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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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The Card at a glance

The Plum Card from American Express OPEN gives you more flexible payment options. You can get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Also, enjoy other unique benefits like:

  • Cardmembership from American Express OPEN
  • Pay no annual fee for your first year of membership. Then, pay $250 annually. No annual fee for Additional Cards for employees.

1.5% Cash Back

Pay your bill early to get a 1.5% discount, which you can use to buy inventory, supplies and other business necessities.

DEFER PAYMENT

Take up to 60 days to pay, without interest, so you can keep the cash you need on hand.

Purchasing Power

Purchasing power that can adjust as your business evolves

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Choose your monthly payment term based on cash flow needs

EARLY PAY DISCOUNT

  • Get a 1.5% discount on the portion of your balance that you pay within 10 days of your statement closing date as long as you pay at least your minimum payment due.
  • Your discount will appear as a credit on your next statement.

EXTRA DAYS TO PAY

  • Take up to 60 days to pay, without interest, so you can keep the cash you need on hand.

SET YOUR BILLING CYCLE

  • For even more cash flow flexibility, you can choose whether to receive your bill at the beginning, middle, or end of the month.

Travel easier with insurance and assistance from OPEN

CAR RENTAL LOSS & DAMANGE INSURANCE*

  • Simply use your eligible Card to reserve and pay for an auto rental and decline the collision damage waiver at the rental counter. As a Cardmember you can be covered if the car is damaged or stolen.

GLOBAL ASSIST® HOTLINE

  • Guarantees you 24/7 medical, legal, financial, and emergency assistance when you're more than 100 miles from home.

ROADSIDE ASSISTANCE

  • Guarantees you 24/7 help, even if you're only a block from home — whether you've got a flat, empty tank, or need a tow to the nearest garage.

TRAVEL ACCIDENT INSURANCE*

  • Worry less about the unthinkable happening to you on your Covered Trip. If an accident causes your Death, membership can provide added financial security to your beneficiaries. Travel Accident Insurance covers travel by plane, train, ship, bus, or helicopter.

Payment Flexibility to Power Your Business

Maximize your rewards today

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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.

The Plum Card® Ratings and Reviews

Add a review

Click here to write your own review about an American Express OPEN Card.

Showing 1 to 10 of 61 Reviews

Sort Reviews By: Newest | Highest Rated | Oldest | Most Helpful

1

overruled See More Reviews

1.9.2014

7

overruled

The Plum Card is a very useful tool in our everyday operations, Reports and transactions are easy to get off the site and the early pay discounts do make a difference. The concept is great, with early pay discount and the option to differ part of the balance makes this card flexible and valuable for our company.

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PLYMOUTH FLEET LLC (PA)
  • Industry:
  • Transportation & Logistics
  • Annual Revenue:
  • $2,000,000-$9,999,999
  • Cardmember Since:
  • 1984
great card! See More Reviews

8.18.2012

7

great card!

love americanexpress. Always checking to be sure charges are valid- great customer service and security checks. We appreciate the rewards program. We love the fact that we can use the cards easily internationally and apprecaiate the use of the gold card.

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Great Card See More Reviews

7.10.2012

7

Great Card

Great Card! I like the discount promotion that this card offers... no complaint..

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  • Industry:
  • Construction
  • VICE PRESIDENT See More Reviews

    12.5.2011

    7

    VICE PRESIDENT

    Best Card out on the market for cash back rewards. Needs to have no foreign transaction fee and reward points.

    Was this review helpful?

    Flag as inappropriate
    GENERAL CHEMICAL (MI)
    • Industry:
    • Chemicals
    • Annual Revenue:
    • $2,000,000-$9,999,999
    • Cardmember Since:
    • 2008
    Worst card ever See More Reviews

    11.16.2011

    7

    Worst card ever

    Not a good card for a business trying to finish a remodel. Credit availability is based on each transaction not your total credit history with AMEX.

    Was this review helpful?

    Flag as inappropriate
  • Industry:
  • Food & Beverage
  • Annual Revenue:
  • $500,000-$999,999
  • Cardmember Since:
  • 2005
  • President See More Reviews

    9.19.2011

    7

    President

    I wish that the card would offer points! I do like the cash back feature but it should also include a points reward.

    Was this review helpful?

    Flag as inappropriate
    STEPJEN ENTERPRISES (RI)
    • Industry:
    • Food & Beverage
    • Annual Revenue:
    • $100,000-$199,999
    • Cardmember Since:
    • 1989
    I'm seeing through plum colored glasses See More Reviews

    6.17.2011

    7

    I'm seeing through plum colored glasses

    I basically just wanted to review your customer service for my recent application for and activation of my plum card. Flat out, your customer service is fantastic and is the reason I continually choose AMEX over other card companies. My activation was simple and achieved everything I wanted within 10 minutes. The customer service rep was knowledgable, friendly, and extremely competent. Also, being able to view, manage, and pay both of my amex cards from the same login is a big time saver and I really appreciate it. The biggest reason I chose amex to begin with was the ease of understanding and using the bill pay UI on your website. Kudos to your amex business card team members (except the people who created that ridiculous slide around to view card options thing - that's awful).

    Was this review helpful?

    Flag as inappropriate
  • Cardmember Since:
  • 2008
  • EASY CASH See More Reviews

    3.15.2011

    7

    EASY CASH

    GOOD OLD CASH.. NO GAMES , PRIZES,GIFTS. JUST CASH. I SAVE 18000.00 PER YEAR. + GREAT CUSTOMER SERVICE.

    Was this review helpful?

    Flag as inappropriate
  • Industry:
  • Printing & Publishing
  • Annual Revenue:
  • $1,000,000-$1,999,999
  • Cardmember Since:
  • 1979
  • 12.27.2010

    7

    G.M

    I can't live without my American express: I do all my shopping including my restaurant supplies.No questions asked and check out is fast and trouble free.

    Was this review helpful?

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    BEEF & BRANDY REST (IL)
    • Industry:
    • Food & Beverage
    • Annual Revenue:
    • $1,000,000-$1,999,999
    • Cardmember Since:
    • 1995
    Great card See More Reviews

    12.26.2010

    7

    Great card

    LOVE the ability to get a discount on purchases. Possessing this card has been directly responsible for our being able to hire another employee.

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    MARDUN SOFTWARE (MO)
    • Industry:
    • Retail/Wholesale
    • Annual Revenue:
    • $2,000,000-$9,999,999
    • Cardmember Since:
    • 1993

    Showing 1 to 10 of 61 Reviews

    1

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