The Business Gold Rewards Card from American Express OPEN
Designed for businesses to earn points faster.
Purchasing Power and Fast Rewards
Take advantage of business-sized purchasing power that can grow as your business grows.

Buy inventory, book travel, or advertise your business.

The more you use your Card to run your business, the more points you can earn.
Manage Receipts Easily
Your Business Gold Rewards Card from American Express OPEN lets you sync expenses to Intuit QuickBooks® on the go — so there's no end-of-the-month pileup.

ReceiptMatchSM with QuickBooks® allows you to tag, approve and send the transaction data to QuickBooks. And Additional Card Members can tag their transactions as they go.3
Basic Features of the Card
No interest charges because you pay your balance in full each month.4

$0 introductory annual fee for your first year, then $175.5

Earn even more rewards for your business with Additional Cards for Employees. With an introductory annual fee of $0 for the first year; then $50 for the first Business Gold Rewards Card and no fee for the rest, the rewards can really add up for your business.
Designed to earn points faster.
24/7 Service & Support
On-Call Support and Dedicated Business Consultants who spend the time to help solve your business needs.
Access to Purchase & Travel Benefits
Access to Purchase Protection6, Return Protection7, Extended Warranty8, Travel Accident Insurance9, Car Rental Loss and Damage Insurance10, and other benefits and services.
Online Tools & Resources
Articles and tips for small businesses at OPEN Forum® and Online statements to manage spending.
Apply by phone: 1-866-534-OPEN (6736)
Learn More | Card Benefits & Terms

1 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months. To be eligible to earn additional points, you must charge $5,000 of eligible purchases* during the first 3 months of membership on an eligible Business Gold Rewards Card from American Express OPEN. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Limit one offer per Card Account. Offer may not be combined with any other special offer. Bonus ID A4WS. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. American Express reserves the right to modify or revoke offer at any time. You can earn 25,000 Membership Rewards points after you spend $5,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The 25,000 additional points will be credited to your Membership Rewards account 6-8 week after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card.

*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

2 With your Business Gold Rewards Card from American Express, you earn one Membership Rewards® point for each dollar of eligible purchases. For the first $100,000 in eligible spending in each calendar year in each of the five categories specified below, you can earn additional points for each dollar of eligible purchases, as follows: (1) 2 additional points (for a total of 3 points) for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) 1 additional point (for a total of 2 points) for advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) 1 additional point (for a total of 2 points) for gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (4) 1 additional point (for a total of 2 points) for shipping services purchased in the U.S. for courier, postal, and freight; and (5) 1 additional point (for a total of 2 points) for computer hardware, software, and cloud computing purchases in the U.S. made directly from select providers. (The current list of select computer hardware, software, and cloud computing providers is available at: americanexpress.com/rewards-info.) You may earn additional points in 2 or more categories from an eligible purchase and that purchase will apply against the $100,000 cap in those categories. Eligible purchases in excess of $100,000 in the applicable category in a calendar year will earn only one point for each dollar of eligible purchases.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not eligible. Purchases made through third-parties (including resellers and online marketplaces) or through a third-party payment account will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

3 ReceiptMatch and Sync with QuickBooks are two separate business tools available with Business Cards from American Express OPEN. ReceiptMatch and Sync with QuickBooks were created to work together. You must enroll in ReceiptMatchSM and in Sync with QuickBooks separately from your American Express online account to use ReceiptMatch with QuickBooks. Sync with QuickBooks works with QuickBooks Online, or with QuickBooks Pro or Premier for Windows 2011 or later with QuickBooks Sync enabled.

4 No interest charges: If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time.

5 The introductory Annual fee for the Business Gold Rewards Card will be $0 for the first year of Card Membership. After that the annual fee will be $175.

6 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, items stolen from a motor vehicle, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

7 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in "like new" condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

8 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

9 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** with your eligible Card on a Common Carrier (e.g. plane, train, ship, bus, helicopter, except charters). Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

10 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire vehicle rental. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This product provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles or property. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/CRLDIterms.


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