American Express OPEN


	American Express OPEN offers a variety of Business Cards with benefits and savings that are available as part of your business banking relationship with Sovereign.

With Business Cards from American Express OPEN you can save money on eligible purchases through the OPEN Savings^®¹ program, plus save time tracking expenses and controlling employee spending with online account management and reports.

Cards	The Gold Card from OPEN The Card that lets you earn Membership Rewards® points to reinvest in your business Apply Now	SimplyCash® Business Card The cash back Credit Card with no annual fee for ultimate financial flexibility Apply Now	Business Platinum Card® The Business Card with more than 30 premium benefits to better help your business Apply Now
Benefits & Rewards	Earn 5% cash back on eligible purchases for the first 3 months of Card membership, up to $200² No pre-set spending limit³ Earn Membership Rewards® points for virtually every dollar spent⁴	Earn 5% cash back on automobile gas, office supplies, and wireless services; and 1% cash back on virtually all other purchases. Cash back is automatically credited to your statement each month⁵	Enjoy all the benefits of the Gold Card Membership Rewards® First program; Airport Club Access⁶, Premium Car Rental⁷, Business Platinum Concierge⁸, FINE HOTELS & Resorts⁹
OPEN Savings®	You can save 3-20% on essential business expenses simply by using your Card at our best-in-class merchant partners
Payment Terms	Pay in full with no interest and purchasing power that can evolve with your business	The option to carry a balance with interest and a spending limit 0% introductory APR on purchases up to the first 12 months	Pay in full with no interest and purchasing power that can evolve with your business
Annual Fee	No annual fee for your first year, then $125	No annual fee	$395
	Apply Now	Apply Now	Apply Now

1	OPEN Savings^® range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com.
2	Bonus of 5% cash back on each purchase applies to all eligible purchases made for the first three months of Card membership. Gift Cheques, Prepaid Cards, Cash Advances, and Cash Equivalents are not eligible for 5% savings. The statement credits will appear on your monthly billing statement as one lump sum on the fourth month of Card membership. The maximum cash back available is $200 per Card account. This promotional offer pertains to the Gold Card from American Express OPEN. You may be permitted to have more than one American Express Business Card account; however, you are eligible to receive only one promotional 5% cash back offer up to $200 per unique business.

3	The Gold Card has no pre-set spending limit which gives you purchasing power that adjusts with your use of the Card. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit record, and financial resources known to us.

4	Terms and Conditions for the Membership Rewards^® program apply. Visit membershiprewards.com/terms, or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

5	Cash Rebate: There is no limit to the amount of cash rewards you can earn. You will receive a Rebate of 5% for Purchases of wireless telephone services and office supplies and equipment and a Rebate of 3% for Purchases of automobile gasoline (any individual Purchase transaction in excess of 75 gallons or equivalent dollar value will not be deemed to be a Purchase of automobile gasoline), except that the Rebate for 3% Purchases will be 1% for automobile gasoline Purchases in excess of $12,000 in any calendar year. You will receive a Rebate of 1% for all other Purchases. Important: You will receive a 5% or 3% Rebate only if the merchant is not a warehouse club, superstore, supermarket, or convenience store that sells automobile gasoline, and only if the merchant submits the Charge under the appropriate merchant code, industry code, and required service or product identifier established by us and the merchant. Otherwise, you will receive a Rebate of 1%. You will not receive a Rebate for balances transferred from other accounts, purchases of American Express® Travelers Cheques or American Express® Gift Cheques, fees, Finance Charges, Cash Advances, and similar means of accessing your Card account. Additional terms and conditions apply.

6	The Business Platinum Card® member must present his or her valid Card, government-issued I.D., and same day corresponding airline ticket to club agents. Code-share and affiliated lounge agreements may not apply in all cases. The Business Platinum Card member must be 18 years of age to enter into the Airport Club Lounge without a parent or guardian for American Airlines and for Delta Sky Club^TM where there is no self-service bar. Local age restrictions apply in non-U.S. locations. The Business Platinum Card member must be 21 years of age to enter into all Airport Club Lounges where there is a self-service bar. Card members must adhere to all house rules of participating clubs. Partners and locations subject to change.

7	Benefits given to Business Platinum Card members are subject to each car rental company's terms and conditions, including age restrictions and require enrollment to receive benefits. Card members must be affiliated with the Business Platinum Card Program codes. Hertz #1 Club Gold^® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Business Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement on file.

8	There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

9	To receive FINE HOTELS & RESORTS program (FHR) amenities and rates, book FHR-negotiated rates and room categories through Platinum Travel Service. Payment must be made with an American Express Card in the U.S. Platinum Card member's name. Room upgrade based on availability. Offer may not be combined with Platinum Destinations® Vacations. Limit one amenity per room, per stay. Amenity restrictions vary by hotel, are subject to change, and cannot be redeemed for cash. Platinum members may book up to three (3) rooms inclusive of FHR rates and amenities and must accompany the party as a guest for which FHR reservations are made. In the event the Platinum member cancels the reservation(s), FHR rates and amenities will no longer apply to any remaining reservation(s). Back-to-back stays within a 24-hour period at a single FHR property are considered one stay.

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