American Express OPEN small business cards March 2019 |
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American Express OPEN small business cards

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Earn cash back, partner rewards and more with this suite of small business credit and charge cards.

American Express OPEN offers the largest selection of small business cards that come with card-specific perks and rewards on top of industry-leading customer service features.

In addition, you’ll get access to Amex OPEN events that’ll give you insight and guidance on how to grow your business and close deals with the US government.

What is American Express OPEN?

American Express OPEN is a credit card issuer for small businesses. With the Amex OPEN cards, you can get cashback rewards, payment flexibility with a grace period of up to 60 days, membership rewards and rewards from Amex travel partners.

Amex OPEN is the only small business card issuer that offers charge cards. With this type of card, you can manage your cash flow over short periods of time with a longer grace period. You also have the option to buy above your credit limit because charge cards have no preset spending limit. However, this doesn’t mean you get unlimited spending. Your purchasing power adjusts with your use of the card, your payment history and other factors determined by Amex.

In addition, you have access to the American Express OPEN Forum — a social network where you can connect and get advice from leading business experts.

Compare other American Express business credit cards

American Express OPEN has a veritable fleet of small business credit card options. You can choose from charge cards, cashback cards, frequent flyer cards, hotel cards and general travel rewards cards, depending on your business needs.

Updated March 19th, 2019
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
14.49%, 19.49% or 21.49% variable
0% for the first 9 months (then 14.49%, 19.49% or 21.49% variable)
Save on interest with a 0% intro APR on purchases for 9 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
None (Charge Card)


Earn 50,000 points after spending $10,000 in the first 3 months. Plus earn 25,000 bonus points after spending an additional $10,000 in the same timeframe.
13.49%, 17.49% or 21.49% variable
0% for the first 15 months (then 13.49%, 17.49% or 21.49% variable)
Earn 2x Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
16.49%, 20.49% or 24.49% variable


Earn 4x points on two categories of your choice on up to $150,000 in combined purchases annually, then 1x points. Earn 1x points on all other purchases.
None (Charge Card)


$0 intro annual fee for the first year ($250 thereafter)
This charge card gives you the option to pay in full each month or to carry a balance for up to 60 with no interest.

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American Express OPEN perks and features

  • Expense management tools. Get access to expense management tools like the Spend Manager app that lets you add tags, notes and receipts to your business transactions and connect your account to QuickBooks accounting software. You can also set account alerts to avoid late payments and monitor your employees’ card use.
  • Rewards. Choose from cashback rewards in the form of statement credit or get membership rewards, which you can redeem for travel, gift cards, merchandise or shopping. You can also get partner rewards from Delta Air Lines, Starwood hotels and Lowe’s stores.

American Express OPEN holds events for its members

Several times a year, American Express OPEN hosts virtual and in-person conferences and workshops for small business owners. Subjects range from growing your business globally to closing government contracts while listening to industry leaders or participating in interactive workshops.

One of the largest American Express OPEN programs is Government Contracting, where you get access to free events, resources and mentoring to help your business get the insight and experience needed to work with the US government. You also get to connect with fellow business owners, decision makers and government resources.

American Express OPEN customer service

  • Dispute resolution. American Express will help you in case of fraudulent or incorrect charges on your statement.
  • Purchase protection. Get protection against theft or damage for up to 90 days after the date of purchase for items bought with your card.
  • Extended warranty. Extend the warranty up to one additional year on eligible purchases with warranties of five years or less.
  • Roadside and global assist hotlines. Call roadside assistance when you need help with towing, changing a tire or charging your car battery. When you travel, the global assist hotline can help if you lose your passport or need legal, medical or any other emergency services. Keep in mind that you’ll have to pay for third-party service costs when you use the hotline.
  • Travel, car rental and baggage insurance. Get coverage against accidental death and dismemberment when you pay for the entire fare with an American Express OPEN card. You’re also insured against damage and theft of your rental car, and your baggage is insured in case of loss, damage or theft.

Consider a top card from another brand

Ink Business Cash℠ Credit Card

  • Earn $500 bonus cash back after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • Earn 1% cash back on all other card purchases with no limit to the amount you can earn
  • 0% introductory APR for 12 months on purchases and balance transfers
  • Employee cards at no additional cost
  • No annual fee
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Read more

Compare other business credit cards

Name Product Filter values APR (Annual Percentage Rate) for Purchases Annual Fee Interest Free Period
15.24% to 26.24% variable
Up to 21 days
Build your credit with no fees: Apply if you're new to credit or have a fair to good score over 620.
20.99% variable
Up to 23 days
Designed for college students to build credit history and earn rewards.
25.24% variable
Up to 23 days
Designed to help build credit history with no deposit required. Apply if you're new to credit or have a fair to good score over 650.
17.74% variable
Up to 21 days
Credit card for professionals relocating to America without a US credit history.
16.74% to 26.74% variable
Up to 23 days
Earn 2,500 bonus points after you spend $500 in purchases with your card within the first 3 months of account opening.

Compare up to 4 providers

Bottom line

If you want cashback rewards, membership rewards or travel rewards from Amex partners — or if you simply want more payment flexibility with a charge card — consider one of the 12 small business cards offered by Amex OPEN.

Otherwise, check out other business credit cards and compare your options to find the best card for your business.

Kliment Dukovski

Kliment Dukovski is a writer for, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.

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