Overall card rating

3.8
39 Reviews
from Intuit Credit Karma members

Most helpful positive review

Nov 09, 2022
Very good odds, APPROVED
Credit Karma Member

Credit Karma said I had very good approval odds, applied, and accepted with a $26,000 limit and 0% interest for 12 months.

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Most helpful negative review

Jun 03, 2022
worst business credit card
Credit Karma Member

I have to say that when I got this credit card I was surprised at the low credit limit I was given and questioned and almost declined it but a representative said that this is a hybrid card and that I could go over my spending limit. Fast forward after 2 years with the credit card and havng paid the full statement balance amount every month on time. A freeze was put on the account as well as my other personal Amex credit card that I had since 84. I called several times and talk to representatives and was given the wrong information evrytime assuring me that it was ok to keep using the credit card only to be declined on a auto pay and then freezing the account. A supervisor by the name of Ronda who was not pleasant compared to everyother representative I talked to before blamed it on Experian and advised me contact them instead. After spending hours on the phone with Experian they said that that was not true. I take pride on my credit profile, have a constant credit score over 825 and always pay my bills on time and pay the full statement balace every month. Ive been in business for over 35 years and never had a business credit card that was this bad.

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Member ratings

Application process
Customer service

All member reviews (39)

22
2
4
2
9

Nov 15, 2023
$250 welcome offer scam
Credit Karma Member

I had this card and started spending from it to reach $3,000 before first 3 months to get my $250 cash back bonus. I reached $3,000 in spendings way before first 3 months and never get any cash back. At first they representatives told me to keep waiting but then they just told me that I will not going to receive my bonus just because. Feels like I got scammed.

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Sep 18, 2023
Strange Card
Credit Karma Member

A year after owning this card I realized it wasn't reporting to my credit report, I called AMEX to request that it reports and they said they only report negative items to the report and not positive! One sided and unfair, disappointed! I can see where some folks would like this but I definitely don't. Also, there is a limit on the cash back you could earn on up to $50K in spending during a 1 year cycle, I go through that much in a month!

Helpful1
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Apr 07, 2023
Not the best credit card
Credit Karma Member

Annual fee is 95 and I didn’t even use this card

Helpful2
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Feb 02, 2023
Outstanding, 25k
Credit Karma Member

CK said my chances were "excellent", so I applied, and being I already have an Amex BCP they only did a soft pull on my credit and came back with an instant approval with 25k limit! Bonus, AMEX business cards don't report to your personal credit. Outstanding!

Helpful7
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Nov 09, 2022
Very good odds, APPROVED
Credit Karma Member

Credit Karma said I had very good approval odds, applied, and accepted with a $26,000 limit and 0% interest for 12 months.

Helpful10
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Aug 20, 2022
Love it
Credit Karma Member

Got my American Express they gave me 10’000 credit limit

Helpful5
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Jun 03, 2022
worst business credit card
Credit Karma Member

I have to say that when I got this credit card I was surprised at the low credit limit I was given and questioned and almost declined it but a representative said that this is a hybrid card and that I could go over my spending limit. Fast forward after 2 years with the credit card and havng paid the full statement balance amount every month on time. A freeze was put on the account as well as my other personal Amex credit card that I had since 84. I called several times and talk to representatives and was given the wrong information evrytime assuring me that it was ok to keep using the credit card only to be declined on a auto pay and then freezing the account. A supervisor by the name of Ronda who was not pleasant compared to everyother representative I talked to before blamed it on Experian and advised me contact them instead. After spending hours on the phone with Experian they said that that was not true. I take pride on my credit profile, have a constant credit score over 825 and always pay my bills on time and pay the full statement balace every month. Ive been in business for over 35 years and never had a business credit card that was this bad.

Helpful25
Not Helpful0
Comment0
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Jan 20, 2022
Bait with spending limit
Credit Karma Member

when I apply they showed my spending power was 50000$ and after approval the credit limit 2000$ and also buying power also came to 2000$, I feel like they scammed me, I send the screenshots to American Express until now nothing happened.don’t select this card

Helpful10
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Oct 23, 2021
New Business 1st Card
Credit Karma Member

Application process was easy, they did ask for documentation for business. 1. Business Name/Matching Address 2. A Bank Statement from past 60 days. 745TU Good Approval Odds 10k after documentation given Est. 185k in revenue first year. Soft pull, this will be my second card.

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Sep 16, 2021
Amex is a interest scam artist
Credit Karma Member

had the card for many years and then out of the blue they raised me up 5 % on interest ,after i had a large balance, they offer a free creit score but use a different formula than what they show you free ! there formula is 10 -30 points lower than what they show you free on your score !

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