American Express defines small businesses as companies with fewer than 100 employees and/or less than $10 million in annual sales. It markets card and lending products to these businesses using the American Express OPEN brand, which operates as a separate division within Amex’s card business including having its own marketing staff. OPEN’s new, no-annual-fee SimplyCash Plus Business Credit Card offers small businesses the ability to spend beyond their credit limit to make select large purchases. The amount spent above the credit limit must be paid in full each month, even if the cardholder...