Part 1 rate summary: dated 06/30/2026, issued by American Express National Bank
This Part 1 of the Card Member Agreement is dated 'As of: 06/30/2026' and names American Express National Bank as the issuer. It is headed for the Marriott Bonvoy Bevy American Express Card, so the rates, fees and limits that follow are those the agreement states for that card account.
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Card Member Agreement: Part 1 of 3
As of: 06/30/2026 Issuer: American Express National Bank
Marriott Bonvoy BevyTM American Express® Card
Qualifications & exceptions
Part 1 is the first of three parts; later parts and any supplements are also part of the agreement (see the cards on how the agreement is made up).
Not stated here
The date shown is an 'As of' date; this section does not state when the agreement takes effect for an account.
Charges & Financial Obligations · Company practice
Purchase APR is variable: Prime Rate + 12.74% to Prime Rate + 21.74%
The APR for purchases is stated as a variable rate, the Prime Rate plus a margin between 12.74% and 21.74%. The table gives a range and does not say which margin applies to a particular account. The table points to the Explanation of Variable Rates for how the rate changes.
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Supporting quotations
Annual Percentage Rate (APR) for Purchases | Prime Rate + 12.74% to Prime Rate + 21.74% This is a variable APR. See Explanation of Variable Rates below.
Qualifications & exceptions
The rate is expressed as Prime Rate plus a margin, not as a fixed percentage.
Not stated here
Which margin within the 12.74% to 21.74% range applies to a given account is not stated in this agreement.
The current Prime Rate value, and so the resulting percentage, is not stated in this agreement.
Charges & Financial Obligations · Company practice
Cash advance APR is variable: Prime Rate + 21.99%
The APR for cash advances is a variable rate of the Prime Rate plus 21.99%. Unlike purchases, the table states no range. Interest on cash advances starts on the transaction date, with no interest-free period.
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APR for Cash Advances | Prime Rate + 21.99% This is a variable APR. See Explanation of Variable Rates below.
We will begin charging interest on cash advances on the transaction date.
Qualifications & exceptions
What counts as a cash advance is defined in Part 2 (see the cash advance definition card).
Not stated here
The current Prime Rate value, and so the resulting percentage, is not stated in this agreement.
Charges & Financial Obligations · Restriction or exception
Penalty APR of Prime Rate + 26.74% can apply to new Transactions after a missed or returned payment
We have the right to apply a variable Penalty APR of the Prime Rate plus 26.74% to new Transactions if you do not pay at least the Minimum Payment Due by the Payment Due Date, or your payment is returned by your bank (and we will notify you if we do). If applied, it lasts at least 6 months. We review the Account every 6 months after it is applied, and it continues until you have made timely payments with no returned payments during the 6 months being reviewed.
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Prime Rate + 26.74% This is a variable APR. See Explanation of Variable Rates below. We have the right to apply the Penalty APR to new Transactions if:
you do not pay at least the Minimum Payment Due by the Payment Due Date;
your payment is returned by your bank and we will notify you if we do.
If the penalty APR is applied, it will apply for at least 6 months. We will review your Account every 6 months after the penalty APR is applied. The penalty APR will continue to apply until you have made timely payments with no returned payments during the 6 months being reviewed.
Qualifications & exceptions
The text says the Penalty APR applies to new Transactions; it does not say here that existing balances are repriced.
'Have the right to apply' is permissive: the table does not say that the Penalty APR is applied automatically.
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The table does not define 'Transactions' beyond Part 2's definition of a charge, nor say whether the Penalty APR replaces the purchase APR, the cash advance APR or both for new Transactions.
Charges & Financial Obligations · Company practice
Due Date is at least 25 days after billing period close; no purchase interest if the balance is paid in full
The Due Date is at least 25 days after the close of each billing period. We will not charge interest on purchases if you pay your entire balance (or, if you have a plan outstanding, your balance adjusted for plans) by the due date each month. Interest on cash advances begins on the transaction date.
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Your Due Date is at least 25 days after the close of each billing period.
We will not charge you interest on purchases if you pay each month your entire balance (or, if you have a plan outstanding, your balance adjusted for plans) by the due date.
We will begin charging interest on cash advances on the transaction date.
If you have an active plan created through Plan It, you can enter an Interest Free Period by paying at least the Balance Adjusted for Plans (or Adjusted Balance) by the Payment Due Date.
Qualifications & exceptions
The no-interest rule is for purchases only; interest on cash advances starts on the transaction date.
With an active Plan It plan, paying at least the Balance Adjusted for Plans (or Adjusted Balance) by the Payment Due Date is what enters an Interest Free Period.
Not stated here
No dollar figure for the 'Balance Adjusted for Plans' appears in the agreement, and the calculation of that balance is not described in this table row.
Charges & Financial Obligations · Company practice
Plan Fee: monthly fixed finance charge of up to 1.33% of each plan amount
A Plan Fee is a monthly fee of up to 1.33% of each purchase or amount moved into a plan. Its size depends on the plan duration, the APR that would otherwise apply to the purchase, and other factors. It is a fixed finance charge charged each month a plan is active. The dollar amount is disclosed before you set up a plan; Part 2's About Plan It feature has more detail.
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A monthly fee of up to 1.33% of each purchase or amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed before you set up a plan.
Each plan fee will be disclosed before you create the applicable plan
Qualifications & exceptions
The 1.33% figure is a ceiling ('up to'), not the rate every plan carries.
Not stated here
'Other factors' that affect the plan fee are not listed.
Charges & Financial Obligations · Company practice
Annual fee is $250; additional cards have no annual fee
The Rates and Fees Table lists a $250 annual fee. The Annual Fee for Additional Cards is stated as None. A separate Part 3 provision says when a charged annual fee is refunded if you close the account.
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Annual Fee | $250
Annual Fee: This fee is on the Rates and Fees Table on page 1 of Part 1.
Annual Fee for Additional Cards: None.
Qualifications & exceptions
Fees are added to the purchase balance unless the agreement says otherwise (see the card on where fees are added).
Not stated here
This section does not say when during the year the annual fee is billed.
Charges & Financial Obligations · Company practice
Fees are added to the purchase balance unless the agreement says otherwise
The agreement states that fees are added to the purchase balance unless we tell you otherwise. The cash advance fee is the stated exception: it is added to the Cash Advance balance.
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We add fees to a purchase balance, unless we tell you otherwise.
We will add this fee to the Cash Advance balance.
Not stated here
This passage does not itself say how interest applies to fees once they sit in a balance; interest mechanics are in Part 2.
Charges & Financial Obligations · Company practice
Cash advance fee: the greater of $10 or 5% of each cash advance
A cash advance carries a fee of 5% of the cash advance transaction, with a minimum of $10 (the table says 'either $10 or 5%... whichever is greater'). The 5% is figured on the transaction including any fees charged by the ATM operator, and the fee is added to the Cash Advance balance. A cash advance includes more than cash withdrawals: Part 2 defines it to cover cash equivalents such as travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, and race track wagers and other offline and online betting transactions.
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Either $10 or 5% of the amount of each cash advance, whichever is greater.
Cash Advance: 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10.
A cash advance is a charge to get cash or cash equivalents, including travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions.
Qualifications & exceptions
Cash advances are available at our discretion and subject to a Cash Advance Limit (see Part 2 and the credit limits card).
Charges & Financial Obligations · Company practice
No foreign transaction fee
The table and the fee description both state the Foreign Transaction fee as None. Separately, charges made in a foreign currency are converted to U.S. dollars as Part 3 describes.
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Foreign Transaction: None.
Qualifications & exceptions
The 'None' applies to the fee named Foreign Transaction; it does not address how the exchange rate used for conversion is set (see the currency conversion card).
Charges & Financial Obligations · Company practice
Late payment fee: $29 the first time, $40 on a repeat within 6 billing periods, capped at the prior Minimum Payment Due
If we do not receive the Minimum Payment Due by its Payment Due Date, the late payment fee is $29. If this happens again within the next 6 billing periods, the fee is $40. The table summarizes this as 'Up to $40'. The late fee on a billing statement will not exceed the Minimum Payment Due on your prior billing statement.
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Up to $40. Up to $40. None
Late Payment: Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee on a billing statement will not exceed the Minimum Payment Due on your prior billing statement.
Qualifications & exceptions
The table row 'Penalty Fees' lists Late Payment, Returned Payment and Overlimit with the values 'Up to $40. Up to $40. None', in that order.
Not stated here
The text does not say how the 6-billing-period window is counted when more than one late payment occurs.
Charges & Financial Obligations · Company practice
Returned payment fee: $29 first time, $40 on a repeat in the same or next 6 billing periods
If a payment you make is returned unpaid the first time we present it to your bank, the fee is $29. If this happens again within the same billing period or the next 6 billing periods, the fee is $40. The fee on a billing statement will not exceed the applicable Minimum Payment Due on your prior billing statement.
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Returned Payment: Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee on a billing statement will not exceed the applicable Minimum Payment Due on your prior billing statement.
Qualifications & exceptions
A returned payment can also lead to the Penalty APR (see the Penalty APR card).
Charges & Financial Obligations · Company practice
Returned check fee: $38, plus the unpaid amount
If you use your card to cash a check at one of our approved locations and the check is returned unpaid, the fee is $38. We will also charge you the unpaid amount.
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Returned Check: $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount.
Not stated here
Which locations are 'approved locations' is not stated here.
Charges & Financial Obligations · Company practice
No overlimit fee
The overlimit fee is None. The agreement points to Credit Limit and Cash Advance Limit in Part 1 for how going over the limit is handled.
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Supporting quotations
Overlimit: None. See Credit Limit and Cash Advance Limit in Part 1.
Qualifications & exceptions
Going over the limit can still matter: see the card on credit limits and going over the limit.
Charges & Financial Obligations · Company practice
Account re-opening fee: $25
If your Account is cancelled, you ask us to re-open it, and we do so, a $25 fee applies. The Part 3 closing provision says we may charge a $25 fee in the same situation.
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Account Re-opening: $25 if your Account is cancelled, you ask us to re-open it, and we do so.
Qualifications & exceptions
Part 1 states the fee as $25 without qualification once the account is re-opened; Part 3 words the same charge as one we 'may' charge.
Interest uses the average daily balance method, including new purchases
Part 1 summarizes how interest is calculated: the average daily balance method, including new purchases. It sends you to the How we calculate interest section in Part 2 for the details.
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We use a method called average daily balance method (including new purchases). See the How we calculate interest section in Part 2.
Charges & Financial Obligations · Company practice
Variable APRs rise and fall with the Prime Rate and will not exceed 29.99%
If the Prime Rate increases, variable APRs (and the corresponding DPRs) increase, so you may pay more interest and may have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to the variable APRs take effect as of the first day of the billing period during which the Prime Rate has changed. Variable APRs will not exceed 29.99%.
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If the Prime Rate increases, variable APRs (and corresponding DPRs) will increase. In that case, you may pay more interest and may have a higher Minimum Payment Due.
When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period during which the Prime Rate has changed.
Variable APRs will not exceed 29.99%.
Qualifications & exceptions
The 29.99% ceiling is stated for variable APRs generally.
Not stated here
The DPR values are not listed in this agreement (see the Daily Periodic Rate card in Part 2).
Prime Rate is the highest U.S. Prime Rate published in The Wall Street Journal on the billing period's Closing Date
Prime Rate means the highest U.S. Prime Rate published in the rates section of The Wall Street Journal on the Closing Date of the billing period. If the Journal does not publish it that day, we use the rate from the previous day it was published. If the Journal is no longer published or stops publishing the Prime Rate, we may use the Prime Rate published in another newspaper of general circulation. The Closing Date is shown on each billing statement and is the last day of the billing period it covers.
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Prime Rate means the highest U.S. Prime Rate published in the rates section of The Wall Street Journal on the Closing Date of the billing period.
If The Wall Street Journal does not publish the Prime Rate on that day, we will use the Prime Rate from the previous day it was published.
If The Wall Street Journal is no longer published or stops publishing the Prime Rate, we may use the Prime Rate published in another newspaper of general circulation.
The Closing Date appears on each billing statement and is the last day of the billing period covered by the billing statement.
Account & Service Control · Restriction or exception
We set your Credit Limit and Cash Advance Limit and may change them even if you pay on time
We assign a Credit Limit to your Account and may make part of it available for cash advances (the Cash Advance Limit). There may also be a limit on ATM withdrawals in a given period. We may increase or reduce either limit even if you pay on time and your Account is not in default. You agree to manage the Account so the balance (including fees and interest) stays within the Credit Limit, the cash advance balance (including fees and interest) stays within the Cash Advance Limit, and the total of plan balances (including plan fees) is not more than the Credit Limit.
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We assign a Credit Limit to your Account. We may make part of your Credit Limit available for cash advances (Cash Advance Limit). There may also be a limit on the amount you can withdraw from ATMs in a given period.
We may increase or reduce your Credit Limit and Cash Advance Limit. We may do so even if you pay on time and your Account is not in default.
your Account balance (including fees and interest) is not more than your Credit Limit, and
your cash advance balance (including fees and interest) is not more than your Cash Advance Limit
You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.
Qualifications & exceptions
The text says the limits are shown on page 1 of Part 1 and on each billing statement; the published agreement lists no dollar amounts.
Not stated here
The ATM withdrawal limit, if any, and the period it covers are not stated.
Charges & Financial Obligations · Restriction or exception
Going over the Credit Limit may be allowed with no overlimit fee, but we can ask you to pay the excess
We may approve charges that push your balance over your Credit Limit. If we do, we will not charge an overlimit fee. If we ask you to promptly pay the amount above the limit, you agree to do so. The Minimum Payment Due calculation also adds up to 1/24th of any overlimit amount.
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We may approve charges that cause your Account balance to go over your Credit Limit. If we do this, we will not charge an overlimit fee. If we ask you to promptly pay the amount of your Account balance above your Credit Limit, you agree to do so.
up to 1/24th of any overlimit amount
Qualifications & exceptions
Approval of over-limit charges is at our discretion ('may'); nothing here promises it.
Not stated here
The text does not say when or how quickly we will ask for the excess, or what 'promptly' means in days.
Cross-references
qualifies (model-proposed): No overlimit fee — Although no overlimit fee is charged, up to 1/24th of any overlimit amount is added to the Minimum Payment Due, and we may ask you to pay the excess promptly.
Charges & Financial Obligations · Restriction or exception
Person-to-person transactions are capped at $2,000 in any 30-day period
Your person-to-person transactions may not exceed $2,000 within any 30-day period, and you agree to manage the Account so the 30-day total stays within that Person-to-Person Limit. We may not approve a person-to-person transaction if it would exceed the applicable person-to-person limit or your Credit Limit. A person-to-person transaction is a charge for funds sent to another person or a charge to add funds to your Amex Send Account.
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Person-to-Person Limit: Your person-to-person transactions may not exceed $2,000 within any 30-day period. You agree to manage your Account so that the total of your person-to-person transactions in any 30-day period do not exceed the Person-to-Person Limit.
We may not approve a person-to-person transaction if it would cause your Account to exceed the applicable person-to-person transaction limit or your Credit Limit.
A person-to-person transaction is a charge for funds sent to another person or a charge to add funds to your Amex SendTM Account.
Qualifications & exceptions
Person-to-person transactions are not eligible purchases for earning Points (see the rewards exclusions card).
Not stated here
Whether the 30-day period is a rolling window or a fixed cycle is not defined; the text says 'any 30-day period'.
Charges & Financial Obligations · Company practice
Minimum Payment Due is the highest of three amounts, plus penalty fees, plan payments and past-due amounts
For each billing statement, we start with the highest of: (1) interest charged on the statement plus 1% of the New Balance (excluding interest, penalty fees, overlimit amount and plan balances); (2) 2% of the New Balance (excluding penalty fees, overlimit amount and plan balances); or (3) $40. Then we add any penalty fees shown on the statement, up to 1/24th of any overlimit amount, any plan payment due, and any amount past due. The Minimum Payment Due will not exceed your New Balance.
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Supporting quotations
To calculate the Minimum Payment Due for each billing statement, we start with the highest of:
Interest charged on the billing statement plus 1% of the New Balance (excluding any interest, penalty fees, overlimit amount, and plan balances); or
2% of the New Balance (excluding any penalty fees, overlimit amount, and plan balances); or
$40.
Then we add any penalty fees shown on the billing statement, up to 1/24th of any overlimit amount, any plan payment due, and any amount past due.
Your Minimum Payment Due will not exceed your New Balance.
Not stated here
'New Balance' and 'penalty fees' are not defined in this passage.
Worked example: $2,900 New Balance gives a $58.27 Minimum Payment Due
The agreement's example assumes a New Balance of $2,900, interest of $29.57 and no plans, overlimit amount, penalty fees or past-due amounts. The three tests give $58.27 ($29.57 plus 1% of the $2,900 New Balance less the $29.57 interest), $58 (2% of $2,900) and $40, so the highest, $58.27, is the Minimum Payment Due. The agreement adds that if there are active plans, an overlimit amount, penalty fees or past-due amounts, the Minimum Payment Due will be higher.
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Assume that your New Balance is $2,900, interest is $29.57, and you have no active plans, overlimit amount, penalty fees, or amounts past due.
$29.57 plus 1% multiplied by ($2,900 minus $29.57) equals $58.27
$58 (2% of $2,900)
$40
The highest of 1., 2., or 3. is $58.27. If your account has any active plans, overlimit amount, penalty fees, or amounts past due, your Minimum Payment Due will be higher.
Qualifications & exceptions
The figures are illustrative assumptions, not this account's rates or balances.
Charges & Financial Obligations · User right or choice
You may pay more than the Minimum Payment Due, up to your New Balance, at any time
You may pay more than the Minimum Payment Due, up to your New Balance, at any time.
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Supporting quotations
You may pay more than the Minimum Payment Due, up to your New Balance, at any time.
Qualifications & exceptions
A separate notice for Oregon residents states a similar right worded 'up to your entire outstanding balance'.
Charges & Financial Obligations · Company practice
Purchases have no interest in an Interest Free Period; paying the New Balance by the Payment Due Date enters one
You are not charged interest on purchases in an Interest Free Period. Your account enters one when you pay your New Balance as shown on your statement by the Payment Due Date, or your account had no previous balance. When you are not in an Interest Free Period, we charge interest on purchases from the date of the transaction. If you have an active Plan It plan, you can enter an Interest Free Period by paying at least the Balance Adjusted for Plans (or Adjusted Balance) by the Payment Due Date.
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You are not charged interest on purchases when you are in an Interest Free Period.
Your account enters an Interest Free Period when you pay your New Balance as shown on your statement by the Payment Due Date or your account had no previous balance.
When your account is not in an Interest Free Period, we charge interest on purchases from the date of the transaction.
If you have an active plan created through Plan It, you can enter an Interest Free Period by paying at least the Balance Adjusted for Plans (or Adjusted Balance) by the Payment Due Date.
Qualifications & exceptions
The grace period applies to purchases only (see the card on balance transfers and cash advances).
Not stated here
The text uses 'Balance Adjusted for Plans' and 'Adjusted Balance' together without defining either figure.
Charges & Financial Obligations · Company practice
After you re-enter an Interest Free Period, interest from the earlier cycle can still appear on your next statement
After you enter an Interest Free Period again, interest may appear on your next billing statement. The agreement says this reflects interest charged from the beginning of that billing cycle through the date the payment was received. For more detail on how interest is calculated, the agreement points to its How we calculate interest section.
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After you enter an Interest Free Period again, interest may appear on your next billing statement. This reflects interest charged from the beginning of that billing cycle through the date the payment was received.
For more details about how we calculate your interest charges, see the How we calculate interest section of this agreement.
Charges & Financial Obligations · Company practice
Balance transfers and cash advances accrue interest from the transaction date with no Interest Free Period
Balance transfers and cash advances are charged interest from the date of the transaction and do not have an Interest Free Period.
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Supporting quotations
Balance Transfers and Cash Advances will be charged interest from the date of the transaction and do not have an Interest Free Period.
Qualifications & exceptions
Part 2 says balance transfers and cash advances are available at our discretion.
Parts 1, 2 and 3 and any supplements or amendments make up the Card Member Agreement
Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement, and you can request a copy through your online account or by calling the number on the back of your Card. The rewards program terms that follow in this document are headed 'Supplement to the Card Member Agreement'.
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Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement. You can request a copy of your Card Member Agreement through your online account or by calling the number on the back of your Card.
Charges & Financial Obligations · Company practice
Earn 2 Marriott Bonvoy Points per $1 of eligible purchases
You receive 2 Marriott Bonvoy Points for each $1 of eligible purchases on the Card Account. Eligible purchases are purchases for goods and services minus returns and other credits.
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You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Bevy™ American Express® Card (Card Account).
Eligible purchases are purchases for goods and services minus returns and other credits.
Qualifications & exceptions
Higher earn rates for some Marriott purchases and for restaurants and supermarkets are described in separate paragraphs.
Rewards are only for eligible purchases for personal, family or household use (see the card on that limit).
Charges & Financial Obligations · Restriction or exception
Fees, interest, cash advances, cash equivalents, most gift cards and person-to-person transactions earn no Points
Eligible purchases do not include fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, purchases of gift cards (except Marriott gift cards purchased at Marriott online stores), or person-to-person transactions.
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Eligible purchases do NOT include: fees or interest charges, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, purchases of gift cards (except Marriott gift cards purchased at Marriott online stores), or person-to-person transactions.
Qualifications & exceptions
The gift card exception is limited to Marriott gift cards bought at Marriott online stores.
Cross-references
narrows (model-proposed): Earn 2 Marriott Bonvoy Points per $1 of eligible purchases — Fees, interest, cash advances, cash equivalents, most gift cards and person-to-person transactions are not eligible purchases, so they earn no Points at the 2-per-$1 rate.
Charges & Financial Obligations · Company practice
Earn 6 Points per $1 (4 additional) charged directly with participating Marriott outlets
You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), in each case owned or managed by Marriott International, Inc. and its affiliates.
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Supporting quotations
You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates.
Qualifications & exceptions
The rate applies to purchases charged 'directly with' the listed Marriott outlets that are owned or managed by Marriott International, Inc. and its affiliates.
Not stated here
Which properties are 'participating' is not listed in this agreement.
The text does not say what happens for a purchase booked through a third party.
Charges & Financial Obligations · Company practice
Restaurants and U.S. supermarkets earn 4 Points per $1 on the first $15,000 per calendar year
On the first $15,000 of eligible purchases per calendar year, you receive 2 additional Points (a total of 4) for each $1 of eligible purchases at restaurants worldwide, and 2 additional Points (a total of 4) for each $1 at supermarkets located in the United States. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets.
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Supporting quotations
On the first $15,000 of eligible purchases per calendar year, you receive 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide
2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at supermarkets located in the United States.
(Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets).
You receive 4 additional Points (for a total of 6 Points)
Qualifications & exceptions
The base earn rate is 2 Points per $1; the Marriott outlet rate is a separate paragraph (4 additional, 6 total).
Not stated here
The text does not say whether the $15,000 limit is one combined limit for restaurants and supermarkets or applies to each category separately.
The text does not say what rate applies above $15,000; only the first $15,000 is described as earning the additional Points.
The text does not say how a purchase that fits both the Marriott outlet rate and the restaurant or supermarket rate is rewarded.
Charges & Financial Obligations · Restriction or exception
Extra Points depend on merchant category codes, and some purchases may not qualify
Merchants are assigned codes based on what they primarily sell, and we group certain codes into categories eligible for additional Points. A purchase with a merchant whose code is not in a reward category will not receive additional Points. You may not receive additional Points if we receive inaccurate information or cannot identify the purchase as eligible. Examples given: a merchant using a third party to sell its products or services; a merchant using a third party to process or submit the transaction (for example mobile or wireless card readers); or you paying through a third-party payment account or a mobile or digital wallet.
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Supporting quotations
Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category.
You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category.
a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.
Qualifications & exceptions
The examples are introduced with 'for example', so the list is not stated to be complete.
Not stated here
Which merchant codes are in each reward category is not listed in this agreement.
You can view year-to-date Points online and call about additional Points
You can view the Points earned year to date on the Card by logging onto your online account at americanexpress.com and viewing the account summary page. For questions about additional Points on a purchase, call the number on the back of your Card. The agreement also points to americanexpress.com/rewards-info for more information about rewards.
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Supporting quotations
You can view your Points earned year to date on the Card by logging onto your online account at americanexpress.com and viewing your account summary page.
For questions about additional Points on a purchase, call the number on the back of your Card.
Please visit americanexpress.com/rewards-info for more information about rewards.
Not stated here
The content of the rewards-info page is not part of the supplied agreement.
Charges & Financial Obligations · Company practice
Promotional bonus Points offers carry their own terms, which may differ from these
From time to time we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them, and those terms may differ from the terms for Points earned on eligible purchases, including about when you can use the Points.
Details not recorded for this card
Supporting quotations
From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points.
Not stated here
The terms of any particular promotion are not in this agreement.
Charges & Financial Obligations · Company practice
Points transfer to your Marriott Bonvoy account after the billing period; bonus Points can take up to 12 weeks
We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points from your Card are posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month, and your account must not be cancelled or delinquent at the time of bonus fulfillment.
Details not recorded for this card
Supporting quotations
We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them.
Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment.
Not stated here
The text does not define 'Bonus Points' (the additional Points above the base rate, or promotional bonus Points), so which Points the 12-week timing covers is not stated.
'Delinquent' is not defined here, and the text does not say which account (the Card Account or the Marriott Bonvoy account) must not be cancelled or delinquent.
Charges & Financial Obligations · Restriction or exception
Missing the Minimum Payment Due date forfeits that billing period's Points
If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you forfeit the Points you earned for eligible purchases during that billing period. In the agreement's example, a billing period closes January 15, its minimum payment is due February 10, and the payment is not made by February 10; you then do not earn Points for purchases in the billing period ending February 15.
Details not recorded for this card
Supporting quotations
When you will forfeit points: If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period.
For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15.
Qualifications & exceptions
In the example the Points lost are those for the billing period ending February 15, the period in which the missed due date falls, not the period that closed January 15.
Not stated here
The rule says you 'forfeit' Points 'earned' and the example says you 'will not earn' Points; the text does not say whether that is a difference in effect.
Cross-references
qualifies (model-proposed): Earn 2 Marriott Bonvoy Points per $1 of eligible purchases — Points earned on eligible purchases in a billing period are forfeited if the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due.
Charges & Financial Obligations · User right or choice
Forfeited Points can be reinstated within 12 billing periods for a $35 fee if the account is not past due
You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.
Details not recorded for this card
Supporting quotations
You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee.
Qualifications & exceptions
'Those Points' refers to the Points forfeited for a missed Minimum Payment Due date.
Not stated here
The text does not say from what date the 12 billing periods are counted.
Charges & Financial Obligations · Restriction or exception
Rewards are earned only on eligible purchases for personal, family or household use
You will only receive rewards for eligible purchases for personal, family or household use.
Details not recorded for this card
Supporting quotations
You will only receive rewards for eligible purchases for personal, family or household use.
Qualifications & exceptions
Part 2 separately says you agree to use the Card for personal, family or household purposes only.
Account & Service Control · Restriction or exception
Each Card Member needs a unique, active Marriott Bonvoy loyalty account or the Card Account may be cancelled
Each Card Member must have a unique Marriott Bonvoy loyalty account. American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account.
Details not recorded for this card
Supporting quotations
Each Card Member must have a unique Marriott Bonvoy loyalty account. American Express may cancel your Card Account if you do not maintain an active Marriott Bonvoy loyalty account.
Not stated here
'Active' is not defined, and no notice or cure period before cancellation is stated here.
Charges & Financial Obligations · Restriction or exception
We may change the rewards terms at our discretion, and abuse of the program can forfeit Points
We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points.
Details not recorded for this card
Supporting quotations
We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points.
Not stated here
The text does not say how changes are announced or when they take effect, and does not define 'violate or abuse'.
Charges & Financial Obligations · Restriction or exception
American Express is not responsible for Points after they are credited to your Marriott Bonvoy account
We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account.
Details not recorded for this card
Supporting quotations
We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. (Marriott). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account.
Charges & Financial Obligations · Context
Points and membership are subject to Marriott's own terms; Card benefit details are at a linked page
Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions, which can be found at marriott.com, for details on Marriott's right to change its program terms and other conditions that may apply to the loyalty program. For detailed information about Card benefits, the agreement refers you to go.amex/fqFcQQ.
Details not recorded for this card
Supporting quotations
Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at marriott.com, for details on:
Marriott's right to change its program terms. other conditions that may apply to the loyalty program.
Additional Details: For detailed information about Card benefits please visit go.amex/fqFcQQ.
Qualifications & exceptions
The two items after 'for details on' run together in the source as 'Marriott's right to change its program terms. other conditions that may apply to the loyalty program.'
Not stated here
The Marriott Bonvoy Terms and Conditions and the Card benefits page are not part of the supplied agreement, so their contents are unknown.
Legal Rights & Agreement Rules · Company practice
Using the Account or keeping the Card means you accept the agreement; unused accounts can be cancelled without fees
Part 2 together with Part 1 and Part 3 makes up the Card Member Agreement for the Account identified on page 1 of Part 1, and any supplements or amendments are also part of it. When you use the Account (or you sign or keep the Card), you agree to the terms. If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.
Details not recorded for this card
Supporting quotations
This document together with Part 1 and Part 3 make up the Card Member Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
When you use the Account (or you sign or keep the Card), you agree to the terms of the Agreement.
If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.
Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement.
Qualifications & exceptions
The no-fee cancellation applies to fees; the text does not say it relieves you of charges you have made.
Not stated here
The condition 'not yet used the Account or made a payment' can be read as requiring neither use nor payment; the text does not say whether use alone or payment alone ends the right to cancel.
No time limit for the cancellation is stated in this paragraph.
Legal Rights & Agreement Rules · Permission or license
We may change the agreement, subject to applicable law; oral changes do not count
We may change this Agreement, subject to applicable law. The written Agreement is the final expression of the agreement governing the Account and may not be modified or amended by any alleged oral agreement.
Details not recorded for this card
Supporting quotations
We may change this Agreement, subject to applicable law. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be modified or amended by any alleged oral agreement.
Qualifications & exceptions
The reserved right is ours; it is limited only by 'applicable law' in this passage.
Not stated here
This passage states no notice period, effective-date rule or right to decline a change; how notices are sent is described separately in Part 3.
'We' is the issuer, 'you' is the applicant (the Basic or Primary Card Member), and 'Card' includes other access devices
We, us and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for the Account and for whom we opened it; the agreement calls you the Basic or Primary Card Member. You may request a Card for an Additional Card Member. Card means any American Express Card or other device that we issue to access your Account.
Details not recorded for this card
Supporting quotations
We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. We will refer to you as either the Basic or Primary Card Member. You may request a Card for an Additional Card Member. Card means any American Express Card or other device that we issue to access your Account.
A 'charge' is any amount added to the Account; 'purchase' includes goods, services and person-to-person transactions
A charge is any amount added to your Account, such as purchases, cash advances, balance transfers, fees and interest charges. A purchase is a charge for goods, services or person-to-person transactions. A balance transfer is a charge to pay an amount you owe on another credit card account.
Details not recorded for this card
Supporting quotations
A charge is any amount added to your Account, such as purchases, cash advances, balance transfers, fees, and interest charges. A purchase is a charge for goods, services, or person-to-person transactions.
A balance transfer is a charge to pay an amount you owe on another credit card account.
Qualifications & exceptions
Person-to-person transactions count as purchases under this definition but are excluded from earning Points.
A cash advance covers cash equivalents such as foreign or digital currency, money orders and betting transactions
A cash advance is a charge to get cash or cash equivalents, including travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions. Cash advances carry their own APR, fee and no Interest Free Period under Part 1.
Details not recorded for this card
Supporting quotations
A cash advance is a charge to get cash or cash equivalents, including travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions.
Qualifications & exceptions
The list is introduced with 'including', so it is not stated to be exhaustive.
Not stated here
The text does not say how a purchase that is also a betting or currency transaction is classified at the point of sale.
Charges & Financial Obligations · Restriction or exception
Paying 'by' a date means we must receive and credit the payment by that date
To pay by a certain date means to send your payment so that we receive it and credit it to your Account by that date. Payment deadlines in the agreement, such as the Payment Due Date, are measured by when we receive and credit the payment, not when you send it.
Details not recorded for this card
Supporting quotations
To pay by a certain date means to send your payment so that we receive it and credit it to your Account by that date.
Qualifications & exceptions
Part 2's payment section says how and when a payment is credited.
Account & Service Control · Restriction or exception
Plans, cash advances and balance transfers are at our discretion; you cannot transfer balances from our other accounts
You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates.
Details not recorded for this card
Supporting quotations
You may use the Card to make charges. At our discretion, we may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by us or our affiliates.
Not stated here
The factors we use to decide whether to permit these features are not stated in this paragraph.
We may tell merchants storing your Card number about new card details or Account status; you can ask us not to
You may arrange for merchants and third parties to store your Card number and expiration date so they can charge your Account, for example at regular intervals. We may, but are not required to, tell these merchants and third parties if your expiration date or Card number changes or if your Account status is updated, including if your Account is cancelled. If you do not want us to share your updated Account information, contact us using the number on the back of your Card.
Details not recorded for this card
Supporting quotations
We may (but are not required to) tell these merchants and third parties if your expiration date or Card number changes or if your Account status is updated, including if your Account is cancelled.
If you do not want us to share your updated Account information, please contact us using the number on the back of your Card.
Not stated here
Which merchants or third parties receive updates is not specified; the paragraph says 'certain merchants and third parties'.
Security & Safeguards · Procedure
Keep the Card safe and contact us right away if it is lost, stolen or used without permission
Keep your Card safe and don't let anyone else use it. If your Card is lost or stolen or your Account is being used without your permission, contact us right away.
Details not recorded for this card
Supporting quotations
Keep your Card safe and don't let anyone else use it. If your Card is lost or stolen or your Account is being used without your permission, contact us right away.
Qualifications & exceptions
Elsewhere you promise to pay charges made by people you permit to use the Card.
Not stated here
This passage does not state who bears the loss for unauthorized charges.
Account & Service Control · Restriction or exception
We may decline a charge for various reasons even within your limit, and are not responsible for resulting losses
We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if your Account is not in default. We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card. Separately, we may also approve charges that take the balance over the Credit Limit.
Details not recorded for this card
Supporting quotations
We may decline to authorize a charge for various reasons, including if we suspect fraud or based on our assessment of your creditworthiness, even if the charge would not cause you to go over your Credit Limit and even if your Account is not in default.
We are not responsible for any losses you incur if we do not authorize a charge or if any merchant refuses to accept the Card.
We may approve charges that cause your Account balance to go over your Credit Limit.
Qualifications & exceptions
The reasons are introduced with 'including', so they are examples.
Charges & Financial Obligations · Company practice
Plan It lets you pay a qualifying purchase over time for a monthly plan fee instead of the purchase APR
We may offer you Plan It, which lets you create a payment plan for qualifying purchases or a qualifying amount, subject to a plan fee that is a fixed finance charge charged each month a plan is active. You select the purchases or amount and a plan duration, and can view the monthly plan payments, including the plan fee, before choosing. When you set up a plan, the purchases or amount are added to a plan balance and are subject to a plan fee instead of the APR for purchases. A plan is a portion of your account balance that you have selected to pay over time through a set number of monthly payments using Plan It.
Details not recorded for this card
Supporting quotations
About Plan It: We may offer you Plan It, which allows you to create a payment plan for qualifying purchases or a qualifying amount, subject to a plan fee. This fee is a fixed finance charge that will be charged each month that a plan is active.
You will be able to view the monthly plan payments, including the plan fee, for your selection.
When you set up a plan, the purchases or amount will be added to a plan balance and will be subject to a plan fee instead of the APR for purchases.
A plan is a portion of your account balance that you have selected to pay over time through a set number of monthly payments using Plan It.
Qualifications & exceptions
Part 1 gives the plan fee as up to 1.33% per month, set by plan duration, the APR that would otherwise apply and other factors.
Not stated here
The plan durations and the number of plans available are not listed here.
Charges & Financial Obligations · Restriction or exception
Plan It covers only qualifying purchases and excludes cash equivalents, balance transfers, foreign-fee purchases, fees
A qualifying purchase for Plan It is a purchase of at least a specified dollar amount, and a qualifying amount is a specified portion of your balance. Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) do not include purchases of cash or cash equivalents, balance transfers (if offered), purchases subject to Foreign Transaction Fees, or any fee owed to us, such as Annual Fees.
Details not recorded for this card
Supporting quotations
A qualifying purchase for Plan It is a purchase of at least a specified dollar amount. A qualifying amount for Plan It is a specified portion of your balance.
do not include purchases of cash or cash equivalents, balance transfers (if offered), purchases subject to Foreign Transaction Fees, or any fee owed to us, such as Annual Fees.
Not stated here
The 'specified dollar amount' and 'specified portion' are not given in this agreement.
Part 1 lists the Foreign Transaction fee for this Card as None, and the agreement does not say which purchases, if any, the foreign-transaction exclusion reaches on this Card.
Charges & Financial Obligations · Restriction or exception
Creating Plan It plans depends on creditworthiness, Credit Limit and the status of your American Express accounts
Your ability to create plans is based on factors such as your creditworthiness and your Credit Limit. You cannot create plans if your Account is cancelled, or if one or more of your American Express accounts is enrolled in a payment program, has a payment returned unpaid, or is past due. We tell you how many active plans you may have and may change that number at any time. Plan durations offered, and whether you can include multiple purchases or a qualifying amount in one plan, are at our discretion. You agree to keep total plan balances (including plan fees) within your Credit Limit.
Details not recorded for this card
Supporting quotations
Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Credit Limit.
You will not be able to create plans if your Account is cancelled. You will also not be able to create plans if one or more of your American Express accounts is enrolled in a payment program, or has a payment that is returned unpaid, or is past due.
We will tell you the number of active plans you may have and we may change this number at any time.
The plan durations offered to you, and your ability to include multiple qualifying purchases or a qualifying amount in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history.
You agree to manage your Account so that the total of your plan balances (including plan fees) is not more than your Credit Limit.
Qualifications & exceptions
The status conditions refer to any of your American Express accounts, not only this Account.
Not stated here
'Payment program' is not defined in the agreement.
Charges & Financial Obligations · Restriction or exception
Plans cannot be cancelled once created, but paying the New Balance in full stops future plan fees on that plan
Plans cannot be cancelled after they are created. You can pay a plan early by paying the New Balance shown on your most recent billing statement in full, and if you pay a plan off early you do not incur future plan fees on that plan. Otherwise a plan balance is subject to a plan fee instead of the APR for purchases.
Details not recorded for this card
Supporting quotations
Plans cannot be cancelled after they have been created but you can choose to pay them early by paying the New Balance shown on your most recent billing statement in full. If you pay a plan off early, you will not incur any future plan fees on that plan.
When you set up a plan, the purchases or amount will be added to a plan balance and will be subject to a plan fee instead of the APR for purchases.
Not stated here
The text does not say whether plan fees already charged are refunded on early payoff.
Charges & Financial Obligations · Restriction or exception
You promise to pay all charges, including those by Additional Card Members or people you permit
You promise to pay all charges added to your Account, including charges that you or your Additional Card Members make, or permit others to make, even if you or they do not present the Card or sign for the transaction. You must pay at least the Minimum Payment Due on or before the Payment Due Date, in the time and manner shown on each billing statement. Paying by a date means we must receive and credit the payment by that date. You are responsible for all use of the Account by Additional Card Members and anyone they allow to use it.
Details not recorded for this card
Supporting quotations
Promise to pay: You promise to pay all charges added to your Account, including charges that you or your Additional Card Members make, or permit others to make, even if you or they do not present the Card or sign for the transaction.
You must pay at least the Minimum Payment Due on or before the Payment Due Date in the time and manner shown on each billing statement.
To pay by a certain date means to send your payment so that we receive it and credit it to your Account by that date.
You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made.
Qualifications & exceptions
Part 1 sets the consequences of missing the Payment Due Date: late fee, possible Penalty APR and loss of the Interest Free Period.
Payments must be in U.S. dollars by check, negotiable instrument or electronic payment, with mail-in requirements
Make payments in U.S. dollars with a single check drawn on a U.S. bank, a single negotiable instrument clearable through the U.S. banking system (for example a money order), or an electronic payment that can be cleared through the U.S. banking system. When paying by mail, make a separate payment for each Account, mail it to the address on the payment coupon of your billing statement, and write your Account number on the check or instrument and include the payment coupon.
Details not recorded for this card
Supporting quotations
How to make payments: Make payments to us in U.S. dollars with:
a single check drawn on a U.S. bank, or
a single negotiable instrument clearable through the U.S. banking system, for example a money order, or
an electronic payment that can be cleared through the U.S. banking system.
When making a payment by mail:
make a separate payment for each Account,
mail your payment to the address shown on the payment coupon on your billing statement, and
write your Account number on your check or negotiable instrument and include the payment coupon.
Charges & Financial Obligations · Company practice
Compliant payments are credited the day received if on time; late or non-compliant ones may be delayed
If your payment meets the above requirements, we credit it to your Account as of the day we receive it, as long as we receive it by the time and in the manner disclosed in your billing statement. If we receive it after that time, we credit it on the day after we receive it. If your payment does not meet the requirements, there may be a delay in crediting your Account, which may result in late payment fees and additional interest charges (the agreement points to How Rates and Fees Work in Part 1).
Details not recorded for this card
Supporting quotations
If your payment meets the above requirements, we will credit it to your Account as of the day we receive it, as long as we receive it by the time and in the manner disclosed in your billing statement. If we receive it after that time, we will credit the payment on the day after we receive it.
If your payment does not meet the above requirements, there may be a delay in crediting your Account. This may result in late payment fees and additional interest charges (see the How Rates and Fees Work in Part 1).
Not stated here
The cut-off time is on the billing statement and is not stated in this agreement.
Charges & Financial Obligations · Restriction or exception
We do not accept foreign-currency or non-U.S. bank payments; processing a late or restricted payment waives nothing
We will not accept a payment made in a foreign currency or a payment drawn on an account at a bank located outside of the U.S. If we process a late payment, a partial payment, or a payment marked with any restrictive language, that has no effect on our rights and does not change this Agreement.
Details not recorded for this card
Supporting quotations
We will not accept a payment made in a foreign currency or a payment drawn on an account at a bank located outside of the U.S. If we process a late payment, a partial payment, or a payment marked with any restrictive language, that will have no effect on our rights and will not change this Agreement.
Charges & Financial Obligations · Company practice
Payments up to the minimum go to plan amounts and lowest-rate balances first; the rest to the highest-rate first
Where the Account has balances with different interest rates, plan balances or plan fees, we generally apply payments in a billing period as follows. Payments up to the Minimum Payment Due go first to plan amounts included in the Minimum Payment Due, then to the balance with the lowest interest rate, then to balances with higher rates. After the Minimum Payment Due has been paid, payments go to the balance with the highest interest rate, then to balances with lower rates, and then to any plan balances.
Details not recorded for this card
Supporting quotations
here is how we generally apply payments in a billing period:
We apply your payments, up to the Minimum Payment Due, first to any Plan amounts included in your Minimum Payment Due, then to the balance subject to the lowest interest rate, and then to balances subject to higher interest rates.
After the Minimum Payment Due has been paid, we apply your payments to the balance subject to the highest interest rate, then to balances subject to lower interest rates, and then to any Plan balances.
Qualifications & exceptions
The order is described as general ('generally'), and within balances with the same rate we may apply payments in any order we choose.
Charges & Financial Obligations · Company practice
Credits usually go to the same balance as the charge; a credit for a plan purchase needs a call to reach the plan
In most cases we apply a credit to the same balance as the related charge; for example a purchase credit goes to the purchase balance. We may apply payments and credits within balances, and among balances with the same interest rate, in any order we choose. An excess credit left in a balance at the end of a billing period is redistributed to other balances under the payment order above, so plan balances may get paid before they otherwise would. If you receive a credit for a purchase placed into a plan, you must call us at the number on the back of your Card to have the credit applied to the plan balance.
Details not recorded for this card
Supporting quotations
In most cases, we apply a credit to the same balance as the related charge. For example, we apply a credit for a purchase to the purchase balance. We may apply payments and credits within balances, and among balances with the same interest rate, in any order we choose.
If there is a negative balance in any balance on the account at the end of a billing period, that excess credit will be redistributed to other balances in accordance with how we apply payments described above. This means that in certain circumstances, Plan balances may get paid before they otherwise would.
If you receive a credit for a purchase placed into a plan, you must call us at the number on the back of your Card to have the credit applied to the Plan balance.
Charges & Financial Obligations · Company practice
Interest per balance = average daily balance x daily periodic rate x days in the billing period
We calculate interest for a billing period by first figuring the interest on each balance, since categories such as purchases and cash advances (and balances within them) may have different rates. We use the Average Daily Balance method (including new transactions), and the total interest charged for the period is the sum of the interest on each balance. Interest on a balance equals the Average Daily Balance multiplied by the Daily Periodic Rate multiplied by the number of days in the billing period, except for variations caused by rounding. The ADB is the sum of the daily balances divided by the days in the billing period.
Details not recorded for this card
Supporting quotations
We calculate interest for a billing period by first figuring the interest on each balance. Different categories of transactions--such as purchases and cash advances--may have different interest rates. Balances within each category may also have different interest rates.
We use the Average Daily Balance method (including new transactions) to figure interest charges for each balance. The total interest charged for a billing period is the sum of the interest charged on each balance.
Interest: The interest charged for a balance in a billing period, except for variations caused by rounding, equals:
Average Daily Balance (ADB) multiplied by
Daily Periodic Rate (DPR) multiplied by
number of days in the billing period.
ADB: To get the ADB for a balance, we add up its daily balances. Then we divide the result by the number of days in the billing period.
Not stated here
The DPR values for this Account's balances are not stated; see the Daily Periodic Rate card.
DPR is 1/365th of an APR, but the agreement does not show the DPRs it says Part 1 contains
The agreement defines the Average Daily Balance (ADB) as the sum of a balance's daily balances divided by the days in the billing period, and a Daily Periodic Rate (DPR) as 1/365th of an APR, rounded to one ten-thousandth of a percentage point. It then says 'Your DPRs are shown in How Rates and Fees Work in Part 1.' The published agreement does not list any DPR: its How Rates and Fees Work section holds the Explanation of Variable Rates, Determining the Prime Rate, Fees and limits, and the Rates and Fees Table gives APRs as the Prime Rate plus a margin, some as a range, with no DPR values.
Details not recorded for this card
Supporting quotations
ADB: To get the ADB for a balance, we add up its daily balances. Then we divide the result by the number of days in the billing period.
DPR: A DPR is 1/365th of an APR, rounded to one ten-thousandth of a percentage point. Your DPRs are shown in How Rates and Fees Work in Part 1.
How Rates and Fees Work
variable APRs (and corresponding DPRs) will increase
Qualifications & exceptions
The Part 1 explanation of variable rates says the DPRs corresponding to variable APRs rise when the Prime Rate rises.
Not stated here
The DPR values are not in the published agreement and are not computed or taken from another source here.
Because the APRs are stated as the Prime Rate plus a margin (some as a range), this agreement does not state which APR, and so which DPR, applies to a given balance.
Worked example: a 15.99% rate, $2,250 ADB and 30 days gives $29.57 of interest
The agreement's example assumes a single interest rate of 15.99%, an ADB of $2,250 and 30 days in the billing period. The DPR is 15.99% divided by 365 days, which equals 0.0438%, and the interest is $2,250 multiplied by 0.0438% multiplied by 30 days, which equals $29.57.
Details not recorded for this card
Supporting quotations
Assume that you have a single interest rate of 15.99%, your ADB is $2,250 and there are 30 days in the billing period. The DPR is 15.99% divided by 365 days equals 0.0438%
The Interest is $2,250 multiplied by 0.0438% multiplied by 30 days equals $29.57
Qualifications & exceptions
The 15.99% rate is an assumption for illustration, not a rate stated for this Card; this Card's purchase and cash advance APRs are variable and stated as the Prime Rate plus a margin.
Charges & Financial Obligations · Company practice
Daily balance adds new charges as of the transaction date and treats a negative balance as zero
We figure the daily balance for each balance by taking the beginning balance for the day, adding any new charges, subtracting any payments or credits, and making any appropriate adjustments. We add a new charge to a daily balance as of its transaction date. If the daily balance is negative, we treat it as zero. A charge is any amount added to the Account, such as purchases, cash advances, balance transfers, fees and interest charges.
Details not recorded for this card
Supporting quotations
Daily Balance: We figure the daily balance for each balance by:
taking the beginning balance for the day,
adding any new charges,
subtracting any payments or credits; and
making any appropriate adjustments.
We add a new charge to a daily balance as of its transaction date. If the daily balance is negative, we treat it as zero.
A charge is any amount added to your Account, such as purchases, cash advances, balance transfers, fees, and interest charges.
Charges & Financial Obligations · Company practice
Interest compounds daily because each day's balance includes the prior day's interest
For the first day of a billing period, the beginning balance is the ending balance for the prior billing period, including unpaid interest. For the rest of the billing period, the beginning balance is the previous day's daily balance plus interest equal to that day's daily balance multiplied by the DPR for that balance. The agreement states that this method results in daily compounding of interest.
Details not recorded for this card
Supporting quotations
Beginning balance: For the first day of a billing period, the beginning balance is the ending balance for the prior billing period, including unpaid interest. For the rest of the billing period, the beginning balance is the previous day's daily balance plus an amount of interest equal to the previous day's daily balance multiplied by the DPR for that balance. This method of figuring the beginning balance results in daily compounding of interest.
Qualifications & exceptions
During an Interest Free Period on purchases, the Part 1 rules say no interest is charged on purchases.
Charges & Financial Obligations · Permission or license
We may use other equivalent formulas and may choose not to charge interest on certain charges
To figure the ADB and interest charges, we may use other formulas or methods that produce equivalent results. We may also choose not to charge interest on certain types of charges.
Details not recorded for this card
Supporting quotations
To figure the ADB and interest charges, we may use other formulas or methods that produce equivalent results. Also, we may choose not to charge interest on certain types of charges.
Not stated here
Which types of charges might not bear interest is not stated.
Legal Rights & Agreement Rules · User right or choice
Military Lending Act: the cost of credit to covered service members and dependents may not exceed a 36% annual rate
The agreement states that federal law gives members of the Armed Forces and their dependents protections on consumer credit. In general, the cost of consumer credit to such a member and dependent may not exceed an annual percentage rate of 36 percent, and that rate must include, as applicable, credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee (other than certain ones), and any participation fee (other than certain ones for a credit Card Account).
Details not recorded for this card
Supporting quotations
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.
This rate must include, as applicable to the credit transaction or Account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or Accounts); and any participation fee (other than certain participation fees for a credit Card Account).
Qualifications & exceptions
The statement is introduced with 'In general' and refers to federal law, whose text is not supplied.
Not stated here
Which application and participation fees are carved out is not specified here.
Who counts as a covered borrower is determined by the federal law, not set out in this agreement.
Legal Rights & Agreement Rules · Restriction or exception
Covered borrowers are not bound by the arbitration provision, but may still elect arbitration
You can call 855-531-0379 to listen to the Military Lending Act statement and a description of your payment obligation. If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section will not apply to you in connection with this Account. However, if you elect arbitration, we will comply with our obligations under the Claims Resolution section.
Details not recorded for this card
Supporting quotations
To listen to this statement, as well as a description of your payment obligation for this Account, call us at 855-531-0379.
If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section of this Agreement will not apply to you in connection with this Account. However, if you elect arbitration, we will comply with our obligations under the Claims Resolution section of this Agreement.
Qualifications & exceptions
This is a stated exception to the Claims Resolution arbitration provision.
Not stated here
'Covered borrower' is not defined in this agreement.
We may issue additional Cards at your request and may report their use to credit reporting agencies
We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement, and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards, the agreement says it is shown on page 2 of Part 1.
Details not recorded for this card
Supporting quotations
We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.
Qualifications & exceptions
Part 1 states the Annual Fee for Additional Cards as None.
Sharing & Disclosure · Permission or license
You pay for all use by Additional Card Members, and we may share your Account information with them
You are responsible for all use of your Account by Additional Card Members and anyone they allow to use it, and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them. Contact us if you want to cancel an Additional Card Member's ability to use your Account. If an Annual Fee applies for an Additional Card, the refund policy is in the Closing or suspending your Account sub-section of Part 3, and if a single Annual Fee applies to a group of Additional Cards, that policy applies when you cancel the Additional Card on which the fee was assessed.
Details not recorded for this card
Supporting quotations
You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them.
Contact us if you want to cancel an Additional Card Member's ability to use your Account.
If a single Annual Fee applies for a group of Additional Cards on your Account, this policy will apply when you cancel the Additional Card on which the fee was assessed.
Not stated here
The types of Account information we may give Additional Card Members are not limited by this paragraph.
Notices are sent by mail, courier or electronically and count as given when we mail or deliver them
We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.
Details not recorded for this card
Supporting quotations
Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.
Qualifications & exceptions
A notice counts as given when sent, not when you receive or read it.
Not stated here
The text does not say which method we use for a given notice.
Use & Processing · Permission or license
You authorize us and our agents to contact you by call, text, email and push notice, including by automated dialer
If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us, or at which we believe we can reach you. We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or any other method permitted by law, using an automated dialer or prerecorded messages, and on a mobile or similar device even if you are charged for it.
Details not recorded for this card
Supporting quotations
If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us, or at which we believe we can reach you.
We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or using any other method of communication permitted by law. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.
Qualifications & exceptions
The authorization is stated for servicing the account or collecting amounts owed, and methods are limited to those permitted by law.
Not stated here
This paragraph does not say how to withdraw the authorization or limit contact.
Data Access & Collection · Company practice
We may monitor and record calls between you and us
We may monitor and record any calls between you and us.
Details not recorded for this card
Supporting quotations
Call monitoring: We may monitor and record any calls between you and us.
Not stated here
Retention, access or use of the recordings is not described.
Account & Service Control · Restriction or exception
You must tell us immediately if your address, email or phone changes, once for each Account
You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.
Details not recorded for this card
Supporting quotations
You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account.
We may update your billing address if we receive information that it has changed or is incorrect.
Not stated here
The source of information we may use to update a billing address is not specified.
Legal Rights & Agreement Rules · Restriction or exception
If we credit a disputed charge, you assign us your claims against the merchant (except tort claims)
If you dispute a charge with a merchant, we may credit the Account for all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant, and you agree that you will not pursue any claim against the merchant for the credited amount. The paragraph ends by saying you must cooperate with us 'if we decide to do so'.
Details not recorded for this card
Supporting quotations
If you dispute a charge with a merchant, we may credit the Account for all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant for the credited amount.
And you must cooperate with us if we decide to do so.
Qualifications & exceptions
The assignment applies only if we credit the Account.
Not stated here
'If we decide to do so' does not say whether it refers to crediting the Account or to pursuing the merchant; the cooperation duty's exact trigger is therefore ambiguous.
The text does not set out a dispute procedure or deadline for notifying us of a disputed charge.
Data Access & Collection · Permission or license
You agree we will obtain credit reports and other information and may use it for any purpose, such as marketing
You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources, including information to verify and re-verify your employment and income. You also agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law.
Details not recorded for this card
Supporting quotations
You agree that we will obtain credit reports about you, investigate your ability to pay, and obtain information about you from other sources including information to verify and re-verify your employment and income.
And you agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law.
Qualifications & exceptions
The use is stated as 'any purposes', subject to applicable law, with marketing and evaluating you for a new account as examples.
We give Account information to credit reporting agencies and report non-compliance; you can write to dispute it
You agree that we will give information about the Account to credit reporting agencies, and we will tell a credit reporting agency if you fail to comply with the terms of this Agreement, which may have a negative impact on your credit report. If you believe information we gave a credit reporting agency is incorrect, write to American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537, telling us the specific information you believe is incorrect.
Details not recorded for this card
Supporting quotations
You agree that we will give information about the Account to credit reporting agencies. We will tell a credit reporting agency if you fail to comply with the terms of this Agreement. This may have a negative impact on your credit report.
If you believe information we have given to a credit reporting agency is incorrect, write to us at: American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the specific information you believe is incorrect.
Not stated here
Which credit reporting agencies receive the information is not stated.
Charges & Financial Obligations · Restriction or exception
We may treat the Account as in default for a violation, false information, bankruptcy or doubt about your ability to pay
We may consider your Account to be in default if you violate a provision of this Agreement, you give us false information, you file for bankruptcy, you default under another agreement you have with us or an affiliate, or we believe you are unable or unwilling to pay your debts when due.
Details not recorded for this card
Supporting quotations
Default: We may consider your Account to be in default if:
you violate a provision of this Agreement,
you give us false information,
you file for bankruptcy,
you default under another agreement you have with us or an affiliate, or
we believe you are unable or unwilling to pay your debts when due.
Qualifications & exceptions
The trigger 'we believe you are unable or unwilling to pay' rests on our belief; no standard or notice is given.
Not stated here
Whether a cure period applies before default is not stated.
The text of any other agreement you have with us or an affiliate is not supplied here, so the card cannot say which other defaults would count.
Charges & Financial Obligations · Restriction or exception
On default, incapacity or death we may suspend charges, cancel features, and demand immediate payment of the balance
If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on your Account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your Account balance immediately.
Details not recorded for this card
Supporting quotations
If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:
suspend your ability to make charges,
cancel or suspend any feature on your Account,
require you to pay more than your Minimum Payment Due immediately, and
require you to pay your Account balance immediately.
Qualifications & exceptions
The remedies are permissive ('may') and limited to what federal and applicable state law permit.
Charges & Financial Obligations · Restriction or exception
You agree to pay our reasonable collection costs, including attorneys' fees
You agree to pay all reasonable costs, including attorneys' fees, that we incur to collect amounts you owe.
Details not recorded for this card
Supporting quotations
Collection costs: You agree to pay all reasonable costs, including attorneys' fees, that we incur to collect amounts you owe.
Account & Service Control · Permission or license
We may cancel, suspend charges or suspend features at any time for any reason; you still owe all charges
We may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement.
Details not recorded for this card
Supporting quotations
We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement.
Not stated here
No notice period before we cancel or suspend is stated here.
Charges & Financial Obligations · Company practice
If we reinstate or re-open the Account we may charge annual fees, a reinstatement fee or $25
If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account. If your account is cancelled and we re-open it at your request, we may charge you a $25 fee. Part 1 lists the same $25 Account Re-opening fee.
Details not recorded for this card
Supporting quotations
If we later agree to reinstate your Account, we may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.
If your account is cancelled and we re-open it at your request, we may charge you a $25 fee.
Not stated here
The amount of the 'fee to reinstate the Account' is not stated in this paragraph; whether it is the same as the $25 re-opening fee is not said.
Cross-references
qualifies (model-proposed): Account re-opening fee: $25 — Part 3 words the $25 re-opening charge as one we 'may' charge when we re-open a cancelled account at the customer's request; Part 1 lists the same $25 Account Re-opening fee.
Charges & Financial Obligations · User right or choice
You can close the Account by call or letter; the Annual Fee is refunded only within 30 days of its statement
You may close your Account by calling us or writing to us. If an Annual Fee applies, we refund it if you notify us that you are voluntarily closing the Account within 30 days after the Closing Date of the billing statement on which that fee appears. For cancellations after that 30-day period, the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts when you close the Account, this policy does not apply to you.
Details not recorded for this card
Supporting quotations
You may close your Account by calling us or writing to us. If an Annual Fee applies, we will refund this fee if you notify us that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears. For cancellations after this 30-day period, the Annual Fee is non-refundable.
If your billing address is in the Commonwealth of Massachusetts at the time you close your Account, this policy will not apply to you.
Qualifications & exceptions
The refund requires a voluntary closure notice within 30 days after the Closing Date of the statement on which the fee appears.
Not stated here
What applies to a Massachusetts billing address instead of the refund policy is not stated.
The text does not say whether the closing notice must be received or only sent within the 30 days.
Cross-references
qualifies (model-proposed): Annual fee is $250; additional cards have no annual fee — The $250 annual fee is refunded only if the customer closes the Account within 30 days after the Closing Date of the statement on which the fee appears, and the policy does not apply to a Massachusetts billing address.
Paying by check authorizes a one-time electronic debit that can be taken the same day, and the check is not returned
When you pay us by check, you authorize us to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account. Your payment may be withdrawn as soon as the same day we receive your check, and you will not receive that check back from your bank or financial institution. In certain circumstances, we may process your payment as a check transaction.
Details not recorded for this card
Supporting quotations
When you pay us by check, you authorize us to use information from your check (such as routing number, account number and check serial number) to make a one-time electronic fund transfer from your bank or other asset account.
your payment may be withdrawn from your bank or other asset account as soon as the same day we receive your check, and you will not receive that check back from your bank or financial institution. In certain circumstances, we may process your payment as a check transaction.
Not stated here
The circumstances in which a payment is processed as a check transaction are not described.
Charges & Financial Obligations · Company practice
Foreign-currency charges are converted to dollars by AEEML at a rate capped at the highest official or interbank rate
If you make a charge in a foreign currency, AE Exposure Management Ltd. (AEEML) converts it into U.S. dollars on the date we or our agents process it, and we bill you in U.S. dollars on that basis. Unless a particular rate is required by law, AEEML chooses a rate acceptable to us for that date. The rate is no more than the highest official rate published by a government agency or the highest interbank rate AEEML identifies from customary banking sources on the conversion date or the prior business day. The rate may differ from rates in effect on the date of your charge. Charges converted by establishments (such as airlines) are billed at the rates they use.
Details not recorded for this card
Supporting quotations
Converting charges made in a foreign currency: If you make a charge in a foreign currency, AE Exposure Management Ltd. ("AEEML") will convert it into U.S. dollars on the date we or our agents process it, so that we bill you for the charge in U.S. dollars based upon this conversion.
Unless a particular rate is required by law, AEEML will choose a conversion rate that is acceptable to us for that date. The rate AEEML uses is no more than the highest official rate published by a government agency or the highest interbank rate AEEML identifies from customary banking sources on the conversion date or the prior business day. This rate may differ from rates that are in effect on the date of your charge.
We will bill charges converted by establishments (such as airlines) at the rates they use.
Qualifications & exceptions
Part 1 lists the Foreign Transaction fee as None; this paragraph concerns how the exchange rate is set, not a fee.
Not stated here
The rate is stated as an upper limit ('no more than'); the agreement does not say how close to that limit the rate used will be.
Charge data from federal agency purchases is used for processing, billing, collections and aggregated marketing
Some federal agencies may accept the Card under authority of statute. When you make charges at these agencies, we collect certain charge information. That information may be put to routine uses such as processing, billing and collections, and may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.
Details not recorded for this card
Supporting quotations
Privacy Act of 1974: Some federal agencies may accept the Card under authority of statute. When you make charges at these agencies, we collect certain charge information. That information may be put to routine uses such as processing, billing and collections. It may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.
Not stated here
Which charge information is collected is described only as 'certain charge information'.
Agency routine uses published in the Federal Register are not part of the supplied agreement.
We or our affiliates may tell you about fee-based insurance and other products, and may be compensated for them
We or our affiliates may tell you about insurance and non-insurance products, services or features that may have a fee. One of our affiliates may act on behalf of a provider of these products and may be compensated for this. The insurance products are not offered or sold by us or on our behalf. Our affiliates may get additional compensation when AMEX Assurance Company or another affiliate is the insurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you about.
Details not recorded for this card
Supporting quotations
We or our affiliates may tell you about insurance and non-insurance products, services or features that may have a fee. One of our affiliates may act on behalf of a provider of these products. The affiliate may be compensated for this.
The insurance products are not offered or sold by us or on our behalf. Our affiliates may get additional compensation when AMEX Assurance Company or another affiliate is the insurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you about.
Sharing & Disclosure · Permission or license
We may share information about you with affiliates to identify products for you, and may be compensated
We may share information about you with our affiliates so they can identify products that may interest you. We may be compensated for this information. Separately, you agree that we will use information from credit reports and other sources for any purposes, for example marketing to you or evaluating you for a new account, subject to applicable law.
Details not recorded for this card
Supporting quotations
We may share information about you with our affiliates so they can identify products that may interest you. We may be compensated for this information.
And you agree that we will use such information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law.
Not stated here
The kinds of information shared, the affiliates concerned and any choice to limit this sharing are not stated in this paragraph; any privacy notice is not part of the supplied agreement.
We may add, modify or remove any Account benefit, feature or service at our discretion
We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.
Details not recorded for this card
Supporting quotations
Changing benefits: We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.
Qualifications & exceptions
The rewards section separately says we may change the terms of the rewards program at our discretion.
Not stated here
No notice period or compensation for removed benefits is stated here.
Legal Rights & Agreement Rules · Permission or license
We may sell, transfer or assign the agreement and your Account at any time without notice; you may not
We may sell, transfer or assign this Agreement and your Account, at any time and without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.
Details not recorded for this card
Supporting quotations
Assigning the Agreement: We may sell, transfer or assign this Agreement and your Account. We may do so at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.
Legal Rights & Agreement Rules · Restriction or exception
Delaying or not exercising our rights does not waive them
We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion.
Details not recorded for this card
Supporting quotations
We do not waive our rights: We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion.
Legal Rights & Agreement Rules · Restriction or exception
Utah and federal law govern the agreement and your Account
Utah law and federal law govern this Agreement and your Account without regard to internal principles of conflicts of law. The agreement states that we entered into it with you in Utah, where we are located and hold your Account.
Details not recorded for this card
Supporting quotations
Governing law: Utah law and federal law govern this Agreement and your Account without regard to internal principles of conflicts of law. We entered into this Agreement with you in Utah, where we are located and hold your Account.
Qualifications & exceptions
Arbitration is governed by the Federal Arbitration Act under the Claims Resolution section.
Legal Rights & Agreement Rules · Restriction or exception
Maryland billing addresses: Account offered under Maryland Commercial Law Title 12, Subtitle 9, if it applies
If your Account has a Maryland billing address, we elect to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to your Account.
Details not recorded for this card
Supporting quotations
Maryland residents: If your Account has a Maryland billing address, we elect to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to your Account.
Qualifications & exceptions
The election applies for a Maryland billing address and only to the extent, if any, that Maryland law applies.
Not stated here
The text of the cited Maryland statute is not supplied here, so what the election changes for the Account is not stated.
Charges & Financial Obligations · User right or choice
Oregon residents: service charges within legal limits; you may pay your entire balance at any time
Notice to Oregon Residents: service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the Minimum Payment Due, up to your entire outstanding balance, at any time.
Details not recorded for this card
Supporting quotations
Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the Minimum Payment Due, up to your entire outstanding balance, at any time.
Not stated here
The notice does not say how an Oregon address is determined or whether it changes any rate or fee in Part 1.
Charges & Financial Obligations · User right or choice
Washington residents: no interest caused solely by return credits delayed beyond 7 working days (merchant) or 3 (us)
Notice for residents of Washington State: in accordance with the Revised Code of Washington Statutes, Section 63.14.167, you are not responsible for payment of interest charges that result solely from a merchant's failure to transmit to us within seven working days a credit for goods or services accepted for return or forgiven if you have notified us of the merchant's delay in posting such credit, or our failure to post such credit to your Account within three working days of our receipt of the credit.
Details not recorded for this card
Supporting quotations
Notice for residents of Washington State: In accordance with the Revised Code of Washington Statutes, Section 63.14.167, you are not responsible for payment of interest charges that result solely from a merchant's failure to transmit to us within seven working days a credit for goods or services accepted for return or forgiven if you have notified us of the merchant's delay in posting such credit, or our failure to post such credit to your Account within three working days of our receipt of the credit.
Qualifications & exceptions
The relief covers interest charges that result solely from the described delay; the sentence names two situations (the merchant's delay, if you have notified us, and our own failure to post within three working days).
Not stated here
The sentence structure leaves open whether the notification condition applies only to the merchant situation or to both; the text is quoted as written.
The text of the cited Revised Code of Washington section is not supplied here, so the statute's own terms are not stated.
Call Customer Service first; unresolved claims go to mediation, arbitration or litigation; arbitration can be rejected
Most customer concerns can be resolved by calling Customer Service at the number on the back of your Card. If Customer Service cannot resolve a complaint to your satisfaction, the Claims Resolution section explains how claims can be resolved through mediation, arbitration or litigation, and it includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase.
Details not recorded for this card
Supporting quotations
Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision.
You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase.
Your rejection notice must be mailed within 45 days after your first Card purchase.
Qualifications & exceptions
The rejection procedure is set out under 'Your Right to Reject Arbitration' (see the rejection card).
Legal Rights & Agreement Rules · Restriction or exception
In the claims section 'you and us' includes our parents, subsidiaries and affiliates; third-party claims are covered
For the Claims Resolution section, 'you and us' includes any corporate parents, subsidiaries, affiliates or related persons or entities. A Claim includes claims by or against any third party using or providing any product, service or benefit in connection with any account.
Details not recorded for this card
Supporting quotations
For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities.
(3) claims by or against any third party using or providing any product, service or benefit in connection with any account
Not stated here
The text does not name the 'related persons or entities' or the third parties covered.
Legal Rights & Agreement Rules · Restriction or exception
A 'Claim' is any current or future dispute about your Account, the agreement or any relationship with us
A Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision. It includes initial claims, counterclaims, crossclaims and third-party claims; claims based on contract, tort, fraud, statute, regulation, common law and equity; and claims relating to accounts and balances, advertisements, promotions or statements about accounts or financed goods or services, benefits and services related to Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs), and your application for any account. You may not sell, assign or transfer a claim.
Details not recorded for this card
Supporting quotations
Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision.
(1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity;
(4) claims that arise from or relate to (a) any account created under any of the agreements, or any balances on any such account, (b) advertisements, promotions or statements related to any accounts, goods or services financed under any accounts or terms of financing, (c) benefits and services related to Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application for any account.
You may not sell, assign or transfer a claim.
Qualifications & exceptions
Disputes about the validity, enforceability or scope of the Arbitration provision are carved out of the definition of 'Claim'.
Not stated here
The text does not say who decides disputes about the validity, enforceability or scope of the Arbitration provision, since they are excluded from the definition of Claim.
Before suing, mediating or arbitrating, send a written claim notice describing the claim and the relief demanded
Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, to give an opportunity to resolve the claim informally or through mediation. The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005. If the claim proceeds to arbitration, the amount of relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.
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Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation.
The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address.
Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005.
If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.
Qualifications & exceptions
The agreement refers to americanexpress.com/claim for a sample claim notice; that page is not supplied.
Not stated here
The text sets no deadline for sending a claim notice or for the other side to respond.
Legal Rights & Agreement Rules · Procedure
Either side may submit a claim to JAMS or AAA mediation within 30 days of a claim notice; we pay the mediator
In mediation, a neutral mediator helps parties resolve a claim but does not decide it. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS or the American Arbitration Association (AAA) for mediation, and we will pay the mediator's fees. Mediation communications are confidential, inadmissible in court and not subject to discovery. Statutes of limitation are tolled from the date the claim notice is sent until the mediation ends. Either side may terminate the mediation at any time, and submitting or not submitting a claim to mediation does not affect the right to elect arbitration.
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In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement. Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA") (1-800-778- 7879, adr.org) for mediation. We will pay the fees of the mediator.
All mediation-related communications are confidential, inadmissible in court and not subject to discovery.
All applicable statutes of limitation will be tolled from the date you or we send the claim notice until termination of the mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.
Qualifications & exceptions
Mediation is optional: the text says either side 'may' submit a claim.
Not stated here
The text says 'we will pay the fees of the mediator' and does not address other mediation costs such as each side's own expenses.
Legal Rights & Agreement Rules · Restriction or exception
Either side may elect individual arbitration; if so, neither can use court, a jury or a class action for that claim
You or we may elect to resolve any claim by individual arbitration, and claims are decided by a neutral arbitrator. If arbitration is chosen by any party, neither you nor we have the right to litigate that claim in court or have a jury trial on it, and neither has the right to participate in a representative capacity or as a member of any class for any claim subject to arbitration. The agreement says arbitration procedures are generally simpler than court rules and discovery is more limited; the arbitrator's authority is limited to claims between you and us alone; claims may not be joined or consolidated unless you and we agree in writing; an award applies only to the specific case; and arbitrator decisions are as enforceable as a court order and subject to very limited review by a court. Except as set forth below, the decision is final and binding. Other rights you or we would have in court may also not be available in arbitration.
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Arbitration: You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator.
If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration.
Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing.
We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court.
The arbitrator's decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator's decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration.
Qualifications & exceptions
Exceptions: we will not elect arbitration for an individual claim you file in small claims court, you may reject arbitration, and covered borrowers under the Military Lending Act are exempted (see those cards).
The final-and-binding statement is qualified by the appeal procedure described later in this section.
Not stated here
The text says other court rights 'may' also be unavailable and does not list them.
Arbitration starts with a claim notice and is referred to JAMS or AAA as chosen by the electing party
Before beginning arbitration, you or we must first send a claim notice. Claims are referred to either JAMS or AAA, as selected by the party electing arbitration, and are resolved under the Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Claims may also be referred to another arbitration organization if you and we agree in writing, or to an arbitrator appointed under section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).
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Before beginning arbitration, you or we must first send a claim notice. Claims will be referred to either JAMS or AAA, as selected by the party electing arbitration.
Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection.
Claims also may be referred to another arbitration organization if you and we agree in writing or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).
This Arbitration provision is governed by the FAA.
Qualifications & exceptions
Where the organization's rules conflict with the agreement, the agreement controls.
Not stated here
The text of the Federal Arbitration Act and of the JAMS and AAA rules is not supplied here, so the card cannot say what they require.
Legal Rights & Agreement Rules · Restriction or exception
No arbitration election for individual small-claims cases; otherwise it can be elected until trial starts or judgment
We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. Either of us may delay enforcing or not exercise rights under the Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce them. Submitting or not submitting a claim to mediation does not affect the right to elect arbitration.
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We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court.
You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered.
Either you or we may delay enforcing or not exercise rights under this Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights.
The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.
Qualifications & exceptions
The commitment not to elect arbitration covers only a claim that is individual and pending only in small claims court; it is a commitment by us, not by you.
Not stated here
The text does not say what happens if a small-claims case is moved to another court or becomes a class claim after filing.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration is on an individual basis only, and if that limit is invalid the whole arbitration provision falls away
If either party elects arbitration, the claim will be arbitrated on an individual basis. There is no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated. Notwithstanding any other provision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than that sentence) will not apply.
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Limitations on Arbitration: If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated.
Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.
Qualifications & exceptions
This severability sentence is an exception to the general rule that an invalid portion does not invalidate the rest of the Claims Resolution section.
Not stated here
The text does not say what dispute process applies if the Arbitration provision falls away beyond that sentence.
The FAA governs; the arbitrator applies substantive law but not court procedure or evidence rules
The Arbitration provision is governed by the FAA. The arbitrator applies applicable substantive law, statutes of limitations and privileges, but does not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. Judgment upon any award may be entered in any court having jurisdiction.
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Arbitration Procedures: This Arbitration provision is governed by the FAA. The arbitrator will apply applicable substantive law, statutes of limitations and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court.
Judgment upon any award may be entered in any court having jurisdiction.
Not stated here
How discovery is handled in place of the court rules is not stated.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration is confidential, but either side may notify a government authority of the claim
You and we agree that the arbitration will be confidential. You and we agree that we will not disclose the content of the arbitration proceeding or its outcome to anyone, but you or we may notify any government authority of the claim as permitted or required by law.
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You and we agree that the arbitration will be confidential. You and we agree that we will not disclose the content of the arbitration proceeding or its outcome to anyone, but you or we may notify any government authority of the claim as permitted or required by law.
Not stated here
The second sentence says 'we will not disclose' after 'You and we agree'; the text does not say whether 'we' there means both parties or only American Express.
Legal Rights & Agreement Rules · User right or choice
Claims of $10,000 or less: you choose documents, phone or in-person hearing; hearings in your federal district
If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party's request, the arbitrator will provide a brief written explanation of the award. At your election, arbitration hearings will take place in the federal judicial district of your residence.
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If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing.
At any party's request, the arbitrator will provide a brief written explanation of the award.
At your election, arbitration hearings will take place in the federal judicial district of your residence.
Not stated here
The text does not say how the hearing format is chosen for claims above $10,000.
Either side can appeal an award within 35 days to a three-arbitrator panel
The arbitrator's award is final and binding, subject to each party's right to appeal as stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA. To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the arbitrator's award is issued. The arbitration organization appoints a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. The appeal otherwise proceeds under the arbitration organization's appellate rules.
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The arbitrator's award will be final and binding, subject to each party's right to appeal as stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA.
To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the arbitrator's award is issued. The arbitration organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. The appeal will otherwise proceed pursuant to the arbitration organization's appellate rules.
Except as set forth below, the arbitrator's decision will be final and binding.
Qualifications & exceptions
This appeal right is the exception to the 'final and binding' and 'very limited review' wording earlier in the section.
Not stated here
The grounds for appeal and who pays the appeal fees are not stated here; the organization's appellate rules are not supplied.
Legal Rights & Agreement Rules · Restriction or exception
You pay arbitration fees only up to the court filing fee you would have paid; we pay the rest
You are responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We are responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of arbitration fees, or paying the reasonable fees of an expert appointed by the arbitrator for good cause.
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You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees.
At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.
Qualifications & exceptions
The advance or expert-fee payment is only a commitment to 'consider in good faith', not a promise to pay.
Legal Rights & Agreement Rules · User right or choice
If the award beats our final offer, you receive at least $5,000 plus attorneys' fees and costs
If the arbitrator rules in your favor for an amount greater than any final offer we made before the final hearing in arbitration, the award will include any money to which you are entitled, but in no case less than $5,000, and any reasonable attorneys' fees, costs and expert and other witness fees.
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Additional Arbitration Awards: If the arbitrator rules in your favor for an amount greater than any final offer we made before the final hearing in arbitration, the arbitrator's award will include:
(1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees.
Not stated here
The text does not say what applies if we made no final offer before the final hearing.
Legal Rights & Agreement Rules · User right or choice
Reject arbitration with a signed notice mailed within 45 days of your first Card purchase; it covers other open accounts
You may reject the Arbitration provision by sending a written rejection notice to American Express, P.O. Box 981556, El Paso, TX 79998. The notice must be mailed within 45 days after your first Card purchase, must state that you reject the Arbitration provision, and must include your name, address, Account number and personal signature; no one else may sign it. If the notice complies, the Arbitration provision and any other arbitration provisions in the Card Member agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration when you send the notice. Rejection does not affect your other rights or responsibilities under the Claims Resolution section or the Agreement, or your ability to use your Card or any other benefit, product or service you have with your Account.
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Your Right to Reject Arbitration: You may reject this Arbitration provision by sending a written rejection notice to us at: American Express, P.O. Box 981556, El Paso, TX 79998.
Your rejection notice must be mailed within 45 days after your first Card purchase. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice.
If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the Card Member agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration at the time you send your rejection notice.
Rejection of this Arbitration provision will not affect your other rights or responsibilities under this Claims Resolution section or the Agreement. Rejecting this Arbitration provision will not affect your ability to use your Card or any other benefit, product or service you may have with your Account.
Qualifications & exceptions
The agreement refers to americanexpress.com/reject for a sample rejection notice; that page is not supplied.
The window is tied to your first Card purchase, so it can pass before you read the agreement.
Not stated here
Only a mailed, signed notice is described; other ways of rejecting are not mentioned.
Legal Rights & Agreement Rules · Restriction or exception
The claims section survives closing the Account, bankruptcy and a sale; invalid parts do not void the rest
The Claims Resolution section survives termination of your Account, voluntary payment of your Account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account; in a sale, its terms apply to the buyer. If any portion of the section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it does not invalidate the remaining portions.
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Continuation: This section will survive termination of your Account, voluntary payment of your Account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account (in the case of a sale, its terms will apply to the buyer of your Account).
If any portion of this Claims Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Claims Resolution section.
Qualifications & exceptions
The Limitations on Arbitration severability sentence is the stated exception to this general severability rule.