American Express Business Edge™ Card

American Express Business Edge™ Card

The Best American Express Credit Card for small businesses. Earn up to 3x the points for gas, office supplies, electronics, dining and transit purchases.

Take advantage of this limited-time welcome offer!

Welcome Bonus

Up to 57,000 points

Best For

Value
Year 1

$1466

Years 2 and +

$497

Annual Fee

$99

Interest rates
Purchase Rates

19.99 %

Cash Advance Rates

21.99 %

Balance Transfer Rates

Your Monthly Spending

Offer

Offer
  • Earn up to 57,000 bonus Membership Rewardsᴹᴰ bonus points in your first year of Cardmembership
  • 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
  • Get choice and flexibility by using points for purchases or redeeming them for a wide range of travel, dining, entertainment and retail rewards options
  • Make the most of a suite of business management tools that give you more control over your business anytime and anywhere
  • 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%

Value

Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value
Value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $40
  • Unlimited access = $400 (the value of 10 annual visits)

Advantages

Welcome Bonus up to 57,000 points
Minimum Spending Required $5,000
Minimum Spending Timeframe 90 day(s)
Transferable Points
Rewards Type Travel points
Transfer Partners American Express Membership Rewards, Marriott Bonvoy, Hilton Honors
Loyalty Program American Express Membership Rewards

Earnings

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

Insurance

Auto Rental Loss/Insurance - Amount MSPP $85,000
Purchase Protection - Amount $1,000
Purchase Protection - Duration 90 day(s)
Extended Warranty
Extended Warranty - Duration 1 year
Insurance Document Learn More

FAQ

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