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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?

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Interested in reviewing this Card?

The Card at a glance

The SimplyCash Business Credit Card puts your business first by giving you an easier way to reinvest in your business by earning cash back on eligible purchases you make.

  • Automatic cash back credited to your account each month; no minimum spend thresholds, no rebate minimums, and no enrollment required. Cash back earned on eligible purchases and is automatically credited to your statement. Account must be in good standing.
  • The flexibility to pay your balance in full or to carry a balance, with a low introductory APR on purchases.
  • No annual membership fee

AUTOMATIC CASH BACK

No annual membership fee and no annual fee on Additional Cards for employees

OPEN SAVINGS®

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.

PURCHASE PROTECTION

You can get access to the services and benefits you need to keep your business moving forward

KEEP SCROLLING TO EXPLORE EVERYTHING THE CARD COMES WITH

Earn cash back on eligible purchases you make

HOW DOES THE CARD EARN YOU CASH BACK?

5%cash back at U.S. office supply stores

5%cash back on wireless telephone services purchased directly from U.S. service providers

3%cash back at U.S. gas stations

1%cash back on other purchases

  • Terms and limitations apply. 5% and 3% apply to purchases up to $12,000 in each of the 3 industry categories per year. Cash back earned is automatically credited to your statement.

Access to benefits that can make traveling easier

CAR RENTAL LOSS & DAMAGE INSURANCE*

  • Use your eligible SimplyCash Business Credit Card to reserve and pay for an eligible auto rental and simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. As a Cardmember you can be covered if the car is damaged or stolen. Coverage is available within the United States, its territories and possessions.

GLOBAL ASSIST® HOTLINE

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

ROADSIDE ASSISTANCE

  • Whether you need a tow or you run out of gas, we’ll send help your way 24 hours a day, 7 days a week. Emergency services like towing, fixing a flat, or boosting a battery are just a phone call away-even if you’re only a block from home-and you can use your Card to pay.

Maximize your rewards today

APPLY NOW Add to Saved Cards

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.

SimplyCash® Business 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 231 Reviews

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

1

10.10.2013

24

Wow.

Let me just say for the percentage of money you get back on your everyday business expenses one would think that there would be a high annual fee, Wrong! There is no fee what so ever and the fact that its a credit card and not just a charge card I now have more flexabilty with my payments. I am a small business owner that has been in operation for about 2 years now and this card has been an invaluable tool in the growth of my company. Also I was surprised at the amount of credit amx gave to my company (20000) which I thought to be very reasonable considering the size of my company.

Was this review helpful?

Flag as inappropriate
  • Industry:
  • Agriculture
  • Annual Revenue:
  • $50,000-$99,999
  • Cardmember Since:
  • 2012
  • 7.8.2013

    24

    awesome

    i feel so great to have this card with me . i would not be able to done those works without this card like it help me for more investment in my business by diffrens means.its actually helping me to grow my business . thanks

    Was this review helpful?

    Flag as inappropriate
    Ease of Use, Low Limit. See More Reviews

    4.4.2013

    24

    Ease of Use, Low Limit.

    For a no annual fee card, the Simply Cash is hard to beat. With instant cash back at the end of each statement cycle automatically credited, it's hassle free and generous (with the % distribution and built-in partner savings with OPEN).Only issue I have is that my limit is a paltry $3K, which is surprising, considering I also use the TrueSavings Business and the Business Platinum, both of which have astronomical limits.

    Was this review helpful?

    Flag as inappropriate
  • Industry:
  • Entertainment/Hospitality
  • Annual Revenue:
  • $200,000-$499,999
  • Cardmember Since:
  • 2011
  • Very Good Card See More Reviews

    10.18.2012

    24

    Very Good Card

    The Simply Cash Business Credit Card has been a benefit to my new small business. I have been able to do some much needed advertising and get my business off to a good start. They gave me a good line of credit at a decent rate. Thank-you.

    Was this review helpful?

    Flag as inappropriate
    PRO COMPUTER CLEANIN (WI)
    • Industry:
    • Consumer Goods & Services
    • Annual Revenue:
    • $50,000-$99,999
    • Cardmember Since:
    • 2012
    Card Review See More Reviews

    6.18.2012

    24

    Card Review

    I think it is a great card with great benifits.I use it for many of my business expeness to get cash back.

    Was this review helpful?

    Flag as inappropriate
  • Industry:
  • Retail/Wholesale
  • Annual Revenue:
  • $100,000-$199,999
  • Cardmember Since:
  • 1997
  • small business See More Reviews

    6.16.2012

    24

    small business

    Been very happy with Am Ex, customer service is excellent.

    Was this review helpful?

    Flag as inappropriate
    GILL INTERIORS
    • Industry:
    • Retail/Wholesale
    • Cardmember Since:
    • 2007

    3.9.2012

    24

    CEO

    Get unlimited cash back on business purchases you?re already making , and The option to carry a balance with interest and a spending limit.also No annual membership fee

    Was this review helpful?

    Flag as inappropriate
    MAGIC TOUCH INC. (FL)
    • Cardmember Since:
    • 2006
    President See More Reviews

    1.16.2012

    24

    President

    I've had this card for several years and it is by far the Best .The customer service is outstanding . You will never have a problem that you won't get solved .With this card You are number 1 and any issue will get solved with no hassle.

    Was this review helpful?

    Flag as inappropriate
    COUNTRY WOODS
    • Industry:
    • Retail/Wholesale
    • Annual Revenue:
    • $500,000-$999,999
    • Cardmember Since:
    • 2008
    Like American Express Business Card but? See More Reviews

    12.7.2011

    24

    Like American Express Business Card but?

    Hello American Express:I like your card very much so far but I do have some issues with it:Pros: Rewards, Fraud Protection, Statements and most important Dispute resolution.Cons: I have paid off my bill everymonth - more then just minmum balance and I have above 700 credit score and they would not increase my credit limit when I had a emergency. That is the main reason I am shopping around for a new business card.

    Was this review helpful?

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    A&M WINDOW DOOR MORE (IA)
    • Industry:
    • Retail/Wholesale
    • Annual Revenue:
    • $500,000-$999,999
    • Cardmember Since:
    • 2010
    Not so good See More Reviews

    12.6.2011

    24

    Not so good

    American Express business card is not excepted everywhere, I guess it costs merchants more than other cards. Also the cash rewards is not redeemed in the same month, which makes it really hard for me the customer to track, every other credit card I have tracks cash back or rewards in the monthly statement.Also the payments to account and purchases take longer to post than my other cards, it makes it frusturating when I need to make a big purchase and the card won't post payment fast enough. I plan on cancelling this card when my limits increase on my other business cards

    Was this review helpful?

    Flag as inappropriate
    SIGNATURE LAWN CORP (IL)
    • Industry:
    • Construction
    • Cardmember Since:
    • 2010

    Showing 1 to 10 of 231 Reviews

    1

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