Consider non-cash ways to make purchases. Credit-card rewards programs and frequent-flyer points can be effective cash substitutes.And with the The Gold Card from OPENSM, it’s easy to earn these rewards from your budgeted business expenses. By putting all your monthly bills on your Card — wireless, phone, electric, shipping, cable, internet — you can watch your Membership Rewards® points add up fast, and you can put more back into your business by redeeming for flights, office supplies, and much more.