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The Gold Card from American Express OPEN^SM

Ongoing APR: N/A; Due in full each month
Annual Fee: None for 1 Year; $125 thereafter
Reward Program: Optional (fee applies) Points
Late Fee: $0-$35 or 2.99%
Overlimit Fee: N/A
Issuer: American Express Co.

* See Terms and Conditions

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Using your Business Gold Card for business purchases is the smart way to keep business and personal expenses separate. As a Business Cardmember, you are entitled to benefits specially designed for the day-to-day realities of running a small business. With no pre-set spending limit*, your Business Gold Card is ready to assist you every step of the way. And because you pay your Card charges in full every month, you never pay interest.

The Membership Rewards® Program

The Membership Rewards® program ("Program") annual fee is $40, except as otherwise provided below. There is no annual Program fee for the Preferred Rewards Green Card, Preferred Rewards Gold Card, Rewards Plus Gold Card, Centurion® Card, Platinum Card®, Corporate Platinum Card, Business Membership Rewards Card, Business Platinum Card, Business Centurion Card, Fidelity American Express Platinum Card, Business Green Rewards and Business Gold Reward Card members. The annual Program fee is $75 for Corporate Card members who enroll only their Corporate Card in the Program or for Corporate Cards with a Lending Card linked to the Program account. Linkage fees may apply if you have a Corporate Card or Small Business Card linked to your Program account. Some American Express Cards are not eligible for enrollment in the Program. For more information or to enroll in the Program, visit our website at open.americanexpress.com/rewards or call 800-AXP-EARN (297-3276). Participating partners and available rewards are subject to change.

Purchase Protection Plan
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.

Travel Accident Insurance
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0948. See Description of Coverage for complete details.

Travel Services Locations
Not all services are available at all locations. Services are subject to local laws and cash availability.

OPEN Savings® Program:

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.

ExpensAble
Valid only directly through ExpensAble.

FedEx®
The OPEN Savings discount applies to FedEx Priority Overnight®, FedEx Standard Overnight®, FedEx 2Day®, FedEx Express Saver®, FedEx 1Day Freight®, FedEx 2Day Freight®, FedEx 3Day Freight®, FedEx International Priority®, FedEx Ground® and FedEx Home Delivery shipments services. Discounted Services do not include Easy Packaging from FedEx, or International Duties and Taxes. The maximum annual discount available is $1000. Discount not available on FedEx shipments originating from Kinko's® locations unless the method of payment is a FedEx account linked to an American Express® Business Card.

Delta
Valid on tickets purchased directly from Delta Air Lines by visiting delta.com, calling 1-800-221-1212, or at your nearest Delta ticket counter. Savings do not apply to tickets purchased through a third party. All American Express® Business Cards accounts receive 3% savings on Delta flight purchases. Delta SkyMiles® Business Credit Card accounts receive an extra 2% savings, for a total of 5% savings. The 3% and 2% savings will appear as separate statement credits on Delta SkyMiles Business Credit Card accounts within 8-10 weeks of the original purchase. There are no limits on the number or amount of discounts on Delta ticket purchases under the OPEN Savings program.

JetBlue
Valid on flights purchased directly from JetBlue by phone (1-800-JETBLUE), online (www.jetblue.com), or at the ticket counter. Savings do not apply to Getaways vacation packages, gift cards/certificates, or to flights purchased through a third party. All American Express® Business Cards accounts receive 3% savings on JetBlue flight purchases with a maximum annual savings of $1,000 per Card account. JetBlue Business Card® accounts receive an extra 2% savings, for a total of 5% savings with a maximum annual savings of $2,000 per Card account. The 3% and 2% savings will appear as separate statement credits on JetBlue Business Card accounts within 8-10 weeks of the original purchase.

Hertz®
Valid only at U.S. participating locations.

1-800-FLOWERS.COM®
Valid on all U.S. purchases - online, in store or by telephone.

See web site for complete terms & conditions

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The Gold Card from American Express OPENSM

The Membership Rewards® Program

OPEN Savings® Program:

The Gold Card from American Express OPEN^SM