Platinum business cards and platinum business lines from American Express. Featuring 0% intro APR, generous credit lines, and either a low or no annual fee. American Express small-business members can earn great travel rewards on purchases and expenses, including hotel stays, airline miles, and cash back rewards. Save money on business expenses and apply now get a decision in 60 seconds or less.

Secure online application Open.com/Smallbusiness

SimplyCash? Business Card from American Express

• Earn 5% cash back on automobile gas, office supplies, and wireless services


• Earn 1% cash back on virtually all other purchases


• No limits to the cash back you can earn


• Cash back is automatically credited to the statement each month


• 0% introductory APR for up to the first 12 months


• No annual fee with the flexibility to pay in full or carry a balance


• Fee-free Additional Cards


• Save 3-25% on business purchases at companies like FedEx?, Delta?, Hertz?, and more.Apply Now!

Platinum Business Credit Card from OPENSM The Small Business Team

• Option to enroll in the Membership Rewards Express? Program fee-free


• There’s no limit to the number of points you can earn


• Save 3-25% on business purchases at companies like FedEx?, Delta?, Hertz?, and more.


• 0% APR for the first 12 months


• No annual fee and fee-free Additional Cards

Apply Now!

Business Gold Rewards Card from OPEN the small business team

• Business ownership has become more rewarding


• Earn up to 40,000 bonus points in one year – enough for one domestic round-trip airline ticket plus other business supplies.


• Points have no expiration date


• No limit to the number of Membership Rewards? points you can earn


• No annual fee for the first year – a savings of $125


• No pre-set spending limit* and no finance charges


• Save 3-25% on business purchases at companies like FedEx?, Delta?, Hertz?, and more.


• Automatic Complimentary enrollment in the Membership Rewards? program


• Redeem points for top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees

Apply Now!

See More Business Credit Cards and Business Rewards Credit Cards

The number one question I see regarding credit score pertains to credit cards. The question that is always asked is if I open up a new credit card will my credit score go down? On the other hand, if I pay off a credit card , should I close that credit card account.

The bottom line is you don’t want to utilize more than approximately 30% of your credit line or limit. Also, if you have more than one credit card, you don’t want to utilize more than 30% of the credit line of all of your credit cards. If you have three credit cards , each with $1000 credit limit , and you have $200 charged on each credit card, you have a total credit line of $3000 , and you have $600 in debt. In this case, you are utilizing 20% of your credit line. This will positively affect your credit score. However, if you close one of those credit cards, and you still have $600 in debt, now you’re utilizing over 30% of your credit line. Because your total credit limit is now only $2000 , and you have $600 in credit card debt, so closing one of your credit card accounts would actually lower your score.

Opening a new credit card will usually not affect your score in a negative way, due to the fact that your credit utilization will probably be higher because you will have a higher credit limit. Some factors may apply here. Those being longevity of the credit history, and the fact that an inquiry was obtained to extend you credit.

The major factors that lower credit scores are late payments, lower credit lines, link the credit history, a high number of inquiries, and any bankruptcy, collection, or foreclosure accounts.

The major factors that raise your credit score paying your monthly payments on time, having a long history of payments on your accounts, having a debt to credit limit ratio of less than 30%, small amounts of inquiries, and a mortgage or auto loan.

I recommend that everybody obtain a free copy of their credit report plus score. The links below point to 3 of the best credit reporting and scoring companies.

Experian Triple Advantage

Equifax Credit Watch™ Gold with 3-in-1 Monitoring

FICO? Credit Complete

Mylifemycard.com

Welcome to the American Express my lifemycard program. American Express offers a 0% interest rate for up to 15 months, a low or no annual fee, and excellent travel, hotel, and entertainment rewards. You can earn points towards airline tickets, or cash back, as well as hotel stays and entertainment venues just by purchasing daily items such as gas, groceries, airline tickets, hotel stays etc.

Apply for the Blue Cash from American Express card @ mylifemycard.com

Compare All American Express Credit Card Offers and Credit Card Rewards Here.

See also mylifemycard.com

Learn more about the SkyPointsTM Credit Card from Delta and American Express. Apply for the Gold Delta SkyMiles? Credit Card from American Express and get 17,500 bonus skymiles (subject to change). Find frequent flyer benefits, from the Delta SkyMiles program. The Delta SkyMiles and SkyPoints Credit Cards are accepted everywhere American Express? Cards are. Double Miles on Eligible Purchases.

When you apply for the Delta Skymiles Card by American Express you get an instant decision. This card is recommend for those with good to excellent credit.

Apply today at deltaskymiles.com
Gold Delta SkyMiles? Credit Card from American Express
Earn 15,000 bonus SkyMiles? after your first purchase with the Card
Earn 2,500 bonus miles for adding an Additional Cardmember with their application
Always Double Miles? on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
Earn one SkyMile for virtually every dollar you spend
No annual fee for the first year, then $95: $40 if you are a qualified American Express Cardmember
Express Approval. Get a decision in less than 60 seconds.

Apply Now!

Earn 15,000 bonus SkyMiles? after your first purchase with the CardEarn 2,500 bonus miles for adding an Additional Cardmember with their applicationAlways Double Miles? on every eligible dollar you spend at supermarkets, drugstores, gas stations and moreEarn one SkyMile for virtually every dollar you spendNo annual fee for the first year, then $95: $40 if you are a qualified American Express CardmemberExpress Approval. Get a decision in less than 60 seconds.Earn 15,000 bonus SkyMiles? after your first purchase with the CardEarn 2,500 bonus miles for adding an Additional Cardmember with their applicationAlways Double Miles? on every eligible dollar you spend at supermarkets, drugstores, gas stations and moreEarn one SkyMile for virtually every dollar you spendNo annual fee for the first year, then $95: $40 if you are a qualified American Express CardmemberExpress Approval. Get a decision in less than 60 seconds.

Business Gold Delta Skymiles Credit Card

Gold Delta SkyMiles? Business Credit Card from OPEN
Earn 15,000 bonus SkyMiles? after your first purchase with the Card
Earn 2,500 bonus miles for adding an Additional Cardmember with their application
Always Double Miles? on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
Earn one SkyMile for virtually every dollar you spend
No annual fee for the first year, then $95: $40 if you are a qualified American Express Cardmember
Express Approval. Get a decision in less than 60 seconds.
Apply Now!