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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
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The Card at a glance

The Business Gold Rewards Card offers you the features you need to help build your business:

  • For a limited time, earn 5X points on shipping and advertising during the first 3 months of Card membership, then 2X points thereafter.
  • Peace of mind with protection and exceptional service
  • Tools engineered to help you stay productive virtually anywhere, anytime
  • $0 introductory annual fee for the first year, then $175

EARN POINTS FASTER

Enjoy an accelerated rewards program offering points on everything you buy for your business

ADDITIONAL CARDS

Introductory annual fee for Additional Gold Cards in the first year is $0; then, $50 for the first Additional Gold Card and no fee for other Additional Cards

BUILT-IN SUPPORT

Get the service and protection you need to keep your business moving forward

Click to view: Rates and Fees
Benefits and Terms

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Designed for businesses to earn points faster

Turn expenses into opportunities with points on essential purchases.

3X points on airfare

2X points on advertising, gas, and shipping

1Xpoints on everything else

  • There's no limit on the number of points you can earn and points don't expire.

Use your points to do more for your business, your team, or yourself:

  • Offset core business expenses like advertising, shipping, office supplies, annual Card fees, and more.
  • Thank your employees with travel, events, or gift cards.
  • Use points to purchase ads on Facebook.
  • Use Pay with Points to fly any airline, anytime with no blackout dates or seat restrictions when booking through the OPEN Travel site.
Drag the slider to calculate points
Monthly Expenses$30,000
Yearly points
360,000

Remember, the more you spend, the more points you can earn.

Reward your best employees.

$350 Financial Advisors Certificate from Ameriprise Financial Services, Inc.:

30,000 points

*Participating partners and available rewards are subject to change without notice.

Increase your accessibility and productivity.

Sprint BlackBerry® Pearl(TM) 8130 Smartphone:

58,000 points

*Participating partners and available rewards are subject to change without notice.

Organize your office.

A Fresh Start — 6 hours with a professional organizer in your office:

150,000 points

*Participating partners and available rewards are subject to change without notice.

Reward yourself.

Hilton Grand Vacations Club Package at Waikoloa Beach Resort®, 5 Days/4 Nights, 2 Bedrooms:

270,000 points

*Participating partners and available rewards are subject to change without notice.

Treat employees with a well-deserved break

Miele Nespress™ Capsule Coffee System

410,000 points

*Participating partners and available rewards are subject to change without notice.

Thank clients or reward employees

Lake Austin 3-Night Spa Refresher for 2

550,000 points

*Participating partners and available rewards are subject to change without notice.

Upgrade your conference room

Sony® 65" BRAVIA® W Series LCD TV

757,000 points

*Participating partners and available rewards are subject to change without notice.

Upgrade your office with leading technology

2 Apple® MacBook Pro Laptops, 17" Widescreen, 2.8GHz Intel Core Duo

864,000 points

*Participating partners and available rewards are subject to change without notice.

Reward yourself

7-Night Ultimate Package for 2 at Miraval® Arizona Resort and Spa

1,000,000 points

*Participating partners and available rewards are subject to change without notice.

Make business stays more comfortable

8 Nights at The Ritz London

1,064,000 points

*Participating partners and available rewards are subject to change without notice.

Support youth sports in your community

Give $12,000 in Nike eGift Cards ($100 each)

1,200,000 points

*Participating partners and available rewards are subject to change without notice.

Transfer points to frequent flyer programs

Including Delta Air Lines, Continental Airlines®, Virgin Atlantic Airways, and many more

Starting at 1,000 points

*Participating partners and available rewards are subject to change without notice.

Reward your team

Treat 17 employees and their guests to the Best of Wynn Las Vegas 2-Night Package for 2:

1,445,000 points

*Participating partners and available rewards are subject to change without notice.

Thank clients and employees, or reward yourself

3 Zero Gravity Flight Experiences

1,500,000 points

*Participating partners and available rewards are subject to change without notice.

Donate points to over 1 million charities

Give $170,000 to your chosen charity (1,000 points = $10)

1,700,000 points

*Participating partners and available rewards are subject to change without notice.

Upgrade your office with leading technology

6 Apple® MacBook Air 13" Notebooks, 1.6GHz with 2GB RAM/80GB Hard Drive

1,860,000 points

*Participating partners and available rewards are subject to change without notice.

How are points calculated? Close

This calculation assumes 5% spent on airfare, 10% spent at on advertising, gas and shipping and 85% spent on everything else. This is for estimating purposes only.
Click to view: Benefits and Terms
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Purchase confidently with built-in protections

PURCHASE PROTECTION*

  • Shop with confidence knowing that eligible purchases can be covered from theft and accidental damage up to $1,000 per occurrence, up to $50,000 per Cardmember account, per calendar year
  • Valid for up to 90 days from date-of-purchase
  • Coverage 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'll 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 your eligible purchase's original U.S. manufacturer's warranty by up to 1 year
  • Can cover eligible items up to $10,000 per occurrence, up to $50,000 per Cardmember account per calendar year
  • Valid for eligible U.S. purchases with warranties of 5 years or less

Get protection when you travel:
BAGGAGE INSURANCE PLAN*

  • Coverage can be up to $1,250 for carry-on baggage and up to $500 for checked baggage when you purchase your Common Carrier Conveyance (plane, train, ship, helicopter or bus) ticket with your Card

CAR RENTAL LOSS AND DAMAGE INSURANCE*

  • Use your eligible Card to reserve and pay for an auto rental, and decline the collision damage waiver at the rental car counter, and you can be covered if the car is damaged or stolen. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company

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 keep them that way

Maximize your rewards today

APPLY NOW Add to Saved Cards
Click to view: Benefits and Terms
*AMEX Assurance Disclosures
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Enhance your efficiency with a suite of tools

ADDITIONAL EMPLOYEE CARDS

Rewards

  • Earn Membership Rewards® points on employee spending.

Spending Limits & Spend Tracking Alerts

  • Choose to place a monthly spending limit on each of your Additional Cards. You can access these controls online or by calling the number on the back of your Card.
  • Set up Alerts that track spending on Additional Cards. When a Card reaches its threshold amount, you'll receive an Alert via text or e-mail. You can easily adjust the spending limit if desired.

Additional Cards

  • Introductory annual fee for Additional Gold Cards in the first year is $0; then, $50 for the first Additional Gold Card and no fee for other Additional Cards.

ONLINE STATEMENT & YEAR-END SUMMARY

  • Track and categorize business expenses, all in one convenient location.
  • Analyze and reconcile your account for tax time.

OPEN FORUM®

Content created just for OPEN

  • Research our archive of articles and videos written by and featuring renowned experts from a spectrum of industries.

Discussion boards

  • Find trends and experience-driven advice from thousands of OPEN® Cardmembers.
  • Can't find a topic you're interested in? Start your own discussion and ask the forum to see if you can find an answer.

Networking opportunities

  • See who in the forum is looking for the goods or services you provide.
  • Use the connectodexSM to explore and create solid, money-saving partnerships with fellow OPEN Cardmembers.
Click to view: Benefits and Terms
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Maximize your rewards today

APPLY NOW Add to Saved Cards

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.
Click to view: Benefits and Terms
*AMEX Assurance Disclosures
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