bonus currently available on the American Express Business Gold and the 60,000 Membership Reward points bonus currently available on the American Express Business Platinum. These are for very small businesses and sole traders.  (The Comments below suggest that having a personal Gold or Platinum card will not stop you getting Business Gold or Business Platinum and another sign-up bonus!)

Amex Corporate

Running a larger business?

If you run a bigger business, you could also consider giving American Express Corporate Cards to your staff. There are five products available – Green Corporate Card, Gold Corporate Card, Platinum Corporate Card and the British Airways American Express Corporate Card and Corporate Card Plus.

The British Airways American Express Corporate Card is particular interesting, as a company earns a 50% bonus on all British Airways On Business points earned from flights charged to the card. The British Airways Corporate Card Plus also earns the company an extra 2,500 On Business points for every employee who spends over £25,000 per year on the card.

Individual or centralised billing can be arranged for American Express Corporate Cards, depending on your preference. Employees also have access to various Amex insurance and travel assistance products, depending on which card they have. The Platinum Corporate Card includes a Priority Pass for airport lounge access.

Your employees will also earn Membership Rewards points or Avios when they spend on the card.  Some companies have agreements with Amex for these points to be paid directly to the company (ie to you as CEO!) although I don’t know if this is available to everyone.

If you want to find out more about earning Membership Rewards points or Avios from corporate credit cards, please click here and submit the form.

(To see our complete list of all current credit card bonuses, click here to visit our ‘Credit Cards Update’ page or use the link in the menu bar at the top of the page.)

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Comments

  1. Last time I contacted Amex Customer Service I was told (after some discussion amongst various people in the office) that the signup bonus was not available if you hold or have held another MR-awarding Amex card in the past six months.

    Do you have any experience or inside knowledge to the contrary? I’d certainly apply for one if these cards (if not two – I own two LTD Co.s so I assume each business could apply for one?)

    • With the Business cards, you cannot get a bonus if you have a personal card as the cardholder remains responsible for the card.

      My understanding is that the Corporate cards are different as the points and account are ‘owned’ by the company and not a person.

      • Ah, I see. Do you know what the min requirements for t/o or employees for the Corp cards? Both my businesses are more likely to fall under their criteria for the business cards, rather than corporate, I would have thought.

        • Honestly don’t know. I think the difference is simply that Corporate Cards are for handing out to employees – so other people apart from the account creator have a card – whilst the Business cards are designed mainly for one-man bands without large numbers of employees also holding cards. In general, with Amex, if you’re happy to pay the fees then they will probably have you!

      • Michael Christie says:

        Hi Raffles

        thats not correct – i have a gold charge card which is my personal one (got 20k points bonus with it in dec) – and then applied for the platinum charge card when the 60k points bonus came out in march….i was accepted for both cards and received both bonuses. They are both on my Amex website logon and its my name that is associated to both rewards.
        My wife has also had the personal platinum card last year – and then applied for the gold business amex and received the 40k points for it also….they are also sitting in her MR account.
        I havent transferred any MR points to my BA account – will do it now as a test but dont see it being a problem as its my name the card is registered to.
        Will post back in to advise whether they post successfully.

        • Thanks for that. I said what I said because a friend of mine, who has Amex Gold, rang Amex about getting Business Gold and was told that he wouldn’t qualify for the bonus.

          Not that I should have believed the Amex call centre, of course!

          • Michael says:

            No problems – AMAZING site btw.. I called the call centre just after being accepted for the platinum business and they said I wouldn’t be applicable for the bonus. My wife had had one earlier with the gold business card – so just waited for the card , spent the 6k to achieve the spend and the 60k points came a few days after hitting the spend.

          • Fantastic news! I’ll apply.

        • Michael Christie says:

          the 1000 points transferred successfully to my BA account from the Amex Platinum Business MR account (which is in my name).
          Job done.

  2. As your wife is technically an employee then you should be OK, yes. Do read the insurance document carefully, though, for obvious reasons.

    You don’t get the Cathay Gold with Business Plat but I think all of the hotel card/ are available (but double check if it matters).