Best Premium Business Cards

Best premium business cards.

High annual fees, but loaded with perks. For businesses that can maximize the value.

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Best Premium Business Cards, compared.

Side-by-side comparison of the top picks.

The Business Platinum Card from American Express

The Business Platinum Card from American Express

American Express

Annual Fee
$895
Rewards
5x on flights/hotels via Amex ...
Intro Offer
Up to 300,000 points after $20...
American Express Business Gold Card

American Express Business Gold Card

American Express

Annual Fee
$375
Rewards
4x points on top 2 spending ca...
Intro Offer
Up to 200,000 points after $15...

From formation to first purchase in minutes.

Form Your Company

Lovie handles your LLC or Corp formation with AI — state fees included.

Get Your Card

You get a virtual card right away. Physical card ships the same day.

Set Controls

Set limits, block merchants, manage team access — from the dashboard or by asking your AI.

Start Spending

Use your card anywhere Mastercard is accepted. Earn 1.5% cashback on every purchase.

Your business card should work as fast as your AI.

A card that keeps up with how you actually work.

Instant Issuance

Your card is ready the moment your company is. No approval wait, no separate application.

Smart Spending Controls

Per-card limits, merchant blocks, auto-expiring rules. Set them from your dashboard or just ask your AI.

MCP-Native

Issue cards through Claude, Cursor, Manus, or any MCP-compatible tool. Works wherever you already work.

Build Business Credit

Every purchase reports to major credit bureaus. Your company builds credit automatically.

No Foreign Transaction Fees

Spend globally without hidden fees. Your card works everywhere Mastercard is accepted.

One Platform, Everything

Formation, banking, and cards in one dashboard. You stop juggling logins.

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Card-by-card breakdown.

The Business Platinum Card from American Express

American Express

Annual Fee
$895
Rewards
5x points

The Business Platinum Card from American Express offers 5x on flights/hotels via amex travel, 2x on key business categories and purchase.

Best Feature: $1,150 Dell credit, $600 hotel credit, $200 airline fee cred

American Express Business Gold Card

American Express

Annual Fee
$375
Rewards
4x points

American Express Business Gold Card offers 4x points on top 2 spending categories each billing cycle (up to $150k/year), 3x.

Best Feature: $240 Flexible Business Credit (FedEx, Grubhub, office suppli

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