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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?

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The Card at a glance

The Lowe's Business Rewards Card delivers rewards for your purchases at Lowe's and everywhere else American Express® Cards are accepted

  • Get 3 points per dollar spent at restaurants, office supply stores, and on wireless service, 2 points per dollar spent at Lowe's, and 1 point per dollar virtually everywhere else
  • Use points to get Lowe's Gift Cards, American Express Gift Cards, Gas Rewards Cards, or Outdoor Rewards Cards
  • No annual fee

UNLIMITED REWARDS

Get 3X points for dining out, office supplies, and wireless service. 2X points for Lowe's purchases. And 1X points for nearly everything else

OPEN SAVINGS

Get automatic discounts on every purchase you make with your Card at OPEN Savings® partners

GET REWARDED FASTER

Get 5% off your purchase every time you use your Card at Lowe's

Click to view: Rates and Fees
Benefits and Terms

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Get rewarded faster, not just at Lowe's

MAXIMIZE THE POINTS YOU CAN GET

3Xpoints for every eligible dollar spent at restaurants, office supply stores, and on wireless service

2Xpoints for every eligible dollar spent at Lowe's

1Xpoints for every eligible dollar you spend everywhere else

REDEEM POINTS FOR GIFT CARDS THAT HELP YOUR BUSINES

  • Lowe's® Gift Cards start at 2,500 points
  • American Express® Gift Cards start at 3,500 points
  • Gas Rewards Cards start at 2,500 points
  • Outdoor Rewards Cards start at 2,500 points
Drag the slider to calculate points
Monthly Expenses$30,000
Yearly points
5,544
How are points calculated? Close

This calculation assumes: 12% spent at restaurants, office supply stores, and on wireless phone bills; 40% spent at Lowe's; and 48% spent everywhere else.

Click to view: Benefits and Terms
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Travel easier with insurance and assistance from OPEN

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.

CAR RENTAL LOSS & DAMAGE INSURANCE*

  • Simply use your eligible Card to reserve and pay for an auto rental and decline the collision damage waiver at the rental counter. As a Cardmember you can be covered if the car is damaged or stolen.

GLOBAL ASSIST® HOTLINE

  • Guarantees you 24/7 medical, legal, financial, and emergency assistance when you're more than 100 miles from home.

TRAVEL ACCIDENT INSURANCE*

  • Worry less about the unthinkable happening to you on your Covered Trip. If an accident causes your Death, membership can provide added financial security to your beneficiaries. Travel Accident Insurance covers travel by plane, train, ship, bus, or helicopter.
Click to view: Benefits and Terms
*AMEX Assurance Disclosures
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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 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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