Earn 4X Membership Rewards points on the two eligible categories where your business spends the most each billing cycle (up to $150,000 in combined purchases annually, then 1X), plus 1X points on all other purchases.
Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Perqt Analysis
Three ways to value this card. Only one of them is yours.
As high as 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership.
Est. value
$2,000
Minimum spend
$15,000
Within
3 mo
Earning rates
All other purchases
1×
pts
Membership Rewards
Top earn
Top two select categories
Earn 4X points on the top two categories where your business spent the most each billing cycle, up to $150,000 in combined purchases per calendar year (then 1X).
4×
pts
Membership Rewards · Eligible categories include: transit, U.S. media provider advertising, U.S. technology providers (hardware, software, cloud), U.S. gas stations, U.S. restaurants (including takeout/delivery), and monthly U.S. wireless telephone services.
Travel
Earn 3X points on flights, prepaid hotels, and prepaid car rentals.
3×
pts
Membership Rewards · Amex Travel
On-card benefits & credits
$300 ChatGPT Business Credit
$300
/Annual
Get up to $300 back per calendar year on U.S. purchases of ChatGPT Business subscriptions. Enrollment required.
$150 Squarespace Credit
$150
/Annual
Get up to $150 in statement credits per calendar year for U.S. purchases with Squarespace. Enrollment required.
$240 Flexible Business Credit
$20
/Monthly
Earn up to $20 in statement credits monthly for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. Enrollment required.
Employee Cards
$0
/One-time
Add up to 99 Employee Cards with a no annual fee option to earn points on employee purchases.
No Foreign Transaction Fees
$0
/One-time
Pay no foreign transaction fees on international purchases.
Walmart+ Monthly Membership Credit
$0
/Monthly
Statement credit for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Card. Perqt shows no dollar value: the issuer states no monthly credit amount for this benefit.
Trip Delay Insurance
$0
/One-time
Reimbursement for certain additional expenses if a round-trip is delayed more than 12 hours for a covered reason. Maximum 2 claims per 12 months.
Extended Warranty
$0
/One-time
Extends the terms of the Original Manufacturer’s Warranty up to one additional year on warranties of 5 years or less.
Global Assist® Hotline
$0
/One-time
Whenever you travel more than 100 miles from home, assistance is available 24/7 for emergency coordination.
Baggage Insurance Plan
$0
/One-time
Coverage for lost, damaged, or stolen Baggage when purchasing the Entire Fare for a Common Carrier Vehicle ticket.
The Hotel Collection
$0
/As needed
$100 credit toward eligible charges and a room upgrade on arrival (when available) per prepaid booking of two nights or more with The Hotel Collection. Per booking — counted only when realized, not as recurring annual value.
Purchase Protection
$0
/One-time
Protection for up to 90 days from the covered purchase date if stolen or accidentally damaged. Limited up to $1,000 per purchase and $50,000 per calendar year.
Cell Phone Protection
$0
/One-time
Reimbursement for repair or replacement of damaged or stolen cell phone, up to $800 per claim, 2 claims per 12-month period, $50 deductible.
Car Rental Loss and Damage Insurance
$0
/One-time
Secondary coverage for damage to or theft of a rental vehicle in a Covered Territory when you reserve and pay for the entire rental and decline CDW.
