Check offers: Business credit cards: Apps and AI make everyday business easier

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Check offers Business credit cards: Apps and AI make everyday business easier

06/02/2022, 2:40 p.m

Credit cards for business promise more liquidity or free second cards for employees. But credit card providers go even further to entice companies and the self-employed.

Business customers are an attractive target group for credit card providers because they generate a lot of high sales. The business credit cards therefore attract the self-employed and companies with very special advantages. These are advantages that private customers do not receive at all, or at least not in this form. This includes, for example, higher liquidity thanks to an extended payment period, free additional cards for employees, an even more attractive bonus system than with private cards or special vouchers from partner companies.

Settlements: Amex Expense saves time and nerves

American Express offers another interesting feature for holders of its American Express Business Gold Card, which can be of great advantage in everyday business: Amex Expense. It is a fully digital billing tool for businesses. The app is available for business customers and makes it easier for employees to manage expenses. The big advantages: Storage of paper documents and tedious manual comparisons are no longer necessary. Everything works in just a few steps with the smartphone – and even with the help of artificial intelligence (AI). The provider promises these features:

Take a picture: From lunch and business trips to goods and services, cardholders simply use their smartphone to upload a photo or a digital version of their receipts to Amex Expense. Nobody needs to keep physical receipts anymore. Artificial intelligence helps: Instead of manually entering receipts and transaction details, Amex Expense uses AI technology to pull information about a transaction directly from cardmember accounts and match it to the receipt. If there is no receipt, expenses can only be submitted using the transaction details. Lost receipts are no longer a problem either. Receive approvals in real time: Accounting receives an instant notification to review and approve expenses in real time or at the end of the month. Faster Reimbursement: Amex Expense creates a complete, categorized expense report that can be reimbursed immediately. Employees don’t have to wait weeks for their money.

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American Express Business Gold Card

Action: 200 euros starting credit

to offer

Analysis and DATEV: Accounting should be relieved

Businesses using Amex Expense can also create expense reports that provide detailed insights into employee expenses. Business card users can use this analysis to provide more transparency into employee spending and decide whether to implement appropriate card controls and spending limits. Amex Expense also offers an integration of the DATEV cooperative, which includes tax consultants, auditors, lawyers and their clients.

American Express Business Gold Card: Benefits at a glance

Promotion: 200 euros starting credit or 50,000 Membership Rewards points for new customers 0.4 percent cashback on all credit card expenses 100 euros credit at Dell per year Up to 50 days payment term for more liquidity Up to 99 employee cards without additional costs Amex Expense accounting tool can be used (incl DATEV integration) Participation in the American Express Membership Rewards program Comprehensive insurance package for the trip (including travel cancellation, international health and car insurance) 175 euros annual fee (the first year is free)

Anyone who chooses the American Express Business Gold Card now gets a starting credit of 200 euros or 50,000 Membership Rewards points. Prerequisite: You have to spend 8,000 euros on your credit card in the first three months.

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American Express Business Gold Card

Action: 200 euros starting credit

to offer

Alternative credit card: Barclays Platinum Double

The Barclays Platinum Double is an alternative to the American Express Business Gold Card. While the provider doesn’t have a comparable expense reporting tool – here’s the point for Amex Expense – Barclays offers another advantage: holders can withdraw money worldwide for free and also pay in foreign currencies without additional fees. In return, customers have to do without an attractive bonus system such as the Membership Rewards program.

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Barclays Platinum Double

99 euros annual fee

to offer

However, Barclays also has a fairly extensive insurance package, which consists of travel cancellation costs, travel abroad, health insurance and rental car comprehensive insurance. In addition, customers receive two cards here: a Visa and a Mastercard credit card. So you have no problems with acceptance when paying worldwide. For the annual fee of 99 euros, this is a good offer – for business and private customers alike.

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