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  American Express® National Bank Credit Card®
American Express® National Bank Credit Card® Claimed

American Express® National Bank Credit Card®

Claimed
SuperMoney Net Recommendation Score +60  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.

+60

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

4 users recommend
0 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR 14.24% - 22.24%
Balance Transfer APR 14.24% - 22.24%
Credit Score Range 600 - 850
Annual Fee $595
Number of Reviews 5

American Express® National Bank Credit Card® Review

Key Takeaways
  • Business credit card with generous reward rate. You will get a rewards rate of up to 5x.
  • Signup bonus. Offers a signup bonus of 85000 points after spending $15,000 that can be redeemed for travel, gifts, or other perks.
  • Competitive APRs. American Express® National Bank Credit Card® has a variable purchase APR that ranges from 14.24% up to 22.24%.
  • No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
  • Multiple business credit card benefits. Includes generous credit card perks, such as and fraud protection.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of American Express business Platinum card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • Multiple business credit card perks.
  • Considers applicants with fair credit.
  • No foreign transaction fee.
  • American Express® National Bank Credit Card® reports to multiple credit bureaus.
  • Charges an annual fee of $595
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
American Express business Platinum card FAQ

Who is American Express business Platinum card designed for?

This is a credit card issued by American Express National Bank. 

This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.

What are the relevant APRs?

This business credit card has a variable purchase APR that ranges from 14.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 22.24%.

It also has a variable cash advance APR that ranges from 14.24% up to 22.24%. Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does it have an introductory APR offer?

No, this business card does not come with an introductory APR offer for balance transfers.

This business credit card does not offer an introductory rate on new purchases.

American Express business Platinum card Rates & Terms
Purchase APR 14.24% - 22.24%
Balance Transfer APR 14.24% - 22.24%
Cash Advance APR 14.24% - 22.24%
Penalty APR 29.9%

What fees does it charge?

The following fees apply to this business credit card:

  • An annual fee of $595.
  • A late payment penalty of up to $39.
  • A returned payment fee of up to $39.

Does it charge a foreign transaction fee?

This business credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.

American Express business Platinum card Fees
Fees Amount
Annual Fee $595
Foreign Transaction Fee 0%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does it offer a cash back rewards program?

No, it does not offer a cash back rewards program. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:

Can I get it with just an employer identification number (EIN)?

You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.

What are the benefits?

This business credit card provides the following benefits:

  • No blackout dates when redeeming miles
  • Reports to major credit bureaus

What is the support contact email?

The support contact email for this business credit card is info@americanexpress.com.

How do people rate the customer service and user experience?

Overall, this business credit card is strongly recommended based on community reviews that rate customer service and user experience.

Does American Express® National Bank Credit Card® report your account activity to credit bureaus?

Yes, American Express® National Bank Credit Card® reports your account activity to the following credit reporting agencies:

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply?

  • Visit the American Express National Bank .
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.
View American Express® National Bank Credit Card®'s published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From American Express National Bank

5X Membership Rewards® points on flights and prepaid hotels on amextravel.com. Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 35% of those points back, up to 500,000 points back per calendar year. Eligible fares include First and Business Class tickets with all airlines available through American Express Travel, as well as any fare class with your selected qualifying airline.  With more than 1,300 lounges across 140 countries and counting, the American Express Global Lounge Collection®* offers travelers more complimentary lounge options than any other card on the market*. Enjoy the highest levels of luxury at any of our own networks, The Centurion® Lounge and The International American Express lounges, or visit one of our partners including Delta Sky Club® when flying Delta or a Priority PassTM Select lounge once enrolled. Do business globally and pay no foreign transaction fees on your purchases. American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.


Contact

Hours of Operation

  • Sunday 7:00am - 12:00pm
  • Monday 7:00am - 12:00pm
  • Tuesday 7:00am - 12:00pm
  • Wednesday 7:00am - 12:00pm
  • Thursday 7:00am - 12:00pm
  • Friday 7:00am - 12:00pm
  • Saturday 7:00am - 12:00pm

Other Services by American Express National Bank

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View all business credit cards offered by American Express National Bank

Feature Breakdown

Foreign Currency Transaction Fee 0%
No Foreign Transaction Fee
No Interest Grace Period for Late Payment 25 days
Annual Fee $595
Late Fee Amount Up to $39
Returned Payment Fee Up to $39
Minimum Age 18
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Trip Cancellation Insurance
  • Emergency Support
  • Fraud Liability
  • Travel Accident Insurance
  • Global Entry / TSA Pre✓®
  • Travel Assistance
  • Concierge
Annual Loyalty Bonus $200
Bonus Rewards Earn 85,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card in the first 3 months.
No Blackout Dates
No Reward Expiration Period
Rewards Categories
  • Travel
  • Airfare
  • Car Rentals
  • Hotels
  • Restaurants
  • Every Purchase
Signup Bonus (points) 85,000
Balance Computation Average daily balance (including new purchases)
Cash Advance APR 14.24% - 22.24%
Penalty APR 29.9%
Purchase APR 14.24% - 22.24%
Balance Transfer APR 14.24% - 22.24%
Card Network American Express
Card Type
  • Rewards

American Express® National Bank Credit Card® Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +60, equating to 4.2 on a 5 point rating scale.

+60

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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American Express National Bank Business Credit Cards

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