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Click on the links below to explore all the benefits and services that come with the Business Purchase Account® from American Express.
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Rewards & Savings |
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Management Tools |
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Service & Security |
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American Express® Benefits |
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No pre-set spending limit*
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You'll enjoy no pre-set limit to the amount you can spend with the Business Purchase Account. So, your business purchasing power adjusts with your use of the Card.
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Pay for larger purchases over time with flexible payment options
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Make larger business 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.1
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First year annual fee waived (a savings of $75)
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With the Business Purchase Account, there is no annual fee for the first year of your Basic Cardmembership. Plus, get up to nine No annual fee Additional Cards for your employees in your first year.
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Get unlimited Additional Cards for employees
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Get Additional Cards for employees, and you can set limits on the amount of money each employee can spend and track their spending online, helping you keep track of business expenses more efficiently.† And you can also earn points on purchases employees make when you are enrolled in the Membership Rewards® program. Just ask that your Additional Cards be linked to the Membership Rewards program when you add them to your account.2
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Earn Membership Rewards points with virtually every purchase
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Don't wait any longer — enroll your Card in the Membership Rewards® program today. Earn one point for virtually every dollar you spend and enjoy easy ways to redeem for the brands you want most: JetBlue Airways®, Dell Inc., Staples®, The Cheesecake Factory®, and many more.
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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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Pay your American Express bill or check your statement 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, 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 Purchase 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 Purchase Account 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.5
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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 Cardmembership, just give us a call. In the U.S., call toll free 1-800-492-3344 (1-877-258-3254). 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 try to help resolve the situation as quickly as possible.6
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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 Purchase Account,the Purchase Protection Plan covers that item for up to 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 Cardmember account per policy year. To file a claim, call 1-800-322-1277.7
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Travel Accident Insurance Plan
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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 entirely with the Business Purchase Account.8
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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 Purchase Account, 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 1-800-225-3750.9
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Car Rental Loss and Damage Insurance
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You can decline the collision damage waiver (CDW) when you reserve and pay for an auto rental with your Business Purchase Account and receive coverage for theft of or damage to most rental vehicles.10
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Baggage Insurance Plan
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Just purchase Common Carrier Conveyance — plane, train, helicopter, ship, or bus — tickets with your Business Purchase Account 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.11
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Fraud Protection Guarantee — shop online with confidence
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Use the Business Purchase Account 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 and your business credit.
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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).12
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Emergency Check Cashing Privileges
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You can use the Business Purchase Account to cash personal checks at more than 2,200 American Express Travel Services locations, up to $10,000 per account every 30 days. 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 623-492-3344.13
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Emergency Card Replacement
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If your Business Purchase Account is lost or stolen, we’ll replace it, sometimes in as little as 24 hours. Call American Express or visit one of over 2,200 American Express Travel Services locations worldwide. Call 1-800-492-3344 for assistance. Outside the U.S., call 623-492-3344.14
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*The Business Purchase Account® Card has no preset spending limit, giving
you purchasing power that adjusts with your use of the Card. No preset spending limit does
not mean unlimited spending.Your purchases are approved based on a variety of factors
including spending patterns, your payment history, your credit history, and financial
resources known to us.
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†Additional Card Spending Limits must be established by calling the number on the back of
your Card. The Spending Limit is not a guarantee that the Additional Cardmember will be
able to make purchases up to that limit. There are certain purchases for which the limit does
not apply, such as restaurant tips and hotel stays extended beyond their original reservation
period, and the overall Account capacity is taken into consideration. For more information on
the application of the limit, please refer to the Spending Limit Terms & Conditions that will be
included in the confirmation letter mailed to you after your limit is applied to each Additional Card.
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