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Charge Card

  • Paid in full every month
  • Flexible spending limit that can adjust over time

Membership Rewards® Points

  • 3X points on airfare purchased directly from airlines
  • 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers
  • 1X points on other purchases
  • Terms and limitations apply. 3X and 2X apply to purchases up to $100,000 in each of the 5 industry categories per year (Computer Hardware, Software and Cloud Computing is a single category).

Annual Fee


  • $0 introductory annual fee for the first year, then $175
  • $0 introductory annual fee for Additional Business Gold Rewards Cards in the first year; then, $50 for the first Additional Business Gold Rewards Card and no fee for other Additional Cards

Good For

  • Frequent Travelers

    3X points on airfare purchased from airlines, 2X points at US gas stations Up to $100,000 in each category per year, then 1 point.

  • E-Commerce Businesses

    Earn 2X points on U.S. purchases for shipping. Terms and limitations apply. 2X applies to purchases up to $100,000 per year.

  • Advertising

    Earn 2X points on U.S. purchases for advertising in select media. Terms and limitations apply. 2X applies to purchases up to $100,000 per year.

  • Business Tools

    Access tools like online statements, Account Alerts, and ReceiptMatchSM to help keep your expenses organized and streamlined.

  • Rewards

    Membership Rewards® Points

    Earning Membership Rewards points is easy, and they’re a valuable resource that can be used toward business and personal expenses. Use points for over a million rewards from many of your favorite brands, restaurants, and retailers at

    Membership Rewards® Pay with Points

    Use points to pay for flights, hotels booked and paid in advance (prepaid hotels), and vacation packages through the Pay with Points program. You can pay for all or part of your trip with points through, plus you'll still earn frequent flyer miles and there's no blackout dates or seat restrictions.

    Travel benefits image

    OPEN Savings®

    Boost the value you get from the Enhanced Business Gold Rewards Card with the built-in OPEN Savings benefit. It’s designed to automatically get you up to 4 extra Membership Rewards points for every eligible dollar spent with OPEN Savings partners including FedEx, Hertz®, and more. If you prefer, you can choose to get up to a 10% discount as your OPEN Savings benefit. Discounts will be applied in the form of a statement credit.


  • Benefits

    Travel benefits image

    Purchase Protection

    When something you buy breaks or is stolen, Purchase Protection can have you covered. Use your Card for eligible purchases, and your purchases can be protected from accidental damage or theft for up to 90 days from the moment you buy them. Please read important exclusions and restrictions.

    Car Rental Loss and Damage Insurance

    When you use your eligible Card to reserve and pay for the entire eligible auto rental and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. This product provides secondary coverage and does not include liability coverage.

    Baggage Insurance Plan

    Travel more comfortably knowing you can be covered by the Baggage Insurance Plan when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, helicopter, or bus) on your eligible Card. Coverage can be provided for up to $1,250 for carry-on baggage and up to $500 for checked baggage. For New York State residents, there is a $10,000 aggregate maximum limit for all Covered Persons per Covered Trip. Please read important exclusions and restrictions.

    Global Assist® Hotline

    When you travel more than 100 miles from home, you have 24/7 access to medical, legal, financial or other select emergency coordination and assistance services, including medical and legal referrals, assistance with cash wires, passport replacement, missing luggage and more. Card Members are responsible for the costs charged by third-party service providers.

    Premium Roadside Assistance

    Your car breaks down or you blow a tire. Now what? Luckily you’re a Card Member. Just call us to change a flat, jumpstart a battery, or get a tow up to 10 miles. We will pay for included emergency services up to four times a year, even if you're in your driveway. With one call, help is on the way. And soon you’ll be on yours. There are some vehicle exclusions and other important restrictions.

    Travel Accident Insurance

    Travel Accident Insurance can provide up to $100,000 in accidental death and dismemberment coverage while traveling on a Common Carrier (plane, train, ship, helicopter, or bus) when the entire fare** has been charged to the eligible Card. Please read important exclusions and restrictions.

    No Pre-set Spending Limit*

    The Business Gold Rewards Card has no pre-set spending limit, which gives you purchasing power that can adjust with your use of the Card and other factors.

    *No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

    Extended Warranty

    With Extended Warranty you can shop with less worry knowing the terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of 5 years or less that are eligible in the U.S. Please read important exclusions and restrictions.

  • Benefits with Every Business Card from American Express OPEN

    Dispute Resolution

    We begin investigating any unauthorized charge as soon as you make us aware of it, and you are not responsible for paying the charge until your case is resolved.


    ReceiptMatch is a feature included with Business Cards from American Express OPEN that digitally matches and stores images of your receipts to your online statement so you can easily manage them from anywhere using your desktop or mobile devices.

    Account Alerts

    Set up Alerts so you can avoid late payments, be notified of irregular activity, or monitor Employee Card spending and more.

    Account Manager

    Appoint one of your associates to help manage your account, choosing from two levels of access that are tailored to your needs.

    Online Statements

    View your purchase history, prepare reports to invoice customers, and budget your expenses.

    Mobile and Tablet Apps

    Pay your bill, check your balance, view your benefits, and more from your mobile phone and tablet. Our apps make it easier to manage your Card account whenever it’s convenient for you.

    American Express Open benefits

    OPEN Forum®

    OPEN Forum is an online community for small business owners to exchange experiences, advice, tools and tips to inspire each other to take action and succeed.