Search US website
  • NEED ADVISE?

  • Answer a few easy questions to find the Card that's right for your business.

  • RATING AND REVIEWS

  • Discover what small business owners are saying about their OPEN cards.

What do you want in a Card?

Check the features you want.

Cards that match will be highlighted.

Reset
OverView

The Power of OPEN

The only person who truly understands your business is you. The hours you put in. The unexpected obstacles. The unexpected opportunities.

So we created American Express OPEN, because we want to be as flexible as you are. We built in the savings, rewards, and tools that businesses like yours rely on. And each American Express OPEN® Card comes with access to the essential benefits and protections only American Express can provide.

Click below to see how OPEN can help you do more for your business.

Financial Flexibility

Pay in full. Pay Over Time. Pay on your own terms.

We've got exactly the right Card for your business.

Need a Charge Card?

Pay in full with no interest* and get purchasing power that can evolve with your business.

COMPARE CHARGE CARDS

Need a Credit Card?

Give your business the option to carry a balance with interest.

COMPARE CREDIT CARDS

Need a Card with Payment Options?

It's your choice each month: pay early and save 1.5%, or defer payment for up to 2 months† with the Plum Card.

LEARN ABOUT THE PLUM CARD
Savings And Rewards

Save big with OPEN® Cards, and fuel your business with smart rewards.

OPEN Savings®

  • Benefit from exclusive partnerships and built-in discounts
  • Save automatically on leading brands when you use your Card with any OPEN Savings partner — from shipping with FedEx to car rentals with Hertz®
  • Enjoy OPEN Savings in addition to any other discounts or promotions*

Travel Advantages

You can keep business travel running smoothly, for less, with flight savings, hotel stays, airline club access and special upgrades.§

COMPARE BUSINESS TRAVEL CARDS

Membership Rewards® program

Reinvest in your business using the points you can earn on eligible purchases. Travel to a conference, treat a client to dinner, or get new office equipment. All with Membership Rewards points. †

COMPARE MEMBERSHIP REWARDS CARDS
Tools For Business

Apps and insights to help you run your business

OPEN is putting the resources your business needs right at your fingertips.

Access special corporate rates to save on flights, hotels and car rentals with BusinessTravel. Manage your business' online reputation and listings with YourBuzz.

The App Center gives you a premium set of digital tools that can help you save time and money, and retain customers.

SEE ALL BUSINESS TOOLS
Advice and Insights

A free forum for connecting with other professionals and getting insights about your business.

OPEN has a broad network of Cardmembers and experts that can help you connect with business owners like you.

  • Explore the OPEN Forum® for exclusive articles and videos featuring industry experts.
  • Create a profile and start connecting with other business owners.
  • Search for OPEN® business owners who may be looking for the goods or services you provide.
Service And Protection

Built-in Benefits of Cardmembership

American Express continues to offer Card members access to protections and services for all OPEN® Cards, including

Purchase Protection,* so you can shop with confidence knowing that eligible purchases can be covered from theft and accidental damage up to $1,000 per occurrence and up to $50,000 per Cardmember account per calendar year.

Fraud Protection Guarantee, making online shopping a more secure experience for Cardmembers

24/7 support, with dedicated OPEN business representatives

So — which OPEN® Card is right for your business?

COMPARE MOST POPULAR CARDS
Cancel

Want to stay in the know?

Receive emails from American Express OPEN®

Just provide your name, business name, zip code, and e-mail in the fields below.
All fields are required.

For information about how we protect your privacy, please read
our Privacy Statement.
Submit
Please enter your first name using letters only.
Please enter your last name using letters only.
Please enter your business name.
The zip code you entered is invalid. Please re-enter your 5-digit zip code.
The e-mail address you entered is not valid. Please enter a valid address using the format joe@sample.com.
The e-mail addresses you supplied do not match.
 
Cancel

Thank you for signing up.

You will now be kept up to date on all of the latest offers and information from American Express OPEN®.
 
Close
 

Compare Cards with Travel Rewards

 

CARDS

Click any Card to learn more. Or add and remove Cards to customize your comparison.

  • Overview
  •

     

    The Business Gold Rewards Card

    Earn 3X points on airfare, 2X points on advertising, gas, and shipping, and 1X points on everything else.*

    For a limited time, earn 5X points on shipping and advertising for the first 3 months of Card membership and 2X points thereafter.

  •

      (976 Reviews)

    Business Platinum Card®

    The Business Charge Card with more than 40 premium benefits designed for better business.

    Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months

  •

      (155 Reviews)

    Gold Delta SkyMiles® Business Credit Card

    An airline Credit Card that earns you miles you can use toward Delta Award Travel without blackout dates.

    Get 30,000 miles when you spend $500 in 3 months Cardmembership.

  •

      (107 Reviews)

    Starwood Preferred Guest® Business Credit Card

    A travel rewards Credit Card that let's you redeem points for free nights, and for flights through SPG Flights.

    Get 10,000 Starpoints after your first purchase and an additional 15,000 bonus Starpoints when you spend $5,000 in 6 months.

REWARDS

Back To Top
  •  
  •
    The Business Gold Rewards Card
  • Business Platinum Card®
  • Gold Delta SkyMiles® Business Credit Card
  • Starwood Preferred Guest® Business Credit Card
  • Rewards for Each Dollar Spent on Purchases

  • 3X points on airfare
    2X points on gas, advertising and shipping
    1X points on everything else

  • 10X points for shopping at membershiprewards.com/earn
    2X points on American Express Travel*
    1X points on everything else

  • 2X miles on Delta purchases*
    1X points on everything else*

  • Up to 5 Starpoints for every dollar spent at SPG hotels & resorts
    1X Starpoints on everything else*

  • Bonus Rewards

  • Earn 3X points on airfare, 2X points on advertising, gas, and shipping, and 1X points on everything else.

  • Up to $200 Airline Fee Credit annually

  • Up to 30,000 bonus miles in first year

  • 10,000 Starpoints after your first purchase and an additional 15,000 bonus Starpoints when you spend $5,000 in 6 months.*

TRAVEL

Back To Top
  •  
  •
    The Business Gold Rewards Card
  • Business Platinum Card®
  • Gold Delta SkyMiles® Business Credit Card
  • Starwood Preferred Guest® Business Credit Card
  • Airport Club Access
  •   
  •  
  •  
  •   
  • Hotel Benefits
  •   

  • guaranteed late checkout, plus breakfast for 2 and room upgrade

  •   

  • Starwood Free Night Awards

  • Guaranteed Room Reservations
  •  
  •  
  •  
  •   
  • Car Rental Benefits
  •   

  • complimentary memberships, upgrades, savings, and priority treatment

  •   
  •   
  • Air Travel Benefits
  •  
  •   
  •  

  • Free Flights through SPG Flights
    Frequent Flyer Program Transfers

  • 24/7 Roadside Assistance
  •  
  •  
  •  
  •   
  • 24/7 Travel Emergency Assistance
  •  
  •  
  •  
  •  

SERVICES

Back To Top
  •  
  •
    The Business Gold Rewards Card
  • Business Platinum Card®
  • Gold Delta SkyMiles® Business Credit Card
  • Starwood Preferred Guest® Business Credit Card
  • Concierge Services
  •   
  •  
  •   
  •   
  • Event Ticket Protection Plan*
  •  
  •  
  •   
  •   
  • Business Services
  •   

  • Platinum Office Program

  •   
  •   
  • Special Seating at Events
  •  
  •  
  •   
  •   

PROTECTION

Back To Top
  •  
  •
    The Business Gold Rewards Card
  • Business Platinum Card®
  • Gold Delta SkyMiles® Business Credit Card
  • Starwood Preferred Guest® Business Credit Card
  • Purchase Protection*

  • Coverage is limited to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

  • Coverage is limited to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

  • Coverage is limited to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

  • Coverage is limited to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

  • Return Protection*

  • 90 days from purchase, up to $300 per item

  • 90 days from purchase, up to $300 per item

  • 90 days from purchase, up to $300 per item

  • 90 days from purchase, up to $300 per item

FINANCIAL

Back To Top
  •  
  •
    The Business Gold Rewards Card
  • Business Platinum Card®
  • Gold Delta SkyMiles® Business Credit Card
  • Starwood Preferred Guest® Business Credit Card
  • Monthly Balance Due in Full
  •  
  •  
  •  
  •  
  • Flexible Payments Over Time
  •  
  •  

  • Can carry a balance with interest and a spending limit

  • Can carry a balance with interest and a spending limit

  • Annual Membership Fee
  •  

    $0 introductory annual fee for the first year, then $175

  •  

    $450

  •  

    $0 introductory annual fee for the first year, then $95

  •  

    Introductory annual fee of $0 for the first year, then $65

  • Cash Advance Fee
  •  
  •  
  •  

    $5 or 3% of the amount

  •  

    $5 or 3% of the amount

  • Foreign Transaction Fee
  •  

    2.7%

  •  

    None

  • 2.7%

  •  

    2.7%

  • Late Payment Fee
  •  

    $35 or 2.99%

  •  

    $35 or 2.99%

  •  

    Up to $35

  •  

    Up to $35

  • Over-the-Credit Limit Fee
  •  
  •  
  •  

    NONE

  •  

    None

  • Returned Payment Fee
  •  

    $35

  •  

    $35

  •   
  •  

    $35

  • APR for Purchases
  •  
  •  
  •  

    15.24%,17.24% or 19.24%

  •  

    15.24%,17.24% or 19.24%

  • APR for Cash Advances
  •  
  •  
  •  

    21.24%

  •  

    21.24%

  • APR for Penalties
  •  
  •  
  •  

    27.24%

  •  

    27.24%

Back To Top
  •  

    • What you get with every Card

    Protection

    You can rely on the coverage you've come to expect from your American Express® Cardmembership, helping to protect your purchases and your identity.

    FOR SHOPPING

      Purchase protection *

    • Can protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. The coverage is limited to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year, and is in EXCESS of other sources of indemnity.

      • Return Protection

    • If a store or vendor won't return an eligible item you purchased with your Card, we may refund your purchase price up to $300 per item (excluding shipping and handling), up to $1,000 per account each year.

      • Extended Warranty *

    • Can extend the terms of the original U.S. manufacturer's warranty for up to 1 additional year on eligible purchases with warranties of 5 years or less, when the purchase is charged to the Card. Coverage is limited to the actual amount charged to your Card for the item or up to $10,000; whichever is less not to exceed up to $50,000 per Cardmember account per calendar year.

    FOR YOUR IDENTITY

      Fraud Protection Guarantee

    • Your Card can make online shopping a more reassuring and secure experience by protecting you against fraudulent use of your American Express Card.

      • Identity Theft Assistance

    • Call us the moment you think your identity may have been stolen. We're here to help you sort things out and create strategies to continue to protect your identity.

      • Dispute Resolution

    • We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying until your case is resolved.

    Business Apps

    The OPEN App Center has powerful tools that can help you improve cash flow, save money, and get and retain customers.

    GET AND RETAIN CUSTOMERS

    • YourBuzz
    • SearchManager
    • AdManager

    IMPROVE CASH FLOW

    • AcceptPay
    • FX International Payments
    • SurePayroll

    SAVE MONEY

    • InsuranceEdge provided by Bolt™
    • BusinessTravel

    OPEN Forum®

    Explore articles and videos featuring industry experts, and ask questions and get advice from other OPEN Cardmembers.

    Support

    American Express offers the tools and the representatives that can help support your business when you need them.

    MANAGING YOUR BUSINESS

      Online Account Management

      We've got the online account tools to help your business run smoothly.

    • Online statements let you easily find receipts, prepare reports to invoice customers, and budget.
    • Your Year-End Summary is a tax-time essential.
    • Account Alerts let you know when payments are due or when accounts reach selected levels.
    • Authorized Access allows you to authorize employees or third parties to manage your account online.

    Signature Cardmember Business Service

    Call 24/7 for one-on-one help, dedicated to small business owners like you. You'll speak with OPEN representatives who understand your business and so will focus on helping you solve your issues.

    Partner Savings

    Cardmembers can enjoy automatic savings and built-in discounts with OPEN Savings®.

    No need to enroll — just use your Card at any OPEN Savings partner. Plus, the savings are in addition to any other discounts or promotions.

    HOTELS

    TRAVEL

    SHIPPING

    TECH

    SUPPLIES AND SERVICES

    GIFTS

    • YourBuzz: Strengthen your online connection with your customers.
    • SearchManager: Manage Google, Yahoo!, Bing™, and Facebook advertising all in one place.
    • AdManager: An end-to-end solution for creating and publishing online display advertising.
    • SurePayroll: Manage your payroll online. Calculate payroll, pay employees and process payroll taxes.
    • AcceptPay®: Accept payments online. Send email invoices. Get paid faster online.
    • FX International Payments: Wire funds internationally, directly from your U.S. business bank account.
    • InsuranceEdgeSM : PROVIDED BY BOLT™Find the right business insurance to meet your business needs.
    • BusinessTravel: Book business travel online. Get low rates. Control employee spending.
    • Hyatt Hotels & Resorts®
      Automatically save 3% on Hyatt's exceptional service and style.
    • Courtyard by Marriott®
      Stay connected, productive, and energized on the road -- and automatically save 5% -- with Marriott® Courtyard.
    • Fairfield Inn & Suites
      Automatically save 5% when you use your OPEN® Card on hotel stays at Fairfield Inn & Suites.
    • SpringHill Suites
      Automatically save 5% when you use your OPEN Card on hotel stays at SpringHill Suites.
    • Residence Inn by Marriott
      Automatically save 5% when you use your OPEN Card on hotel stays at Residence Inn by Marriott.
    • Towne Place Suites
      Automatically save 5% when you use your OPEN Card on hotel stays at Marriott Towne Place.
    • Hertz®
      Automatically save up to 10% on Hertz car rentals. Enjoy complimentary enrollment in Hertz #1 Club Gold®.
    • CAREY
      Automatically save 5% on ground transportation in more than 550 cities and 60 countries.
    • FedEx Express®
      Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 21%.
    • FedEx Ground®
      Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 21%.
    • FedEx Freight
      Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 65%.
    • HP Direct
      Automatically save 5% with HP Direct, on top of all existing HPDirect.com offers.
    • Epson
      Automatically save 5% on products including WorkForce® printers, projectors, and scanners.
    • The Microsoft Store
      Automatically save 5% at microsoftstore.com and at Microsoft Store retail locations.
    • OfficeMax
      Automatically save 5% on purchases of office supplies, ink and toner, furniture, and more.
    • FedEx Office
      Automatically save 5%. Plus, join the FedEx Discount Program and save up to an additional 20%.
    • Iron Mountain
      Automatically save 10% on records storage, shredding, and data protection.
    • Dun & Bradstreet Credibility Corp
      Automatically save 5% on business credit information from Dun & Bradstreet.
    • 1-800 Flowers
      Automatically save 5% on gorgeous bouquets, gourmet food baskets, beautiful plants, and more.
    • Barnes & Noble
      Automatically save 5% when you use your OPEN Card at bn.com.
    Back To Top
    Click a Card to add to your comparison.
    Business Platinum Card®
    Delta Reserve for Business Credit Card
    Platinum Delta SkyMiles® Business Credit Card
    Business Gold Rewards Card
    Business Green Rewards Card
    The Plum Card®
    Gold Delta SkyMiles® Business Credit Card
    Starwood Preferred Guest® Business Credit Card
    TrueEarnings® Business Card from Costco and American Express
    JetBlue Business Card
    Lowe's Business Rewards Card from American Express
    SimplyCash® Business Card
    Business Membership Rewards® Card
    Blue for Business® Credit Card
    Receive Offers and info

    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.

    You can save up to four Cards. Just click any Card to go to its details page. You can also see a side-by-side comparison of your Saved Cards by clicking "Compare Saved Cards".

    See your Saved Cards in a side-by-side benefit comparison

     

    Saved and Recently Viewed Cards

         

    Connect with OPEN

    Get Live Help Finding a Card
    • Schedule a phone call

      * - Mandatory field

      When should we call?

      We also may use your information to contact you about products and services. For information about how we protect your privacy, please read our   Privacy Statement
      Contact me

    • Or Call 1-800-519-OPEN (6736)

    Learn
    More
    Call 1-800-519-OPEN
     
    Choose the Cards you would like to compare by clicking the "Save to Compare" checkbox on each Card product page.