American Express is offering a huge 70,000 Membership Rewards® points bonus for new Business Checking accounts—if you’re lucky enough to be targeted. This is one of the richest checking bonuses Amex has released, and it’s perfect for business owners who can meet the requirements.
Below is a breakdown of the offer, how to qualify, and whether it’s worth it.
💎 What’s on the Table
If you receive this targeted offer, here’s what you can expect:
- Bonus: 70,000 Membership Rewards® points (worth up to around $700 depending on redemption).
- Rate: Earn 1.30% APY on balances up to $500,000.
- Perks: No monthly maintenance fee, 1 MR point per $2 of eligible debit card purchases, and fee-free ATM access through the MoneyPass network.
- Deadline: The targeted promotion is set to expire January 31, 2026.
🛠️ How to Qualify
To earn the 70K bonus, you’ll need to meet all of the following:
| Requirement | Details |
|---|---|
| New Account | Must open a brand-new Amex Business Checking account. Current or previous account holders are not eligible. |
| Deposit | Add at least $15,000 in “new money” within 30 days of opening the account. Transfers from other Amex Business Checking accounts or Membership Rewards redemptions do not count. |
| Balance | Maintain an average balance of $15,000 or more for 60 consecutive days, starting when you first reach the $15,000 funding threshold. |
| Transactions | Complete five qualifying transactions within the first 60 days. These include mobile check deposits, ACH transfers, wire transfers, or online bill payments. Debit card purchases do not count toward this requirement. |
⚠️ Important Details
- This is a targeted offer, meaning you must be invited. Check your American Express online account or email to see if it’s available to you.
- Only “new money” qualifies—internal transfers from other Amex checking accounts or Membership Rewards cash-outs don’t count toward the deposit requirement.
- You won’t qualify if you’ve previously opened an Amex Business Checking account.
💡 Why It’s Worth Considering
For those who can meet the deposit and transaction requirements, this bonus is extremely competitive:
- High value: 70,000 points can be worth $560–$700 when redeemed as a cash deposit or significantly more if transferred to travel partners.
- Low ongoing costs: No monthly fees and a strong APY mean your money keeps working while you meet the bonus terms.
- Business flexibility: The account integrates seamlessly with other Amex products, making it convenient for small-business owners who already use Amex cards.
✅ Bottom Line
If you’re targeted and can comfortably park $15,000 for two months, the Amex Business Checking 70K bonus is one of the most lucrative checking account offers currently available. Make sure to double-check your eligibility before moving funds, and set reminders to complete all required transactions on time.
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