Choosing the Right AMEX Corporate Card: A Business-Focused Comparison

June 12, 2025
12:29 pm

7 min read

The American Express Corporate Card offers efficient expense management and dependable support to keep your business operations running smoothly.

With a wide range of benefits, the Amex business card enhances visibility into company-wide spending, helps reduce operational costs, and maximizes supplier savings.

By minimizing paperwork and speeding up invoice processing, the card saves time and lowers administrative burdens. It also simplifies employee responsibilities and allows you to manage your card program seamlessly—even across multiple countries.

Overview of the American Express Corporate Card

The American Express Corporate Card program is designed specifically for mid-sized to large businesses, offering a comprehensive suite of tools to help companies manage spending, boost efficiency, and uncover cost-saving opportunities.

These cards are strictly meant for business-related transactions, and it’s best to avoid mixing them with personal purchases. Combining both types of expenses can create confusion during accounting and compliance reviews—especially when trying to identify which costs are tax-deductible.

With AMEX Corporate Cards, businesses gain greater control over financial operations while reducing the complexity of expense tracking.

Eligibility & Features of the American Express Corporate Card

To qualify for an American Express Corporate Card, companies typically need to meet a few key requirements beyond having a high annual revenue:

A minimum of 15 active cardholders within the organization.

Expected annual card spending of $250,000 or more.

The business must be structured as a C corporation or an S corporation.

American Express is well known for offering robust rewards and generous perks—especially for frequent travelers. Their corporate cards deliver great value in terms of travel benefits and expense tracking tools.

For smaller or newer businesses, AMEX also provides a few cards with introductory 0% APR offers, which can be ideal for startups managing tight budgets.

There is a cap on how many AMEX cards you can hold. Most users are limited to a maximum of 10 AMEX credit cards in total, and typically no more than four active business or consumer credit cards at a time.

For businesses looking for a budget-friendly alternative to Expensify that integrates effortlessly with Zoho apps and offers customizable workflows, Zoho Expense is a great option.

Comparing American Express Corporate Cards

The American Express Business Gold Card offers generous rewards tailored for businesses that spend consistently across various categories. You can earn an additional 10,000 Membership Rewards® points every quarter by spending $20,000—unlocking up to 40,000 bonus points annually.

When booking flights, hotels, car rentals, or business events through Amex Travel, cardholders earn one extra point per dollar spent. Payments can be made using points, the card itself, or a combination—covering even service charges and taxes.

As the primary cardholder, you can refer friends or colleagues to apply for a corporate card and earn 9,000 points per approved referral, with the opportunity to earn up to 90,000 referral points in a year.

The card also provides travel protection, including Travel Accident Insurance up to $250,000 and Travel Inconvenience Insurance up to $200 for delays or disruptions.

Purchases made with the card are also protected—if an item is damaged or stolen within 90 days of purchase, you’re eligible for up to $2,500 in reimbursement per incident to cover repairs or replacements on qualifying items.

American Express Corporate Green Card

Among the American Express suite of corporate cards, the Corporate Green Card stands out as a top choice for frequent business travelers. Designed for seamless global usage, it offers extensive spending flexibility, built-in security protections, and full transparency into company expenditures—helping organizations stay compliant and in control.

This card is particularly well-suited for teams on the move, providing peace of mind and financial clarity wherever business takes you.

>Key Fees & Charges:

Annual Fee: Charged directly to the cardholder each year.

Foreign Transaction Fee: 2.5% of the total amount, converted into USD.

Late Payment Fee: $39 or 2.99% of any unpaid “Pay in Full” balance—whichever is greater.

Suspense Fee: $25 if the account remains unpaid for 90 days and privileges are paused.

Reactivation Fee: $25 if the card is reinstated after being canceled due to non-payment.

With a focus on international usability and spending oversight, the AMEX Corporate Green Card is a reliable financial tool for companies prioritizing travel and compliance.

American Express Corporate Purchasing Card

The American Express Corporate Purchasing Card (commonly known as a P-Card) is crafted to simplify procurement for organizations by offering a centralized, flexible method of payment for everyday business purchases. Whether it’s office supplies, vendor payments, or recurring expenses, this card helps streamline your company’s acquisition process.

More than just a payment tool, the AMEX Purchasing Card reduces the burden of paperwork and manual approvals. It’s designed to enhance control, improve spend visibility, and make expense tracking easier for finance teams.

>Key Benefits:

Ideal for decentralized purchasing needs across departments

Supports automated reconciliation and reporting

Helps reduce the need for purchase orders and reimbursements

Backed by American Express customer support and account services

With better oversight and a simplified procurement workflow, the Corporate Purchasing Card enables your business to operate more efficiently and make smarter spending decisions.

American Express Singapore Airlines Business Credit Card

Tailored for travel-centric businesses, the American Express Singapore Airlines Business Credit Card offers exclusive perks and travel rewards through the HighFlyer program. Designed in partnership with Singapore Airlines, this card delivers great value for businesses that frequently fly with the airline group.

Cardholders can request up to 99 Supplementary Cards to empower their team—with the first two at no extra cost—making it ideal for expanding travel benefits across the organization.

>Exclusive HighFlyer Benefits:

Welcome Bonus: Earn 30,000 HighFlyer points after spending S$5,000 within the first six months.

First Year Travel Reward: Get 5,000 HighFlyer points when you spend S$500 with the Singapore Airlines Group within your first year.

Annual Loyalty Bonus: Enjoy 15,000 HighFlyer points each year when your total Singapore Airlines Group spend reaches S$10,000.

This card is an excellent choice for SMEs looking to optimize travel budgets while enjoying premium service, loyalty rewards, and corporate convenience.

With the American Express Singapore Airlines Business Credit Card, every S$1 spent on Singapore Airlines Group transactions earns you 8.5 Highflyer points, helping your business rack up rewards faster. Whether it’s flights, upgrades, or other eligible purchases, you can redeem points effortlessly—no blackout periods, no usage limits.

Best of all, your points remain active for 36 months, giving you the freedom to turn corporate travel spending into future savings whenever it suits your business goals.

Conclusion

Choosing the right AMEX Corporate Card depends on your business needs—whether it’s travel rewards, purchasing control, or flexible spending. But selecting the right card is only half the equation. To truly take control of your finances, pairing your AMEX card with a smart tool like Expense Tracker 365 makes all the difference.

Expense Tracker 365 seamlessly integrates with AMEX Corporate Cards, giving you real-time visibility, automated expense categorization, and powerful reporting—all in one place. It’s the perfect companion for smarter, streamlined business spending.

Frequently Asked Questions

What is the main difference between AMEX Corporate Green, Gold, and Purchasing Cards?

Each AMEX corporate card is designed for different business needs. The Green Card is ideal for frequent travelers, the Gold Card offers enhanced rewards and higher limits for growing businesses, while the Purchasing Card (P-Card) simplifies procurement and helps manage vendor payments more efficiently.