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The Gold Card from American Express OPEN(SM)

The Gold Card from American Express OPEN(SM) is a business credit card from American Express that features discounts from select merchants and retailers as well as access to Membership Rewards program. Search and compare business credit cards and then apply online today for Gold Rewards Card from American Express OPEN(SM).

The Gold Rewards Card from American Express OPEN(SM)

Business Ownership Is Now More Rewarding
Earn up to 40,000 Bonus Points in Your 1st Year - Good for 1 Domestic Airline Ticket Round-Trip and Other Business Supplies*
Points Have No Expiration Date*
No Limit to the Number of Membership Rewards® Points You Can Earn*
No Annual Fee for the First Year - A Savings of $125*
No Pre-Set Spending Limit* and No Finance Charges*
Reinvest in Your Business with the Rewards You Can Earn*
Save 3-25% on Business Purchases at Companies Like FedEx®, Delta®, Hertz®, and More*
Automatic Complimentary Enrollment in the Membership Rewards® Program*

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	0%*	$125*	Yes*	Good Credit*

Editor's Review: The Gold Card from American Express OPEN(SM) is a charge card and is technically not a credit card. This card is designed primarily for those individuals who are planning to pay their business expenses in full every month. To get approval on this card, the business will need to have at least fair to good credit. Since the Gold Card is a charge card, you will not have the option to pay off the balance over time. That's the bad news. The good news is that this card does provide businesses a sort of "tough love" payment plan; you must pay off the balance every month. As distasteful as that may sound it will provide a built-in measure of fiscal discipline by not allowing the accumulation of too much credit card debt. Paying only the minimum payment over time can result in significant accumulation of debt over time.

There's a $125 annual fee charged to the primary cardholder as well as a $45 fee for each additional cardholder. Don't get too uptight about the annual fee for this card; the annual fee is more than offset by the card benefits (described below) and the fee itself can be expensed and written off your business taxes at year's end.

As with all business credit cards issued by American Express®, cardholders will have the opportunity to take advantage of many additional services and benefits. These benefits include expense reports provided quarterly as well as special discounts from selected retailers such as FedEx®, AT&T®, Staples®, and others. Please be sure to review all of the disclosures for participating merchant discounts; restrictions and limitations do apply.

For an additional $40 annual fee, cardholders will have access to the Membership Rewards® program. This program is absolutely one of the premier reward programs available in the credit card industry. Membership Rewards® offers a great variety of merchandise and services that cardholders can redeem for accumulated points. In addition, there is no ceiling or limit on the number of points that can be earned, and earned points will not expire.

All in all, this is a solid business credit card choice.

(Review Date: October 13, 2008)


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