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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 Flexibility?

It's your choice: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.

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. Give your customers multiple payment options to pay you and get paid faster with AcceptPay.

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

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?

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The Card at a glance

The Business Platinum Card from American Express OPEN features an award winning rewards program that allows you to earn points that can be used towards business expenses and is designed to help you seize business opportunities every day, including exclusive signature benefits like:

  • 20% Travel Bonus when you use
    Membership Rewards® Pay with Points
  • 24/7 Concierge for dedicated personal consultants who will assist you with both business and personal requests.
  • More than 40 benefits for an annual fee of $450

Premier Benefits

Earn valuable rewards and use them to help offset business expenses

Premier Travel

Stay productive on the go with Airport Club Access, FINE HOTELS AND RESORTS, and premium car rentals.

Enhanced Protections

Get access to special events, preferred seating, and advanced ticket sales.

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Built to turn expenses into assets, so you can pursue what's next

Maximize the points you can get

Turn the expenses you put on the Business Platinum Card, into opportunities to eliminate future expenses with the award-winning Membership Rewards® program. You can earn:

1X points for every dollar you spend on purchases

  • When you add Employee Cards to your account, you'll earn points for virtually every dollar they charge on the Card.

Built so you can get points back when you travel with points

20% TRAVEL BONUS

  • Use Membership Rewards® Pay with Points to pay for all or part of your flight, prepaid hotel, vacation or cruise booking on the American Express Travel site, and you can get 20% of the points back as a credit to your account. Book any airline, anywhere, anytime with no seat restrictions or blackout dates.

Use points to reward employees, clients, and yourself

  • Recognize employees - Redeem points for gift cards at hundreds of retailers.
  • Thank clients - Find a gift with thousands of options to choose from.
  • Reward yourself - Give yourself a little bonus.

Transact business without card transaction fees, worldwide.

NO FOREIGN TRANSACTION FEES

  • Pay no foreign transaction fees on any purchase.
  • Eliminate unnecessary costs, whether or not you are traveling.

FX INTERNATIONAL PAYMENTS

  • Make foreign currency payments when you apply for FX International Payments, and you can receive a waiver on American Express® transaction fees.

Built to keep you as productive on the road as you are in your office

Take off without taking on incidental expenses

UP TO $200 ANNUALLY IN CREDITS FOR INCIDENTAL AIRLINE FEES*

  • Enroll and select a qualifying airline to receive up to $200 annually in statement credits for incidental fees, such as checked bags and in-flight refreshments, charged by the airline.*
*American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your enrolled Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for more details.


Turn downtime into time well spent

AIRPORT CLUB ACCESS WITH PRIORITY PASSTM SELECT

  • In addition to your  lounge access with participating American Airlines Admirals Club®, Delta Sky Club®, and US Airways® Club lounges, you can also enroll in Priority PassTM Select, which offers access to more than 600 participating airport lounges worldwide, regardless of the class or airline you’re flying, just by showing your Priority Pass Select membership card.


PLATINUM OFFICE PROGRAM

  • Take advantage of complimentary access to business lounges at over 1,000 locations in 550 cities around the world, through Regus® and the Platinum Office Program.
  • Receive preferred pricing on full-service offices, available by the day, month or year.
  • Get exclusive rates on office services, including call answering and mail forwarding.

Take a shortcut through the long lines at Customs

GLOBAL ENTRY FEE CREDIT

  • Bypass arrival lines at most major U.S. airports when returning from international travel
  • Use your Card to apply and we’ll credit the application fee
  • Additional Business Platinum Cards are also eligible for the $100 statement credit. To receive the credit, the application must be charged on the Additional Card account.
  • Once approved, your membership is valid for 5 years.

Better comfort is better for productivity

FINE HOTELS & RESORTS PROGRAM

Receive access to these complimentary benefits with each FINE HOTELS & RESORTS booking:

  • Noon check-in upon arrival, when available
  • Room upgrade upon arrival, when available*
  • Daily breakfast for two people
  • 4pm late checkout
  • Additional special amenity unique to each property, such as a $100 food and beverage credit or a massage for two people**
    See program terms and conditions for additional details
To book your stay, visit americanexpress.com/fhr or call Business Platinum Travel Services at 1-800-492-8468.
* Certain room categories are not eligible for upgrade; call Platinum Travel Service for details
** Benefits vary by property; call Platinum Travel Service for details.

PREMIUM CAR RENTAL PROGRAM

  • Skip the line and the paperwork, and get automatic upgrades with complimentary access to the premium car rental programs of:

Built to help you seize more opportunities and conquer what's next

Gain greater efficiency

24/7 CONCIERGE

  • Call on your personal Concierge, who is available to assist you anytime, 24/7, with both personal and professional requests.

Make purchases with confidence

Business Platinum Card members enjoy access to benefits such as Purchase Protection* and Extended Warranty*.


PURCHASE PROTECTION*


In the event of accidental damage, theft or loss, eligible purchases can be covered for up to $10,000 per occurrence and up to $50,000 per Card member account per calendar year.

  • Good for up to 90 days from your date of purchase.
  • Coverage is in EXCESS of other sources of indemnity.

EXTENDED WARRANTY*


When you pay for a covered item, Extended Warranty* can extend the terms of the original manufacturer's warranty up to one year.

  • Can cover the item or $10,000; whichever is less not to exceed $50,000 per Card member account per calendar year.
  • Good for eligible U.S. purchases with warranties of 5 years or less.

Keep your international costs down

NO FOREIGN TRANSACTION FEES

  • Pay no fees on foreign transactions each time you use your Business Platinum Card on purchases abroad.

Travel with full-time support

PREMIUM GLOBAL ASSIST® HOTLINE

Business Platinum Card members traveling more than 100 miles from home are guaranteed 24/7 assistance with any medical, legal, financial, or emergency needs through Premium Global Assist.

  • Coverage also includes the costs associated with transporting you to the nearest, most appropriate medical facility should you become seriously ill.

ROADSIDE ASSISTANCE ANYWHERE

  • Guarantees you 24/7 help (even if you're only a block from home) — whether you've got a flat, an empty tank, or need a tow to the nearest garage.

BAGGAGE INSURANCE PLAN*

  • Travel in comfort knowing you can be covered by the Baggage Insurance Plan * when you purchase your Common Carrier Conveyance (plane, train, ship, helicopter, or bus) on your eligible Card.

Built to open doors, so you can close more deals and pursue what's next

Gain valuable insight from business insiders

OPEN FORUM

Forge new business connections and take advantage of valuable networking opportunities with others on OPEN Forum, to see who is in need of the goods or services you provide.

  • Research our archive of articles and videos written by and featuring renowned experts from a spectrum of industries.
  • Join in one of the many discussion boards to find out about business 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.
  • Use the ConnectedexSM to explore and create solid, money-saving partnerships with fellow OPEN Cardmembers.

Entertain clients, reward your best employees, or treat yourself

BY INVITATION ONLY®

  • Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public courtesy of By Invitation Only
  • Choose from sporting and fashion events, the visual and performing arts, as well as a wide array of extraordinary dining experiences.

PREFERRED SEATING PROGRAM

  • Gain exclusive access to choice seats for sports, entertainment, and live concert events at leading venues
  • Get access for you and a guest to the STAPLES Center Platinum Lounge
  • Enjoy advance ticket sales for select events

PREMIUM ACCESS

  • Enjoy unique Premium Access experiences, from special entry to food festivals to VIP packages at concerts
  • Continue to receive preferred seating at the hottest events

Maximize your rewards today

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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 YOUR PURCHASES

    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.

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.

Business Platinum Card® Ratings and Reviews

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