The Business Gold Rewards Card

Get a decision in as little as
60 seconds.

Get more where you spend more



  • Airfare purchased directly from airlines
  • U.S. purchases for advertising in select media
  • U.S. purchases at gas stations
  • U.S. purchases for shipping
  • U.S. computer hardware, software, and cloud computing purchases made directly from select providers





Terms and limitations apply. 3X and 2X apply to first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Putting the control where it belongs – in your hands

The Business Gold Rewards Card

The Business Gold Rewards Card can help you buy what you need for your business, when you need it. Whether you're making smaller purchases or bigger ones, get valuable points that can be used to reinvest in your business.


With the Business Gold Rewards Card, you can redeem points for rewards for your business. Use points for dining and entertaining clients, to reward employees or for business travel.

A Suite of Tools to Manage Expenses

The Business Gold Rewards Card is more than a rewards Card. It's also equipped with tools you can use to manage your business expenses efficiently.


•  Download the Spend ManagerSM Mobile App to easily capture, store, and organize your Business and Corporate Card receipts on the go.


•  Spend ManagerSM is a feature available with your Business Card to help you manage your Card expenses by allowing you to add receipts, tags and notes to your transactions either via desktop or your mobile device.


•  Make sure you're getting the most out of your Business Card by adding Employee Cards, which come with tools that can help smooth your bookkeeping tasks and controls that help put your mind at ease.


Other Card Features

No interest charges because you pay your balance in full each month.


For months when you may need additional time to pay, we offer a feature that allows you to pay certain purchases over time with interest.
If eligible, you may be given the option to enroll in the Pay Over Time feature, and if you choose to enroll, you will accrue interest on all eligible purchases when you choose to carry a balance.


$0 introductory annual fee for your first year, then $175.


Introductory annual fee for Additional Business Gold Rewards Cards in the first year is $0; then, $50 for the first Additional Business Gold Rewards Card and no fee for other Additional Cards.


No Foreign Transaction Fees.

Rates & Fees

Plus, Enjoy the Benefits that Come with OPEN® Card Membership:

Purchase Protection

When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions.

Extended Warranty

With Extended Warranty you can shop with less worry knowing the terms of the original manufacturer's warranty can be extended up to one additional year. Applies to warranties of 5 years or less that are eligible in the U.S. Please read important exclusions and restrictions.

Car Rental Loss and
Damage Insurance

When you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage. 

Premium Roadside

Your car breaks down or you blow a tire. Now what? Luckily you’re a Card Member. Just call us to change a flat, jumpstart a battery, or get a tow up to 10 miles. We will pay for included emergency services up to four times a year, even if you’re in your driveway. With one call, help is on the way. And soon you’ll be on yours. There are some vehicle exclusions and other important restrictions.

Baggage Insurance

Travel more comfortably knowing you can be covered by the Baggage Insurance Plan for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

Travel Accident

Travel Accident Insurance can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a Common Carrier (e.g. plane, train, ship, or bus) when the entire fare** has been charged to the eligible Card. Please read important exclusions and restrictions.

The Business Gold Rewards Card

Business Gold Rewards Card