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Business Credit Cards

Get the flexibility to pay over time while earning rewards that you can reinvest in your business.

Built-in Benefits
	Gold Delta SkyMiles Business Credit Card	Starwood Preferred Guest® Business Credit Card	SimplyCash® Business Card	New Blue for Business® Credit Card
THE CARD	The airline Credit Card that earns you points you can use toward Delta Award Travel without blackout dates	The travel rewards Credit Card that gets you free nights, free flights with SPG Flights, and more	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
	Get 30,000 miles when you spend $500 in 3 months1	Get 10,000 Starpoints after your first purchase and an additional 15,000 bonus Starpoints when you spend $5,000 in 6 months	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
	Learn More Apply Now Add to Saved Cards	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	Delta SkyMiles® program	Starwood Preferred Guest® program	Cash back	Membership Rewards Express® program
FEATURED BENEFIT(S)	First Checked Bag Free	Free Night Awards and Free Flights through SPG Flights Frequent flyer program transfers	Earn 5% cash back on wireless services and office supplies, 3% cash back on automobile gasoline, and 1% on other purchases.2	Receive an annual Relationship Bonus of 10% more points after your first year, 20% after your second, and 30% each year after
OPEN SAVINGS®	Save 3% to 10% at merchant partners†	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	The option to carry a balance with interest and a spending limit
ANNUAL FEE	$0 introductory annual fee for the first year, then $95	$0 introductory annual fee for the first year, then $65	No annual membership fee	No annual fee

TRAVEL BENEFITS	Gold Delta SkyMiles Business Credit Card	Starwood Preferred Guest® Business Credit Card	SimplyCash® Business Card	New Blue for Business® Credit Card
Coverage for lost, stolen, or damaged checked and carry-on baggage3
24/7 medical, legal, financial, and emergency assistance when you travel4
Guaranteed room reservations5
24/7 help when you're on the road6
Premium benefits	First Checked Bag Free
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.9
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.10
Car Rental Loss and Damage Insurance11	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.12
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 Warranty13	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 Protection14	Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
Travel Accident Insurance15	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	Gold Delta SkyMiles Business Credit Card	Starwood Preferred Guest® Business Credit Card	SimplyCash® Business Card	New Blue for Business® Credit Card
	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards

3Baggage Insurance Plan: American Express® Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
4Global Assist® Hotline: While the many Global Assist® Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
5Guaranteed Room Reservations: Just request an American Express Guaranteed Room Reservation when you make a reservation at a participating hotel or motel — don't forget to ask for a confirmation number. Your room will be held until check-out time the day following your scheduled arrival, or you will be provided with comparable accommodations at no charge.
6Roadside Assistance: The American Express Roadside Assistance Anywhere services are provided as an emergency service and not a general maintenance type service. Only one disablement for the same cause during any consecutive seven-day period will be allowed. Coverage provided for self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, and trucks with a carrying capacity of up to 2 tons. Towing to the nearest authorized facility, or, upon the Cardmember's request, to another location at a maximum towing distance of 10 miles with a maximum of $50 coverage. Fuel provided in emergency situations will be charged to the Cardmember's Card account. Emergency situations do not include: all parts, labor, and supplies provided while at an auto repair shop or service station, towing to another location unless the initial service location is closed, service for taxicabs, tractors, boats, rental vehicles, ambulances, trucks, vehicles used for competition, unlicensed vehicles, illegally parked or impounded vehicles, or any vehicles in tow, rental and towing equipment, towing at the direction of law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law, or towing by other than a licensed service station or garage, installation or removal of snow tires, repairs to studs, mounting and dismounting snow chains, repeated service calls for a vehicle in need of routine maintenance or repair, shoveling snow from around a vehicle, vehicle storage, or impoundment charges. Service is provided in the 48 contiguous United States and Canada. Limit of 4 services per calendar year.
7Event Ticket Protection Plan: Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0974 or Policy ETP-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is not available to residents of New York State.
8Gold Card Events: The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, Business Gold Card, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB. Gold Card Events is not offered to the following (domestic and/or international) Cards that include, but are not limited to, select American Express® Corporate Cards, Optima® Cards, Delta SkyMiles® Credit Cards, American Express Costco Credit Cards, American Express Cash Rebate Cards, Hilton HHonors® Credit Cards or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, Tiger Woods® Credit Cards.
1$500 or more in qualifying purchases on the Card must be completed within 3 months to be awarded the 30,000 bonus miles. The 3 month period is evaluated from the date the Gold Delta SkyMiles Business Credit Card is issued to the date ending 3 months thereafter. Miles will be credited to your account 2-4 weeks after you reach the spend threshold.
2Cash Back: 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.
9 Account Alerts: Refer to your wireless provider for details on messaging rates.
10 Authorize Someone to Manage Your Account: Authorized Account Managers and Agents must be at least 18 years old. Ameriprise financial advisors cannot be designated as Authorized Account Managers.
11 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.
12 Dispute Resolution: Disputes are not always resolved in the Cardmember's favor.
13 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.
14Purchase 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.
15 Travel Accident Insurance: Underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

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.

$99 Companion Certificate: Taxes/fees/restrictions: Companion certificate is valid for one $99 round-trip Coach-Class Companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii and Alaska must originate from there to the 48 contiguous United States. Companion tickets do not include Federal Excise Tax of $3.70, Passenger Facility Charge(s) of up to $4.50, or the September 11th Security Fee of up to $2.50 for each flight segment. For residents of Alaska/Hawaii, for travel to/from Alaska/Hawaii, U.S. International Air Transportation tax of up to $16.20 round-trip applies. $23 fee for 1 checked bag and $32 fee for second checked bag when bags are prepaid during online check-in. $2 surcharge for first bag and $3 surcharge for second bag when checking in via ticket counter, kiosk, or curbside. Allowances subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats available at most fares are limited and may not be available on all flights. Companion tickets are not transferable once issued. Primary ticket and Companion ticket must be purchased with your Gold Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Companion certificate valid for 1 year from certificate issue date; and validity is not based on the calendar year. Redemption is available only on delta.com. All travel must be completed one year from certificate issue date. Certificate terms and conditions may vary each year of Cardmembership. Additional restrictions apply. See Companion Certificate for details.

Taxes/fees/restrictions: Companion Certificate is valid for one $99 round-trip Economy Class Companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii and Alaska must originate from there to the 48 contiguous United States. Companion tickets do not include Federal Excise Tax of $3.70, Passenger Facility Charge(s) of up to $4.50, or the September 11th Security Fee of up to $2.50 for each flight segment. For residents of Alaska/Hawaii, for travel to/from Alaska/Hawaii, U.S. International Air Transportation tax of up to $16.40 round-trip applies. Basic Cardmembers (not Additional Cardmembers) with the Gold Delta SkyMiles Credit Card, Platinum Delta SkyMiles Credit Card, Delta Reserve Credit Card, Gold Delta SkyMiles Business Credit Card, Platinum Delta SkyMiles Business Credit Card, and Delta Reserve for Business Credit Card are eligible to receive the first checked bag fee waiver on Delta and Delta Connection carrier tickets. $32 fee for second checked bag when bags are prepaid during online check-in. $3 surcharge for second bag when checking in via ticket counter, kiosk, or curbside. Allowances subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats available at most fares are limited and may not be available on all flights. Companion tickets are not transferable once issued. Companion Certificate cannot be combined with another offer. Primary ticket and Companion ticket must be purchased with your Gold Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Companion Certificate valid for 1 year from certificate issue date; and validity is not based on the calendar year. Redemption is available only on delta.com. All travel must be completed one year from certificate issue date. Certificate terms and conditions may vary each year of Cardmembership. Additional restrictions apply. See Companion certificate for details.

First Checked Bag Free: Benefit is limited to Basic Cardmembers (not Additional Cardmembers) with the Gold, Platinum or Reserve Delta SkyMiles Business Credit Cards. Reservation must include the Basic Cardmember's SkyMiles number. Fee waiver also available for passengers traveling in the same reservation as the Basic Cardmember. Maximum nine waivers per reservation. New Cardmembers and Cardmembers upgrading from another Delta SkyMiles Credit Card product will be eligible for the checked baggage fee waiver benefit after receiving their Card from American Express. Benefit available only on Delta and Delta Connection carrier flight segments. Waiver does not apply to overweight or oversized bags. Additional terms, conditions and restrictions may apply. See delta.com/firstbagfree for details.

Delta SkyMiles® program: In each year of Cardmembership, your mileage earnings are limited to $100,000 of eligible spending, not including bonuses. However, one mile for every two U.S. dollars of eligible spending on Delta charges will be awarded above this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive bonus miles, Cardmember's account must be active and not in default at time of bonus fulfillment. Balance transfers, Express Cash, Cash Advances, U.S. Savings Bonds transactions, and American Express® Travelers Cheques and Gift Cheques do not earn miles.

Double Miles on Delta Purchases: This offer applies to qualifying Delta, Northwest, Delta Connection® carrier, and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages. In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Credit Cardmembers, unlimited for Platinum Delta SkyMiles Credit Cardmembers) not including bonuses. Bonus miles will be posted to your Delta SkyMiles® account 8 to 12 weeks after the end of each month. All Delta SkyMiles program rules apply. To review the rules, please visit delta.com/skymiles.

Pay with Miles: Program is limited to Gold and Platinum Delta SkyMiles and Delta Reserve Credit Cardmembers, as well as to Gold and Platinum Delta SkyMiles Business Credit Cardmembers and Delta Reserve for Business Credit Cardmembers. New Cardmembers and Cardmembers upgrading from another Delta SkyMiles Credit Card product with a U.S. point of sale address in their SkyMiles account are eligible to use Pay with Miles upon receipt of their new Card. Eligible only on Delta, Northwest, and Delta Connection® carrier flights booked at delta.com under the DL or NW code. Flight will be marked as Pay with Miles eligible. Minimum 10,000 miles for redemption. Pay with Miles tickets are not eligible for mileage accrual, Medallion Complimentary Upgrades, Medallion Segment Qualification, Medallion Qualification Miles, or Best Fare Guarantee. Refundable fares paid for fully or partially with SkyMiles will be refunded in accordance with the Pay with Miles terms and conditions. Redemption requirements may differ based on fare. For terms, conditions, and restrictions, visit delta.com/paywithmiles. All SkyMiles program rules apply. To review the rules, visit delta.com/skymiles.

Award Travel: Taxes and fees for Award Travel are the responsibility of the passenger and must be paid at the time the ticket is booked. Award Travel seats are limited and may not be available on all flights or in all markets.

What can you do with miles?
•Use Pay with Miles at delta.com to pay for all or part of your Delta Air Lines ticket** – every 10,000 miles gets you $100 off the fare, and your Card can cover the rest
•Upgrade your seat on Delta
•Get flights on more than 15 partner airlines‡

** Pay with Miles: Program is limited to Basic (not Additional) Gold and Platinum Delta SkyMiles and Delta Reserve Credit Cardmembers, as well as to Gold and Platinum Delta SkyMiles Business Credit Cardmembers and Delta Reserve for Business Credit Cardmembers. New Cardmembers and Cardmembers upgrading from another Delta SkyMiles Credit Card product with a U.S. point of sale address in their SkyMiles account are eligible to use Pay with Miles upon receipt of their new Card. Eligible only on Delta and Delta Connection® carrier flights booked at delta.com under the DL code. Flight will be marked as Pay with Miles eligible. Minimum 10,000 miles for redemption. Pay with Miles tickets are not eligible for mileage accrual, Medallion Complimentary Upgrades, Medallion Qualification Segments, Medallion Qualification Miles, or Best Fare Guarantee. Medallion Complimentary Upgrades on Pay with Miles tickets are limited to Diamond, Platinum, and Gold Medallion passengers and may not be eligible on all flights. Refundable fares paid for fully or partially with miles will be refunded in accordance with the Pay with Miles terms and conditions. Redemption requirements may differ based on fare. For terms, conditions, and restrictions, visit delta.com/paywithmiles. All SkyMiles program rules apply. To review the rules, visit delta.com/memberguide.

‡ Award Travel: Taxes and fees for Award Travel are the responsibility of the passenger and must be paid at the time the ticket is booked. Award Travel seats are limited and may not be available on all flights or in all markets.

Get a $99 Companion Certificate each year on your anniversary. There are no blackout dates or minimum fare requirements.*

* $99 Companion Certificate: Taxes/fees/restrictions: Companion certificate is valid for one $99 round-trip Coach-Class Companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii and Alaska must originate from there to the 48 contiguous United States. Companion tickets do not include Federal Excise Tax of $3.70, Passenger Facility Charge(s) of up to $4.50, or the September 11th Security Fee of up to $2.50 for each flight segment. For residents of Alaska/Hawaii, for travel to/from Alaska/Hawaii, U.S. International Air Transportation tax of up to $16.20 round-trip applies. $23 fee for 1 checked bag and $32 fee for second checked bag when bags are prepaid during online check-in. $2 surcharge for first bag and $3 surcharge for second bag when checking in via ticket counter, kiosk, or curbside. Allowances subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats available at most fares are limited and may not be available on all flights. Companion tickets are not transferable once issued. Primary ticket and Companion ticket must be purchased with your Gold Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Companion certificate valid for 1 year from certificate issue date; and validity is not based on the calendar year. Redemption is available only on delta.com. All travel must be completed one year from certificate issue date. Certificate terms and conditions may vary each year of Cardmembership. Additional restrictions apply. See Companion Certificate for details.

Benefit is limited to Primary Gold, Platinum, and Reserve Delta SkyMiles Credit Cardmembers and passengers traveling in the Cardmember's reservation (up to nine waivers). First checked bag fee waiver offered only on Delta and Delta Connection carrier flight segments. Waiver does not apply to overweight or oversized bags. Offer subject to terms, conditions and restrictions. See applydeltacard.com for details.

10,000 Starpoints With First Purchase: To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Business Credit Card within one year of Card approval. Bonus Starpoints will appear on your Starwood Preferred Guest member statement 8–12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Business Credit Cardmembers only. You may have more than one Starwood Preferred Guest Business Credit Card account; however, if you have or had any such account you are not eligible to receive bonus Starpoints you may be offered for any other such account.

Starwood Preferred Guest® Program: "Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Interest Charges, Cash Advances (including the use of checks, line activators, automated teller machines or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.

Double Starpoints on Starwood Purchases: You will receive one additional Starpoint for each U.S. dollar of Eligible Spending charged on your Card account at participating Starwood properties, and at standalone retail establishments and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc.

5,000 Bonus Starpoints: 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

SPG® Free Flights: Award Flights include airfare only. Fees, taxes, and terms and conditions vary by airline. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com.

Transfer Starpoints: Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Become a Cardmember and get:
• Up to 5 Starpoints for every eligible dollar spent at SPG hotels & resorts – 2 Starpoints per dollar spent on the Card in addition to the 2 Starpoints you can get as an SPG member. Plus, 1 more Starpoint with SPG Gold or Platinum status.*
• One Starpoint for every eligible dollar spent everywhere else.**
• 10,000 Starpoints with your first purchase.***
• 5,000 bonus Starpoints when you transfer 20,000 to a frequent flyer program.†

What can you do with Starpoints?
• Redeem Starpoints for free nights at over 1,000 hotels and resorts in 93 countries and free flights on over 350 airlines – all with no blackout dates.‡
• Use Starpoints for merchandise at Amazon, Gap, Starbucks, and more.
• Bid on unique experience at SPG Moments.
• Get free travel on Amtrak.

* Starwood Preferred Guest® Program: You will receive two Starpoints® from American Express and two Starpoints (or three Starpoints if you have Starwood Preferred Guest® elite status) from the Starwood Preferred Guest Program for each U.S. dollar of Eligible Spending charged on your Starwood Preferred Guest Credit Card from American Express at participating Starwood properties, stand-alone retail establishments, and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc, and its affiliates. Starwood associates do not receive any additional Starpoints as a Starwood Preferred Guest member for hotel stays and spend. "Eligible Spending" means purchases for goods and services minus returns and other credits. Eligible spending does NOT include: fee or interest charges; balance transfers; cash advances; purchases of American Express® Gift Cards or Travelers Cheques; and purchases of other cash equivalents. American Express reserves the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.

** Eligible Spending: "Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Interest Charges, Cash Advances (including the use of checks, line activators, automated teller machines, or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.

*** First Purchase: To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Business Credit Card within one year of Card approval. Bonus Starpoints will appear on your Starwood Preferred Guest member statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Business Credit Cardmembers only. You may have more than one Starwood Preferred Guest Business Credit Card account; however, if you have or had any such account you are not eligible to receive bonus Starpoints you may be offered for any other such account.

† 5,000 Bonus Starpoints: 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

‡ Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

Transfer Starpoints: Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

Use Starpoints for Free Night Awards at more than 1,000 hotels and resorts,* or free flights on over 350 airlines with SPG® Flights** – all with no blackout dates.

* Starwood Free Night Awards: Free Night Awards apply to standard rooms only as defined by each participating hotel and resort; contact the hotel or resort before booking to check availability.

** SPG® Free Flights: Award Flights include airfare only. Fees, taxes, and terms and conditions vary by airline. For a list of participating airlines, transfer ratios, and full program details, go to www.spg.com.

Transfer Starpoints – on a nearly 1-to-1 basis – to more than 30 frequent flyer programs.* You can even earn 5,000 bonus Starpoints when you transfer 20,000 Starpoints.**

* Transfer Starpoints: 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

** 5,000 Bonus Starpoints: 5,000 Starpoints bonus is awarded only when 20,000 Starpoints are transferred as part of the same transaction and is based on airlines with a 1 Starpoint to 1 mile conversion rate; equivalent bonus will be awarded in accordance with other airline conversion rates.

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.

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.

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.

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.

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.

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