The Business Gold Rewards Card® from American Express OPEN is an upscale-oriented charge card for small businesses where you must pay off the balance each month, but you get the famous AMEX perks like purchase price protection, extended product return protection, and AMEX extended warranty. Here are the highlights:

- The annual fee is $0 for the first year of card membership, and $175 thereafter. This way you can try out the card for a year for free. Get unlimited Additional Gold Cards for an additional annual fee of $50 but this fee is also waived for the first year.
- Triple points on airfare. What makes this card different is that you can now earn triple points on airfare as well as double points on advertising, shipping, and gas purchases on the first $100,000 of eligible purchases in each category each calendar year. Everything else earns 1 point per dollar spent.
- OPEN small business network gives you access to savings at partners like Fedex shipping and OfficeMax supplies.
- Terms and restrictions apply
Welcome bonus offer not available to applicants who have had a Business Gold Rewards or any other Business Gold, Green or Platinum Card® account within the last 12 months.
Business Credit Card Eligibility
Many people aren’t aware of the fact that they can apply for business credit cards, even if they are not a corporation or LLC. Why? Because any individual can be a small business as well. The business type is called a sole proprietorship. Perhaps you sell items on eBay, Craiglist, or Etsy. Maybe you do some freelancing and/or consulting. If you earned more than $600 from a single client, you probably got a 1099-MISC tax form and filled out a Schedule C. Boom! You have business income, you’re paying self-employment taxes (meaning you’re an employer), and you’re a sole proprietorship. This is the simplest business entity, but it is fully legit and recognized by the IRS. On a business credit card application, you should use your own legal name as the business name, and your Social Security Number as the Tax ID.
Specifically, this card will require you to personally guarantee that you’ll pay them back what you charge on the card, which means they’ll check your personal credit score like any other consumer card. However, the card itself is a business card so it won’t show up on your personal credit report, so it won’t change things like your credit limits, average account age, or credit utilization ratio.
Meeting Minimum Spend Requirements
I acknowledge that the spending requirement amounts to a little over $1.500 per month, which can be tough. Here are some tips readers have suggested. You can try to buy AMEX gift cards to help spread out the purchases over time, buy gas or grocery or Costco gift cards, prepay utility bills or insurance premiums, use the personal version of Amazon Webpay to pay others or send money to family/spouse/friends with no fee ($1,000 per month max), load money on American Express Serve with no fee ($25 bonus, $100 max load per day, $250/500 month max), and I’ve even bought some Forever postage stamps to put me over the top.
As usual, compare this card with other current $500+ credit card bonuses that you can also apply for.
- Business Gold Rewards Card® from American Express OPEN application link


Updated with new 5% off code. CouponTrade.com is another marketplace for unused gift cards. You can buy gift cards from other individuals at a discount from face value, or you can sell your gift cards (partial balances okay) at a price that you name and get cash instead.
Target recently announced a new “Holiday Price Match” policy that will let you price-match with select online stores between November 1st and December 16, 2012. Full details are to be released on October 22 at target.com/morereasons, but for now the qualifying retailers will include Amazon.com, Walmart.com, BestBuy.com and Toysrus.com. Target is even offering free WiFi now in all stores to aid your price-matching activities. (
Updated. American Express has a product called Serve – a combination of their prepaid credit card and a Paypal-like online payment service. No credit checks, no monthly fees, and one free ATM withdrawal per month (the ATM itself may charge a fee).
Mobile payments are hot, and start-up LevelUp let’s you pay by scanning a QR code from your smartphone that is linked to your existing credit or debit card. You know what that means… venture capital spent on customer acquisition! New users can get a free $5 credit by signing up through a referral link or with code JL8U06. The referrer also gets $5, but only if the user spends $5 on their own credit card. Nice detail: The app lets you use your camera to grab your credit card number instead of typing it in.
The Citi Forward® Card is running a limited-time promotion with Netflix for new cardmembers where they will pay for your Netflix streaming for an entire year if you use the card for payment. At currently prices, that’s $7.99 x 12 = $95.88 + taxes. However, the wording of the fine print suggests that if you have a higher Netflix bill due to DVD rentals, it will rebate up to $10 a month = $120 for the year.
If you are an AT&T Wireless, U-verse, Home Phone, or Internet customer, here are some promotions that are currently available.
The Best Credit Card Bonus Offers – 2026
Big List of Free Stocks from Brokerage Apps
Best Interest Rates on Cash - 2026
Free Credit Scores x 3 + Free Credit Monitoring
Best No Fee 0% APR Balance Transfer Offers
Little-Known Cellular Data Plans That Can Save Big Money
How To Haggle Your Cable or Direct TV Bill
Big List of Free Consumer Data Reports (Credit, Rent, Work)