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Your OPEN Business Card

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Access to Benefits

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Extended Warranty1

Use your Card for your new purchases and you can have warranty protection for longer. Extended Warranty* can provide up to one extra year added to the original U.S. manufacturer's warranty. Applies to warranties of 5 years or less when the purchase is charged to the Card. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.

Additional Benefits

Other protective measures which Business Cards from American Express OPEN offer:

  • Dispute Resolution: If there's a fraudelent or mistaken charge on your statement, simply let us know. American Express will work with you and the merchant to help resolve the issue.2
  • Fraud Protection Guarantee: Your Card can make online shopping a more reassuring and secure experience by protecting you against fraudulent use of your American Express Card.
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Support

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Online Account Management

OPEN's online account tools can help you run your business smoothly.

  • Manage your spending and save time during tax season with a detailed record of your expenses in the Online Year-End Summary.3
  • Account Alerts let you know when payments are due or when accounts reach selected levels.
  • Authorized Access allows you to authorize employees or trusted individuals to manage your account online.4

Signature Card Member Business Service

Call 24/7 for one-on-one help, dedicated to small business owners like you. You’ll speak with OPEN representatives who understand your business and will focus on helping you solve your issues.

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OPEN Tools and Access to Benefits

OPEN Tools and Access to Benefits

Get access to tools and benefits that can help you run your business:

  • Tools include ReceiptMatch(SM)5, OPEN Savings®6, OPEN Forum® and Account Manager7
  • Access to benefits includes Extended Warranty8, Dispute Resolution9 and Identity Theft Assistance
  • Support via Online Account Management and 24/7 Card Member Business Service
Read More

1. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of $10,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/EWterms.

2. Not all disputes are resolved in the Card Member's favor.

3. The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.

4. Authorized Account Managers and Agents must be at least 18 years old. American Express (R) Business Line of Credit accounts are not eligible for Authorized Account Managers.

5. ReceiptMatch: Digitally streamline, sort and organize your Card expenses as you go. ReceiptMatch is a feature on your Business Card from American Express OPEN. It is specific to Card related receipts. ReceiptMatch is only available on Business Cards from American Express OPEN.

6. OpenSavings: The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up to a 10% discount or up to 4 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use your Membership Rewards points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be less than the dollar value of statement credits that you receive under the Discount Benefit. You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com. The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com. Discounts will be applied in the form of a statement credit.

7. Account Manager: Account Managers and Agents must be at least 18 years old. American Express (R) Business Line of Credit accounts are not eligible for Account Managers.

8. Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of $10,000 per occurrence; not to exceed $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing. For full Terms and Conditions, see americanexpress.com/EWterms.

9. Dispute Resolution: Not all disputes are resolved in the Card Member's favor.