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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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OPEN® BUSINESS ADVANTAGE:

Trade Terms

Get payment options you always wanted.

Trade terms virtually everywhere — another innovation from American Express OPEN.

“The Plum Card helps me keep my edge by offering different options for managing my cash flow. I feel rewarded on a good month with cash back that says, 'Job well done.'”

Dale Laszig | DSL Direct, LLC | Member Since 1996

Manage your cash flow so business can go with the flow.

Get trade terms virtually everywhere

  • There is no need to negotiate with individual vendors — with the Plum Card® you get trade terms each time you use it

Get an early pay discount, OR

  • Pay within 10 days and earn a 1.5% discount1 
  • Discounts will be automatically credited to your next statement

Choose the defer pay option

  • Pay as little as 10% and take up to 2 months to pay the balance without interest2 
  • For example, if your balance is $5,000, you can pay $500 by the "Please Pay By" date, then pay the remaining $4,500 by the next "Please Pay By" date

Set your billing cycle

  • Select when your monthly billing cycle ends   — at the beginning, middle, or end of the month

See Cards

Learn about trade terms from American Express OPEN

Start earning points on your expenses.

Inventory. Supplies. Utilities. Rent. Travel. Clients. Employees. Yourself.

How do you
earn points?

  • Earn 1 point for every eligible dollar you spend — there is no limit to the number of points you can earn and no expiration date3 
  • Earn double points for booking online with American Express Travel
  • Earn 3X or 4X points when you shop select retailers at the Bonus Points Mall®4

What can you do with points?

  • Fly any airline without blackout dates5 
  • Get event tickets, gift cards, and merchandise for clients and your business with points
  • Supplement your frequent flyer and hotel programs anytime by transferring points

What can you get with points?

  • 5,000 points = $50 gift card from The Capital Grille — treat your client to dinner
  • 55,000 points = Flight to Hong Kong from NYC, LA, or San Francisco — court new business
  • 186,000 points = MacBook® laptop — upgrade your workstation 

See Cards

Compare Cards eligible for the Membership Rewards program

Make more out of the money you start with.

Pay without interest.

  • With a Business Charge Card, you pay your balance in full each month 

Be ready for the unexpected.

  • Get No Pre-set Spending Limit that can evolve with your business6 — see how
  • Customize your payment schedule to work with your business's cash flow

Manage expenses with one Card.

  • Cover your expenses — inventory, supplies, utilities, rent, client entertainment, and more
  • Keep track of it all and budget for the future with your online statement and Year-End Summary

Earn rewards while you're at it.

  • Earn 1 Membership Rewards® point for every eligible dollar you spend7
  • Use points to fly without blackout dates,8 buy office supplies, entertain, and more 

See Cards

Compare Business Charge Cards with purchasing power

Save 3% to 10% on the goods and services you buy most.9

Get an OPEN Card and save automatically.

  • OPEN Cardmembers spend thousands less on the things they pay for most — from shipping with FedEx to renting at Hertz®
  • You can save 3% to 10% on essential business expenses simply by using your Card  at our best-in-class merchant partners
See All Partners By Category

Shipping
FedEx Express — 5%
FedEx Ground — 5%
FedEx Office — 5%

Transportation
AirTran Airways — 5%
Hertz — Up to 10%
Carey — 5%

Lodging
Hyatt — 3%
Courtyard by Marriott — 5%
Fairfield Inn by Marriott — 5%
SpringHill Suites by Marriott — 5%
Residence Inn by Marriott – 5%
TownePlace Suites by Marriott — 5%

Client and Employee Appreciation
Barnesandnoble.com — 5%
1-800-Flowers.com — 5%

Office Supplies and Services
OfficeMax — 5% off transactions of $100 or more
HPDirect.com — 5%
Symantec — 10%
Epson — 5%
Logoworks by HP — 10%
Firedog — 10%

Maximize your discounts.

  • Save even more by combining OPEN Savings with any other offers, rebates, and coupons
  • Discounts are subtracted from your total purchase charge, including tax

Just use
your Card.

  • OPEN Savings discounts are automatically credited to your monthly statement 

See Cards

Compare the most popular Cards from American Express OPEN

Get support that thinks — and evolves — like a business.

Small Business Specialists

  • They provide you with a more personal level of attention and support for your business — from day-to-day details to unexpected circumstances
  • Their mission: To help you find ways to maximize all your OPEN benefits

Built-In Benefits and Services

  • Call 24/7 for one-on-one help from representatives focused on serving your business
  • That is in addition to the personalized attention that comes with signature benefits like:
See All Built-In Benefits

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.10

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.11

Car Rental Loss and Damage Insurance12: 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 don't recognize a charge on your statement, we'll investigate it, and you won't be responsible for paying the charge while we do.13

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 Warranty14: 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're 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 Protection15: Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.

Travel Accident Insurance16: 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.

See Cards

Compare the most popular Cards from American Express OPEN

Create business leads, gain exposure, and find insider news.

Track business trends and expert insights.

  • Explore the OPEN Forum® archive of exclusive articles and videos featuring industry experts 
  • Exchange ideas and experiences with thousands of fellow business owners
  • See what blog writers are saying about current topics
  • Attend scheduled video viewings of trade shows and conventions you may have missed

Create business opportunities.

  • Search for OPEN business owners who may be looking for the goods or services you provide 
  • The connectodexSM recommendation engine can match you with relevant businesses

Help potential clients find your business.

  • Create a profile and start connecting with fellow business owners
  • Think of your profile as a digital business card that could appear in major search engines  — and can generate even more leads
  • Increase your exposure — the more you participate, the more attention your business can get

See Cards

Compare the most popular Cards from American Express OPEN

Receive Offers and info

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You can save up to four Cards. Just click any Card to go to its details page. You can also see a side-by-side comparison of your Saved Cards by clicking "Compare Saved Cards".

See your Saved Cards in a side-by-side benefit comparison

 

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Choose the Cards you would like to compare by clicking the "Save to Compare" checkbox on each Card product page.
  • The No Pre-set Spending Limit feature on your Charge Card provides you with a flexible spend capacity that can adjust dynamically to match your specific business. No Pre-set Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors, including the size of your business.
  • Shipping
    FedEx Express® — 5%
    FedEx Ground® — 5%
    FedEx Office — 5%
    Car Rental and Driving Services
    Hertz® — 5%
    Carey — 5%
    Hotels
    Hyatt — 3%
    Courtyard by Marriott® — 5%
    Fairfield Inn by Marriott® — 5%
    SpringHill Suites by Marriott® — 5%
    Residence Inn by Marriott® – 5%
    TownePlace Suites by Marriott® — 5%
    Client and Employee Appreciation
    barnesandnoble.com — 5%
    1-800-flowers.com® — 5%
    Administrative and Accounting Services
    Symantec® — 10%
    Epson — 5%
    BizFilings℠ — 20%
    Constant Contact — 3%
    ExpensAble® — 25%
    Logoworks by HP — 10%
  • Small Business Specialists: A dedicated team of OPEN Small Business Specialists are assigned on an annual basis to Cardmembers who spent more than $100,000 on their American Express® Business Card(s) during a 12-month period. Hours of operation for the Phoenix, Arizona, and Greensboro, North Carolina-based teams are Monday–Friday, 8am to Midnight, ET. Certain restrictions apply.
  • Relationship Manager: OPEN® typically assigns Relationship Managers to Cardmembers who spent $1,000,000 or more on their American Express® Business Card Account(s) during the previous year and whose Accounts remain in good standing. Certain restrictions apply. Relationship Manager program guidelines and policies are subject to change without notice.