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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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Interested in reviewing this Card?

The Card at a glance

The Starwood Preferred Guest® Business Credit Card from American Express OPEN can earn you Starpoints for free night awards, flights on over 350 airlines with SPG Flights, gift cards, and more. Additional signature benefits include:

  • Earn 1 Starpoint® for each dollar of eligible purchases.
  • Receive up to 5 Starpoints for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program - that's 2 Starpoints per dollar spent on the Card in addition to the Starpoints you get as a Starwood Preferred Guest member
  • $0 introductory annual fee for the first year, then $65 to enjoy a range of travel rewards and Cardmembership benefits

UP TO 25K STARPOINTS

Get 10,000 Starpoints after your first purchase. Earn an additional 15,000 Starpoints after you make $5,000 of eligible purchases in the first 6 months of Cardmembership.

GET MORE STARPOINTS

Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program – that's 2 Starpoints per dollar spent on the Card in addition to the Starpoints you get as an SPG member.

NO BLACKOUT DATES

Redeem Starpoints at over 1,100 hotels and resorts in nearly 100 countries and for flights on over 350 airlines through SPG Flights.

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Use Starpoints toward free nights, flights with SPG Flights, gift cards, and more

MAXIMIZE THE STARPOINTS YOU CAN EARN

Get more Starpoints for stays
  • Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program – that's 2 Starpoints per dollar spent on the Card in addition to the Starpoints you get as an SPG member.
  • You get 1 Starpoint for each dollar of eligible purchases
  • When you add Additional Cards for Employees to your account, you can earn points at the same rate for every eligible purchase charged to the Card.

No blackout dates at over 1,100 properties in nearly 100 countries.

  • 2,000-3,000 points = 1 free night at Category 1 properties
  • 3,000-4,000 points = 1 free night at Category 2 properties
  • 7,000 points = 1 free night at Category 3 properties
  • 10,000 points = 1 free night at Category 4 properties
  • 12,000-16,000 points = 1 free night at Category 5 properties
  • 20,000-25,000 points = 1 free night at Category 6 properties
  • 30,000-35,000 points = 1 free night at Category 7 properties

No blackout dates on over 350 airlines with SPG Flights.

  • Search, book, and use points toward flights at spgflights.com.
  • Round-trip airfare starts at 20,000 points.

Transfer points to over 30 airline frequent flyer programs.

  • Most transfers are made on a 1:1 basis.
  • Get a bonus of 5,000 points for every 20,000 points transferred.

Use Starpoints to reward your business with gift cards.

  • 5,000 Starpoints can get you up to a $50 gift card at select retail and entertainment merchants.

Access to benefits that can make traveling easier

REACH SPG GOLD STATUS FASTER

  • Get an automatic upgrade when you spend $30,000 in a calendar year.
  • SPG Gold status comes with a 50% point bonus, room upgrades, and late checkout.

GLOBAL ASSIST® HOTLINE

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

CAR RENTAL LOSS & DAMAGE INSURANCE*

  • Simply use your eligible Card to reserve and pay for an eligible 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. Coverage is available within the United States, its territories and possessions.

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.

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 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.

Starwood Preferred Guest® Business Credit Card Ratings and Reviews

Add a review

Click here to write your own review about an American Express OPEN Card.

Showing 1 to 10 of 106 Reviews

Sort Reviews By: Newest | Highest Rated | Oldest | Most Helpful

1

Does not get better than this See More Reviews

12.19.2011

11

Does not get better than this

This card is a huge benefit to me. As a frequent traveler with my own business, the bonus points for signing on and the points awarded for both business purchases and SPG hotel stays are unparalleled. I highly recommend this card.

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HR FOR BUSINESS (MA)
  • Industry:
  • Professional Services (Attorney, Doctor, etc.)
  • Cardmember Since:
  • 2006
I thought it would have more value See More Reviews

11.28.2011

11

I thought it would have more value

Excellent customer service. Given what other cards offer lately, this card doesn't seem to have the appeal it once did. Also, I noticed that there are foreign transaction fees with this card while other cards don't have any. I wish it can get 2 star points per dollar on regular purchases since it's a business card.

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50pateld See More Reviews

11.24.2011

11

50pateld

I like the card because of the starwood points but should be a combination with airline points

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SHANTI CORPORATION (VA)
  • Industry:
  • Pharmaceuticals & Biotechnology
  • Annual Revenue:
  • $10,000,000-$29,999,999
  • Cardmember Since:
  • 2003
Disappointed See More Reviews

11.9.2011

11

Disappointed

Make sure you get your points. After having the card for 3 months, I noticed I hadn't received my bonus points for meeting the spending requirement within the first 6 months. Customer service told me that the bonus was only for new AMEX Card holders, yet the Card member agreement makes no mention of this requirement. This document is directly on their website. They still have not provided any valid reason for not crediting the account. I would be very wary of getting this card.

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  • Industry:
  • Financial Services
  • Cardmember Since:
  • 2002
  • Make Sure you Get your Bonus Points See More Reviews

    11.8.2011

    11

    Make Sure you Get your Bonus Points

    I was told I was not eligible for the 15k bonus points earned by spending 5k during the first 6 months of the card because I had already had AMEX cards, and was not a new customer. The card agreement DOES NOT make any mention of this limitation, so I've been going back and forth with customer service to get it resolved.Excerpt From "CARD BENEFITS & TERMS"**15,000 Starpoints:To be eligible to receive 15,000 bonus Starpoints® you must make $5,000 in purchases on the Card between the date the Card is issued and the date ending 6 months thereafter. Please allow 8 to 12 weeks after you reach $5,000 or more in account spend during the period described above for the 15,000 bonus Starpoints to appear in your Starwood Preferred Guest Account.**

    Was this review helpful?

    Flag as inappropriate
  • Industry:
  • Financial Services
  • Cardmember Since:
  • 2002
  • Points vs. Purchase for Travel See More Reviews

    10.6.2011

    11

    Points vs. Purchase for Travel

    Points are acquired in a very slow amount. When spent, they are utilized at a more than going for 'retail' amount. Meaning, the amount cashed in for travel exceeds what would be spent utilizing another source of travel other than American Express. Dollar for Dollar, we spend more using points than paying outside of the benefit plan.

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    HOMES BY THE BAY NET (MD)
    • Industry:
    • Real Estate
    • Annual Revenue:
    • $30,000,000+
    • Cardmember Since:
    • 2007
    Still the best See More Reviews

    7.14.2011

    11

    Still the best

    The Starwood Credit Card from Amex still gives me the best return for my spending! I've used my SPG points to stay in hotels all over the world. In fact, I don't actually recall ever paying for a stay at a starwood property. The SPG card's service is always top notch. I've benefited from services like Global Assist while overseas more than once. When my luggage was delayed, the Amex agent was able to track it down and call me back within 20 minutes after I contacted her.

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  • Cardmember Since:
  • 2001
  • sheraton See More Reviews

    4.4.2011

    11

    sheraton

    do not use the hotel chain as much anymore so i have not has a need for the type of benefits offered

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    TESLA SYSTEMS INC (MA)
    • Industry:
    • Telecommunications
    • Annual Revenue:
    • $2,000,000-$9,999,999
    • Cardmember Since:
    • 1999
    Starwoods See More Reviews

    1.13.2011

    11

    Starwoods

    Best rewards for hotel stays and airline miles transfers. Annual fee increase this year is not competitive with other cards.

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    MIND GAMES LLC (SC)
    • Industry:
    • Retail/Wholesale
    • Annual Revenue:
    • $500,000-$999,999
    • Cardmember Since:
    • 1974
    Great Card at Good Value See More Reviews

    1.5.2011

    11

    Great Card at Good Value

    Starwood points are among the most valuable loyalty points in the business, and the Starwood Amex Business card combines that benefit with OPEN savings. At a very attractive annual fee, you get great Amex service,great loyalty points, and non-trivial discounts on many goods and services.It would be helpful to offer a few more promotions with starpoints for specific spending triggers.

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    Flag as inappropriate
  • Industry:
  • Professional Services (Attorney, Doctor, etc.)
  • Annual Revenue:
  • $50,000-$99,999
  • Cardmember Since:
  • 2002
  • Showing 1 to 10 of 106 Reviews

    1

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