Comparison
American Express Business vs Pleo
A side-by-side look at American Express Business and Pleo — pricing, regions, integrations, pros and cons. Use the recommender if you'd rather have an AI pick for you.
American Express Business
Business cards with industry-leading rewards.
American Express offers a broad portfolio of charge and credit cards for US and international businesses — from Blue Business Plus to The Business Platinum.
Pleo
Smart company cards for European teams.
Pleo is Europe's leading spend management platform, pairing physical and virtual cards with automated expense reports, invoice management and accounting integrations across 30+ EU/UK markets.
Side-by-side
| Spec | American Express Business | Pleo |
|---|---|---|
| Tagline | Business cards with industry-leading rewards. | Smart company cards for European teams. |
| Headquarters | New York, USA | Copenhagen, Denmark |
| Founded | 1850 | 2015 |
| Regions | US, Global | EU, UK |
| Card type | Charge + credit | Prepaid + credit (market dependent) |
| Pricing | From $0 to $695/yr. | Starter free up to 3 users; Essential €45/mo; Advanced €89/mo; Beyond custom. |
| Rewards | Membership Rewards, 5x on travel, 4x on dining. | 1% cashback on Advanced+ in select markets. |
| Best for | SMBs, Mid-market, Travel-heavy businesses | European SMBs, Distributed teams, Companies using Xero/QuickBooks EU |
| Integrations | QuickBooks, Xero, NetSuite, SAP Concur | Xero, QuickBooks, Sage, Datev, Economic, Visma |
American Express Business: pros & cons
- Best rewards in market
- Strong protections
- Acceptance gaps vs Visa/MC
Pleo: pros & cons
- Strong European footprint
- Best-in-class UX
- Local accounting integrations
- Per-user pricing adds up
- Limited US presence