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  • CHOOSE WHERE YOU GET3X POINTS

  • Get more where you spend more. Earn big with the only Small Business Charge Card that lets you choose the category where you get 3X points.

  • AN ALTERNATE WAY TO FUND YOUR BUSINESS

  • The Business Gold Rewards Card provides big buying power to help fund business needs. Plus, it's the only Charge Card that lets you choose where you get 3X points.

WELCOME OFFER
Get25,000Membership Rewards® points
after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.

Details

Charge Card

  • No interest charges because you pay your balance in full each month

Membership Rewards® points with choice

  • 3X points on one category of your choice from the list below:
    • Airfare purchased directly from airlines
    • U.S. purchases for advertising in select media
    • U.S. purchases at gas stations
    • U.S. purchases for shipping
    • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
  • 2X points on the 4 remaining categories
  • 1X points on other purchases
  • Terms and limitations apply. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

Annual Fee

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

Includes:
  • $0 introductory annual fee for Employee Business Gold Rewards Cards in the first year, then, $50 for the first Employee Card and no fee for other Employee Cards
  • No foreign transaction fees
WELCOME OFFER

Get 25,000 Membership Rewards® points after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership.

Good For

  • Large Business
    Purchases

    Use the Card for purchases like: Raw Materials, Inventory, Technology Purchases

  • Airfare & Gas

    Choose to get 3X points on airfare purchased directly from airlines OR on U.S. purchases at gas stations.

  • Shipping

    Choose to get 3X points on U.S purchases for shipping.

  • Advertising

    Choose to get 3X points on U.S purchases for advertising in select media.

  • Expense Management

    With the Card get more Membership Rewards® points on the kinds of purchases you make most. Plus, get a suite of tools that can help you monitor business expenses.

  • Rewards

    Choose the category where you get 3X points

    • 3X points on one category of your choice from the list below:
      • Airfare purchased directly from airlines
      • U.S. purchases for advertising in select media
      • U.S. purchases at gas stations
      • U.S. purchases for shipping
      • U.S. computer hardware, software, and cloud computing purchases made directly from select providers
    • 2X points on the 4 remaining categories
    • 1X points on other purchases
    • Terms and limitations apply. 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter.

    3X points is big when it can help you cut costs

    Redeem points for:

    • Rewards from over 500 leading brands in travel, merchandise and entertainment
    • Gift cards to reward employees for a job well done
    • Dinners to entertain existing clients and win new ones

    A spending limit that can grow as your business grows

    The Card offers a spending capacity that can help you buy what you need to run your business.

    • Use it for bigger items like equipment and wholesale goods, or smaller purchases like office supplies, shipping, and more.
    • The more you use the Card to make purchases for your business, the more points you can earn.
  • Funding and Rewards

    Funding that's big

    The Card can fund business in a big way. From larger purchases like inventory and equipment, to smaller purchases, the Card can help you buy what you need to run and grow your business.

    Think about it as more than a Card, but as a funding solution for big business purchases like:

    • Equipment
    • Raw Materials
    • Inventory
    • Wholesale Goods

    Here's how funding works

    • The Business Gold Rewards Card gives you the ability to make purchases with No Pre-Set Spending Limit,* which means the buying power you have access to adjusts with your use of the card.
    • No interest charges when you pay your balance in full every month.
    • Get the Card that can provide a fast and convenient way to get funding.
      • No faxing, no waiting in lines
      • No collateral required
      • A simple and easy application
      • Get a decision in as little as 60 seconds

    *No Pre-Set Spending Limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors

    Reward your business

    Turn business purchases into opportunities to earn big. Use the Business Gold Rewards Card instead of cash to help run your business and get something in return—points that can be used to reinvest in your business.

    Redeem points for:

    • Rewards from over 500 leading brands in travel, merchandise and entertainment.
    • Gift cards to reward employees for a job well done.
    • Dinners to entertain existing clients and win new ones.
  • Expense Management

    Expense Management Tools

    Track, organize, and stay on top of your business expenses

  • Card Membership 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 vehicle 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 for eligible lost, damaged, or stolen baggage when you purchase the entire fare for a Common Carrier ticket (e.g. plane, train, ship, 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 (e.g. plane, train, ship, 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

    ReceiptMatchSM

    ReceiptMatch is a feature available with your Business Card to help you manage your Card expenses by allowing you to add receipts, tags and notes to your transactions either via desktop or your mobile device.

    OPEN Savings®

    Your Business Card comes fully equipped with the OPEN Savings® benefit to give you extra value when you make eligible business purchases.

    Dispute Resolution

    If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.

    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

    Assign a trusted employee or business partner to be an Account Manager on your Business Card account. They can handle tasks like reviewing statements, making payments, and disputing charges on your Business Cards, so you're free to focus on other aspects of your business.

    Online Statements

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

    American Express Open benefits

    Mobile and Tablet Apps

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

    OPEN Forum®

    You have ideas. OPEN Forum has articles and information to help you push them forward. Get tools and advice for growing your business from industry experts and other business owners.

  • Card Reviews

    Hear what Card Members are saying

    • OVERALL RATING
    • CUSTOMER SERVICE
    • CARD BENEFITS

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Need Help Applying?
  • Call to Apply 1-800-519-OPEN (6736)