AMEX Edge Business Credit Card
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A low annual fee AMEX business credit card. Your first card comes with a $99 annual fee, but additional cards come with no cost. The best advantages it provides are rental car coverage when traveling, business tools, and flexible balance payment plans.
The current promotion can earn you a total of 67,000 Rewards points. You will earn a 45,000 welcome bonus points if you charge $5,000 in purchases to your card in the first three months. Additionally, you will earn 1,000 points for every month after, totaling 12,000 points. You will also earn 10,000 points on eligible business essentials such as office supplies, rides & gas, and food, when you spend around $1000. This whole promotion will total to 67,000 points.
Card Summary
The credit card has a $99 annual fee, and there is no fee for supplementary cards. The interest rate is 19.99% for purchases and 21.99% for cash advances.
Rewards Summary
After the welcome bonus offer ends, you will earn 3 times the points for every $1 spent on eligible office supplies, electronics, gas, rides, eats, and drinks. Additionally, you will earn 1 point for every $1 spent on any other purchase.
Benefits Summary
Business Tools: Gain access to a comprehensive suite of business and expense management tools and resources to help you effectively manage your business finances.
Payment Flexibility: Enjoy the convenience of paying your bills in full or over a period of time, giving you greater control over your cash flow.
Dedicated Customer Service: Access round-the-clock, dedicated customer service to address any queries or concerns you may have, providing you with peace of mind and support when you need it most.
Special Business Offers with American Express: Take advantage of exclusive offers and benefits tailored specifically for businesses when using American Express for your business transactions.
Emergency Card Replacement: Rest easy knowing that in the event of a lost or stolen card, you can quickly and easily get a replacement to minimize any disruption to your business operations.
Fraud Protection Guarantee: Benefit from the peace of mind that comes with American Express’ fraud protection guarantee, safeguarding your business against unauthorized transactions and fraudulent activity.
American Express Experience: Gain access to premium experiences, including Front of the Line Advance Access, Reserved Tickets, and E-Updates, allowing you to enjoy exclusive events and entertainment opportunities.
Coverage Summary
- Car rental damage and theft insurance.
- Purchase protection plan.
- Buyer’s Assurance protection plan where your coverage can automatically extend the manufacture’s original warranty for an additional year.
- Card misuse protection for unauthorized purchases made by employees.
This card is ideal for providing additional cards to employees and comes with management tools at no extra cost. It also offers a fantastic business travel experience. However, it falls short in terms of travel protection. While other cards provide a full range of travel protection, this card only offers car rental coverage.
Editor’s Review of the AMEX Edge Business Credit Card
The AMEX Edge Business Credit Card is an attractive option for small business owners seeking a versatile and affordable credit solution. With a low annual fee of $99 for the primary card and no additional costs for supplementary cards, this card offers significant value for businesses looking to manage expenses efficiently.
Welcome Bonus Offer
The current welcome bonus offer is particularly enticing, providing up to 67,000 Rewards points. This includes 45,000 points for spending $5,000 within the first three months, an additional 12,000 points earned at 1,000 points per month over the first year, and 10,000 points for spending $1,000 on eligible business essentials. This generous promotion gives new cardholders a robust start in accumulating rewards, translating to substantial savings or benefits for their business.
Rewards Program
Post-welcome offer, the AMEX Edge continues to provide strong rewards, especially in categories crucial to business operations. Cardholders earn 3 points per dollar spent on office supplies, electronics, gas, rides, eats, and drinks, and 1 point per dollar on all other purchases. This structure ensures that everyday business expenses quickly translate into valuable rewards.
Benefits
Business Tools: The card offers access to a comprehensive suite of business and expense management tools, essential for tracking and managing business finances effectively.
Payment Flexibility: One of the standout features is the flexible payment plan, allowing businesses to choose between paying in full or over time, providing better cash flow management.
Customer Service and Security: With round-the-clock customer service, card misuse protection, and a fraud protection guarantee, business owners can operate with peace of mind. Additionally, the emergency card replacement service ensures minimal disruption in case of a lost or stolen card.
Special Offers and Experiences: Cardholders can take advantage of exclusive AMEX offers tailored for businesses, along with access to premium experiences such as Front of the Line Advance Access, Reserved Tickets, and E-Updates for exclusive events and entertainment.
Coverage
The AMEX Edge Business Credit Card includes extensive coverage options:
- Car Rental Damage and Theft Insurance: A great perk for business travel, providing added security.
- Purchase Protection Plan: Protects against damage or theft of purchases.
- Buyer’s Assurance Protection Plan: Extends the manufacturer’s warranty by an additional year, offering peace of mind on major business purchases.
- Card Misuse Protection: Safeguards against unauthorized purchases made by employees, crucial for maintaining control over business spending.
Summary
The AMEX Edge Business Credit Card is a well-rounded option for small to medium-sized businesses. Its combination of a low annual fee, robust welcome bonus, generous rewards program, and comprehensive benefits make it a valuable tool for managing business expenses and optimizing cash flow. The added security features and dedicated customer service further enhance its appeal, making it a solid choice for business owners looking to leverage their spending for greater rewards and efficiencies.
View other AMEX credit cards.
View other business credit cards.
Disclaimer: Refer to the credit card official web page for the latest up to date rates, terms, and conditions. Nothing in the Site constitutes professional and/or financial advice, nor does any information on the Site constitute professional and/or financial advice.
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