Credit Card Review & Application

Business Gold Rewards Card from American Express OPEN

4.0

out of 5

- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership*.
- Earn points even faster to get more rewards for your business.
- 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.
Terms and limitations apply.
- Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
- $0 introductory annual fee for the first year, then $175.
- *Apply online to qualify for this offer. See offer terms for details.



Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: N/A *
Annual Fee: Intro $0 for 1st year, then $175*
Card Issuer: American Express
Card Network: American Express®
Card Category: Business (Premium)
Card Type: - Charge Credit Card
- Reward Card
Credit Needed: Excellent*

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Gold Rewards Card from American Express OPEN is a business credit card designed for business owners who can afford to pay monthly expenditure in full. Card members are automatically entered into a Membership Rewards program for exclusive discounts and rewards on business purchases.

Card members are required to pay an annual fee.

Card members can order additional employee cards at no extra cost. Each employee card comes with an individual spending limit for greater control. Online account management lets business owners keep track of employee spending with expense management reports downloaded and fully compatible with QuickBooks.

Card members who purchase air tickets insure the traveler with up to $100,000 at no extra cost. Auto Rental Insurance shields members from incurring liability as a result of damage or loss of rental cars. Extended Warranty for purchases increases warranties on applicable products purchased within the U.S. Card members who lose their wallets or have their cards lost or stolen can have another one on short notice through an emergency card replacement service.

Card members are allowed to participate in the fee free universal rewards program. With the first purchase charged to this card rewarded with 5,000 bonus points. Subsequent purchases earn a point per dollar spent. Points earned are useful when redeeming rewards such as cash, merchandise, gift cards, and office equipment. Card members can redeem points for free air travel with any airline to a preferred destination with no seat restrictions and blackout dates.

Card members who spend high earn bonus points annually.

The OPEN Savings program enables card members earn higher discounts when purchasing items from participating merchants and retailers. An Online Business Travel Center helps card members who need to make hotel, car rental, and air travel bookings. Purchases on this center are discounted.

Gold Rewards Card from American Express OPEN charges a slight annual fee. Interested persons should see applicable terms and conditions for more information.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express.

Reward Type: - Universal Reward Cards
Reward Unit: Point
Rewards: - 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership.
- 3X points on airfare purchased from airlines
- 2X points at US gas stations.
- $100,000 in each category per year, then 1 point.
Expiration: None
Yearly Limit: None
Other Benefits: - Access to savings on hotel, air, and car reservations when cardholders book through the Online Business Travel Center
- Access to expense management reports that are compatible with QuickBooks®
- Internet account related services
- Emergency card replacement
- Lost & damaged luggage insurance
- Up to $100,000 in travel accident insurance
- Auto rental insurance
- Extended warranty for purchases
- Purchase protection
- Return protection
- No liability for unauthorized transactions
- Identity theft assistance
- Emergency check cashing

See website for additional benefits*
Comments: The card has no pre-set spending limit; however, purchases are approved based on credit record, account history, and personal resources.
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: N/A *
Annual Fee: Intro $0 for 1st year, then $175*
Grace Period: 0 days*
Min Finance Charge: 1.00%
Late Payment Fee: $35.00*
Over Limit Fee: $35.00
Balance Transfer: No
Additional Fees Foreign Transaction: 2.7% of each transaction after conversion to US dollars.
We do not offer online application for this card at the moment.


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† The information provided for Business Gold Rewards Card from American Express OPEN is believed to be accurate at the time of evaluation (Nov 14, 2013). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.




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