The card has a reasonable interest rate for those who qualify, providing a low cost option for paying business expenses over time. The card also offers a 0% introductory rate for twelve months on purchases and a fixed 4.99% introductory rate for the life of the loan on balance transfers made during the application process or posted to the account within 45 days.

Those who are familiar with American Express® cards know that a variety of services and benefits are available to cardholders that include various purchase security features, up to $100,000 in travel accident insurance, and special discounts at participating merchants including AT&T®, FedEx®, 1-800-FLOWERS.COM®, and Hertz®. However, it is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply in order to take advantage of the discounts.

Cardholders are also granted access to the Membership Reward Express® program for no additional annual fee. The program offers cardholders the opportunity to redeem accumulated points for various services and benefits. For those who are not familiar with the Membership Reward Options program, it is one of the most flexible credit card reward programs available as it has no yearly limit and no expiration applied to earned points.

The card has a reasonable interest rate for those who qualify, providing a low cost option for paying business expenses over time. The card also offers a 0% introductory rate for twelve months on purchases and a fixed 4.99% introductory rate for the life of the loan on balance transfers made during the application process or posted to the account within 45 days.

Those who are familiar with American Express® cards know that a variety of services and benefits are available to cardholders that include various purchase security features, up to $100,000 in travel accident insurance, and special discounts at participating merchants including AT&T®, FedEx®, 1-800-FLOWERS.COM®, and Hertz®. However, it is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply in order to take advantage of the discounts.

Cardholders are also granted access to the Membership Reward Express® program for no additional annual fee. The program offers cardholders the opportunity to redeem accumulated points for various services and benefits. For those who are not familiar with the Membership Reward Options program, it is one of the most flexible credit card reward programs available as it has no yearly limit and no expiration applied to earned points.

Cardholders receive one mile for every dollar spent on general purchases and two miles for every dollar spent at supermarkets, drugstores, gas stations, home improvement and hardware stores, the U.S. Postal Service, on wireless phone bills, and on Delta Air Lines purchases. Cardholders earn 15,000 bonus miles upon their first purchase, and they receive an additional 5,000 bonus miles each for reaching $15,000 and then $25,000 in purchases annually. Cardholders also receive 1,000 bonus miles for each approved additional cardholder submitted with the application for up to five additional cards. Miles do not have an expiration date (if the account is active within a two-year period), and a yearly limit of $100,000 in eligible spending applies. Miles earned can be used in conjunction with Delta's frequent flyer program.

Cardholders will also have access to the exclusive Pay with Miles benefit. Through Pay with Miles, cardholders can pay for a portion or all of their airfare with miles and put any remainder of miles back on the Gold Delta SkyMiles® Business Credit Card. Start redeeming Pay with Miles at 10,000 miles.

Although there is a high annual fee of $95, it is waived for the first year. The APR for purchases and balance transfers is high for a business card and above average for an airline reward card. Therefore, it is not ideal for those who plan to carry a revolving balance. Although there is no introductory APR on purchases, there is a 9.99% APR for the life of the balance on balance transfers submitted during the first six months of membership.

Cardholders can also expect many common benefits and services from the card, such as travel accident insurance, several purchase protection related services, and discounts at participating merchants and retailers. Cardholders receive a savings of 5% for all Delta flights purchased directly from Delta Air Lines, and they will also receive a $99 Companion Certificate every year upon renewing the card.

Cardholders receive one mile for every dollar spent on general purchases and two miles for every dollar spent at supermarkets, drugstores, gas stations, home improvement and hardware stores, the U.S. Postal Service, on wireless phone bills, and on Delta Air Lines purchases. Cardholders earn 15,000 bonus miles upon their first purchase, and they receive an additional 5,000 bonus miles each for reaching $15,000 and then $25,000 in purchases annually. Cardholders also receive 1,000 bonus miles for each approved additional cardholder submitted with the application for up to five additional cards. Miles do not have an expiration date (if the account is active within a two-year period), and a yearly limit of $100,000 in eligible spending applies. Miles earned can be used in conjunction with Delta's frequent flyer program.

Cardholders will also have access to the exclusive Pay with Miles benefit. Through Pay with Miles, cardholders can pay for a portion or all of their airfare with miles and put any remainder of miles back on the Gold Delta SkyMiles® Business Credit Card. Start redeeming Pay with Miles at 10,000 miles.

Although there is a high annual fee of $95, it is waived for the first year. The APR for purchases and balance transfers is high for a business card and above average for an airline reward card. Therefore, it is not ideal for those who plan to carry a revolving balance. Although there is no introductory APR on purchases, there is a 9.99% APR for the life of the balance on balance transfers submitted during the first six months of membership.

Cardholders can also expect many common benefits and services from the card, such as travel accident insurance, several purchase protection related services, and discounts at participating merchants and retailers. Cardholders receive a savings of 5% for all Delta flights purchased directly from Delta Air Lines, and they will also receive a $99 Companion Certificate every year upon renewing the card.

Cardholders should understand that this is a charge card, which means that all charges made on this card must be paid in full each billing period. However, this may be an ideal option for those who want to avoid accumulating credit card debt.

The card offers access to the Membership Rewards® program for no additional fee. This program offers one of the best and most flexible reward programs in the credit card industry due to the variety of merchandise and services that can be redeemed for accumulated points. In addition, there is no limit on the number of points that can be earned, and points never expire. Cardholders earn one point for every dollar they spend, and they also receive 5,000 bonus points with their first purchase.

The annual fee will be waived for the first year. Thereafter, the fee is $95.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include up to $100,000 in travel accident insurance, purchase protection, and auto rental insurance. Cardholders also receive special discounts from FedEx®, AT&T®, Hertz®, and other select retailers. It is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply.

Cardholders should understand that this is a charge card, which means that all charges made on this card must be paid in full each billing period. However, this may be an ideal option for those who want to avoid accumulating credit card debt.

The card offers access to the Membership Rewards® program for no additional fee. This program offers one of the best and most flexible reward programs in the credit card industry due to the variety of merchandise and services that can be redeemed for accumulated points. In addition, there is no limit on the number of points that can be earned, and points never expire. Cardholders earn one point for every dollar they spend, and they also receive 5,000 bonus points with their first purchase.

The annual fee will be waived for the first year. Thereafter, the fee is $95.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include up to $100,000 in travel accident insurance, purchase protection, and auto rental insurance. Cardholders also receive special discounts from FedEx®, AT&T®, Hertz®, and other select retailers. It is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply.

The cash rebate amount varies according to where the cardholder makes their purchases. Cardholders earn a cash back rebate of up to 5% at “OPEN Savings” locations and up to 2.5% for all other general purchases. It is important to understand that once the annual spending exceeds $15,000, the rebate for additional “Open Savings” purchases is 2%, and the rebate for all other additional purchases is 1%. “OPEN Savings” locations include FedEx®, Hertz®, 1-800-FLOWERS.COM®, and more.

The card has a 0% introductory rate on purchases for six months, a 7.99% introductory rate on balance transfers made within the first six months of membership for the life of the loan, and no annual fee. In relation to other business reward cards, this card has a reasonably low interest rate for purchases (for higher qualifying applicants).

Cardholders will also be able to take advantage of various services and benefits including purchase protection, travel accident insurance, and various travel and emergency assistance services.

The cash rebate amount varies according to where the cardholder makes their purchases. Cardholders earn a cash back rebate of up to 5% at “OPEN Savings” locations and up to 2.5% for all other general purchases. It is important to understand that once the annual spending exceeds $15,000, the rebate for additional “Open Savings” purchases is 2%, and the rebate for all other additional purchases is 1%. “OPEN Savings” locations include FedEx®, Hertz®, 1-800-FLOWERS.COM®, and more.

The card has a 0% introductory rate on purchases for six months, a 7.99% introductory rate on balance transfers made within the first six months of membership for the life of the loan, and no annual fee. In relation to other business reward cards, this card has a reasonably low interest rate for purchases (for higher qualifying applicants).

Cardholders will also be able to take advantage of various services and benefits including purchase protection, travel accident insurance, and various travel and emergency assistance services.

The fee-free Membership Rewards Express® program allows cardholders to earn one point for every dollar they spend. Points can be redeemed through various partners including The Home Depot and Sony. Cardholders can also book any airline at any time through the Membership Rewards Pay with Points program, or use the Express Rewards Hotel Card for hotel stays, room service, dining, or spa treatments.

The card has a 0% introductory rate on purchases for 15 months, and there is no annual fee. It also offers a fixed 7.99% introductory rate on balance transfers for the life of the loan for balance transfers made during the application or within the first six months of membership. In relation to other business reward cards, this card has a reasonably low interest rate for purchases after the introductory offer expires (for higher qualifying applicants).

Cardholders will be able to take advantage of various services and benefits including purchase protection, travel accident insurance, and various travel and emergency assistance services. Through the OPEN Savings program, cardholders can also save 3% to 25% on business expenses with companies like FedEx, Delta, Hertz, Hyatt Hotels & Resorts, and more.

The fee-free Membership Rewards Express® program allows cardholders to earn one point for every dollar they spend. Points can be redeemed through various partners including The Home Depot and Sony. Cardholders can also book any airline at any time through the Membership Rewards Pay with Points program, or use the Express Rewards Hotel Card for hotel stays, room service, dining, or spa treatments.

The card has a 0% introductory rate on purchases for 15 months, and there is no annual fee. It also offers a fixed 7.99% introductory rate on balance transfers for the life of the loan for balance transfers made during the application or within the first six months of membership. In relation to other business reward cards, this card has a reasonably low interest rate for purchases after the introductory offer expires (for higher qualifying applicants).

Cardholders will be able to take advantage of various services and benefits including purchase protection, travel accident insurance, and various travel and emergency assistance services. Through the OPEN Savings program, cardholders can also save 3% to 25% on business expenses with companies like FedEx, Delta, Hertz, Hyatt Hotels & Resorts, and more.

The cash rebate amount varies according to where the cardholder makes the purchase; 5% is earned for gasoline purchases; 3% rebate for restaurant purchases; 2% rebate for travel purchases; and 1% rebate on all other purchases including Costco purchases. There is no limit to the amount of cash rebates that can be earned.

In addition to the cash rebates, the card does provide several benefits and services that are commonly found with American Express® credit cards, such as purchase protection, auto rental insurance, and travel accident insurance.

The card has a high interest rate for purchases and balance transfers (for a business card), and it is not ideal for those who plan to carry a balance on the card, even when considering the cash back rebates. There is no annual fee with a paid Costco membership, and cardholders can take advantage of the 0% introductory offer on purchases for three months and the very low balance transfer offer for six months on balance transfers made within the first 40 days of membership.

The cash rebate amount varies according to where the cardholder makes the purchase; 5% is earned for gasoline purchases; 3% rebate for restaurant purchases; 2% rebate for travel purchases; and 1% rebate on all other purchases including Costco purchases. There is no limit to the amount of cash rebates that can be earned.

In addition to the cash rebates, the card does provide several benefits and services that are commonly found with American Express® credit cards, such as purchase protection, auto rental insurance, and travel accident insurance.

The card has a high interest rate for purchases and balance transfers (for a business card), and it is not ideal for those who plan to carry a balance on the card, even when considering the cash back rebates. There is no annual fee with a paid Costco membership, and cardholders can take advantage of the 0% introductory offer on purchases for three months and the very low balance transfer offer for six months on balance transfers made within the first 40 days of membership.

Cardholders have access to the reward program with no additional fee. Through the reward program, cardholders earn one point for each dollar spent on all purchases. Plus, cardholders will receive 5,000 bonus points after their first purchase. Points can be redeemed for discounts on purchases at airlines, hotels, car rentals, cruise lines, travel agencies, tour operators, and on-line travel sites. Once the eligible purchase appears on the monthly statement, the cardholder may request the discount redemption to be applied. Points can only be redeemed toward one purchase at a time in 7,500 increments, which is equal to a credit of up to $100. Points never expire, and there is no limit to the amount of points that can be redeemed per eligible purchase; however, they must be redeemed in a single request.

The card has no annual fee and a reasonable interest rate for purchases and balance transfers. Cardholders can also take advantage of the 0% introductory rate on purchases for the first twelve months and the reasonably low 7.99% introductory rate on balance transfers for the life of the loan on balance transfers submitted during the first six months.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include up to $100,000 in travel accident insurance, auto rental insurance, and special discounts from select retailers. It is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply for the discounts.

Cardholders have access to the reward program with no additional fee. Through the reward program, cardholders earn one point for each dollar spent on all purchases. Plus, cardholders will receive 5,000 bonus points after their first purchase. Points can be redeemed for discounts on purchases at airlines, hotels, car rentals, cruise lines, travel agencies, tour operators, and on-line travel sites. Once the eligible purchase appears on the monthly statement, the cardholder may request the discount redemption to be applied. Points can only be redeemed toward one purchase at a time in 7,500 increments, which is equal to a credit of up to $100. Points never expire, and there is no limit to the amount of points that can be redeemed per eligible purchase; however, they must be redeemed in a single request.

The card has no annual fee and a reasonable interest rate for purchases and balance transfers. Cardholders can also take advantage of the 0% introductory rate on purchases for the first twelve months and the reasonably low 7.99% introductory rate on balance transfers for the life of the loan on balance transfers submitted during the first six months.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include up to $100,000 in travel accident insurance, auto rental insurance, and special discounts from select retailers. It is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply for the discounts.

Although this card does not offer the option to pay balances over time, it does help to prevent businesses from accumulating too much credit card debt, which can often be the case when paying only the minimum due with high interest rates.

The Membership Rewards® program is one of the most flexible reward programs in the credit card industry due to the variety of merchandise and services that can be redeemed for accumulated points. In addition, points never expire, and there is no maximum number of points that can be earned.

Not only do cardholders earn one point for every dollar in purchases and have the opportunity to earn additional points through participating merchants, but they also receive 25,000 Membership Rewards® bonus points, redeemable for one domestic round-trip airline ticket, 5,000 bonus points after their first purchase, 5,000 bonus points for reaching $20,000 in spending, 20,000 additional bonus points for reaching $50,000 in spending, and another 10,000 bonus points upon the one-year renewal of the card. With a spending average of just $5,000 per month, cardholders can potentially earn up to 100,000 points or more in the first year alone.

There is no annual fee for the first year. Thereafter, there is an annual fee of $125 for the primary cardholder and $45 for each additional cardholder.

Through OPEN Savings, cardholders will receive discounts on products and services from participating partners including FedEx®, Delta®, Hertz®, and more. It is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various services and benefits including purchase protection, auto rental insurance, up to $100,000 in travel accident insurance, and various travel and emergency assistance services.

Although this card does not offer the option to pay balances over time, it does help to prevent businesses from accumulating too much credit card debt, which can often be the case when paying only the minimum due with high interest rates.

The Membership Rewards® program is one of the most flexible reward programs in the credit card industry due to the variety of merchandise and services that can be redeemed for accumulated points. In addition, points never expire, and there is no maximum number of points that can be earned.

Not only do cardholders earn one point for every dollar in purchases and have the opportunity to earn additional points through participating merchants, but they also receive 25,000 Membership Rewards® bonus points, redeemable for one domestic round-trip airline ticket, 5,000 bonus points after their first purchase, 5,000 bonus points for reaching $20,000 in spending, 20,000 additional bonus points for reaching $50,000 in spending, and another 10,000 bonus points upon the one-year renewal of the card. With a spending average of just $5,000 per month, cardholders can potentially earn up to 100,000 points or more in the first year alone.

There is no annual fee for the first year. Thereafter, there is an annual fee of $125 for the primary cardholder and $45 for each additional cardholder.

Through OPEN Savings, cardholders will receive discounts on products and services from participating partners including FedEx®, Delta®, Hertz®, and more. It is important to review the disclosures for participating merchant discounts, as restrictions and limitations do apply.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various services and benefits including purchase protection, auto rental insurance, up to $100,000 in travel accident insurance, and various travel and emergency assistance services.

Through the reward program, cardholders earn one Award Dollar for each dollar spent on the card. Two Award Dollars are earned for each dollar spent on JetBlue flights, gas, wireless phone charges, car rentals, and office supplies and equipment. It is important to understand that 200 Award Dollars are equal to one TrueBlue® point, and 100 TrueBlue® points are equal to one round-trip flight. Cardholders will earn 50 TrueBlue® points with the first purchase, which is worth 1/2 of a free flight. There is no limit to the amount of Award Dollars that can be earned, but TrueBlue® points expire one year after they are earned if there is no point earning or redemption activity, and TrueBlue® awards expire one year after they are issued.

In addition to the reward program, cardholders can expect common benefits offered by American Express, such as various emergency assistance services, purchase protection, extended warranty services, and travel accident insurance.

The annual fee of $40 is reasonable as compared to other airline reward cards. There is a 3.99% introductory rate for six months that applies to balance transfers, and the interest rate is above average for purchases and balance transfers once the introductory rate expires.

Through the reward program, cardholders earn one Award Dollar for each dollar spent on the card. Two Award Dollars are earned for each dollar spent on JetBlue flights, gas, wireless phone charges, car rentals, and office supplies and equipment. It is important to understand that 200 Award Dollars are equal to one TrueBlue® point, and 100 TrueBlue® points are equal to one round-trip flight. Cardholders will earn 50 TrueBlue® points with the first purchase, which is worth 1/2 of a free flight. There is no limit to the amount of Award Dollars that can be earned, but TrueBlue® points expire one year after they are earned if there is no point earning or redemption activity, and TrueBlue® awards expire one year after they are issued.

In addition to the reward program, cardholders can expect common benefits offered by American Express, such as various emergency assistance services, purchase protection, extended warranty services, and travel accident insurance.

The annual fee of $40 is reasonable as compared to other airline reward cards. There is a 3.99% introductory rate for six months that applies to balance transfers, and the interest rate is above average for purchases and balance transfers once the introductory rate expires.

In reference to the reward program, one point is earned for every dollar spent on the card and double points are earned at participating Starwood properties and retail outlets. Points can be redeemed for various travel services, such as free hotel stays and airline travel. Cardholders also earn 10,000 bonus points after their first purchase, which is enough for up to three free nights. Points do not expire as long as the account is active within a one-year period.

Perhaps what is most impressive about the program is the fact that cardholders can transfer earned points to a variety of frequent flyer programs.

Aside from the reward program, the card does offer a variety of benefits such as emergency card replacement and various travel and emergency assistance services. Cardholders will also receive access to the OPEN Savings Network for discounts on products and services at participating merchants and retailers.

The interest rate for purchases is considered above average, but there is a low introductory rate for purchases and balance transfers for the first six months. There is an annual fee of $45.

In reference to the reward program, one point is earned for every dollar spent on the card and double points are earned at participating Starwood properties and retail outlets. Points can be redeemed for various travel services, such as free hotel stays and airline travel. Cardholders also earn 10,000 bonus points after their first purchase, which is enough for up to three free nights. Points do not expire as long as the account is active within a one-year period.

Perhaps what is most impressive about the program is the fact that cardholders can transfer earned points to a variety of frequent flyer programs.

Aside from the reward program, the card does offer a variety of benefits such as emergency card replacement and various travel and emergency assistance services. Cardholders will also receive access to the OPEN Savings Network for discounts on products and services at participating merchants and retailers.

The interest rate for purchases is considered above average, but there is a low introductory rate for purchases and balance transfers for the first six months. There is an annual fee of $45.

Cardholders have access to the cash back reward program for no additional fee. Through the reward program, cardholders earn a 4% rebate on office supplies and wireless servcies (certain restrictions apply), a 3% rebate on automobile gas, and they earn a 1% rebate on all other purchases. Rebates are automatically credited to the cardholder's statement each month, and there is no limit to the amount of cash back that can be earned.

The card has no annual fee, and it has a very low interest rate for purchases and balance transfers. Cardholders can also take advantage of the 0% introductory rate on purchases for up to twelve months and the 7.99% introductory rate on balance transfers for the life of the loan on balance transfers submitted during the first six months.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include travel accident insurance, purchase protection, and special discounts from select retailers.

Cardholders have access to the cash back reward program for no additional fee. Through the reward program, cardholders earn a 4% rebate on office supplies and wireless servcies (certain restrictions apply), a 3% rebate on automobile gas, and they earn a 1% rebate on all other purchases. Rebates are automatically credited to the cardholder's statement each month, and there is no limit to the amount of cash back that can be earned.

The card has no annual fee, and it has a very low interest rate for purchases and balance transfers. Cardholders can also take advantage of the 0% introductory rate on purchases for up to twelve months and the 7.99% introductory rate on balance transfers for the life of the loan on balance transfers submitted during the first six months.

As with all business credit cards issued by American Express®, cardholders will be able to take advantage of various additional services and benefits. Some of the benefits include travel accident insurance, purchase protection, and special discounts from select retailers.