Frequently Asked Questions About American Express Corporate Cards

How Can American Express Help Me Manage Business & Travel Expenses for My Organization?

American Express has several solutions that can help you manage the corporate T&E expenses for your organization.
The American Express® Corporate Card program is a great option for managing T&E expenses. Corporate Cards are eligible for enrollment in the Membership Rewards® program, where you can redeem points toward travel and entertainment.

The Corporate Card program provides access to benefits like Business Travel Accident Insuranceand Baggage Insurance Planas well as access to one of the largest travel services network, where professionals can help you with nearly everything from buying airline tickets to reserving hotel accommodations.

In addition, the Corporate Gold Card and Corporate Platinum Card® offer additional benefits and business travel savings through various programs and Card privileges.

Another solution is the Business Travel Account (BTA). The BTA is an easy-to-use and effective tool for managing your corporate travel expenses. Your company to charge business travel expenses for infrequent travelers, consultants, job candidates, and even large groups traveling on company business can use it. The travel agency that your company designates facilitates its use.

With the BTA you can improve control by consolidating all your travel expenditures and ensuring your business travelers use only preferred suppliers and comply with the travel policy set by your company. In addition, the BTA helps save time and money by discontinuing the processing of multiple invoices and improving spend visibility to assist with supplier negotiations.

To learn more about these solutions, contact us and an American Express representative will discuss your specific business needs and help determine the payment solution that is right for your company.

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How Can Corporate or Commercial Cards Help Me Manage Employee Business Expenses?

Using an American Express® Corporate Card for business expenses can benefit both you and your employees. It removes the necessity of cash advances for employees and they no longer have to charge work-related expenses to their personal card and try to keep it segregated from their personal charges.

The American Express Corporate Card Program provides benefits to companies as well. Used in lieu of cash, Corporate Cards help employers reduce the money they have tied up in working capital and improve cash flow management. Substituted for traditional invoicing, Cards help reduce the time it takes to process invoices and cut cheques for employee expense reimbursement, thus driving down transaction costs. An American Express Corporate Card program can also be used to extend a company's payables, which helps reduce cash tied up in working capital.

Corporate Cards can also help you control costs by allowing the company to set spending limits on individual Cards. American Express also offers several reporting features, such as Standard Expense Reporting  and American Express @ Work® Reporting. These online tools can help you to track and analyze expenditures, grouping and reporting expenses by department or project. These online tools also help make it easy to track and manage spending.

In some cases, using a Corporate Card for everyday purchases can help companies negotiate more favourable prices from vendors. Getting paid with a charge card frees vendors from worrying if or when they'll get paid, which may give them the confidence to offer discounts on their goods or services.

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How Can Corporate or Commercial Cards Help Me Control Employee Spending?

With an American Express® Corporate Card program, your company can establish clear travel policies detailing which expenses are covered, and also establish spending limits for each employee. Your company can also control non-travel and entertainment expenses by creating clear guidelines for preferred vendors and approved expenditure categories. In addition, managers have online access to view corporate spending in near real-time, as well as overall reports.

The American Express® Corporate Purchasing Card is an alternative to a Corporate Card program. With a Corporate Purchasing Card, you can set spending limits at the supplier, industry, commodity, transaction, and employee levels.

Plus, with Buyer Initiated Payments, you can set up an electronic payment solution that that lets you control payment timing and administrative rights.

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How Can I Streamline My Reconciliation Process?

Commercial cards streamline accounts payable through the reduction of business invoices and checques, ultimately driving paper out of the process. Purchasing and payments are easy whether for a meeting, consulting services, office supplies, or other key commodities. However, with that convenience comes the challenge of data capture and credit card reconciliation.

Using the American Express® Corporate Account Reconciliation (CAR) tool, you can efficiently manage the accounting allocation and reconciliation process, automatically integrate your spend data into your company's back-end financial systems and help gain visibility for different types of spend. CAR is seamlessly integrated with the American Express @ Work® solution, which provides you with added functionality to consolidate spend data from multiple programs for added efficiency and reporting power.

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How Can I Better Manage Employee Travel Expenses?

The American Express Corporate Card program is a great option for managing T&E expenses. Corporate Cards are eligible for enrolment in the Membership Rewards® program, where you can redeem points toward travel and entertainment.

The Corporate Card program provides access to benefits like Business Travel Accident Insurance and Baggage Insurance Plan, as well as access to one of the world's largest travel services network, where professionals can help you with everything from buying airline tickets to reserving hotel accommodations.

In addition, the Executive Corporate Card and Corporate Platinum Card® offer additional travel and entertainment savings through various programs and Card privileges.

Another easy-to-use and effective tool for managing employee travel expenses is the Business Travel Account (BTA). Your company to cover business travel expenses for infrequent travelers, consultants, job candidates, and even large groups can use BTA. Your company’s designated travel agency can also use it.

With the BTA you can maximize control by consolidating all your travel expenditures and ensuring your travelers use only preferred suppliers and comply with the travel policy set by your company. In addition, the BTA helps save time and money by discontinuing the processing.

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Who Should I Call if I Have Questions?

Cardmembers can call 1-800-716-6661 or the number on the back of their Card. They can also visit the Contact Us page within the Customer Centre for relevant numbers and email addresses to address their questions and issues.

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Can I View Cardmember Accounts Online?

Cardmember account information including charges, transactions and balances is available through @ Work, American Express’ online account management system. If you would like access, please speak to your Account Representative in order to be set up or visit the Management Tools page for more information about @ Work.

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Can I enrol my Corporate Card in the Membership Rewards program?

Yes, provided your Company allows it. Please talk to your Program Administrator to find out if your Company allows Membership Rewards enrollment. You will earn points automatically whenever you use your Card once you opt-in to participate. Just call American Express Customer Service at 1-800-716-6661 to enroll.

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