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YOUR BUSINESS INFORMATION

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YOUR PERSONAL INFORMATION

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Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc. Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it.

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PLEASE SCROLL DOWN TO READ IMPORTANT INFORMATION ABOUT RATES, FEE, AND OTHER COST INFORMATION BEFORE SUBMITTING YOUR APPLICATION.

By submitting this application, I certify that I have read, met and agreed to all the terms, conditions and disclosures linked to this application. I understand that the annual membership fee(s) for the Basic Card and Additional Cards has been waived for the first year. Then, the annual membership fee for the Basic Card is $175 and $50 for the first Additional Gold Card and no annual membership fee for each Additional Gold Card thereafter, for up to 99 Additional Gold Cards. I understand that there is no annual membership fee for Additional Green Cards. Membership Rewards® partners will receive certain information about you in order to provide the benefits of your Membership Rewards account.

IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION
Payment Information
All charges made on this charge card are due and payable when you receive your periodic statement.
Fees
Annual Membership Fee
$0 for the first year, then $175
Transaction Fees
  • Foreign Transaction
2.7% of each transaction after conversion to US dollars.
Penalty Fees
  • Late Payment
  • Returned Payment
$37 or 2.99% of any past due Pay in Full amount, whichever is greater.
$37

POID AW3Y:0001

Welcome bonus offer not available to applicants who have had this product or any other Business Gold, Green or Platinum Card® account within the last 12 months.

Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
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. American Express reserves the right to modify or revoke the offer at any time. You can earn the 25,000 additional 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 mailing 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 weeks after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card. 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.
*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.

Introductory Annual Fee
The annual fee for the Business Gold Rewards Card will be waived for the first year of Card Membership. Then the annual fee will be $175.


The following benefits and services are subject to change or cancellation.

Account Manager
Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Account Managers.

Additional Card Annual Fee
Annual fee for Additional Business Gold Rewards Cards is $50 for the first Additional Business Gold Rewards Card and no fee for other Additional Business Gold Rewards Cards. There is no fee for Additional Business Green Rewards Cards. You can have no more than 99 total Additional Cards on your account.

American Express Preferred Seating
Tickets available through the American Express Preferred Seating program are available exclusively for qualifying Card Members at no additional cost. Standard service charges apply. Tickets are subject to availability and apply to select events. Tickets must be purchased with an eligible American Express Card. Availability will vary by performance based on prior sales. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.
Redemption Information: To redeem an American Express Preferred Seating offer, Domestic Card Members, please enter the 10-digit Customer Service phone number located on the back of your Card when placing your order. International Card Members, please enter your promotional code.
If you are a Domestic Card Member, for more information on Preferred Seating, please call 1-800-448-TIKS or visit americanexpress.com/entertainment. If you are an International Card Member, please call the customer service number located on the back of your Card. International inquires will not be serviced on the U.S. 800 number listed above.

Dispute Resolution
Not all disputes are resolved in the Card Member's favor.

Global Assist® Hotline
While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

Membership Rewards® - Multiple Points on Purchases
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.

Membership Rewards® Pay with Points
To use Pay with Points, you must charge your purchase through amextravel.com or American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Minimum redemption 5,000 points. See membershiprewards.com/terms for Membership Rewards program terms and conditions.

If a charge for a purchase is included in a Pay Over Time feature balance on your Linked Account (for example, the Extended Payment Option), the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card.

Membership Rewards® Program
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.

Membership Rewards® Program – Transfer of Points to Frequent Flyer Programs
Enrollment in a participating Frequent Flyer program is required. Airline tickets are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. We may offer you the option to redeem points to pay this fee.

Membership Rewards® Program – Use points for everyday charges
Using Points for Your Charges is only available to Basic Consumer and OPEN Card Members enrolled in the U.S. Membership Rewards® program. Authorized agents, authorized account managers, Additional Card Members and Authorized Additional Card Members are not eligible. All Linked Card accounts must be in good standing. A minimum of 1,000 Membership Rewards points in your program account is required and you may use Membership Rewards points only toward the entire amount of an eligible charge. American Express will present the eligible charges you can use points towards, and we may change which charges are eligible at any time without notice. American Express is under no obligation to make charges available for redemption using Membership Rewards points. For each transaction, points will be debited immediately from your Membership Rewards program account and a credit will be issued to your Linked Card account for the corresponding dollar amount within 48 hours. Credits processed after the Card account's statement closing date will appear in the following billing period. You are responsible for payment of the amount due on your Card account by the due date even after using this feature. To learn about this feature and redeem points online, visit membershiprewards.com/yourcharges.

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.

No Pre-Set Spending Limit
No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

OPEN Savings® Benefit
The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up to a 10% discount or up to 4 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use your Membership Rewards points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be less than the dollar value of statement credits that you receive under the Discount Benefit. You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com. The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com.

Premium Roadside Assistance
Premium Roadside Assistance provides the following services at no additional cost up to 4 times per calendar year when Card Member is present with the eligible vehicle: towing up to 10 miles, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Card Member will be charged for the costs of towing in excess of 10 miles and any other additional services. Coverage is available in the United States, Canada, Puerto Rico and the U.S. Virgin Islands. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. In case of inclement weather, we may be unable to provide you with services. Services may not be available or may be at the cost of the Card Member on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.

ReceiptMatchSM
ReceiptMatchSM is only available with Business Cards from American Express OPEN. For full terms and conditions and enrollment, go to www.open.com/receiptmatch.

ReceiptMatchSM Mobile App
ReceiptMatchSM Mobile App is only available with Business Cards from American Express OPEN enrolled in ReceiptMatch at www.open.com/receiptmatch. The ReceiptMatchSM Mobile App is only available on iTunes and Google Play. Apple, the Apple logo, iPhone and Mac are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

ReceiptMatchSM with QuickBooks®
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. For more details on ReceiptMatch and Sync with QuickBooks go to www.open.com/quickbooks.

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, cellular phones, 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.

Seller of Travel
Liability Statement. American Express Travel Related Services Company, Inc. and its parent, subsidiaries, affiliates and representatives (collectively, "Amex") act as an agent for travel suppliers and you understand and agree that Amex shall not be liable for any loss, injury, expense or damage to persons or property resulting, directly or indirectly, from (1) the acts of omissions of travel suppliers, including but not limited to delays, overbooking's, cancellation of services, cessation of operations, accidents or failures of equipment, or changes in fares, itineraries or schedules; or (2) acts of God, fires, earthquakes, floods, climatic aberrations, acts of governmental authorities, civil unrest, strikes, riots, theft, disease, accidents or failures related to the public internet, telecommunications lines or facilities, or third party technology systems, or any other cause beyond the control of Amex.
Intermediary Disclosure. Amex assists you in finding travel suppliers and making arrangements that meet your individual needs. We consider various factors in identifying travel suppliers to you and recommending specific itineraries. In this role, we are acting as an independent third party and not as a fiduciary. We want you to be aware that certain suppliers pay us commissions as well as incentives for reaching sales targets or other goals, and from time to time may also provide incentives to our travel counselors. Certain suppliers may also provide compensation to us for various marketing and administrative services that we perform for them, such as granting them access to our marketing channels, participating in marketing programs and supporting technology initiatives. In addition, we receive compensation from suppliers when customers use the American Express Card or other American Express products to pay for supplier products and services. From time to time we may enter into other business relationships with suppliers and these arrangements, including levels and types of compensation and incentives we receive, are subject to change. In identifying suppliers and recommending itineraries, we may consider a number of factors, including supplier availability and your preferences. The relationships we have with suppliers may also influence the suppliers we identify and the itineraries we recommend.
For more information please visit www.americanexpress.com/travelterms
CALIFORNIA: This transaction is covered by the California Travel Consumer Restitution Fund (TCRF) if the seller of travel was registered and participating in the TCRF at the time of sale and the passenger is located in California at the time of payment. Eligible passengers may file a claim with TCRF if the passenger is owed a refund of more than $50 for transportation or travel services which the seller of travel failed to forward to a proper provider or such money was not refunded to you when required. The maximum amount which may be paid by the TCRF to any one passenger is the total amount paid on behalf of the passenger to the seller of travel, not to exceed $15,000. A claim must be submitted to the TCRF within 12 months after the scheduled completion date of the travel. A claim must include sufficient documentation to prove your claim and a $35 processing fee. Claimants must agree to waive their right to other civil remedies against a registered participating seller of travel for matters arising out of a sale for which you file a TCRF claim. You may request a claim form by writing to: Travel Consumer Restitution Corporation; P.O. Box 6001; Larkspur, CA 94977-6001; or by visiting TCRC's website at: www.tcrcinfo.org.
WASHINGTON: If transportation or other services are canceled by the seller of travel, all sums paid to the seller of travel for services not performed in accordance with the contract between the seller of travel and the purchaser will be refunded within thirty (30) days of receiving the funds from the vendor with whom the services were arranged, or if the funds were not sent to the vendor, the funds shall be returned within fourteen (14) days after cancellation by the seller of travel to the purchaser unless the purchaser requests the seller of travel to apply the money to another travel product and/or date.
NEVADA:
RECOVERY FUND FOR CONSUMERS DAMAGED BY SELLERS OF TRAVEL
You may be eligible for payment from the Recovery Fund if you have paid money to a seller of travel registered in Nevada for the purchase of travel services or a vacation certificate and you have suffered certain financial damages as a result of the transaction. To obtain information relating to your rights under the Recovery Fund and the filing of a claim for recovery from the Recovery Fund, you may contact the Consumer Affairs Division of the Department of Business and Industry at the following locations:
SOUTHERN NEVADA: 1850 East Sahara Avenue, Suite 101, Las Vegas, Nevada 89104, Phone: 702.486.7355, Fax: 702.486.7371, e-mail: ncad@fyiconsumer.org
NORTHERN NEVADA: 4600 Kietzke Lane, Building B, Suite 113, Reno, Nevada 89502, Phone: 775.688.1800, Fax: 775.688.1803, e-mail: ncad@fyiconsumer.org
California CST#1022318-10, Washington UBI#600-469-694, Iowa TA#002, Nevada NV#2001-0126.

Spending Limits
Additional Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Additional Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply such as restaurant tips and hotel stays extended beyond their original reservation period and the overall Account capacity is taken into consideration. For more information on the application of the limit, please refer to the Spending Limit Terms & Conditions that will be included in the confirmation letter mailed to you after your limit is applied to each Additional Card.

Year-End Summary
The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.


For important information on policy terms, go to americanexpress.com/benefitsguide

Baggage Insurance Plan
American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0400, Policy AX0401, Policy BIP-AX0402, or Policy BIP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000100. 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. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, bus, except charters) with your eligible Card. 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. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For lost checked baggage, a written report of the loss must be filed with the Common Carrier. For carry-on baggage, a written report of the loss must be filed with a local law enforcement agency if theft is suspected. For full Terms and Conditions, see americanexpress.com/BIPterms.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. 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. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. 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. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

Employee Card Misuse Protection
Employee Card Misuse Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0960 or Policy ECMP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000102. 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. This benefit is not available to residents of Puerto Rico or U.S. Virgin Islands. Coverage applies to eligible unauthorized charges made by Additional Card Members only. Basic Card Member must cancel the Additional Card not more than two business days after the cessation of the Additional Card Member’s employment. Coverage period is limited to the 75 days prior to the Additional Card Member ceasing to be in the employ of the company. Basic Card Member will be required to provide proof of loss. For full Terms and Conditions, see americanexpress.com/ECMPterms.

Event Ticket Protection Plan
Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0974 or Policy ETP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000103. 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. Certain incidents are not covered, including but not limited to, non-emergency illness. You may be required to send additional documentation to us such as proof of loss or the unused ticket, in which case we will reimburse you for the shipping cost. This benefit is not available to residents of New York State, Puerto Rico and U.S. Virgin Islands. 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/ETPPterms.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. 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 $10,000 per occurrence; not to exceed $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. For full Terms and Conditions, see americanexpress.com/EWterms.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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, 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 $1,000 per occurrence; not to exceed $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. 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.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. 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, 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. 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.

 
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The Business Gold Rewards Card from American Express OPEN

Power to Purchase. Power to Earn.

Offer

Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership.1

Offer Terms

Welcome bonus offer not available to applicants who have had this product or any other Business Gold, Green or Platinum Card® account within the last 12 months.

Multiple Points on Purchases

  • 3X points on airfare purchased directly from airlines
  • 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers
  • 1X points on other purchases

Terms and limitations apply.2 3X and 2X apply to purchases up to $100,000 in each of the 5 industry categories per year (Computer Hardware, Software, and Cloud Computing is a single category).

Annual Fee

$0 introductory annual fee for the first year, then $175.3

Access to Additional Benefits
1 Welcome bonus offer not available to applicants who have had this product or any other Business Gold, Green or Platinum Card® account 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. American Express reserves the right to modify or revoke the offer at any time. You can earn the 25,000 additional 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 mailing 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 weeks after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card. 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.
*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.
3 The annual fee for the Business Gold Rewards Card will be waived for the first year of Card Membership. The annual fee will be $175.
I Membership Rewards® program: 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.
II 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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, 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 $1,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be instructed to send the purchased item to us. 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.
III 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. 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 $10,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be instructed to send the purchased item to us. This product is in excess of other warranty plans that you have in place for the eligible item. For full terms and conditions, see americanexpress.com/EWterms.