American Express National Bank

Overview

American Express is a card network and issuer in its own right, so unlike fintech programmes its corporate cards are not issued through a partner bank. The US Corporate Program offers four card tiers aimed at different employee groups: the Corporate Platinum Card for senior executives and frequent travellers, the Corporate Gold Card for company leaders and client managers, the Corporate Green Card for core employees and occasional travellers, and the Corporate Purchasing Card for procurement staff^[8]. Annual fees run from US$550 for Platinum and US$250 for Gold to up to US$75 for Green, with no annual fee on the Purchasing Card^[8]. The Platinum tier includes access to more than 1,550 airport lounges through the Global Lounge Collection^[8]. Amex supplements the plastic with virtual cards, the One AP accounts-payable service and the @ Work programme-management portal^[8]. For expense reporting it partners with Emburse Spend rather than building its own expense tool, with sync to NetSuite, QuickBooks, Xero and Sage Intacct^[8]. Several of these add-ons require enrolment and carry fees, including a recurring platform access fee on One AP^[8].

American Express National Bank features

• Four corporate card tiers by employee role
• 1,550+ airport lounges on Corporate Platinum
• Virtual cards for employee and supplier spend
• One AP supplier payments by virtual card, ACH or check
• @ Work programme management portal
• Emburse Spend expense integration

American Express National Bank pricing

Per-card annual fees: Corporate Platinum US$550, Corporate Gold US$250, Corporate Green up to US$75, Corporate Purchasing US$0. Programme pricing, rewards structure and liability terms are arranged with an American Express specialist; Emburse Spend and One AP require enrolment and fees apply.

American Express National Bank strengths and limitations

Appears in

• Largest Banks in the US (2026) #21
• Best Corporate Cards in 2026 #3

American Express National Bank alternatives and competitors

Alternatives to American Express National Bank: companies ranked in the same lists.

• Capital One, National Association
• Morgan Stanley Bank, N.A.
• JPMorgan Chase
• The Northern Trust Company
• HSBC Bank USA, N.A.
• Ramp
• Brex
• BILL Divvy Card
• AAirwallex
• NNavan
• KeyBank National Association
• Rippling