Key facts
| Product | Business cards |
| Funding type | Corporate cards (spend float) |
| Estimated rate as of today | Rates shown to approved members |
| Pricing source | Estimated as of today |
| Time to cash | About 1 week |
| Typical size | Up to $250K |
| Term | 1–12 months |
| Requirements | Personal guarantee |
| Regions | US · UK · EU |
| What they underwrite | Your cash balance |
| Collateral | Cash balance |
| How you repay | Monthly statement |
| Dilution | None |
The estimated rate for American Express, as of today, is shown to approved members. Sign in to see it.
American Express pros and cons
- Widest Reach award, Corporate cards (spend float) (2026)
- Non-dilutive: no equity or warrants
- No revenue minimum listed
- Available in US, UK, EU
- Pricing isn't public
- Requires a personal guarantee
Smoothing vendor and ad spend; free if paid in full.
Not cash in the bank. Limits follow your cash balance.
American Express alternatives
Other corporate cards (spend float) providers, fastest first.
Compare American Express
American Express FAQ
How much does American Express cost?
The estimated rate for American Express, as of today, is shared with approved B2B Agent members. Your actual cost depends on your business and American Express's underwriting.
How fast does American Express fund?
About 1 week from application to cash, based on typical timelines.
What are American Express's requirements?
Personal guarantee. Available in US, UK, EU.
How much can you get from American Express?
Up to $250K. Terms run 1–12 months.
Does American Express require a personal guarantee?
Yes. American Express asks for a personal guarantee.
What are the best alternatives to American Express?
Other corporate cards (spend float) providers include Brex (Interest-free for 1 month, then pay in full, about 3 days); Ramp (Interest-free for 1 month, then pay in full, about 3 days). Compare all 3 side by side on B2B Agent.
Is American Express the best corporate cards (spend float) provider?
American Express won Widest Reach among 3 corporate cards (spend float) providers in the 2026 B2B Agent Awards. The best fit still depends on your amount, revenue, and timeline.
American Express won 1 B2B Agent Award in 2026
Awards are rule-based: a provider wins only if it beats every other provider of its funding type on the published data, and ties award nobody. See how winners are chosen. Work at American Express? Copy the code below to show your award on your website.
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Is American Express your best option?
Price American Express against all 84 options for your amount, revenue and timeline — then ask for an introduction to the best fits.
Rates are estimates as of today, not a lender's quoted interest rate. Not an offer of credit, investment, legal or tax advice. B2B Agent may receive a referral fee when we introduce you to a provider; it never changes rankings or what we publish. Lenders: send your current terms so we can refresh the estimate, which also makes you eligible for the Transparent Pricing and Lowest Rate awards. Update your listing.