American Express OPEN small business cards November 2018 | finder.com
amex logo

American Express OPEN small business cards

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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 November 18th, 2018
Name Product APR (Annual Percentage Rate) for Purchases Introductory Purchase APR Annual Fee
14.24%, 19.24% or 21.24% variable
0% for the first 9 months (then 14.24%, 19.24% or 21.24% variable)
$0
Save on interest with a 0% intro APR on purchases for 9 months; after that your APR will be 14.24% - 21.24% variable.
None (Charge Card)
$450
New cardholders can earn 75,000 Membership Rewards® bonus points by spending $10,000 on purchases for the first 50,000 points and then another $10,000 for the next 25,000 points on their new card in the first 3 months.
13.24%, 17.24% or 21.24% variable
0% for the first 15 months (then 13.24%, 17.24% or 21.24% variable)
$0
Earn 2X Membership Rewards® points on everyday business purchases on up to $50,000 with no category restrictions.
16.24%, 20.24% or 24.24% variable
$295
Earn Membership Rewards® points after you spend in qualifying purchases on the card within your first months of card membership.
None (Charge Card)
$0 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 days with no interest.
20.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn Membership Rewards® points when you make purchases on your Card.
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months of card membership.
17.74%, 21.74% or 26.74% variable
$195
Earn 50,000 Medallion Qualification Miles (MQMs), plus 35,0000 bonus miles after spending $1,000 on purchases within the first 3 months.
17.74%, 21.74% or 26.74% variable
$450
Earn 40,000 bonus miles and 50,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in your first 3 months.
17.74%, 21.74% or 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 30,000 Bonus Miles after you make $1,000 in purchases on your new card within your first 3 months.
17.74% to 26.74% variable
$95
Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases within the first 3 months of Card Membership.
17.74%, 21.74% or 26.74% variable
$0
Use this Card to receive points you can redeem for gift cards and more to use towards business expenses.

Compare up to 4 providers

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.

Compare other business credit cards

Name Product Filter values APR (Annual Percentage Rate) for Purchases Annual Fee Interest Free Period
20.74% variable
$0
Up to 23 days
Designed for college students to build credit history and earn rewards.
24.99% variable
$39
Up to 23 days
Designed to help build credit history with no deposit required and access to benefits.
16.49% to 26.49% variable
$0
Up to 23 days
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.
13.15% to 23.15% variable
$0
Up to 25 days
3% cash rewards on gas, grocery, drugstore for first 6 months, 1% cash rewards on virtually all other net purchases.
26.99% variable
$0
Up to 25 days
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
14.99% to 23.99% variable
$0
Up to 25 days
Earn5 cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1 cash back on all other purchases.
14.99% to 23.99% variable
$0
Up to 25 days
Earn 2% cash back on gas and dining on your first $1,000 in combined purchases each quarter. After that earn 1% in these categories and on all other purchases.

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 who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

Was this content helpful to you? No  Yes

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.

US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
Go to site