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Cash Back Cards

Get cash back on virtually all your business purchases.

 

The Plum Card®

 

SimplyCash® Business Card

 

TrueEarnings® Business Card from Costco and American Express

 
THE CARD

 The Charge Card that gives your business payment flexibility each month 

 The premier cash back Credit Card with no annual membership fee 

 The Credit Card that works with your Costco membership to earn you cash back 

 Get a 1.5% discount when you pay within 10 days of your statement closing date.1

 Get unlimited cash back on business purchases you’re already making 

 Get 2 memberships in 1 with your paid Costco membership 2

Learn More Apply Now Add to Saved Cards
Learn More Apply Now Add to Saved Cards
Learn More Apply Now Add to Saved Cards
REWARDS PROGRAM

Trade terms

Cash back

Cash back
FEATURED BENEFIT(S)

Early Pay Discount

OR, Defer Pay Option

Set your statement closing date

Earn 5% cash back on wireless services and office supplies, 3% cash back on automobile gasoline, and 1% on other purchases.3

4% cash back for gas, 2% at restaurants, 2% for travel, and 1% everywhere else, including Costco
OPEN SAVINGS®

Save 3% to 10% at merchant partners†

Save 3% to 10% at merchant partners†

Save 3% to 10% at merchant partners†
PAYMENT TERMS

Choose to pay early and get a discount, OR defer payment without interest

The option to carry a balance with interest and a spending limit

The option to carry a balance with interest and a spending limit
ANNUAL FEE

$0 introductory annual fee for the first year, then $185

No annual membership fee

No annual fee with your paid Costco membership

TRAVEL BENEFITS

The Plum Card®

SimplyCash® Business Card

TrueEarnings® Business Card from Costco and American Express

Coverage for lost, stolen, or damaged checked and carry-on baggage4
24/7 medical, legal, financial, and emergency assistance when you travel5
24/7 help when you're on the road7
 

SPECIAL ACCESS

The Plum Card®

SimplyCash® Business Card

TrueEarnings® Business Card from Costco and American Express

Event ticket reimbursement if you can't attend8
  

Built-in Benefits
Account Alerts
 Avoid late payments, be notified of irregular activity, monitor Employee Card spending, and more. Have them sent to your e-mail or mobile device.10
Authorize Someone to Manage Your Account
 Choose from two levels of access when giving someone the authority to help you manage your account(s) online.11
Car Rental Loss and Damage Insurance12
 Get coverage for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for an auto rental.
Dispute Resolution
 If you do not recognize a charge on your statement, we'll investigate it, and you will not be responsible for paying the charge while we do.13
Emergency Card Replacement
 Get a replacement in as little as 24 hours. Just call or visit one of more than 2,200 American Express Travel Services locations worldwide. Not all services available at all locations.
Extended Warranty14
 Extends the term of the original manufacturer's warranty up to one additional year on eligible purchases with warranties of five years or less that are eligible in the U.S.
Fraud Protection Guarantee
 Protects you against unauthorized charges that appear on your statement. In most cases, a temporary credit will be issued immediately.
Identity Theft Assistance
 Call 24/7 for help determining if you are the victim of identity theft. We can also recommend steps for recovery and ways to protect yourself going forward.
Online Statement
 Easily find receipts, prepare reports to invoice customers, organize for tax season, and budget for the future — all in one place.
Purchase Protection15
 Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
Travel Accident Insurance16
 Covers you and your dependents against accidental death and dismemberment when traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.
Year-End Summary
 Organizes your charges by month and spend category.
 
THE CARD

The Plum Card®

SimplyCash® Business Card

TrueEarnings® Business Card from Costco and American Express

Learn More Apply Now Add to Saved Cards
Learn More Apply Now Add to Saved Cards
Learn More Apply Now Add to Saved Cards
Sign Up For Offers
  • Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

    * OPEN Savings®: Savings range from 3% to 10%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.
  • Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

    * OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.
  • OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.
  • Choose how you want to pay, from month to month.
    • Pay your full balance within 10 days and earn a 1.5% discount, OR
    • Pay 10% and take up to 2 months to pay the balance without interest

    Select when your monthly billing cycle ends.
    • Choose the beginning, middle, or end of each month
  • Pay your full balance within 10 days of your statement closing date and get a 1.5% discount on virtually all of that month's purchases.*

    * Early Pay Discount: Pay your balance in full within 10 days of the statement closing date and get a 1.5% discount on virtually all purchases made that month. The discount will appear as a credit on the following billing statement.
  • Pay 10% of your balance by your statement closing date and take up to 2 months to pay the rest without interest.*

    * Defer Pay Option: If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment or amounts past due by the ""Please Pay By Date"" on that statement, you may defer payment of the remainder of that balance until the closing date of your next billing cycle without penalty.
  • Select when your billing cycle ends — at the beginning, middle, or end of each month.
  • Early Pay Discount: Pay your balance in full within 10 days of the statement closing date and get a 1.5% discount on eligible purchases made that month. The discount will appear as a credit on the following billing statement.
  • Defer Pay Option: If you pay at least 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred payment or amounts past due by the "Please Pay By Date" on that statement, you may defer payment of the remainder of that balance until the closing date of your next billing cycle without penalty.
  • OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.
  • Cash Back: There is no limit to the amount of cash rewards you can earn. You will receive a Rebate of 5% for Purchases of wireless telephone services and office supplies and equipment, and a Rebate of 3% for Purchases of automobile gasoline (any individual Purchase transaction in excess of 75 gallons or equivalent dollar value will not be deemed to be a Purchase of automobile gasoline), except that the Rebate for 3% for Purchases will be 1% for automobile gasoline Purchases in excess of $12,000 in any calendar year. You will receive a Rebate of 1% for all other Purchases. Important: You will receive a 5% or 3% Rebate only if the merchant is not a warehouse club, superstore, supermarket, or convenience store that sells automobile gasoline, and only if the merchant submits the Charge under the appropriate merchant code, industry code, and required service or product identifier established by us and the merchant. Otherwise, you will receive a Rebate of 1%. You will not receive a Rebate for balances transferred from other accounts, purchases of American Express® Travelers Cheques or American Express® Gift Cheques, fees, Finance Charges, Cash Advances, and similar means of accessing your Card Account. Additional terms and conditions apply.
  • OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.
  • Cash back is earned based on how you use your card.
    • 5% cash back when you pay for wireless services and office supplies1
    • 3% on automobile gasoline1
    • 1% on other purchases

    1 There is no limit to the amount of cash back you can earn. Monthly rebates on the amount of your eligible purchases (net of credits for purchases) are based on the following structure: You will earn a rebate of 5% on eligible purchases made in the United States from wireless telephone service providers and office supply specialty retailers. Rebates for eligible purchases from wireless telephone service providers and office supply specialty retailers will be limited to the first $12,000 of eligible purchases in each of these categories during the 12 months in a row beginning with the one in which the anniversary of your Card Account occurs (rebate year). Instead of a 5% rebate, you will earn a rebate of 1% for eligible purchases at wireless telephone services providers in excess of $12,000 in any rebate year; office supply specialty retailers in excess of $12,000 in any rebate year; and superstores or warehouse clubs. You will earn a rebate of 3% on eligible purchases of automobile gasoline at stand-alone gas stations in the United States, and such rebate will be limited to the first $12,000 of eligible purchases in each rebate year. Instead of a 3% rebate, you will earn a rebate of 1% for automobile gasoline purchases over $12,000 in any rebate year; automobile gasoline purchases at superstores or warehouse clubs; and any individual purchase of gasoline over 75 gallons (or its cash equivalent). You will earn a rebate of 1% on all other eligible purchases. Eligible purchases do not include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You will not receive a rebate of 3% or 5% if a merchant does not submit the purchase using the correct industry code or merchant code that we designate. A merchant with more than one location may submit purchases using different codes. This means that purchases at some locations would receive a higher rebate, while purchases at other locations of the same merchant would receive a lower or no rebate. Additional terms and conditions apply.
  • Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

    * OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.
  • Annual Fee: $0 for the first year, then $50 -- except that the annual fee will be $0 if you charge at least $20,000 in eligible purchases on the SimplyCash Card in the immediately preceding year. Eligible purchases are net of credits for purchases and include all purchases made with the card with the exception of Balance Transfers, Travelers Cheques, Gift Cheques, Fees, Finance Charges, Purchases made outside the USA, Cash Advances and similar means of accessing your card accounts.
  • Cash Back: Each Eligible Purchase on your TrueEarnings® Business Card from Costco and American Express shall earn a Reward of 1, 2, or 4% of the purchase amount as follows: 4% on the first $6,000 in eligible purchases each annual reward period (1% thereafter) of gasoline (individual purchases of 75 gallons or less) at Costco and domestic stand-alone gas stations (excluding superstores, supermarkets, convenience stores, and warehouse clubs other than Costco); 2% on eligible purchases at restaurants; 2% on eligible travel purchases from airlines, hotels, car rental companies, cruise lines, travel agencies and tour operators; and 1% on all other eligible purchases, including at Costco. Eligible purchases are purchases of goods or services minus returns and credits, and do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of any cash equivalents. Reward is distributed annually in the form of a reward coupon on a billing statement, redeemable for merchandise or cash at any U.S. Costco Warehouse. Coupon must be redeemed in person prior to its expiration date of August 31st in the year in which it is issued. Additional terms and conditions apply. See Cardmember Agreement for full terms and conditions.
  • OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.
  • How do you earn cash back?
    • 4% cash back for annual gasoline purchases up to $6,000 per year, and 1% thereafter
    • 2% at restaurants
    • 2% for travel
    • 1% everywhere else, including Costco
  • Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

    * OPEN Savings®: Savings range from 3% to 10%.Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account.If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account.Please review your monthly Cardmember statement in order to confirm proper crediting of returns.If you believe that returns have not been properly credited to your account, please call the number on the back of your Card.Other restrictions or limitations may apply.Subject to offer terms and conditions located at open.com/opensavings.Merchant participation and offers are subject to change without notice.

    • All users of our online services subject to Privacy Statement and agree to be bound by Terms of Service. Please read.

    © 2012 American Express Company. All rights reserved.

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