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Business Credit Cards and Charge Cards designed for small and mid-sized businesses

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All Cards (12)

The Business Gold Rewards Card
The Business Platinum Card
Hilton Honors American Express Business Card

The Business Gold Rewards Card

$0 introductory annual fee for the first year, then $175¤

The Business Platinum Card®

$450 Annual Fee¤
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
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 and 35% Airline Bonus
  • Access to 1,000+ Global Airport Lounges
Travel with rewards that go beyond business
  • Earn 6X on Select Business And Travel Purchases
  • Complimentary Gold Status
  • APR on purchases will be a variable rate, currently 16.99% to 25.99%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Special Offer
Earn statement credits for 3 months of G Suite by Google Cloud, up to $1,500
Sign up for G Suite by Google Cloud and get Gmail, Docs, Drive, and Calendar for business. Earn dollar-for-dollar statement credits for purchases of G Suite on your Card during your first 3 months of Card Membership up to $1,500 total.
Earn 50,000 Membership Rewards® points
after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
Welcome Offer
Earn up to 75,000 Membership Rewards® points
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases on the Business Platinum Card within your first 3 months of Card Membership.
Welcome Offer
Earn up to 100,000 Hilton Honors Bonus Points
Earn 75,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership and an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months.
The Plum Card
SimplyCash Plus Business Credit Card
Starwood Preferred Guest Business Credit Card

The Plum Card®

$0 introductory annual fee your first year, then $250¤

Starwood Preferred Guest® Business Credit Card

$0 introductory annual fee for the first year, then $95¤
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 calender year
  • 1% cash back on other purchases on your business credit card
  • 0.0% introductory APR on purchases for 9 months. After that your APR will be a variable rate, currently 13.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Starpoints® take your business farther
  • Earn up to 5 Starpoints for each dollar of eligible purchases at participating SPG® hotels
  • Free nights and free flights with your business credit card. Some hotels and resorts may have mandatory service charges.
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Welcome Offer
Earn 25,000 bonus Starpoints®
after you use your Card to make $5,000 in purchases within the first 3 months.
Gold Delta SkyMiles Business Credit Card
Business Green Rewards Card
Blue Business Plus Credit Card

Gold Delta SkyMiles® Business Credit Card

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

Business Green Rewards Card

$0 introductory annual fee for the first year, then $95¤
Earn miles to pay for more Delta travel
  • Earn 2 miles on Delta purchases with your business credit card
  • Check your first bag free and early boarding
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
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
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
  • 0.0% introductory APR on purchases and balance transfers for 15 months. After that your APR will be a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Welcome Offer
Earn 30,000 Bonus Miles
after you spend $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. With Pay with Miles for every 5,000 bonus miles redeemed, that is $50 off the cost of your ticket when booking on Delta.com.
Welcome Offer
Earn 5,000 Membership Rewards® points
after your first purchase on the Card within the first year of Card Membership.
Platinum Delta SkyMiles Business Credit Card
Delta Reserve for Business Credit Card
Lowe's Business Rewards Card from American Express
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 for $29
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Turn travel time into more productive time
  • Complimentary Delta Sky Club® Access
  • Priority Boarding and first checked bag free on Delta flights with your business credit card
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
The Card that rewards you for shopping at Lowe's
  • 5% off everyday at Lowe's
  • Receive points redeemable for gift cards and more
  • APR on purchases will be a variable rate, currently 14.49%, 16.49% or 19.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Welcome Offer
Earn 5,000 Medallion® Qualification Miles (MQMs)
and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. With Pay with Miles for every 5,000 bonus miles redeemed, that's $50 off the cost of your ticket when booking on Delta.com. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Welcome Offer
Earn 40,000 Bonus Miles
and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. For every 5,000 bonus miles redeemed, that's up to $50 off the cost of a Delta ticket when you redeem using Pay with Miles on Delta.com.
The Business Gold Rewards Card
$0 introductory 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
Special Offer
Earn statement credits for 3 months of G Suite by Google Cloud, up to $1,500
Sign up for G Suite by Google Cloud and get Gmail, Docs, Drive, and Calendar for business. Earn dollar-for-dollar statement credits for purchases of G Suite on your Card during your first 3 months of Card Membership up to $1,500 total.
Earn 50,000 Membership Rewards® points
after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
The Business Platinum Card
$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 and 35% Airline Bonus
  • Access to 1,000+ Global Airport Lounges
Learn More
Welcome Offer
Earn up to 75,000 Membership Rewards® points
Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases on the Business Platinum Card within your first 3 months of Card Membership.
Travel with rewards that go beyond business
  • Earn 6X on Select Business And Travel Purchases
  • Complimentary Gold Status
  • APR on purchases will be a variable rate, currently 16.99% to 25.99%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Learn More
Welcome Offer
Earn up to 100,000 Hilton Honors Bonus Points
Earn 75,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership and an additional 25,000 Bonus Points after you make an additional $1,000 in purchases with your new Card within your first 6 months.
The Plum Card
$0 introductory annual fee your 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 calender year
  • 1% cash back on other purchases on your business credit card
  • 0.0% introductory APR on purchases for 9 months. After that your APR will be a variable rate, currently 13.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Learn More
Starwood Preferred Guest Business Credit Card
$0 introductory annual fee for the first year, then $95¤
Starpoints® take your business farther
  • Earn up to 5 Starpoints for each dollar of eligible purchases at participating SPG® hotels
  • Free nights and free flights with your business credit card. Some hotels and resorts may have mandatory service charges.
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Learn More
Welcome Offer
Earn 25,000 bonus Starpoints®
after you use your Card to make $5,000 in purchases within the first 3 months.
Gold Delta SkyMiles Business Credit Card
$0 introductory annual fee for the first year, then $95¤
Earn miles to pay for more Delta travel
  • Earn 2 miles on Delta purchases with your business credit card
  • Check your first bag free and early boarding
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Learn More
Welcome Offer
Earn 30,000 Bonus Miles
after you spend $1,000 in purchases on your new Card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months. With Pay with Miles for every 5,000 bonus miles redeemed, that is $50 off the cost of your ticket when booking on Delta.com.
Business Green Rewards Card
$0 introductory 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
Welcome Offer
Earn 5,000 Membership Rewards® points
after your first purchase on the Card within the first year of Card Membership.
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
  • 0.0% introductory APR on purchases and balance transfers for 15 months. After that your APR will be a variable rate, currently 12.49%, 16.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
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 for $29
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Learn More
Welcome Offer
Earn 5,000 Medallion® Qualification Miles (MQMs)
and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months. With Pay with Miles for every 5,000 bonus miles redeemed, that's $50 off the cost of your ticket when booking on Delta.com. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
Turn travel time into more productive time
  • Complimentary Delta Sky Club® Access
  • Priority Boarding and first checked bag free on Delta flights with your business credit card
  • APR on purchases will be a variable rate, currently 16.49%, 18.49% or 20.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
Learn More
Welcome Offer
Earn 40,000 Bonus Miles
and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. For every 5,000 bonus miles redeemed, that's up to $50 off the cost of a Delta ticket when you redeem using Pay with Miles on Delta.com.
The Card that rewards you for shopping at Lowe's
  • 5% off everyday at Lowe's
  • Receive points redeemable for gift cards and more
  • APR on purchases will be a variable rate, currently 14.49%, 16.49% or 19.49%, based on your creditworthiness and other factors as determined at the time of account opening.¤
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:

  • American Express OPEN
  • Benefits of an American Express OPEN Small Business Credit Card
  • Benefits of an American Express OPEN Small Business Charge Card
  • Using Your American Express OPEN Small Business Credit Card or Charge Card
  • Applying for an American Express OPEN Small Business Credit or Charge Card

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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