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Explore everything the Business Gold Card has to offer. Click on the links below to learn more about the benefits and services that come with your Business Gold Card.
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Rewards & Savings |
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Service & Security |
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Management Tools |
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American Express® Benefits |
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No Pre-Set Spending Limit — flexibility when you need it
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Spend according to your needs. Purchases are approved based on a variety of factors including account history, credit record, and personal resources.1
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Pay for larger purchases over time with flexible payment options
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Make large purchases with confidence, knowing that you have the flexibility to extend payment if necessary. When such a situation arises, call 1-800-403-1288 and we'll be glad to discuss options for which you might be eligible.2
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Delegate purchasing with Additional Business Gold Cards for employees
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Add employees to your Business Gold Card account and they can make business purchases. You can set limits on the amount of money each employee can spend. And if you're enrolled in the Membership Rewards® program, you can earn points on employee purchases when you link their Cards to your Membership Rewards account. Up to nine (9) Additional Cards are fee-free the first year and $35 each after that.3
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The Membership Rewards program
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Enroll in the award-winning Membership Rewards program and turn your Business Gold Card purchases into points toward travel and shopping rewards, as well as one-of-a-kind experiences. The annual enrollment fee is $40.4
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OPEN Savings® Program — use your Card for business savings
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Payment must be made with an American Express® Business Card at the time of purchase.Savings will be credited to your American Express Business Card billing statement.All savings referenced are in addition to any offers made by participating companies.Participation and offers are subject to change without notice. Terms and conditions apply.
For more information, please visit opensavings.com.
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Book discounted travel online at the Business Travel Center
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Handle travel details quickly online at the Business Travel Center. You can book low-cost airline tickets, car rentals, and hotel rooms, as well as purchase flight and baggage insurance. You can also be notified of travel packages and last-minute specials. And if you're enrolled in the Membership Rewards program, you can use Membership Rewards points to pay for travel.
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American Express SelectsSM
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Get easy access to hundreds of great offers from companies like Gap, Old Navy, Fortunoff®, Mikasa, and The Sharper Image®. Offers range from free shipping and handling and savings of up to 20% to free gifts with purchases, Membership Rewards bonus points, and more.
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American Express Customer Service — here when you need it
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OPENSM the small business team from American Express is ready to give you the assistance you require, 24 hours a day, 365 days a year. Whether you have a question about a bill, need to replace a lost Card, or want to make sure you're getting the most out of your Card membership, just give us a call. In the U.S., call toll free 1-800-492-3344. Overseas, call collect 623-492-3344.
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Dispute Resolution without the paperwork
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If there's ever a charge on your bill you feel is wrong, just call a member of OPEN the small business team from American Express and tell us what the problem is. We'll take the charge off your bill and try to help resolve the situation as quickly as possible.
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Car Rental Loss and Damage Insurance
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You can decline the collision damage waiver insurance when you reserve and pay for a rental vehicle with your Business Gold Card and receive coverage for theft of or damage to most eligible vehicles.6
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Baggage Insurance
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Just purchase Common Carrier Conveyance – plane, train, helicopter, ship, or bus – tickets with your Business Gold Card and you will receive coverage for up to $1,250 for carry-on baggage and up to $500 for checked baggage in excess of the common carrier's coverage.7
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Travel Accident Insurance
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You're automatically covered for up to $100,000 for accidental death and dismemberment when you purchase Common Carrier Conveyance – plane, train, helicopter, ship, or bus – tickets with the Business Gold Card.8
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Purchase Protection Plan — protect against theft or accidental damage
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When you pay for an eligible purchase with your Business Gold Card, the Purchase Protection Plan covers that item for 90 days from the date of purchase. This means your new purchases will be covered in the event they are stolen or damaged by accident or vandalism. The coverage is limited to $1,000 per Occurrence and up to $50,000 per Card member account per policy year. To file a claim, call 1-800-322-1277.9
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Buyer's Assurance Plan — extend warranties up to one additional year
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When you purchase covered items and pay for them entirely with your Business Gold Card, the Buyer's Assurance Plan extends the terms of the original manufacturer's warranty on eligible items for a period of time equal to the original manufacturer's warranty up to one additional year on warranties of five years or less that are eligible in the United States. To file a claim, call 1-800-225-3750.10
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Gold Card Events
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Have the privilege of being able to purchase prime reserved seats for selected entertainment events at face value – often in advance of public sale. We bring you access to sought-after events across the country – from ballet and theater to sporting events and concerts.11 For more information and to purchase tickets, call 1-800-448-TIKS (448-8457).
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Roadside Assistance
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From flat tires to needing a tow, Cardmembers are covered whether you're near the office or across the country. This free service could cost as much as $50 annually if purchased elsewhere.16
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The Event Ticket Protection Plan
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Buy event tickets with backup. Now, using your Card to purchase Tickets provides an extra layer of protection. The Event Ticket Protection Plan provides reimbursement benefits up to $1,000 per Occurrence and up to two Occurrences per 12-month period. Just charge the entire purchase to your Card, and contact us if the Ticketholder cannot attend due to a Covered Incident as defined in the Policy.17
The Event Ticket Protection Plan benefit is not available to residents of New York state.
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Learn About Managing Your Account Online
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The Summary of Accounts page is an online tool that quickly summarizes all information pertinent to any of your American Express Business Card accounts. You can pay your bill, view billed charges or past statements, set up Account Alerts, check your Membership Rewards point balance, and more.
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Track Card spending with Expense Management Reports
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This easy-to-use service helps you track, analyze, and control spending on your company's Business Card account. With quick access to data, it helps you manage Additional Cardmember spending and allows you to print out customized reports that sort spending by time, category, or Cardmember. You can also download information to QuickBooks® or other financial software.
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Account Alerts when and where you want them
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Account Alerts make it easier than ever to keep track of your Business Gold Card account. Sign up for free Account Alerts and you'll be notified before your payment is due, when your payment has been received, or if there has been irregular activity on your account. Account Alerts can be sent to your e-mail address, mobile phone, pager, or PDA.
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Automatic Bill Payment — convenient and fee-free
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You can use the Card to automatically pay routine, recurring expenses like your wireless phone bill or insurance payments. Charges for these bills appear on your Business Gold Card billing statement to help simplify record keeping, and you can pay for them with just one check instead of several. Automatic Bill Payment is fee-free.12
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Online Fraud Protection Guarantee — shop online with confidence
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Use the Business Gold Card for online purchases, and you won't be responsible for any unauthorized or fraudulent charges. Period. There's no fine print and no deductible – not even the first $50, as is often the case – just ironclad protection. Our secure encryption technology protects your information, but if unauthorized online charges do appear on your Card statement, just notify us at 1-800-492-3344. In most cases, a temporary credit will be given immediately.
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Identity Theft Assistance
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Should you suspect that somebody is using your identity online or in shops, American Express has representatives on call when you need them – 24/7 – to help determine if you are a victim of identity theft, recommend steps for recovery, and offer tips on how to protect yourself in the future.
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Fraud Protection Center
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Visit us online for information on credit card fraud, to learn what American Express does to help protect you, and to access tools and resources to help protect your good name.
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Get 24-hour access to cash with Express Cash
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Once enrolled in the Express Cash program with a Personal Identification Number, you have access to cash at over 500,000 ATM locations worldwide. Funds are drawn from a bank account you designate upon enrollment. Transaction fees apply. To enroll, or to find the nearest Express Cash location, call 1-800-CASH-NOW (1-800-227-4669).13
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Emergency Check Cashing Privileges
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You can use the Business Gold Card to cash personal checks at more than 1,700 American Express Travel Services locations, up to $10,000 per account every 30 days.14 For each transaction, you may obtain up to $500 in cash and the balance in American Express Travelers Cheques. For information, call 1-800-492-3344. Outside the U.S., call 623-492-3344.
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Emergency Card Replacement
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If your Business Gold Card is lost or stolen, we'll replace it, sometimes in as little as 24 hours. Call American Express or visit one of over 1,700 American Express Travel Services locations worldwide.15 Call 1-800-492-3344 for assistance. Outside the U.S., call 623-492-3344.
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