Entry-level Amex business charge card earning transferable Membership Rewards points.
Rates, fees and offers
- Regular APR
- Charge card: the balance is normally due in full each month. Amex may let you carry some purchases with Pay Over Time, at a variable APR in your card terms.
- Annual fee
- $95
- Promo offers
- None currently advertised
- Balance transfer fee
- See issuer terms
- Rewards
- 2x Membership Rewards points on prepaid hotels, car rentals, cruises and flights booked through Amex Travel; 1x everything else.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
A $95 charge card with modest earning; many businesses do better with a no-fee 2% card. A business card: you are usually personally liable, and some consumer protections (like the CARD Act's rate-increase rules) may not apply.
Paying and contacting American Express
- Pay online
- global.americanexpress.com
- Customer service
- 1-800-528-4800 · 24/7
- Pay by mail
-
American Express
P.O. Box 96001
Los Angeles, CA 90096-8000
Overnight: American Express, Attn: Express Mail Remittance Processing, 20500 Belshaw Ave, Carson, CA 90746Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
- Billing disputes
- American Express Customer Service
P.O. Box 981535
El Paso, TX 79998-1535
See all American Express cards → · Search all cards
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