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  • Discover what small business owners are saying about their OPEN cards.

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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?

COMPARE MOST POPULAR CARDS
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CARDS

Click any Card to learn more. Or add and remove Cards to customize your comparison.

  • Rewards for Each Dollar Spent on Eligible Purchases
  • 5% cash back at U.S. office supply stores Terms and limitations apply. 5% applies to purchases up to $12,000 per year. Cash back earned is automatically credited to your statement.

  • 1X points for eligible purchases you make

  • 3X points at restaurants and office supply stores in the US, and on wireless telephone services purchased directly from US service providers
    2X points at Lowe's
    1X points on other purchases
    Terms and limitations apply.
    Points can be redeemed for Lowe's Gift Cards and American Express® Gift Cards.

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  • Additional Rewards
  • Welcome Bonus: 10,000 points after your first purchase. Plus, get a low introductory APR and receive 30% more points each year.

  • Ask for 5% Off from Lowe's on certain Lowe's Purchases

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  • Airport Club Access
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  • Guaranteed Room Reservations
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  • Car Rental Benefits
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  • Air Travel Benefits
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  • 24/7 Roadside Assistance
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  • 24/7 Travel Emergency Assistance
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  • Concierge Services
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  • Event Ticket Protection Plan*
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  • Business Services
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  • Special Seating at Events
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  • Purchase Protection*
  • Coverage is limited up to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

  • Coverage is limited up to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

  • Coverage is limited up to $1,000 per occurrence, up to $50,000 per Cardmember account per calendar year

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  • Monthly Balance Due in Full
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  • Flexible Payments Over Time
  • Can carry a balance with interest and a spending limit

  • Can carry a balance with interest and a spending limit

  • Can carry a balance with interest and a spending limit

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  • Annual Membership Fee
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    none

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    None

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    no annual fee

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  • Cash Advance Fee
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    $5 or 3% of the amount

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    $5 or 3% of the amount

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    $5 or 3% of the amount

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  • Foreign Transaction Fee
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    2.7%

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    2.7%

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    2.7%

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  • Late Payment Fee
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    Up to $35

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    Up to $35

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    Up to $35

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  • Over-the-Credit Limit Fee
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    None

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    None

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    None

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  • Returned Payment Fee
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    $35

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    $35

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    $35

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  • APR for Purchases
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    0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.24%,17.24% or 19.24%

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    Introductory 0% for up to 12 months, then 11.24%,15.24% or 19.24%

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    13.24%,15.24% or 18.24%

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  • APR for Cash Advances
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    21.24%

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    21.24%

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    21.24%

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  • APR for Penalties
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    27.24%

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    27.24%

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    27.24%

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  • What you get with every Card

    Benefits

    American Express® Card members get access to benefits that can help protect your purchases and identity.

    FOR YOUR PURCHASES

      Extended Warranty*

    • Use your Card for your new purchases and you can have an extra layer of protection. 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 up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card member account per calendar year.

    FOR YOUR IDENTITY

        

      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.

    Account Management

     

    ReceiptMatchSM

    Simplify the way you manage receipts with ReceiptMatchSM. This new feature of your Business Card from American Express OPEN digitally matches and stores images of your receipts to your online statement. Use ReceiptMatch to help your business spend less time sorting receipts, manage expenses as you go, and stay organized.

    Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

    Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card purchases and more.

    Authorized Access

    Authorize employees or third parties to manage your account online.

    Support

    American Express offers the tools and the representatives that can help support your business when you need them.

    BUSINESS TOOLS AND RESOURCES

      Card member Business Service

      Call 24/7 for one-on-one help, dedicated to small business owners like you. You'll speak with OPEN representatives who are interested in understanding your business and will focus on helping you solve your issues.

    OPEN Forum®

    Network with other Card members, plus access exclusive articles and videos featuring industry experts that can help your business grow.

    Click a Card to add to your comparison.
    Business Platinum Card®
    Delta Reserve for Business Credit Card
    Platinum Delta SkyMiles® Business Credit Card
    Business Gold Rewards Card
    Business Green Rewards Card
    The Plum Card®
    Gold Delta SkyMiles® Business Credit Card
    Starwood Preferred Guest® Business Credit Card
    TrueEarnings® Business Card from Costco and American Express
    Lowe's Business Rewards Card from American Express
    SimplyCash® Business Card
    Blue for Business® Credit Card
    Receive Offers and info

    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

     

    Saved and Recently Viewed Cards

         

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