- Annual Fee $0 for the first year, then $250
- Intro Purchase APR -
- Regular Purchase APR Not Applicable - Paid in Full Monthly
- Signup Bonus None
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 0%
- Intro Balance Transfer APR -
- Regular Balance Transfer APR N/A
- Cash Advance APR N/A
- Penalty APR N/A
- Late Fee up to 2.99% of the past due amount; Min:$38
- Returned Payment Fee $38
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
- OPEN Forum®: Online community for small business owners to connect with eachother.
- OPEN Savings®: Extra savings on eligible purchases.
- Early Pay Discount: 1.5% discount, you can use it to buy inventory, supplies and other business items.
- Extra Days to Pay: Get an extra 60 days to pay with no interest
- Free Employee Cards
- Account Alerts: Get alerts about account information on your phone.
- Account Manager: Ability to give other people permission to manage your account.
- Mobile & Tablet Banking: Pay your credit card bill online, transfer funds, check available credit and more.
- ReceiptMatch℠ with QuickBooks®: Manage your account with Quickbooks.
- Entertainment Access: Discounts to card member-only events, concerts, sporting events, and shows.
- Dispute Resolution: Help with fraudulent transactions.
- Extended Warranty: For warranties of 5 years or less you can get up to one extra year added to the original manufacturer’s warranty.
- Purchase Protection: Items purchased with your card are protected against accidental damage and theft within 90 days of the purchase.
- Return Protection: If the merchant won’t take back an eligible item that you purchased on your card within 90 days from the date of purchase, American Express may refund the purchase price, minus shipping and handling, for up to $300 per item, up to $1000 per year for each account.
- Roadside Assistance Hotline: Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency. American express will cover you up to 4 times, then you pay for all third-party service costs.
- Car Rental Loss and Damage Insurance: Stolen or damaged vehicles are covered if you use your card to pay and reserve the rental, and you decline the collision damage waiver. Not all rentals or vehicles are covered. Provides secondary coverage only, not liability coverage.
- Global Assist® Hotline: When you travel 100 miles or more from home you can get help with travel accidents such as a lost passport, the need for a lawyer, sudden illness, and more. You pay for all third-party service costs.
- Travel Accident Insurance: Added financial security if a death is caused when traveling by plane, train, ship, or bus.
- Baggage Insurance Plan: When you buy a Common Carrier ticket on your card, eligible lost, damaged, or stolen bags are covered up to $1,250 for carry-on baggage and up to $500 for checked baggage.
American Express Benefits
- This card comes with American Express benefits. You will be provided with a list of specific benefits when you get your card.
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