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No Annual Fee Business Credit Cards

Enjoy the many benefits of membership with no annual fee.

 

SimplyCash® Business Card

 

New Blue for Business® Credit Card

 

Lowe's Business Rewards Credit Card

 

THE CARD

 The premier cash back Credit Card with no annual membership fee 

 The no-annual-fee Business Credit Card that can earn you unlimited Membership Rewards® points and earn up to 30% more points with an annual Relationship Bonus 

 The no annual fee Business Credit Card that can get you rewards on all your purchases at Lowe's and everywhere American Express is accepted  

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

 Get a low introductory APR for up to 12 months and a Welcome Bonus of 10,000 points 

 Get double points1 and 5% off at Lowe's 2 every day.

REWARDS PROGRAM

Cash back

Membership Rewards Express® program

Lowe's Business Rewards program

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

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

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

No annual membership fee

No annual fee

No annual fee

TRAVEL BENEFITS

SimplyCash® Business Card

New Blue for Business® Credit Card

Lowe's Business Rewards Credit Card

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

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

SimplyCash® Business Card

New Blue for Business® Credit Card

Lowe's Business Rewards Credit Card

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.
  • 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.
  • Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
  • You will receive a relationship bonus in the form of Membership Rewards® bonus points for eligible purchases made using your Blue for Business® Credit Card. The number of Membership Rewards bonus points you receive will equal a percentage of total purchases charged to your Card account during an anniversary year as follows: a 10% bonus for your first anniversary year; a 20% bonus for your second anniversary year; and a 30% bonus for your third anniversary year and for each year thereafter. Your relationship bonus will be posted to your Membership Rewards account no later than the billing statement following the anniversary of your Card account.  Your account must be in good standing to receive your relationship bonus each anniversary year. An anniversary year is 12 billing periods in a row, beginning with the one in which the anniversary of your Card account occurs. Eligible purchases are purchases for goods and services, and do not include fees or interest charges, balance transfers or cash advances. Membership Rewards program terms and conditions apply; see membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276). We reserve the right to change the terms of this relationship bonus program at our discretion.
  • 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.
  • 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.
  • How do you earn points?
    • 1X point for every eligible dollar you spend on purchases — there is no limit to the number of points you can earn and no expiration date*
    • 2X points when you book with American Express Travel
    • Up to 10X points every day when you shop over 300 brands at membershiprewards.com/earn **

    What can you do with points?
    Reinvest in your business
    • Advertise your business online – Redeem points for Facebook advertising credits.
    • Use Everyday Charges to offset business expenses such as office supplies, mobile, shipping, and more
    Reward your employees and clients
    • Recognize employees — Redeem points for gift cards at hundreds of retailers such as Barnes and Noble, The Cheesecake Factory, and Pottery Barn.
    • Entertain your clients by using points at Ticketmaster to purchase tickets for concerts, theater, sports, and more.
    Reward yourself
    • Give yourself a little bonus and redeem for gift cards or at top online retailers
    • Use Pay with Points® to fly any airline, any time, with no blackout dates†

    * Membership Rewards Express® program: Terms and Conditions for the Membership Rewards Express® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

    ** membershiprewards.com/earn: To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program ("Program") at the time of purchase and you must charge your qualifying purchase on an eligible, enrolled American Express® Card. Additional terms and conditions apply at membershiprewards.com/earn.

    † Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards Express® program-enrolled Card account you designate will be charged for your purchase. Membership Rewards Express® points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards Express® program apply and are available at membershiprewards.com/terms.
  • Membership Rewards Express® program: Terms and Conditions for the Membership Rewards Express program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.
  • Bonus Points Mall®: To be eligible to earn bonus points in the Bonus Points Mall website, you must be a U.S. Cardmember and enrolled in the Membership Rewards Express® program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditions apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your program account within 6–8 weeks after charges appear on your billing statement. Bonus ID 1935.
  • Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards Express® program–enrolled Card account you designate will be charged for your purchase. Membership Rewards Express® points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards Express® program apply and are available at membershiprewards.com/terms.
  • Redeeming Lowe's Business Rewards Points: Rewards points can be redeemed for gift cards, including Lowe's® Gift Cards and American Express® Gift Cards. Some restrictions regarding merchant acceptance will apply to the gift card. Gift cards are for use within the United States only and cannot be used at car rentals, cruise lines, casinos, ATMs, or for recurring billing purchases (cellular phone service, subscriptions, etc.). Usage restrictions also apply for international airlines. Additional restrictions apply.
  • Earning Lowe's Business Rewards Points: You will accrue one (1) point for each U.S. dollar of eligible purchases on your Business Card Account. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks, and cash advances), Interest Charges, fees, and purchase credit adjustments do not earn points. You will accrue two (2) points for each U.S. dollar of Eligible Spending charged on your Card Account for Lowe's purchases and three (3) points on purchases at restaurants, and purchases of wireless telephone services, and office supplies, in each case not purchased at warehouse clubs, superstores or supermarkets. The accrual of points is dependent upon merchants submitting charges under the appropriate merchant code, industry code and required service or product identifier.
  • 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 get points?*
    • Get 3 points for every dollar you spend at restaurants, office supply stores, and on wireless service.
    • Get 2 points for every dollar spent at Lowe's.
    • Get 1 point per dollar spent virtually everywhere else.

    • What can you do with points?**
      Redeem points for gift and rewards cards.
    • Lowe's® Gift Card: Starting at 2,500 points
    • American Express® Gift Card: Starting at 3,500 points
    • Gas Rewards Card: Starting at 2,500 points
    • Outdoor Rewards Card: Starting at 2,500 points


    Receiving Lowe's Business Rewards Points: For each U.S. dollar spent using the Lowe's Business Rewards Card from American Expres, get : three (3) points at restaurants, office supply stores and with wireless service providers; two (2) points for purchases at Lowe's; and one (1) point for all other purchases. Cash and cash equivalent transactions (including balance transfers, convenience checks, cash advances and purchases of American Express Gift Cards or Travelers Cheques), fees or interest charges, purchase of points, and purchase credit adjustments do not earn points. The number of points received depends on merchants submitting charges under the appropriate merchant or industry codes. Forfeiture rules for late payment and default apply.

  • **  See open.com/lowesrewards or call 1-866-537-1397 for terms and conditions that apply to individual gift cards and reward cards.
    • Turn Lowe's Business Rewards points into:*
    • Lowe's® Gift Cards
    • American Express® Gift Cards
    • Gas Rewards Cards — good at virtually every gas station that accepts the American Express® Card
    • Outdoor Rewards Cards — good at L.L. Bean, Cabela's®, Austad's Golf, and Bass Pro Shops®

  • * See open.com/lowesrewards or call 1-866-537-1397 for terms and conditions that apply to individual gift cards and reward cards.
  • 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.
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