American Express Business Edge Card

An excellent card for more Marriott points if you already have the Cobalt


in free travel after $5,000 in 3 months

The American Express Business Edge Card is an option for those who already have the Cobalt Card (it’s the business version of the Cobalt).

As long as you earn any type of independent income (reselling merchandise for example), you are eligible by entering your full name as the business name on the application.

This will give you another Marriott welcome bonus if you are able to reach the higher minimum spend.

You could get up to 10 free nights with the Welcome Bonus alone if you maximize it and use the Marriott points well. The earn rate is also great, albeit lower than the Cobalt Card for some categories (and higher for others).

During the first year, you can also earn another bonus of 1,000 points per month if you spend $3,000 in the month but we don’t recommend that and haven’t included it in our Flytrippers Valuation of the welcome bonus.

Welcome bonus of 45,000 Amex Select points
≈ $486 (estimated value 1.08¢/pt)

Accumulation of 10,000 points with the $5,000 minimum spend
≈ $108 (a blended 50/50 earn rate from base earn rate and multiplier)

Card fee
= $99 (deducted from the total free travel)

Total of ≈ $495 of free travel
(or minimum value of $451 as fixed-value travel credit)

+ all points earned with your regular purchases

Here is the points earn rate:

  • 1 pt (≈ 1.08%) per $ everywhere
  • 3 pts (≈ 3.24%) per $ on eats, drinks, gas, rides, office supplies, and electronics (and all stores that sell gift cards at in these locations)

Amex Select points are hybrid points: they can be used as variable-value points or as fixed-value points.

Variable-value uses offer more potential value, while fixed-value uses are a lot simpler.

As fixed-value travel credit, your 55,000 points give you a simple $550 credit applicable to any travel expense. It “erases” the expense. It’s the simplest type of point that exists.

As variable-value points, you have 2 options:

  • the Amex fixed-point flight chart
  • transfer to Marriott or Hilton

The Cobalt’s Select Points are different than the Amex points earned on the Gold and Platinum cards. They can not be transferred to Aeroplan, Avios, Delta and other airlines.

They can only be transferred to Marriott (recommended) and Hilton (not often recommended). Your 55,000 points will give you 66,000 Marriott points, enough for 10 nights in certain hotels!

Amex Select points can also be used via American Express’ fixed-price award chart directly. Especially valuable for flights that are expensive in cash.

More details about Amex Select points coming soon in the new travel rewards section.

Car rental insurance
Purchase protection
Extended warranty

No medical travel insurance
No trip cancelation insurance
No trip interruption insurance
No flight delay insurance
No baggage & personal effects insurance
No hotel burglary insurance

Amex Business Edge Card

Offer Summary
  • ≈ $495 in free travel
  • Variable-Value Points (and transferable)
  • Great earn rates & free supplementary cards
  • Limited insurance (rental car & retail protections)
  • Any independent income qualifies you
  • No minimum income required
  • Minimum spend of $5,000 to reach
  • Additional monthly bonus available
  • Certain conditions apply*

Start getting travel rewards with the Amex Business Edge Card now

via Amex secure application

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