Amex expands Pay Over Time auto-enrollment to business Green, Gold and Platinum cards

New and existing card members will be auto-enrolled in Pay Over Time starting in November, but you can turn the feature on and off as needed.

Bottom line

If you’re a small business owner with a Green, Gold or Platinum Amex business card and occasionally carry a balance from month-to-month, Pay Over Time can be a helpful way to receive more flexibility with your payments. However, if you regularly carry a balance, you should consider using a business card that offers a promotional 0% APR[9].

The Blue Business Cash™ Card from American Express[10] and the Blue Business® Plus Credit Card from American Express[11] both provide an introductory 0% APR for the first 12 months on purchases (then 13.24% to 19.24% variable APR). Either of these cards are a great way to finance business expenses over your first year as a card member without incurring interest.

Amex business cards typically require an excellent credit score[12] to qualify. When applying, you may need to enter your employer identification number (EIN) and/or social security number (SSN).

Business Green Rewards Card from American Express[13]

Business Green Rewards Card from American ExpressInformation about the Business Green Rewards Card from American Express has been collected independently by CNBC and has not been reviewed or provided by the issuer of the card prior to publication.

  • Rewards

    2X Membership Rewards® points for each dollar you spend on eligible purchases at and 1X Membership Rewards® for each dollar you spend on eligible purchases

  • Welcome bonus

    15,000 Membership Rewards® points after you spend $3,000 on eligible purchases within the first 3 months from account opening

  • Annual fee

    $0 intro annual fee for the first year, then $95

  • Intro APR

  • Regular APR

  • Balance transfer fee

  • Foreign transaction fee

    2.7% of each transaction after conversion to US dollars

  • Credit needed

The American Express® Business Gold Card[14]

The American Express® Business Gold CardOn the American Express secure site

  • Rewards

    Get more rewards with 4X Membership Rewards® points on two select categories where you spend the most each month; Get 25% points back, after you book a flight using Pay with Points

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