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Get more points where your business spends more
Get 3X points on the category where you spend the most for your business. Pick from one of 5 categories.
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Explore Business Credit Cards by Category

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  • Travel Rewards

  • Cash Back

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All Cards (12)

Business Platinum Card
Business Gold Rewards Card
Blue Business Plus Credit Card

Business Platinum Card®

$450 Annual Fee¤

Business Gold Rewards Card

$0 intro annual fee for the first year, then $175¤
Enjoy premium travel experiences and elevate your business rewards potential.
  • Get 5X Membership Rewards® points on flights and prepaid hotels booked at amextravel.com
  • 50% more points on large business purchases(that's an extra half point per dollar) and 35% Airline Bonus
  • Step inside the Global Lounge Collection, an exclusive benefit of your Business Platinum Membership, giving you access to over 1,100 lounges across 120 countries through five distinctive programs.
Get more points where your business spends more
  • Get 3X points on the category where you spend the most for your business. Pick from one of 5 categories.

  • Get 2X points on the remaining 4
  • Easy expense management tools with the Business Gold Rewards Card
Fuel your vision with 2x points
  • Earn 2x Membership Rewards® points on everyday business purchases up to $50K with no category restrictions
  • 1X Points on purchases thereafter

Starwood Preferred Guest® Business Credit Card

$0 intro annual fee for the first year, then $95¤
Make business purchases even more rewarding
  • Earn 6 points for each dollar of eligible purchases at over 6,500 participating SPG® and Marriott Rewards® hotels across 29 brands.
  • Earn 4 points for each dollar at select business and travel categories.
Make business travel more rewarding
  • Earn up to 20,000 additional Medallion® Qualification Miles (MQMs) with Miles Boost®
  • Discounted Delta Sky Club® Access with your Business Credit Card
Travel with rewards that go beyond business
  • Earn 12X per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
  • Complimentary Gold Status

Gold Delta SkyMiles® Business Credit Card

$0 intro annual fee for the first year, then $95¤

Plum Card®

$0 intro annual fee for the first year, then $250¤
Earn 2 Miles
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta
  • Check your first bag free and priority boarding
Built in flexibility to help you manage your cash flow
  • A 1.5% Early Pay Discount with no cap
  • Take up to 60 days to pay with no interest
  • Employee Cards at no additional annual fee
Best for business owners seeking simple automatic cash back
  • 3% cash back on category of your choice from a list of select categories up to 50K per calendar year
  • 1% cash back on other purchases on your business credit card

Business Green Rewards Card

$0 intro annual fee for the first year, then $95¤
Turn travel time into more productive time
  • Earn up to 20,000 additional Medallion® Qualification Miles (MQMs) with Miles Boost®
  • Priority Boarding and first checked bag free on Delta flights with your business credit card
Rewards and purchasing power
  • Flexible spending limit that can adjust over time
  • 2X points for each dollar you spend on eligible purchases at amextravel.com
  • 1X points for each dollar you spend on eligible purchases
The Card that rewards you for shopping at Lowe's
  • 5% off everyday at Lowe's
  • Receive points redeemable for gift cards and more
$450 Annual Fee¤
Enjoy premium travel experiences and elevate your business rewards potential.
  • Get 5X Membership Rewards® points on flights and prepaid hotels booked at amextravel.com
  • 50% more points on large business purchases(that's an extra half point per dollar) and 35% Airline Bonus
  • Step inside the Global Lounge Collection, an exclusive benefit of your Business Platinum Membership, giving you access to over 1,100 lounges across 120 countries through five distinctive programs.
Learn More
$0 intro annual fee for the first year, then $175¤
Get more points where your business spends more
  • Get 3X points on the category where you spend the most for your business. Pick from one of 5 categories.

  • Get 2X points on the remaining 4
  • Easy expense management tools with the Business Gold Rewards Card
Learn More
Fuel your vision with 2x points
  • Earn 2x Membership Rewards® points on everyday business purchases up to $50K with no category restrictions
  • 1X Points on purchases thereafter
Learn More
$0 intro annual fee for the first year, then $95¤
Make business purchases even more rewarding
  • Earn 6 points for each dollar of eligible purchases at over 6,500 participating SPG® and Marriott Rewards® hotels across 29 brands.
  • Earn 4 points for each dollar at select business and travel categories.
Learn More
Make business travel more rewarding
  • Earn up to 20,000 additional Medallion® Qualification Miles (MQMs) with Miles Boost®
  • Discounted Delta Sky Club® Access with your Business Credit Card
Learn More
Travel with rewards that go beyond business
  • Earn 12X per dollar for purchases made directly with hotels and resorts in the Hilton portfolio
  • Complimentary Gold Status
Learn More
$0 intro annual fee for the first year, then $95¤
Earn 2 Miles
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta
  • Check your first bag free and priority boarding
Learn More
$0 intro annual fee for the first year, then $250¤
Built in flexibility to help you manage your cash flow
  • A 1.5% Early Pay Discount with no cap
  • Take up to 60 days to pay with no interest
  • Employee Cards at no additional annual fee
Learn More
Best for business owners seeking simple automatic cash back
  • 3% cash back on category of your choice from a list of select categories up to 50K per calendar year
  • 1% cash back on other purchases on your business credit card
Learn More
Turn travel time into more productive time
  • Earn up to 20,000 additional Medallion® Qualification Miles (MQMs) with Miles Boost®
  • Priority Boarding and first checked bag free on Delta flights with your business credit card
Learn More
$0 intro annual fee for the first year, then $95¤
Rewards and purchasing power
  • Flexible spending limit that can adjust over time
  • 2X points for each dollar you spend on eligible purchases at amextravel.com
  • 1X points for each dollar you spend on eligible purchases
Learn More
The Card that rewards you for shopping at Lowe's
  • 5% off everyday at Lowe's
  • Receive points redeemable for gift cards and more
Learn More

Enjoy exceptional rewards and benefits of Business Credit Cards and Charge Cards from American Express

Make the most out of your company's purchases.

  • Rewards

    Earn Membership Rewards® points, cash back in the form of a statement credit or partner rewards for purchases you and your employees make with your Business Credit Cards or Charge Cards.

    Learn More
  • Buying Power

    Gain buying power to help conveniently pay for large business purchases. American Express Business Credit Cards and Charge Cards are designed to fund businesses in a big way.

    Learn More
  • Expense Tools

    Leverage a suite of expense management tools to track and organize your business expenses and help you efficiently manage your cash flow with Business Credits Cards and Charge Cards from American Express OPEN.

    Learn More
  • Support

    World-class customer support 24/7 with Customer Care Professionals specially trained to understand the needs of business owners.

    Learn More
Frequently Asked Questions (FAQs)

American Express OPEN offers a range of Small Business Credit Cards and business Charge Cards to help your business grow. Enjoy benefits across our suite of products such as cash back in the form of a statement credit, travel rewards, flexible payment options, and Membership Rewards® points. Choose the Small Business Credit Card or Charge Card from American Express OPEN that's right for your business.

Below are some Frequently Asked Questions to help you select the Small Business Credit Card or Charge Card that's best for your business:

Benefit Terms

Cash back with SimplyCash® Plus

Cash back can be received on eligible purchases made on your SimplyCash® Plus Business Credit Card. The cash back is based on a percentage of the eligible purchases you make during each billing period and will be automatically credited to your account as a statement credit. The statement credit will automatically appear on the second billing statement you receive after the billing statement with the eligible purchases. You will not receive a statement credit for eligible purchases made if you do not pay the minimum payment due by the Closing Date of the billing period in which it is due, or if your Card account is cancelled before the credit is issued. For each calendar year (starting January 1st and ending December 31st), you will receive a statement credit of: 5% on your first $50,000 of eligible purchases made in the following two categories combined, (1) monthly wireless telephone services purchased directly from wireless telephone service providers in the U.S. (purchases of hardware and equipment, and purchases from third parties and resellers, are excluded) and (2) office supplies purchased directly from U.S. office supply stores (supplies purchased at other retail stores are excluded); 3% on your first $50,000 of eligible purchases made in the category that you select (see below for more on the available categories and how to make your selection); 1% on all other eligible purchases, including purchases in the 5% category after your first $50,000 and in the 3% category after your first $50,000.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

You may select your 3% cash back category from the following eight categories: (1) airfare purchased directly from airlines, (2) hotel stays (excluding timeshares, banquets and events), (3) purchases from select major car rental companies listed at americanexpress.com/rewards-info, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) purchases made in the U.S. for shipping, or (7) purchases made in the U.S. for advertising in select media, and (8) computer hardware, software, and cloud computing purchases made in the U.S. directly from select providers. (The current list of select computer hardware, software, and cloud computing providers is available at: americanexpress.com/rewards-info). For more details on these categories, including important terms and limitations, please go to americanexpress.com/rewards-info. You may select your 3% cash back category from the list described above within the first two months of Card Membership. Thereafter, you can change your selection once a year during the annual selection period which runs from December 1st to January 31st. You can make your category selection by either calling the number on the back of your Card or going to open.com/simplycashplus. You will receive your 3% rebate on purchases at U.S. gas stations unless and until you select a different category. Once you make your selection, it will be applied starting on the day on which you make your selection. If you do not change your 3% category during the annual selection period, your category will remain the same as the previous year. Only the Basic Card Member or Authorized Account Manager with full access may make the selection, and their selection will apply to purchases made by all Card Members on the account.

Merchants are assigned codes based on what they primarily sell. A purchase will not receive more than 1% cash back if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will receive a 1% cash back. A purchase may not receive more than 1% cash back if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

Additional terms and restrictions apply.

Earning Cash Back

How you will get the cash back: You will receive cash back as a statement credit. Cash back will appear on the second billing statement after the billing statement on which the eligible purchases appear. You will not receive cash back if your Card account is cancelled or in default at the time of fulfillment.

Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to Visit www.membershiprewards.com/pointsinfo

No Interest Charges

If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time.

Pay Over Time Feature

If eligible, you may be given the option to enroll in a Pay Over Time feature that allows you to pay certain purchases over time. If you choose to enroll in this feature, you will accrue interest on eligible purchases when you choose to carry a balance.

Plum Early Pay Discount

Get a 1.5% discount on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due by your Payment Due Date. The discount will appear as a credit on the following billing statement. Eligible charges are purchases for goods and services minus returns and other credits. Eligible charges do NOT include previously deferred amounts, past due amounts, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

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