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American Express Small Business Card

If you are a small business owner, the kind of flexibility the American Express Small Business Card gives can be invaluable.

This is a charge card rather than a credit card meaning that your balance must be paid in full each month. However, you will have an interest free period of up to 39 days from the time of the transaction, giving your cash flow extra flexibility.

You will also receive every day savings with purchases at partner retailers. These include Dell Computers, FedEx, car hire companies and more.

Card members are automatically enrolled in the membership rewards program: get things for your business or treat yourself!

Supplementary cards for your employees are free. You are also able to set different spending limits on each of these individual cards. There is comprehensive reporting so that you can easily see what was spent on which card and when.

Application

Summary Table

Spending Limit	No Limit
Annual Fee	Free for first year £95 therafter
Supplementary Cards	Free.
Rewards	Membership rewards plus everyday discounts at participating retailers
Customer Service	24hrs, 365 days a year
Online Account Access	Yes
Reporting	Monthly breakdown by card plus year end annual reporting

Credit Sources Review

If you are looking for much more flexibility with your business cash flow then this could be the right card for you.

No pre-set spending limit means that purchases are evaluated on a case by case basis and you can buy what you need for your business when you need it.

Everyday savings mean that your business is saving money on everyday purchases allowing you to invest that back in your business.

Application