A little payment flexibility can be a big advantage for businesses like yours. That’s why Flexible Payment Option (FPO) is available on your American Express® Business Card.
FPO gives you the option to carry forward a portion of your monthly Closing Balance, up to your FPO Credit Limit each month. With an instant line of credit – and no credit applications required – you can free up your cash flow in moments that matter.
How does it work?
It’s simple. Each month, your statement shows your Closing Balance and the Minimum Amount Due. You can either pay your Closing Balance in full to avoid interest charges1, or pay any Amount above your Minimum Amount Due to extend your cash flow. The choice is yours.
Extend your cash flow by paying as little as the Minimum Amount Due each month1. Interest charges apply.
Keep paying your Closing Balance in full each month and pay no interest1.
Get familiar with FPO by seeing how it looks on your statement.
How is the Minimum Amount Due calculated?
The Minimum Amount Due is made up of:
2.5% of your Closing Balance up to FPO Credit Limit
$30 (whichever is greater)
Any overdue balance or fees charged by American Express, including the annual fee
Any balance exceeding your FPO Credit Limit
A handy, hassle-free way to manage payments
Frequently asked questions
FPO is a feature that is available for eligible Business Charge Card Accounts, where you’ll have the choice to carry forward a portion of your monthly balance when you want to, up to your FPO Credit Limit.
You can either check your monthly statement, where you should see a Minimum Amount Due section and interest rate, or alternatively contact American Express to verify that FPO is activated on your Account.
When paying your Account balance each month, you have the choice to pay the full Closing Balance, Minimum Amount Due, or any amount in between. Interest charges will apply when you don’t pay the full Closing Balance.
The Minimum Amount Due1 is calculated as follows:
The greater of $30 or 2.5% of your Closing balance up to your FPO Credit Limit
+ any overdue balance or fees charged by American Express;
+ any balance exceeding your FPO Credit Limit.
All purchases made on your Card are eligible while your Account is in good standing. However, you can only carry forward a balance up to your FPO Credit Limit into the next statement period.
Please refer to your monthly statement of your FPO Financial Table.
If you incur charges in relation to business expenses purchased using your Card, you may be able to claim a tax deduction for the amount that you pay. Please note that this is not tax advice and you are advised to consult with your accountant or tax adviser for more information on this.
FPO will not impact the amount you can spend on your Card. It will only impact the balance you can carry from one statement period to the next.
You can continue to pay the total Closing balance on your Account each month without utilizing FPO. To opt out, please contact American Express by calling the number on the back of your Card.
Yes, if you demonstrate poor payment history, our credit team will suspend the FPO feature on your Account. You may still be able to spend on the Card.
An instant line of credit in your back pocket, for you to use when you choose. FPO lets you put plans into action, whether it’s business expansion, staff training, some much-needed repairs or new equipment purchases – without depending on an overdraft, or business loan or putting up additional security.
You will only receive one statement. For information on how to read your new statement, please go to the ‘See FPO on your statement’ section of the landing page.
Yes. If you are enrolled to receive Rewards, you will continue to earn points in accordance with your current Rewards program.
Any other questions?
If you have any other questions regarding FPO, or would like to opt out of this feature, please contact your Account Manager or call the number on the back of your Card.