Looking to apply for an American Express business credit card? Whether you’re a freelancer, small business owner, or running a larger operation, Amex offers some of the most flexible and rewarding business cards in Canada. 

But before you apply, it’s important to understand the requirements, approval process, and how to make the most of your card.

How to Get Approved for an Amex Business Card 

Amex business card requirements are pretty straightforward. The only two eligibility requirements are:

• You must be a Canadian resident with a Canadian credit file

• You must be the age of majority in your province or territory

Although not explicitly stated, having a good to excellent credit score (typically 660 and above) increases your chances of approval. You’ll also need to gather any business documents and statements for your application. 

How to Apply for an Amex Business Card

Here’s how to apply, step by step:

1. Choose which card you want to apply for. Amex offers four different business cards, each suited for different spending levels and includes various benefits. 

2. Enter your personal information, such as your name, business email, and address. 

3. Enter your contact information. 

4. Enter the details of your business, including income and business activity. 

5. Submit your application. You might receive an instant decision, or Amex may request additional information to verify your business before approving the application. 

Alternatively, you can apply for a card by speaking to a specialist, who will call you within one to two business days. 

How to Check Your Amex Application Status

To check your application status, call Amex at 1-877-891-0821 or chat with them by logging into your Online Services account or the Amex app. 

What Is the Easiest Business Credit Card to Get?

There is no one “easiest” Amex card to get approved for. American Express does not have an income requirement for any of its cards, so approval comes down to a case-by-case basis. In general, if you have a good credit score, income, and business standing, you are highly likely to get approved for an Amex business credit card. 

How to Make the Most of Your Amex Business Card

Getting approved for an Amex business card is just the first step. By using your American Express business card to pay for expenses such as rent and taxes with Chexy, you can earn valuable rewards points. That means more perks, more points, and more flexibility for your business, all while extending your cash flow and building your business credit profile.

Get started with Chexy today and start earning points on those large business expenses. 

FAQs

Can I get an Amex business card without a business? 

If you are self-employed or a freelance contractor, you can apply for an Amex business credit card. 

What credit score do I need for an Amex business card?

Most Amex business cards require good to excellent credit, typically a score of 660 or higher.

Does Amex verify business income?

Yes, Amex may request supporting documents like bank statements, tax returns, or invoices to confirm your business income.

Can freelancers or sole proprietors get an Amex business card?

Yes. You don’t need an incorporated company, so if you have any kind of business, you can apply - even freelancers and contractors.

Can I have more than one Amex business card?

Yes, you can have more than one Amex business credit card, though approval depends on your credit profile and financial situation. 

Does applying for an Amex business card affect my credit score?

As with any credit application, you’ll get a hard inquiry on your personal credit report, which may cause a temporary dip in your score. However, this won’t affect your credit long-term, as long as you’re not applying for too many credit cards at once.