American Express Business Edge™ Card

American Express Business Edge™ Card
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Conditions apply
Best Small Business Cash Back Credit Card

American Express Business Edge™ Card

Welcome Bonus

Up to 57,000 Membership Rewards points

Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

19.99 %

Cash Advance Rates

21.99 %

Balance Transfer Rates

Best Small Business Cash Back Credit Card
Your Monthly Spending


  • Earn up to 57,000 bonus points –that’s $570 in statement credits you can reinvest into your business.
  • Earn 45,000 Welcome Bonus points when you charge $5,000 in purchases to your Card in your first three months of Cardmembership
  • You can earn an extra 1,000 Membership Rewards points for each monthly billing period in which you spend $3,000 in purchases on your Card. This could add up to 12,000 extra points in a year
  • You can earn 3 times the points for Card purchases on eligible business essentials including office supplies & electronics, rides & gas, eats & drinks. Caps and other conditions may apply
  • You can earn 1 times the points on all other purchases charged to the Card
  • Use points to offset business expenses: Membership Rewards® allows you to offset business expenses by covering the cost of purchases made on your Card, in full or in part. Redeem points for statement credits and to book flights, hotels, and car rentals. Redeem points for flight purchases on and even transfer to frequent flier and hotel programs.
  • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
  • Employee Card Misuse Protection is a benefit created specifically for business owners and it provides coverage of up to $100,000 per Basic Cardmember in the event an employee misuses their Supplementary Card for unauthorized charges.
  • Leverage your cash flow with the option of carrying a balance or paying in full each month

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $99
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 19.99%
Cash Advance Rates 21.99%


Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First year offer value
Accumulated rewards
Annual fee
Net value


Welcome Bonus amount Up to 57,000 Membership Rewards points
Minimum Spending Required $5,000
Minimum Spending Timeframe (Months) 3 month(s)
Transferable Points
Rewards Type Travel Rewards
Transfer Partners American Express Membership Rewards, Marriott Bonvoy
Loyalty Program American Express Membership Rewards


Per dollar of purchases

All Spending 1 Membership Rewards point
Groceries 1 Membership Rewards point
Gas 3 Membership Rewards points
Dining and Food delivery 3 Membership Rewards points
Convenience Stores 1 Membership Rewards point
Drugstores 1 Membership Rewards point
Local Transport 3 Membership Rewards points
Travel 1 Membership Rewards point
Entertainment 1 Membership Rewards point
Recurring Payments 1 Membership Rewards point
Telecom/Internet 1 Membership Rewards point
Streaming services 1 Membership Rewards point
Online transactions 1 Membership Rewards point
Office Supplies 3 Membership Rewards points


Travel Insurance

Insurance Name
Travel Medical Insurance
Travel medical insurance up to 54 years old
Travel medical insurance up to 64 years old
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

Other Insurance

Insurance Name
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Insurance Document


4.5 Milesopedia Rating