Comparing Amex Corporate Cards for Singapore Businesses: Which is Best for 2025?

American Express Corporate Card programs stand among the most established and trusted business payment solutions globally. For Singapore businesses, these cards offer a comprehensive suite of benefits tailored to various corporate needs, from travel management to purchasing control.

In this guide, we'll look at the different American Express corporate card options available in Singapore, comparing their features, benefits, and potential drawbacks to help you make an informed decision. Then, we’ll introduce an alternative to complement your business card needs: the Wise Business card.

Table of contents

Overview of Amex corporate cards How does a corporate card work? Overview of Amex business card resources and benefits The American Express Corporate Gold Card The American Express Corporate Card Wise Business Card American Express Corporate Purchasing Card American Express Corporate Meeting Card American Express Singapore Airlines Business Credit Card Conclusion: Which is the best American Express Corporate Card for your company?

Overview of Amex corporate cards

Here's a quick comparison of the available Amex business cards along with the Wise Business Card:

Card	Annual Fee	Minimum Annual Revenue	Foreign Transaction Fee	Key Benefits
American Express Corporate Gold Card	S$168.95	Information not available	2.95%	Higher reward points, premium travel benefits
American Express Corporate Card	S$130.80	Information not available	2.95%	Basic travel insurance, expense management
American Express Corporate Purchasing Card	Information not available	Information not available	2.95%	Supplier and procurement controls, detailed reporting
American Express Corporate Meeting Card	Information not available	Information not available	2.95%	Event spending management, consolidated billing
AMEX Singapore Airlines Business Credit Card	S$304.59	S$50,000	3.25%	KrisFlyer miles earning, travel perks
Wise Business Card	S$0	None	No foreign transaction fee. Wise uses mid-market exchange rate. A small conversion fee is charged, starting at 0.26%.	Low fees on international payments 24/7 customer support No annual fee

*Details correct at time of research - 27th January 2025²

**This information is based on limited publicly available sources. Contact American Express directly for full details on each card's charges, and benefits.

How does a corporate card work?

Corporate cards fundamentally transform how businesses manage employee spending and company expenses. Unlike personal credit cards, these programs offer company-level liability options that protect both the business and employees.

The system integrates directly with expense management platforms, providing real-time visibility into all transactions and simplifying the entire expense reporting process.

For Singapore businesses, corporate cards solve several common challenges. They eliminate the need for employees to use personal cards for business expenses, simplify reimbursement processes, and provide better control over company spending.

➡️ Check Out: Which Company Credit Card is Best for Businesses in Singapore in 2025?

Overview of Amex business card resources and benefits

American Express is a popular choice for Singapore businesses for many reasons. The @Work platform offers online account management with detailed spending analytics, while integration with accounting software simplifies expense tracking. This means real-time expense tracking, custom reports, automated receipt matching, and full management of employee spending limits.

Additional benefits include:

• mobile app access for on-the-go expense submission and approval,
• 51 interest-free days to pay for purchases, and
• 24/7 customer support. ¹

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The American Express Corporate Gold Card

The Corporate Gold Card is Amex's premium offering for larger businesses, designed for companies with significant travel and entertainment expenses.

• Higher membership rewards point earning rate
• Comprehensive travel insurance (up to S$1,000,000)
• Access to airport lounges
• Hotel benefits from select partners
• Emergency medical and legal support
• Mobile expense management ⁴

📝 The Gold Card's strengths lie in its superior rewards earning potential and premium travel perks, but not every company will get enough value to justify the variable higher annual fee.

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The American Express Corporate Card

Amex’s foundational corporate card balances benefits with lower costs. It's suitable for most business needs, making it a popular choice for growing companies that need reliable expense management tools.

• Basic travel insurance (up to S$350,000)
• Corporate Cash worldwide ATM withdrawal
• Membership rewards program
• Emergency Global Assist Hotline ³

📝 The Amex Corporate Card works well for most SMEs prioritising expense management. But you get fewer perks than with the Gold Card - think basic insurance instead of comprehensive cover, and no fancy lounge access.

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Wise Business Card: A better way to process cross-border transactions

Illustration of Wise Business products

Companies engaged in international transactions can benefit from adding the Wise Business Card to their financial toolkit.

• Transparent FX rates with no markup
• Local account details in multiple currencies
• Real-time exchange rates in 150+ countries
• No hidden fees
• Easy international payments
• Physical and digital cards

The key differentiator for Wise is its handling of international payments.

Rather than marking up the exchange rate or charging higher fees, Wise provides businesses with the real mid-market rate and transparent pricing for the conversion fee.

This can result in significant savings for companies that regularly send or receive international payments. You can compare the costs directly - while traditional corporate cards often charge 3-4% on foreign transactions, Wise doesn’t charge foreign transaction fees at all.

Pricing/fees: Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information

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American Express Corporate Purchasing Card

The Corporate Purchasing Card is specifically designed to help with regular supplier payments, high-volume purchasing, and detailed spending data.

• Centralised business spending
• Spending limits per supplier
• ERP integration
• Automated expense reconciliation
• Specialised supplier spending reports⁵

📝 The Purchasing Card works best for businesses with significant spending needs and, by simplifying supplier relationship management, aims to cut procurement costs. It offers fewer rewards than other Amex corporate cards, putting the emphasis on control and visibility rather than perks.

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American Express Corporate Meeting Card

If your company runs regular events, the Corporate Meeting Card can help track and manage those costs.

• Event spending separate from other expenses
• Event costs bundled into one bill
• Integration with event management software
• Vendor payment management
• Venues and supplier bookings
• Event insurance options ⁶

📝 The main drawbacks come from its limited use beyond meeting expenses - it might not be cost-effective for businesses that only occasionally host events.

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American Express Singapore Airlines Business Credit Card

For businesses that frequently fly with Singapore Airlines, this co-branded card offers specialised travel benefits - particularly for travel between Singapore and key Asian business hubs.

• KrisFlyer miles on employee travel
• Travel Accident and Inconvenience Insurance
• Travel perks with selected hotel and car hire brands
• Fast-track to Elite Gold Status or Priority Pass for airport lounge, extra baggage, and priority check-in⁷

📝 The benefits of this card are focused on making the business travel experience better and improving the productivity of layovers. As a result, companies that don’t already use Singapore Airlines will find less value.

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Conclusion: Which is the best American Express Corporate Card for your company?

Instead of offering one-size-fits-all solutions, Amex has created specific cards for distinct business needs.

Take their Meeting Card - you won't find a dedicated card for this function from other providers. This specialisation extends across their range. Their Gold Card works best if your team travels frequently, offering airport lounge access and comprehensive travel insurance. The standard Corporate Card, on the other hand, handles everyday business spending with solid expense tracking.

But remember, specialised cards entail specialised costs.

Businesses should check that their spending in each category justifies separate cards and annual fees. Some businesses need multiple cards to cover all their needs, but this can get expensive. Others find that a single multi-purpose card, like the standard Corporate Card, better suits their spending patterns.

💡Many Singapore businesses find they get better results by mixing different cards.
●  Keep your Amex business cards for local spending and travel perks, but add a Wise Business Card to get better exchange rates and lower fees on global payments.
●  Start with what matters most to your business right now. You can always add additional cards later as your business needs change.
●  Check the costs carefully before you choose. Different sized companies get different fees and terms, so you'll need to speak with Amex directly.

>> Get Started with Wise Business today >>

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Sources:

1. Amex Corporate Card Programmes
2. Amex Corporate Card Comparison
3. Amex Corporate Green Card
4. Amex Corporate Gold Card
5. Amex Corporate Purchasing Card
6. Amex Corporate Meeting Card
7. Amex Singapore Airlines Business Credit Card

Sources checked on 27.01.2025