American Express
Carta Oro Business American Express
Carta Oro Business American Express is an Italian business payment card for professionals, entrepreneurs, and companies that want to manage business expenses, earn Membership Rewards points, access travel benefits, use supplementary cards, and improve cash-flow flexibility with deferred payment features.
Highlights
Main benefits
- Designed for business owners, professionals, and companies in Italy
- Earn Membership Rewards points on eligible business spending
- 1 Membership Rewards point per €1 spent on eligible purchases
- Up to 51 days to pay eligible business expenses
- Supplementary cards available for employees and collaborators
- Free Membership Rewards enrolment may be included
- Annual travel voucher may be available
- Travel insurance and assistance benefits may be included
- Useful for business travel and professional purchases
- Helps separate personal and business expenses
- Premium American Express business service experience
- Suitable for managing company spending and employee expenses
Fees
Fees and charges
Joining fee
€0 first-year fee
Renewal fee
€17/month from the second year
Annual fee waiver
First-year fee may be waived for eligible new cardholders
No standard ongoing annual fee waiver
Who can apply
Eligibility
- Applicant should represent an eligible business, professional activity, or company in Italy
- Applicant should have a valid Italian business or professional bank account accepted by American Express Italy
- Applicant should meet American Express business and financial assessment requirements
- Business and personal identity details may be required during application
- Application approval depends on American Express review
Checklist
Documents required
- Valid official identity document of the applicant or company representative
- Italian tax code or fiscal code
- Business registration or professional activity details
- Company or professional address details
- Business bank account details or IBAN
- Financial, turnover, or business activity information
- Additional documents requested during application review
Process
How to apply
1. Visit the American Express Italy business cards website
2. Open the Carta Oro Business American Express page
3. Select the apply option
4. Enter business, personal, and contact details
5. Provide business bank account details and requested documents
6. Review the card fee, rewards, payment flexibility, and business benefits
7. Submit the online application
8. Complete any identity, company, or document verification requested by American Express
9. Activate the card after approval and delivery
Value
Reward and cashback structure
Reward rate
1 Membership Rewards point per €1 spent on eligible purchases
Points can be redeemed for travel, shopping, statement credit, gift cards, and partner rewards
Supplementary cards can help earn points on employee business spending
Cashback
No direct fixed cashback rate
Points can be redeemed for statement credit or rewards depending on redemption option
Best value usually comes from Membership Rewards and partner redemptions
Good fit
Pros
- Strong business rewards card for Italy
- Earns Membership Rewards points on professional spending
- Useful payment flexibility for business cash flow
- Good for freelancers, entrepreneurs, and companies
- Supplementary cards can support employee spending
- Useful for business travel and expense management
- First-year fee offer improves starting value
- Travel voucher can add extra value
- Premium American Express service experience
- Better business benefits than basic consumer cards
Watchouts
Cons
- Monthly fee applies from the second year
- No direct fixed cashback rate
- American Express acceptance is lower than Visa and Mastercard in some places
- No standard unlimited complimentary airport lounge access
- Not ideal for businesses wanting a free card forever
- Best value depends on regular business spending
- Application may require business and financial documentation
- Some benefits may be less useful for very small or low-spend businesses
Related
Related cards
Compare
Compare Cards
| Field | Carta Oro Business American Express | Blu American Express |
|---|---|---|
| Bank/provider | American Express | American Express |
| Joining fee | €0 first-year fee | €0 first-year fee |
| Renewal fee | €17/month from the second year | €35/year from the second year |
| Best for |
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| Reward rate |
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| Cashback |
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| Lounge access |
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| Fuel surcharge waiver | Not available | Not available |
| Welcome benefit |
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| Annual fee waiver condition |
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| Eligibility |
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| Apply link | Apply Now | Apply Now |