Blue Cash Everyday® from American Express Agreement

Legal Rights & Agreement Rules · Context

Part 1 of the Blue Cash Everyday agreement is issued by American Express National Bank, dated as of 06/30/2026

This is Part 1 of 3 of the Card Member Agreement for the Blue Cash Everyday card from American Express. It states an "As of" date of 06/30/2026 and names American Express National Bank as the issuer. Before Part 2 begins, the text holds the Rates and Fees Table, an explanation of how rates and fees work, and a Supplement on the rewards program; Parts 2 and 3 follow in the same document.

Supporting quotations

Card Member Agreement: Part 1 of 3

As of: 06/30/2026 Issuer: American Express National Bank

Blue Cash Everyday® from American Express

Qualifications & exceptions

• The date is labeled "As of"; the text does not call it an effective date.

Not stated here

• The document does not say whether 06/30/2026 is an effective date, a publication date or something else, and it names no future version.

Charges & Financial Obligations · Company practice

Purchases carry a variable APR of the Prime Rate plus 12.74% to plus 21.74%

The Rates and Fees Table sets the APR for purchases as a variable rate: the Prime Rate plus a margin that is shown as a range from 12.74% to 21.74%. The table gives margins over the Prime Rate rather than a single percentage, and sends the reader to the Explanation of Variable Rates for how the rate varies.

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 stated as a margin over the Prime Rate, shown as a range.

Not stated here

• This table does not say what decides where in the range an account falls, and it does not state the Prime Rate itself, so the resulting percentage for an account is not given.

Charges & Financial Obligations · Company practice

Balance transfers carry the same variable APR range, only for transfers the issuer accepts

The APR for balance transfers is shown as the Prime Rate plus 12.74% to the Prime Rate plus 21.74%, the same range as purchases, and is variable. It applies "for any balance transfer requests we may accept", so the table itself does not promise that a balance transfer will be accepted.

Supporting quotations

APR For Balance Transfers

Prime Rate + 12.74% to Prime Rate + 21.74% for any balance transfer requests we may accept.

This is a variable APR. See Explanation of Variable Rates below.

Qualifications & exceptions

• Applies only to balance transfer requests the issuer chooses to accept.

Not stated here

• Which balance transfers are accepted, and what decides the margin within the range, is not stated in this table.

Cross-references

• qualified by (model-proposed): Plans, cash advances and balance transfers are at the issuer's discretion; no transfers from other issuer accounts — The balance transfer APR applies to requests the issuer may accept; the Part 2 terms add that balances cannot be transferred from any other account issued by the issuer or its affiliates.

Charges & Financial Obligations · Company practice

Cash advances carry a variable APR of the Prime Rate plus 21.99%

The APR for cash advances is a single variable rate: the Prime Rate plus 21.99%. It is higher in margin than the top of the purchase range and the table points to the Explanation of Variable Rates for how it changes.

Supporting quotations

APR for Cash Advances

Prime Rate + 21.99%

This is a variable APR. See Explanation of Variable Rates below.

Qualifications & exceptions

• A single margin, not a range.

Not stated here

• The Prime Rate value and the resulting percentage are not stated in this document.

Charges & Financial Obligations · Restriction or exception

A Penalty APR of the Prime Rate plus 26.74% may be applied to new transactions after a missed or returned payment

The issuer reserves 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 if your payment is returned by your bank (the issuer says it will notify you if it does). Once applied, it lasts at least 6 months. The issuer reviews the account every 6 months after the Penalty APR is applied, and it continues until you have made timely payments with no returned payments during the 6 months being reviewed.

Supporting quotations

Prime Rate + 26.74%

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

it will apply for at least 6 months

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

• Phrased as a right ("We have the right to apply"), not an automatic result.
• Applies to new Transactions, per the table.
• Triggers are a missed Minimum Payment Due deadline or a payment returned by the bank.

Not stated here

• The table does not say whether the Penalty APR reaches balances that existed before it was applied, beyond saying it applies to new Transactions.

Charges & Financial Obligations · Company commitment

The Payment Due Date is at least 25 days after each billing period closes

The Rates and Fees Table states that the Due Date is at least 25 days after the close of each billing period.

Supporting quotations

Your Due Date is at least 25 days after the close of each billing period.

Qualifications & exceptions

• Stated as a minimum of 25 days.

Charges & Financial Obligations · Company commitment

Purchases are interest-free if the whole balance is paid by the due date; cash advances and transfers accrue at once

The Paying Interest row says interest will not be charged on purchases if you pay your entire balance each month by the due date (or, when a Plan It plan is outstanding, your balance adjusted for plans). Interest on cash advances and balance transfers begins on the transaction date.

Supporting quotations

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 and balance transfers on the transaction date.

Qualifications & exceptions

• The no-interest statement applies to purchases only and depends on paying the entire balance (or balance adjusted for plans) by the due date, each month.
• Part 1 later explains the Interest Free Period in more detail, including interest that may appear on the next statement after a lapse.

Cross-references

• qualified by (model-proposed): After re-entering an Interest Free Period, interest from earlier in that cycle may still appear on the next statement — The Rates and Fees Table says no interest is charged on purchases if the entire balance is paid by the due date. The Interest Free Period text adds that after an account re-enters an Interest Free Period, interest may still appear on the next statement for the part of the billing cycle before the payment was received.

Charges & Financial Obligations · Company practice

Plan It carries a monthly plan fee of up to 1.33% that is a fixed finance charge disclosed before a plan is created

Putting a purchase or an amount into a Plan It plan carries a monthly fee of up to 1.33% of each purchase or amount placed into a plan. The fee 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, and the dollar amount is disclosed before you set up a plan. When a plan is set up, the purchases or amount are subject to the plan fee instead of the APR for purchases. The text points to the Plan It description in Part 2.

Supporting quotations

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.

For more information, see About Plan It Feature in Part 2 of your Card Member Agreement.

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.

Qualifications & exceptions

• "Up to 1.33%" is a ceiling; the actual fee depends on plan duration, the APR that would otherwise apply, and other factors.
• The Part 2 passage is labeled "About Plan It"; the cross-reference in Part 1 says "About Plan It Feature".

Not stated here

• The exact monthly percentage for a given plan is not stated; it is disclosed when a plan is set up.

Charges & Financial Obligations · Context

The table points to the Consumer Financial Protection Bureau website for credit card tips

The Rates and Fees Table includes a pointer to the Consumer Financial Protection Bureau website for factors to consider when applying for or using a credit card. It is informational and sets no account term.

Supporting quotations

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Charges & Financial Obligations · Company commitment

The table shows no annual fee, including for additional cards

The Rates and Fees Table lists the Annual Fee as None, and the fees explanation says the Annual Fee for Additional Cards is also None. The explanation of the Annual Fee refers back to the table.

Supporting quotations

Annual Fee | None

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

• Other parts of the agreement discuss annual fees conditionally ("If an Annual Fee applies"); for this card the table and fee list show None.

Charges & Financial Obligations · Company practice

Balance transfers cost 3% of the amount, with a $5 minimum, added to the balance transferred

A balance transfer fee is 3% of the transaction with a minimum of $5 (the table says "$5 or 3% of the amount of each transfer, whichever is greater"). The fee is a finance charge added to the same balance as the balance transfer. A different fee may apply if stated in a promotional offer or at the time of a transaction. The agreement defines a balance transfer as a charge to pay an amount you owe on another credit card account.

Supporting quotations

Either $5 or 3% of the amount of each transfer, whichever is greater.

Balance Transfer: 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer.

A balance transfer is a charge to pay an amount you owe on another credit card account.

Qualifications & exceptions

• A promotional offer or the time of a transaction may state a different fee.
• The Rates and Fees Table lists the three transaction fees in one cell; the amount given in the fee explanation agrees with the table.

Not stated here

• The table cell lists several fees together without row separators, so the mapping of each amount to its fee relies on listed order.

Charges & Financial Obligations · Company practice

Cash advances cost 5% of the amount, with a $10 minimum, and the amount includes ATM operator fees

A cash advance fee is 5% of the cash advance transaction, including any fee charged by the ATM operator, with a minimum of $10 (the table says "$10 or 5% of the amount of each cash advance, whichever is greater"). The fee is added to the Cash Advance balance. In this agreement a cash advance is a charge to get cash or cash equivalents, and the definition lists travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions.

Supporting quotations

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. We will add this fee to the Cash Advance balance.

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 5% base includes fees charged by the ATM operator, if any.
• What counts as a cash advance follows the definition in Part 2, which lists examples of cash equivalents.

Charges & Financial Obligations · Company practice

Foreign transactions cost 2.7% of the converted U.S. dollar amount

A foreign transaction fee of 2.7% applies to each transaction after conversion to U.S. dollars. The fee explanation points to a passage titled "Converting charges made in a foreign currency", which it places in Part 2.

Supporting quotations

2.7% of each transaction after conversion to US dollars.

Foreign Transaction: 2.7% of the converted U.S. dollar amount. See Converting charges made in a foreign currency in Part 2.

Qualifications & exceptions

• The fee is on the converted U.S. dollar amount.
• In the supplied text the passage "Converting charges made in a foreign currency" appears after the Part 3 of 3 heading, not in Part 2 as the cross-reference says.

Not stated here

• The cross-reference names Part 2, but the matching passage appears in Part 3; the source is not corrected here.

Cross-references

• refers to (model-proposed): AEEML converts foreign currency charges to dollars at a rate capped at the highest official or interbank rate — The Part 1 fee text points to "Converting charges made in a foreign currency in Part 2". The matching passage appears after the Part 3 of 3 heading. The mismatch is reported, not corrected.

Charges & Financial Obligations · Company practice

The table lists late payment and returned payment fees of up to $40 and no overlimit fee

The Penalty Fees row of the Rates and Fees Table lists Late Payment, Returned Payment and Overlimit with the amounts "Up to $40. Up to $40. None", in that order: up to $40 for a late payment, up to $40 for a returned payment, and no overlimit fee. The detailed fee amounts appear in the fee explanations that follow.

Supporting quotations

Penalty Fees • Late Payment • Returned Payment • Overlimit

Up to $40. Up to $40. None

Qualifications & exceptions

• The table cell lists the three fees and their amounts in separate runs; the mapping of amounts to fees follows the listed order.

Not stated here

• The table is shown with several fees in one cell, so the amount-to-fee mapping depends on the order given.

Cross-references

• qualified by (model-proposed): Late payment fee is $29, then $40 if repeated within the next 6 billing periods, capped at the prior Minimum Payment Due — The table row gives "Up to $40" for a late payment; the fee explanation states the $29 first step, the $40 repeat step and the cap at the prior Minimum Payment Due.
• qualified by (model-proposed): Returned payment fee: $29, then $40 on a repeat, capped at the prior Minimum Payment Due — The table row gives "Up to $40" for a returned payment; the fee explanation states the $29 first step, the $40 repeat step and the cap at the prior Minimum Payment Due.

Charges & Financial Obligations · Restriction or exception

Late payment fee is $29, then $40 if repeated within the next 6 billing periods, capped at the prior Minimum Payment Due

If the issuer does not receive the Minimum Payment Due by its Payment Due Date, the late fee is $29. If this happens again within the next 6 billing periods, the fee is $40. The late fee on a billing statement will not exceed the Minimum Payment Due on the prior billing statement. The fee is introduced as "Up to $40".

Supporting quotations

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 $40 step applies when a late payment happens again within the next 6 billing periods.
• The fee cap is the Minimum Payment Due on the prior billing statement.

Cross-references

• qualifies (model-proposed): The table lists late payment and returned payment fees of up to $40 and no overlimit fee — The table row gives "Up to $40" for a late payment; the fee explanation states the $29 first step, the $40 repeat step and the cap at the prior Minimum Payment Due.

Charges & Financial Obligations · Company practice

Interest is calculated with the average daily balance method including new purchases

The table states that interest is calculated using the average daily balance method (including new purchases) and sends the reader to the "How we calculate interest" section in Part 2.

Supporting quotations

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

Fees are added to the purchase balance unless the issuer says otherwise

Unless the issuer tells you otherwise, fees are added to a purchase balance. The balance transfer fee and cash advance fee are separately stated to go onto their own balances.

Supporting quotations

We add fees to a purchase balance, unless we tell you otherwise.

Qualifications & exceptions

• The balance transfer fee is added to the balance transfer balance and the cash advance fee to the Cash Advance balance, as stated in the fee entries.

Charges & Financial Obligations · Company practice

Variable APRs follow the Prime Rate, take effect from the first day of the billing period, and are capped at 29.99%

If the Prime Rate increases, variable APRs (and their daily periodic rates) increase, so you may pay more interest and may have a higher Minimum Payment Due. When the Prime Rate changes, the resulting change to variable APRs takes effect as of the first day of the billing period during which the Prime Rate changed. Variable APRs will not exceed 29.99%.

Supporting quotations

If the Prime Rate increases, variable APRs (and corresponding DPRs) will increase.

you may pay more interest and may have a higher Minimum Payment Due

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

• Changes take effect from the first day of the billing period in which the Prime Rate changed, per the text.
• The 29.99% limit is stated for variable APRs.

Not stated here

• This section mentions "corresponding DPRs" but the published agreement lists no Daily Periodic Rate values in this section.

Charges & Financial Obligations · Company practice

The Prime Rate is the highest U.S. Prime Rate in The Wall Street Journal on the closing date of the billing period

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 a Prime Rate that day, the Prime Rate from the previous day it was published is used. If the Journal is no longer published or stops publishing the Prime Rate, the issuer may use the Prime Rate published in another newspaper of general circulation.

Supporting quotations

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.

we may use the Prime Rate published in another newspaper of general circulation

Qualifications & exceptions

• The fallback to another newspaper is permissive ("may use") and applies if the Journal is no longer published or stops publishing the Prime Rate.

Charges & Financial Obligations · Restriction or exception

Returned payment fee: $29, then $40 on a repeat, capped at the prior Minimum Payment Due

If a payment you make is returned unpaid the first time it is presented to your bank, the returned payment fee is $29. If this happens again within the same billing period or the next 6 billing periods, the fee is $40. The returned payment fee on a billing statement will not exceed the applicable Minimum Payment Due on the prior billing statement. The fee is introduced as "Up to $40".

Supporting quotations

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

• The $40 step covers a repeat within the same billing period or the next 6 billing periods; the late payment fee step covers the next 6 billing periods.
• The cap is the applicable Minimum Payment Due on the prior billing statement.

Cross-references

• qualifies (model-proposed): The table lists late payment and returned payment fees of up to $40 and no overlimit fee — The table row gives "Up to $40" for a returned payment; the fee explanation states the $29 first step, the $40 repeat step and the cap at the prior Minimum Payment Due.

Charges & Financial Obligations · Restriction or exception

A $38 fee applies if a check you cash at an approved location with your card is returned unpaid

If you use your card to cash a check at one of the issuer's approved locations and the check is returned unpaid, the issuer charges $38. It will also charge you the unpaid amount.

Supporting quotations

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.

Qualifications & exceptions

• Applies when you use your card to cash a check at an approved location and the check is returned unpaid.

Not stated here

• The document does not list the approved locations or say how such a check cashing is classified among charges.

Charges & Financial Obligations · Company commitment

There is no overlimit fee; the issuer may approve charges over the limit and may ask for the excess to be paid promptly

The Overlimit fee is None. The issuer may approve charges that put your account balance over your Credit Limit, and if it does it will not charge an overlimit fee. If it asks you to promptly pay the amount of your balance above the Credit Limit, you agree to do so. The fee entry refers to the Credit Limit and Cash Advance Limit section in Part 1.

Supporting quotations

Overlimit: None. See Credit Limit and Cash Advance Limit in Part 1.

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.

Qualifications & exceptions

• Approving a charge over the Credit Limit is at the issuer's option ("may approve").
• If asked, you agree to pay the over-limit amount promptly.

Not stated here

• The minimum payment text also refers to an "overlimit amount"; the document does not say when an overlimit amount arises given that the issuer states no overlimit fee.

Cross-references

• contrast (model-proposed): Minimum Payment Due: highest of three amounts, plus penalty fees, plan payments and past-due amounts — The fee list says there is no overlimit fee and the issuer may approve charges over the Credit Limit, yet the Minimum Payment Due calculation adds up to 1/24th of any "overlimit amount". These address different things (a fee versus a share of the amount over the limit) and the text does not say when an overlimit amount arises; reviewed as a tension, not a conflict.

Charges & Financial Obligations · Restriction or exception

Re-opening a cancelled account costs $25

If your account is cancelled, you ask the issuer to re-open it, and it does so, the fee is $25.

Supporting quotations

Account Re-opening: $25 if your Account is cancelled, you ask us to re-open it, and we do so.

Qualifications & exceptions

• Applies only if the account was cancelled, you ask for re-opening, and the issuer re-opens it.

Charges & Financial Obligations · Permission or license

The issuer assigns and may raise or lower the Credit Limit and Cash Advance Limit at any time

The issuer assigns a Credit Limit and may make part of it available for cash advances (the Cash Advance Limit). There may also be a limit on the amount you can withdraw from ATMs in a given period. The limits are shown on page 1 of Part 1 and on each billing statement. The issuer may increase or reduce your Credit Limit and Cash Advance Limit, even if you pay on time and your account is not in default.

Supporting quotations

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.

The Credit Limit and Cash Advance Limit are shown on page 1 of Part 1 and on each billing statement. 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.

Qualifications & exceptions

• Changes can be made even when you pay on time and the account is not in default.

Not stated here

• The document does not state the amounts of the Credit Limit, Cash Advance Limit or ATM withdrawal limit, or how much notice is given of a change.

Charges & Financial Obligations · Restriction or exception

You agree to keep your balance within the Credit Limit and your cash advance balance within the Cash Advance Limit

You agree to manage the account so that the account balance (including fees and interest) is not more than the Credit Limit and the cash advance balance (including fees and interest) is not more than the Cash Advance Limit.

Supporting quotations

You agree to manage your Account so that:

your Account balance (including fees and interest) is not more than your Credit Limit

your cash advance balance (including fees and interest) is not more than your Cash Advance Limit

Qualifications & exceptions

• Fees and interest count toward both balances.
• Other sections allow the issuer to approve charges over the Credit Limit without an overlimit fee.

Charges & Financial Obligations · Restriction or exception

Person-to-person transactions are limited to $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 that the total stays within that limit. The issuer may not approve a person-to-person transaction if it would cause the account to 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.

Supporting quotations

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

• The limit is measured over any 30-day period.
• The definition in Part 2 refers to the "Amex SendTM Account" as written in the source.

Charges & Financial Obligations · Company practice

Minimum Payment Due: highest of three amounts, plus penalty fees, plan payments and past-due amounts

To work out the Minimum Payment Due, the issuer starts with the highest of: (1) interest charged on the statement plus 1% of the New Balance (excluding interest, penalty fees, any overlimit amount and plan balances); (2) 2% of the New Balance (excluding penalty fees, any overlimit amount and plan balances); or (3) $40. It then adds any penalty fees shown on the statement, up to 1/24th of any overlimit amount, any plan payment due, and any amount past due.

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.

Qualifications & exceptions

• The first option excludes interest as well as penalty fees, overlimit amount and plan balances from the 1% base; the second excludes penalty fees, overlimit amount and plan balances.
• The added items are penalty fees, up to 1/24th of any overlimit amount, any plan payment due, and any amount past due.

Not stated here

• The document does not define "New Balance" or "overlimit amount" in this section.

Cross-references

• contrast (model-proposed): There is no overlimit fee; the issuer may approve charges over the limit and may ask for the excess to be paid promptly — The fee list says there is no overlimit fee and the issuer may approve charges over the Credit Limit, yet the Minimum Payment Due calculation adds up to 1/24th of any "overlimit amount". These address different things (a fee versus a share of the amount over the limit) and the text does not say when an overlimit amount arises; reviewed as a tension, not a conflict.

Charges & Financial Obligations · User right or choice

The Minimum Payment Due will not exceed the New Balance, and you may pay more at any time up to the New Balance

Your Minimum Payment Due will not exceed your New Balance. You may pay more than the Minimum Payment Due, up to your New Balance, at any time.

Supporting quotations

Your Minimum Payment Due will not exceed your New Balance. You may pay more than the Minimum Payment Due, up to your New Balance, at any time.

Qualifications & exceptions

• The right to pay more is stated up to the New Balance.

Charges & Financial Obligations · Context

Worked example: $2,900 New Balance and $29.57 interest give a Minimum Payment Due of $58.27

The agreement's example assumes a New Balance of $2,900, interest of $29.57 and no active plans, overlimit amount, penalty fees or amounts past due. The three options come to $58.27 (the interest plus 1% of $2,900 minus the interest), $58 (2% of $2,900) and $40. The highest, $58.27, is the Minimum Payment Due. If the account has any active plans, overlimit amount, penalty fees or past-due amounts, the Minimum Payment Due will be higher.

Supporting quotations

EXAMPLE: 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

• An illustration under stated assumptions, not a statement about any particular account.

Charges & Financial Obligations · Company commitment

Purchases accrue no interest in an Interest Free Period, entered by paying the New Balance by the due date

You are not charged interest on purchases when you are in an Interest Free Period. The account enters an Interest Free Period when you pay your New Balance as shown on your statement by the Payment Due Date, or when the account had no previous balance. When the account is not in an Interest Free Period, interest on purchases is charged from the date of the transaction.

Supporting quotations

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.

Qualifications & exceptions

• The Interest Free Period applies to purchases only; balance transfers and cash advances have none.
• Entering the period depends on paying the New Balance by the Payment Due Date (or having no previous balance).

Charges & Financial Obligations · Company practice

After re-entering an Interest Free Period, interest from earlier in that cycle may still appear on the next statement

After an account enters an Interest Free Period again, interest may appear on the next billing statement. This reflects interest charged from the beginning of that billing cycle through the date the payment was received. For how interest charges are calculated, the text sends the reader to the How we calculate interest section.

Supporting quotations

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.

Qualifications & exceptions

• This qualifies the table statement that no interest is charged on purchases if the entire balance is paid by the due date.

Cross-references

• qualifies (model-proposed): Purchases are interest-free if the whole balance is paid by the due date; cash advances and transfers accrue at once — The Rates and Fees Table says no interest is charged on purchases if the entire balance is paid by the due date. The Interest Free Period text adds that after an account re-enters an Interest Free Period, interest may still appear on the next statement for the part of the billing cycle before the payment was received.

Charges & Financial Obligations · Company commitment

With an active Plan It plan, the Interest Free Period depends on paying the Balance Adjusted for Plans

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.

Supporting quotations

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

• Applies when you have an active plan created through Plan It.

Not stated here

• The document does not define "Balance Adjusted for Plans" or "Adjusted Balance" in this section; the statement shows the amount.

Charges & Financial Obligations · Company practice

Balance transfers and cash advances accrue interest from the transaction date and have 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.

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.

Legal Rights & Agreement Rules · User right or choice

Parts 1-3 and any supplements or amendments make up the Card Member Agreement; a copy is available on request

Part 1, Part 2, Part 3 and any supplements or amendments make up the 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.

Supporting quotations

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

Reward Dollars are earned on eligible purchases, which exclude fees, interest, transfers, cash advances and P2P charges

You earn Blue Cash Reward Dollars for eligible purchases on the card. The number earned is based on a percentage of the dollar amount of eligible purchases during the billing period. Eligible purchases are purchases made on the card for goods and services minus returns and other credits. They do not include fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents (including gift cards), or person-to-person transactions.

Supporting quotations

You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Everyday® from American Express.

The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during the billing period.

Eligible purchases are purchases made on your Card for goods and services minus returns and other credits.

Eligible purchases do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, including gift cards, or person-to-person transactions.

Qualifications & exceptions

• Earned per billing period on eligible purchases net of returns and other credits.
• The percentages for each category appear in the next section of the rewards supplement.

Charges & Financial Obligations · Restriction or exception

Fees, interest, transfers, cash advances, prepaid cards, cash equivalents and P2P transactions earn no reward dollars

Eligible purchases are purchases made on the card for goods and services minus returns and other credits. They do not include fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents (including gift cards) or person-to-person transactions. In the Part 2 definitions a purchase is a charge for goods, services or person-to-person transactions, so a person-to-person transaction is a purchase for that purpose but is excluded from eligible purchases for rewards.

Supporting quotations

Eligible purchases are purchases made on your Card for goods and services minus returns and other credits.

Eligible purchases do NOT include: fees or interest charges, balance transfers, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of any cash equivalents, including gift cards, or person-to-person transactions.

A purchase is a charge for goods, services, or person-to-person transactions.

Qualifications & exceptions

• Eligible purchases are measured net of returns and other credits.

Charges & Financial Obligations · Company commitment

3% reward on the first $6,000 a year of eligible U.S. supermarket purchases; superstores and clubs excluded

The card earns a 3 percent reward on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets.

Supporting quotations

You will earn a reward of:

3 percent on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets)

Qualifications & exceptions

• The 3 percent rate applies only to the first $6,000 of eligible purchases in a calendar year in this category.
• Supermarkets must be located in the U.S.; superstores, convenience stores, warehouse clubs and meal-kit delivery services are not counted as supermarkets.

Not stated here

• The text does not say what rate applies to eligible supermarket purchases above $6,000 in a calendar year, other than the 1 percent rate for "all other eligible purchases".
• The text repeats the $6,000 limit in each of the three 3 percent categories without saying whether the limits are separate or combined.

Charges & Financial Obligations · Company commitment

3% reward on the first $6,000 a year of eligible U.S. online retail purchases; restaurants, travel and services excluded

The card earns a 3 percent reward on the first $6,000 of eligible U.S. online retail purchases in a calendar year. Purchases made at restaurants, supermarkets, gasoline stations or automotive dealers, and purchases of travel, entertainment or other services, are not considered retail purchases.

Supporting quotations

3 percent on the first $6,000 of eligible U.S. online retail purchases in a calendar year (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases);

Qualifications & exceptions

• Limited to the first $6,000 of eligible U.S. online retail purchases in a calendar year.
• Restaurants, supermarkets, gasoline stations, automotive dealers, travel, entertainment and other services are not retail purchases for this category.

Not stated here

• The text does not define "online retail purchase" beyond these exclusions or say how a merchant is classified.

Charges & Financial Obligations · Company commitment

3% reward on the first $6,000 a year of eligible U.S. gasoline purchases; superstores and clubs excluded

The card earns a 3 percent reward on the first $6,000 of eligible purchases of gasoline at gas stations located in the U.S. in a calendar year. Superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations.

Supporting quotations

3 percent on the first $6,000 of eligible purchases in a calendar year of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations)

Qualifications & exceptions

• Limited to the first $6,000 of eligible gasoline purchases in a calendar year at U.S. gas stations.
• Superstores, supermarkets and warehouse clubs that sell gasoline are not gas stations for this category.

Charges & Financial Obligations · Company commitment

1% reward applies to all other eligible purchases

The card earns 1 percent on all other eligible purchases, meaning eligible purchases outside the three 3 percent categories.

Supporting quotations

and 1 percent on all other eligible purchases.

Not stated here

• The text does not say whether eligible purchases above the $6,000 limit in a 3 percent category earn 1 percent or something else.

Charges & Financial Obligations · Restriction or exception

Category rewards depend on the merchant's code and may not apply with third-party sellers, processors or wallets

Merchants are assigned codes based on what they primarily sell, and the issuer groups certain merchant codes into categories eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not in a reward category. You may not receive additional rewards if the issuer receives inaccurate information or cannot identify your purchase as eligible. The examples given are when a merchant uses a third party to sell its products or services, when a merchant uses a third party to process or submit your transaction (for example mobile or wireless card readers), or when you pay with a third-party payment account or a mobile or digital wallet.

Supporting quotations

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards.

A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category.

You may not receive additional rewards 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, you may not receive additional rewards when"; the list is illustrative, not exhaustive.
• "May not receive" is permissive wording; the text does not say the rewards are always withheld in those cases.

Not stated here

• The list of merchant codes in each reward category is not in this document.

Charges & Financial Obligations · Procedure

Questions about extra rewards go to the number on the Card; more is at americanexpress.com/rewards-info

For questions about additional rewards on a purchase, call the number on the back of your Card. The text also points to americanexpress.com/rewards-info for more information about rewards.

Supporting quotations

For questions about additional rewards 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 americanexpress.com/rewards-info page is not part of this document, so its content is not covered here.

Charges & Financial Obligations · Restriction or exception

No reward dollars are earned on a period's purchases if its Minimum Payment Due is not paid by the Payment Due Date

You will not earn reward dollars for eligible purchases posted to your account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement.

Supporting quotations

You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement.

Qualifications & exceptions

• Applies to eligible purchases posted during the billing period whose statement Minimum Payment Due is not paid by the Payment Due Date.

Not stated here

• The text does not say whether reward dollars for that billing period can be earned later if the minimum payment is paid after the Payment Due Date.

Charges & Financial Obligations · Company practice

Credits for eligible purchases reduce the reward dollars earned

Credits for eligible purchases reduce the number of reward dollars you earn. The Reward Dollars Summary on a statement can show a negative balance when credits put eligible purchases in a negative status.

Supporting quotations

Credits for eligible purchases will reduce the number of reward dollars you earn.

If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance.

Charges & Financial Obligations · User right or choice

Reward dollars redeem for statement credits at $1 each with no minimum, but cannot pay the Minimum Payment Due

You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit appears on the card account within 3 days and applies to the billing period in which it appears. Redemption is $1 of statement credit for every reward dollar, including partial amounts (for example 32.11 reward dollars for a $32.11 credit). Reward dollars redeemed for a statement credit cannot be used to pay the Minimum Payment Due.

Supporting quotations

You can redeem reward dollars for statement credits with no minimum redemption amount.

The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears.

Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due.

Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed.

Qualifications & exceptions

• A statement credit cannot be used to pay the Minimum Payment Due.

Charges & Financial Obligations · Restriction or exception

Other redemption options may be offered; redemption is blocked if the account is cancelled or past due

From time to time the issuer may, at its option, offer other ways to redeem reward dollars, such as gift cards or merchandise. You cannot redeem reward dollars if your card account is cancelled or past due.

Supporting quotations

From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise.

You cannot redeem reward dollars if your Card Account is cancelled or past due.

Qualifications & exceptions

• New York Card Members have different redemption timing, as described separately.

Not stated here

• The text does not say which other redemption options will be offered or when.

Cross-references

• has exception (model-proposed): New York Card Members have 90 days after cancellation notice to redeem, and may redeem while past due, by phone only — The general rule bars redemption of reward dollars when the account is cancelled or past due. New York Card Members get 90 days after notification of cancellation and may redeem while past due, by phone.

Charges & Financial Obligations · User right or choice

New York Card Members have 90 days after cancellation notice to redeem, and may redeem while past due, by phone only

New York Card Members receive 90 days from notification of cancellation of the card account to redeem reward dollars, and can also redeem while the account is past due. To redeem after notification of cancellation or while past due, they must call the number on the back of the Card, not use the online account or mobile application. You are a New York Card Member if your account has a New York billing address.

Supporting quotations

New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. New York Card Members can also redeem reward dollars while their Card Account is past due.

You must call the number on the back of your Card to redeem after notification of account cancellation or while your account is past due. You will not be able to redeem in your online Account or mobile application.

You are a New York Card Member if your Card Account has a New York billing address.

New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account.

Qualifications & exceptions

• Applies to New York Card Members, defined as having a New York billing address.
• Redemption in these cases is by phone, not online or in the mobile application.

Cross-references

• exception to (model-proposed): Other redemption options may be offered; redemption is blocked if the account is cancelled or past due — The general rule bars redemption of reward dollars when the account is cancelled or past due. New York Card Members get 90 days after notification of cancellation and may redeem while past due, by phone.
• exception to (model-proposed): The whole reward dollar balance is forfeited if the account is cancelled for any reason, subject to the New York rule — The general rule forfeits the entire reward dollar balance on cancellation for any reason. New York Card Members receive 90 days from notification of cancellation to redeem.

Charges & Financial Obligations · Restriction or exception

The whole reward dollar balance is forfeited if the account is cancelled for any reason, subject to the New York rule

You forfeit your entire reward dollar balance if your card account is cancelled for any reason. New York Card Members receive 90 days from notification of cancellation to redeem reward dollars.

Supporting quotations

You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason.

New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. You are a New York Card Member if your Card Account has a New York billing address.

Qualifications & exceptions

• The rewards text says "for any reason"; a later section (Part 3) separately lets the issuer cancel the account at any time and for any reason.
• New York Card Members have 90 days after cancellation notification to redeem.

Not stated here

• The text does not say how many days other Card Members have to redeem after being told of a cancellation, if any.

Cross-references

• refers to (model-proposed): The issuer may cancel or suspend the account or any feature at any time for any reason, and you still owe all charges — Reward dollars are forfeited if the account is cancelled for any reason, and Part 3 lets the issuer cancel the account at any time and for any reason, so an issuer cancellation is one way the forfeiture can arise. The text itself does not tie the two statements together.
• has exception (model-proposed): New York Card Members have 90 days after cancellation notice to redeem, and may redeem while past due, by phone only — The general rule forfeits the entire reward dollar balance on cancellation for any reason. New York Card Members receive 90 days from notification of cancellation to redeem.

Charges & Financial Obligations · Context

The Reward Dollars Summary on a statement is informational and may differ from what you are entitled to receive

The reward dollars shown under the Reward Dollars Summary on the billing statement are for informational purposes only and do not show the actual reward dollars you may be entitled to receive. For example, a credit can lower the reward dollars shown, and the summary can show a negative balance until eligible purchases exceed the negative eligible purchases.

Supporting quotations

The reward dollars shown on your billing statement under the heading Reward Dollars Summary is only for informational purposes. It does not show the actual reward dollars that you may be entitled to receive.

It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases.

Charges & Financial Obligations · Restriction or exception

Rewards are earned only on purchases for personal, family or household use, and reward dollars are not cash

You will only receive rewards for eligible purchases for personal, family or household use. Reward dollars are redeemable for rewards as described, and they are not cash.

Supporting quotations

You will only receive rewards for eligible purchases for personal, family or household use.

Reward dollars are redeemable for rewards as described above, they are not cash.

Charges & Financial Obligations · Permission or license

The issuer may change the rewards program at its discretion; abuse may forfeit some or all accrued reward dollars

The issuer may change the terms of the rewards program at its discretion. If you violate or abuse the program, you may forfeit some or all of your accrued reward dollars.

Supporting quotations

We may change the terms of this program at our discretion.

If you violate or abuse this program, you may forfeit some or all of your accrued reward dollars.

Qualifications & exceptions

• "May forfeit" is permissive, and the amount forfeited can be some or all.

Not stated here

• The text does not define what counts as violating or abusing the program, or give notice terms for changes.

Legal Rights & Agreement Rules · Context

Using the Account or signing or keeping the Card means you agree; before use you can cancel without fees

This Part 2 document, 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 its terms. If you have not yet used the account or made a payment on it after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

Supporting quotations

Card Member Agreement: Part 2 of 3

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

• Acceptance is by using the Account, signing the Card or keeping the Card.
• The no-fee cancellation applies only if you have not yet used the Account or made a payment after receiving a billing statement.

Not stated here

• The text does not say how long a person may keep a Card before keeping it counts as agreeing, or how the cancellation is made.

Legal Rights & Agreement Rules · Permission or license

The issuer may change the Agreement subject to law; the written Agreement is final and cannot be changed orally

The issuer may change the Agreement, subject to applicable law. The written Agreement is a final expression of the agreement governing the Account, and it may not be modified or amended by any alleged oral agreement.

Supporting quotations

Changing the Agreement: 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

• Changes are "subject to applicable law".

Not stated here

• This passage does not say how or when you are told about a change, whether you can decline it, or when it takes effect; those details are not in this section.

Legal Rights & Agreement Rules · Context

"We" is the issuer and "you" is the person who applied, called the Basic or Primary Card Member

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 the issuer opened it, referred to as 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 the issuer issues to access your account.

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.

Charges & Financial Obligations · Context

Defined charge types: purchase, cash advance, balance transfer, person-to-person transaction, plan

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 cash advance is a charge to get cash or cash equivalents, with examples including travelers cheques, gift cheques, foreign currency, money orders, digital currency, casino gaming chips, race track wagers, and other offline and online betting transactions. A balance transfer is a charge to pay an amount you owe on another credit card account. A person-to-person transaction is a charge for funds sent to another person or to add funds to your Amex Send account. 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.

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 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.

A balance transfer is a charge to pay an amount you owe on another credit card account.

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.

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

• The cash advance definition says "including" and lists examples; it is not framed as an exhaustive list.
• A person-to-person transaction is a kind of purchase under these definitions, although it is excluded from eligible purchases for rewards.

Charges & Financial Obligations · Company practice

"To pay by a certain date" means the payment must be received and credited to the Account by that date

To pay by a certain date means to send your payment so that the issuer receives it and credits it to your account by that date. The Closing Date appears on each billing statement and is the last day of the billing period covered by that statement.

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.

The Closing Date appears on each billing statement and is the last day of the billing period covered by the billing statement.

Qualifications & exceptions

• Payment is only on time under this definition if the issuer receives and credits it by the date.
• Part 2 separately says payments meeting the stated requirements are credited as of the day received if received by the stated time.

Account & Service Control · Permission or license

Plans, cash advances and balance transfers are at the issuer's discretion; no transfers from other issuer accounts

You may use the Card to make charges. At the issuer's discretion, it may permit you to create plans, make cash advances or make balance transfers. You cannot transfer balances from any other account issued by the issuer or its affiliates.

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.

Qualifications & exceptions

• Permission for plans, cash advances and balance transfers is "at our discretion".

Cross-references

• qualifies (model-proposed): Balance transfers carry the same variable APR range, only for transfers the issuer accepts — The balance transfer APR applies to requests the issuer may accept; the Part 2 terms add that balances cannot be transferred from any other account issued by the issuer or its affiliates.

Account & Service Control · Restriction or exception

The Card is for personal, family or household purposes only

You agree to use the Card for personal, family or household purposes only.

Supporting quotations

You agree to use the Card for personal, family, or household purposes only.

Sharing & Disclosure · User right or choice

Merchants storing your Card number may be told of changes to it or your account status unless you contact the issuer

You may arrange for merchants and third parties to store your Card number and expiration date, for example so a merchant can charge your account at regular intervals. The issuer may (but is 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 the issuer to share your updated account information, you can contact it using the number on the back of your Card.

Supporting quotations

You may arrange for certain merchants and third parties to store your Card number and expiration date

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.

Qualifications & exceptions

• Sharing is permitted ("may") but not required.
• The choice is made by contacting the issuer; no online route is stated here.

Not stated here

• The text does not say which merchants or third parties are told, or whether contacting the issuer stops sharing for all of them.

Security & Safeguards · Restriction or exception

Keep the Card safe, report loss or unauthorized use right away, and do not use the Account for illegal activities

The agreement tells you to keep your Card safe and not let anyone else use it. If your Card is lost or stolen or your account is being used without your permission, contact the issuer right away. You may not use your account for illegal activities.

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.

You may not use your Account for illegal activities.

Account & Service Control · Permission or license

The issuer may decline a charge, including for suspected fraud or creditworthiness, and is not responsible for losses

The issuer may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the charge would not put you over your Credit Limit and your account is not in default. It is not responsible for any losses you incur if it does not authorize a charge or if a merchant refuses to accept the 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.

Qualifications & exceptions

• The reasons listed are examples ("various reasons, including").

Charges & Financial Obligations · Company practice

Plan It, if offered, lets you pay selected purchases over set months with a monthly plan fee instead of the purchase APR

The issuer may offer 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 qualifying purchases or a qualifying amount and a plan duration, and can view the monthly plan payments, including the plan fee. Each plan fee is disclosed before you create the plan and is based on the plan duration, the APR that would otherwise apply, and other factors. Whether you can create plans depends on factors such as your creditworthiness and your Credit Limit.

Supporting quotations

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.

You may use this feature by selecting qualifying purchases or a qualifying amount and a plan duration. You will be able to view the monthly plan payments, including the plan fee, for your selection.

Each plan fee will be disclosed before you create the applicable plan and will be based on the plan duration, the APR that would otherwise apply to the purchase amount(s), and other factors.

Your ability to create plans will be based on a variety of factors such as your creditworthiness and your Credit Limit.

Qualifications & exceptions

• Plan It is something the issuer "may offer", not a promise.

Cross-references

• qualified by (model-proposed): No new Plan It plans if the account is cancelled or an Amex account is in a payment program, past due or returned — Plan It is something the issuer may offer; further limits say plans cannot be created when the account is cancelled or any American Express account is in a payment program, has a returned payment or is past due.

Charges & Financial Obligations · Restriction or exception

Plan It excludes cash, cash equivalents, balance transfers, foreign-transaction purchases and fees owed to the issuer

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 the issuer, such as Annual Fees.

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 for a qualifying purchase and the portion of the balance that is a qualifying amount are not stated in this document.

Charges & Financial Obligations · Restriction or exception

No new Plan It plans if the account is cancelled or an Amex account is in a payment program, past due or returned

Your ability to create plans is based on factors such as your creditworthiness and your Credit Limit, and permission to create plans is at the issuer's discretion. You will not be able to create plans if your account is cancelled. You also will not be able to create plans if one or more of your American Express accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due.

Supporting quotations

At our discretion, we may permit you to create plans

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.

Qualifications & exceptions

• The block says "one or more of your American Express accounts", so the condition reaches beyond this card account.

Not stated here

• The document does not say what counts as a payment program or how long a returned or past-due condition blocks new plans.

Cross-references

• qualifies (model-proposed): Plan It, if offered, lets you pay selected purchases over set months with a monthly plan fee instead of the purchase APR — Plan It is something the issuer may offer; further limits say plans cannot be created when the account is cancelled or any American Express account is in a payment program, has a returned payment or is past due.

Charges & Financial Obligations · Permission or license

The issuer sets active plan counts, durations and plan contents; plan balances must stay within the Credit Limit

The issuer tells you the number of active plans you may have and may change that 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, are at its discretion and based on factors such as your creditworthiness, the purchase amounts 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.

Supporting quotations

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.

Charges & Financial Obligations · User right or choice

Plans cannot be cancelled once created, but paying the New Balance in full pays them off early and ends future plan fees

Plans cannot be cancelled after they have been created. 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.

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.

Qualifications & exceptions

• Early payoff is done by paying the New Balance on the most recent statement in full.

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.

Supporting quotations

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.

Charges & Financial Obligations · Restriction or exception

You must pay at least the Minimum Payment Due on or before the Payment Due Date, as shown on each statement

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. Under the Agreement's definition, to pay by a certain date means to send your payment so that the issuer receives it and credits it to your account by that date.

Supporting quotations

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.

Qualifications & exceptions

• The time and manner are those shown on each billing statement.

Charges & Financial Obligations · Procedure

Pay in U.S. dollars by single U.S. check, single negotiable instrument such as a money order, or electronic payment

Payments must be made 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.

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.

Charges & Financial Obligations · Procedure

Mail payments need a separate payment per account, the coupon address, and the account number and payment coupon

When paying by mail, make a separate payment for each account, mail it 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.

Supporting quotations

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

write your Account number on your check or negotiable instrument and include the payment coupon.

Charges & Financial Obligations · Company practice

A compliant payment is credited the day received (next day if late); noncompliant payments may be delayed

If your payment meets the stated requirements, it is credited to your account as of the day it is received, as long as it is received by the time and in the manner disclosed in your billing statement. If it is received after that time, it is credited the day after. If your payment does not meet the requirements, there may be a delay in crediting, which may result in late payment fees and additional interest charges. The text refers to How Rates and Fees Work in Part 1.

Supporting quotations

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).

Qualifications & exceptions

• The crediting rule applies if the payment meets the requirements for payment method and mailing.
• "May" result in late fees and interest: the text does not say a delay always has that result.

Not stated here

• The time of day by which a payment must be received is not stated here; it is shown on the billing statement.

Charges & Financial Obligations · Restriction or exception

No foreign currency or non-U.S. bank payments; processing a late, partial or restricted payment changes nothing

The issuer will not accept a payment made in a foreign currency or a payment drawn on an account at a bank located outside the U.S. If it processes a late payment, a partial payment, or a payment marked with any restrictive language, that has no effect on its rights and does not change the Agreement.

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

If the account has balances at different interest rates, plan balances or plan fees, the issuer generally applies payments in a billing period as follows. Payments up to the Minimum Payment Due go first to any 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.

Supporting quotations

Your Account may have balances with different interest rates. For example, purchases may have a lower interest rate than cash advances.

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

• Described as how the issuer "generally" applies payments.
• The order differs for the part of a payment up to the Minimum Payment Due and the part above it.

Charges & Financial Obligations · Company practice

Credits usually go to the related charge's balance; excess credits are redistributed; plan credits need a call

In most cases the issuer applies a credit to the same balance as the related charge, for example a purchase credit to the purchase balance. It may apply payments and credits within balances, and among balances with the same interest rate, in any order it chooses. If a balance is negative at the end of a billing period, the excess credit is redistributed to other balances in line with how payments are applied, so plan balances may be paid before they otherwise would. If you receive a credit for a purchase placed into a plan, you must call the number on the back of your Card to have the credit applied to the plan balance.

Supporting quotations

In most cases, we apply a credit to the same balance as the related charge.

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.

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.

Qualifications & exceptions

• "In most cases" signals exceptions to applying a credit to the same balance.

Not stated here

• The text does not say what the exceptions to applying a credit to the same balance are.

Charges & Financial Obligations · Company practice

Interest is calculated separately on each balance using the Average Daily Balance method including new transactions

Interest for a billing period is calculated by first figuring the interest on each balance, since different categories of transactions, such as purchases and cash advances, may have different interest rates, and balances within a category may also differ. The issuer uses the Average Daily Balance method (including new transactions) for each balance, and the total interest for the billing period is the sum of the interest on each balance.

Supporting quotations

We calculate interest for a billing period by first figuring the interest on each balance.

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.

Charges & Financial Obligations · Context

Interest on a balance is Average Daily Balance times Daily Periodic Rate times days in the billing period

Except for rounding variations, the interest charged on a balance in a billing period equals the Average Daily Balance multiplied by the Daily Periodic Rate multiplied by the number of days in the billing period. A DPR is 1/365th of an APR, rounded to one ten-thousandth of a percentage point.

Supporting quotations

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.

A DPR is 1/365th of an APR, rounded to one ten-thousandth of a percentage point.

Qualifications & exceptions

• Rounding can cause small variations from the formula.

Not stated here

• The published agreement does not list DPR values; this section only defines how a DPR relates to an APR.

Charges & Financial Obligations · Context

The Average Daily Balance is the sum of a balance's daily balances divided by the days in the billing period

To get the ADB for a balance, the issuer adds up its daily balances and divides the result by the number of days in the billing period.

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.

Charges & Financial Obligations · Context

A DPR is 1/365th of an APR; the agreement says DPRs are shown in Part 1, but the published agreement lists none

A DPR (Daily Periodic Rate) is 1/365th of an APR, rounded to one ten-thousandth of a percentage point. The text says "Your DPRs are shown in How Rates and Fees Work in Part 1." The published agreement does not show any DPR: its How Rates and Fees Work section holds only 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. Part 1 does say that variable APRs and their corresponding DPRs change when the Prime Rate changes.

Supporting quotations

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.

If the Prime Rate increases, variable APRs (and corresponding DPRs) will increase.

Qualifications & exceptions

• The DPR is defined as 1/365th of an APR.
• APRs in this agreement are variable, so the corresponding DPRs change with them.

Not stated here

• The published agreement does not list any Daily Periodic Rate; the reference to DPRs "shown in How Rates and Fees Work in Part 1" has no values to point to, and no DPR is computed or imported here.

Charges & Financial Obligations · Context

Worked example: a 15.99% rate and a $2,250 average daily balance over 30 days gives a DPR of 0.0438% and $29.57 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, which is 0.0438%, and the interest is $2,250 multiplied by 0.0438% multiplied by 30 days, which is $29.57.

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

number of days in the billing period.

Qualifications & exceptions

• An illustration under stated assumptions; the 15.99% rate is an example figure, not a rate stated for this card.

Charges & Financial Obligations · Company practice

Daily balance: beginning balance plus new charges, minus payments and credits, with adjustments

The issuer figures 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. A new charge is added to a daily balance as of its transaction date. If the daily balance is negative, it is treated as zero.

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.

Not stated here

• The text does not say what the "appropriate adjustments" are.

Charges & Financial Obligations · Company practice

Interest compounds daily because each day's beginning 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 the previous day's daily balance multiplied by the DPR for that balance. The issuer says this results in daily compounding of interest.

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.

Charges & Financial Obligations · Permission or license

The issuer may use other equivalent formulas and may choose not to charge interest on certain charges

To figure the ADB and interest charges, the issuer may use other formulas or methods that produce equivalent results. It may also choose not to charge interest on certain types of charges.

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

• The text does not say which types of charges may be exempted from interest.

Legal Rights & Agreement Rules · User right or choice

Covered members of the Armed Forces and dependents get a 36% annual percentage rate cap that includes certain fees

The agreement states that federal law protects members of the Armed Forces and their dependents in extensions of 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. That rate must include, as applicable to the credit transaction or account, credit insurance premiums, fees for ancillary products sold in connection with the credit, any application fee (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).

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

• Stated "in general", with the exclusions named for certain application and participation fees.

Not stated here

• The text does not say how this cap relates to the variable APRs and the 29.99% limit in Part 1.

Legal Rights & Agreement Rules · User right or choice

Covered borrowers under the Military Lending Act are not subject to the Claims Resolution arbitration provision

If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section does not apply to you in connection with this account. However, if you elect arbitration, the issuer will comply with its obligations under the Claims Resolution section. The text also gives a phone number, 855-531-0379, to listen to the Military Lending Act statement and a description of your payment obligation.

Supporting quotations

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.

To listen to this statement, as well as a description of your payment obligation for this Account, call us at 855-531-0379.

Qualifications & exceptions

• Applies to a covered borrower under the Military Lending Act in connection with this account.

Not stated here

• The text does not define who a covered borrower is beyond the Military Lending Act reference, and does not say what happens if only the covered borrower's arbitration election is made.

Cross-references

• exception to (model-proposed): Either side may elect individual arbitration; the issuer will not elect it for your individual small claims case — Either side may elect arbitration, but for a covered borrower under the Military Lending Act the Arbitration provision does not apply, although the issuer says it will comply with its obligations if the borrower elects arbitration.

Account & Service Control · Permission or license

Additional Cards issue at your request; their use is subject to the Agreement and may be reported to credit bureaus

The issuer may issue additional Cards on your account at your request. Additional Card Members can use your account subject to the terms of the Agreement, and the issuer may report their use of your account to credit reporting agencies. If an Annual Fee applies to Additional Cards, it is shown on page 2 of Part 1 of the Agreement.

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.

You may request a Card for an Additional Card Member.

Qualifications & exceptions

• The Annual Fee sentence is conditional ("If an Annual Fee applies"); the fee list in Part 1 shows an Annual Fee for Additional Cards of None.

Account & Service Control · Restriction or exception

You answer for all use by Additional Card Members and anyone they allow; account information may be shared with them

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 the issuer to give Additional Card Members information about your account and to discuss it with them. You can contact the issuer if you want to cancel an Additional Card Member's ability to use your account.

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.

Charges & Financial Obligations · Context

Any annual fee refund for an Additional Card follows the Part 3 policy; a group fee refund follows the assessed card

If an Annual Fee applies for an Additional Card, the text refers to the refund policy in the Closing or suspending your Account sub-section of Part 3. If a single Annual Fee applies for a group of Additional Cards on your account, that policy applies when you cancel the Additional Card on which the fee was assessed.

Supporting quotations

If an Annual Fee applies for an Additional Card, please refer to the refund policy disclosed in the Closing or suspending your Account sub-section of Part 3 of this Agreement. 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.

Qualifications & exceptions

• Conditional on an Annual Fee applying to Additional Cards; Part 1 shows none for this card.

Legal Rights & Agreement Rules · Procedure

Notices go by U.S. mail, courier or electronically and count as given when mailed or delivered electronically

The issuer sends notices by U.S. mail, courier, or electronically using the information in its records. It considers a notice given when it mails it or delivers it electronically.

Supporting quotations

Card Member Agreement: Part 3 of 3

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 it.

Use & Processing · Permission or license

You authorize the issuer and its agents to call, text, email or push-notify you, including by auto-dialer

If the issuer needs to contact you to service your account or collect amounts you owe, you authorize it, its affiliates, and its 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 it, or at which it believes it can reach you. It may contact you in any way permitted by law, such as calling, texting, emailing or mobile application push notifications. It may use an automated dialer or prerecorded messages, and may contact you on a mobile, wireless or similar device even if you are charged for it.

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 for servicing the account or collecting amounts owed.
• It reaches numbers and addresses you did not provide if the issuer "believes" it can reach you there.

Not stated here

• This section does not give a way to withdraw or limit the authorization.

Data Access & Collection · Company practice

The issuer may monitor and record calls between you and the issuer

The issuer may monitor and record any calls between you and it.

Supporting quotations

We may monitor and record any calls between you and us.

Not stated here

• The text does not say how long recordings are kept or what they are used for.

Account & Service Control · Restriction or exception

You must tell the issuer right away about address, email or phone changes, separately for each account

You must notify the issuer immediately if you change your mailing address, email address or telephone number. If you have more than one account, you need to notify the issuer separately for each account. The issuer may update your billing address if it receives information that it has changed or is incorrect.

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.

Legal Rights & Agreement Rules · Restriction or exception

If the issuer credits a disputed charge, you assign your claims against the merchant to the issuer and must cooperate

If you dispute a charge with a merchant, the issuer may credit the account for all or part of the disputed charge. If it does, you assign and transfer to it all rights and claims (excluding tort claims) against the merchant, you agree not to pursue any claim against the merchant for the credited amount, and you must cooperate with the issuer if it decides to pursue the claim.

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 excludes tort claims and applies only if the issuer credits the account.

Data Access & Collection · Permission or license

You agree the issuer will obtain credit reports and other information, verify income, and use it for any purpose

You agree that the issuer 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 it will use that information for any purposes (for example, marketing to you or evaluating you for a new account), subject to applicable law.

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

• Use for "any purposes" is subject to applicable law.

Not stated here

• The text does not name the other sources of information or how often the information is re-verified.

Sharing & Disclosure · Company practice

The issuer reports account information to credit reporting agencies, including your failure to follow the Agreement

You agree that the issuer will give information about the account to credit reporting agencies. It will tell a credit reporting agency if you fail to comply with the terms of the Agreement, which may have a negative impact on your credit report. If you believe information given to a credit reporting agency is incorrect, you can write to American Express Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537, and tell it the specific information you believe is incorrect.

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.

Qualifications & exceptions

• Reporting a failure to comply is stated to "may" have a negative impact on your credit report.
• The dispute route here is by letter to the stated address.

Legal Rights & Agreement Rules · Restriction or exception

The account may be treated as in default for violations, false information, bankruptcy or doubts about payment

The issuer may consider your account to be in default if you violate a provision of the Agreement, give false information, file for bankruptcy, default under another agreement you have with the issuer or an affiliate, or if the issuer believes you are unable or unwilling to pay your debts when due.

Supporting quotations

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

• "May consider" gives the issuer discretion; the last trigger rests on what the issuer believes.

Not stated here

• The text of any other agreement with the issuer or an affiliate is not supplied here, so what a default under it requires is not stated.

Legal Rights & Agreement Rules · Permission or license

On default, incapacity or death the issuer may suspend charges, cancel features and demand more or the full balance

If the issuer considers the account in default, or if you become incapacitated or die, it may, to the extent permitted by federal and applicable state law, suspend your ability to make charges, cancel or suspend any feature on the account, require you to pay more than your Minimum Payment Due immediately, and require you to pay your account balance immediately.

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

• Available "to the extent permitted by federal and applicable state law".
• Applies on default, incapacity or death.

Charges & Financial Obligations · Restriction or exception

You agree to pay the issuer's reasonable costs of collecting amounts you owe, including attorneys' fees

You agree to pay all reasonable costs, including attorneys' fees, that the issuer incurs to collect amounts you owe.

Supporting quotations

You agree to pay all reasonable costs, including attorneys' fees, that we incur to collect amounts you owe.

Account & Service Control · Permission or license

The issuer may cancel or suspend the account or any feature at any time for any reason, and you still owe all charges

The issuer 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 it does any of these, you must still pay all charges under the terms of the Agreement.

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.

Qualifications & exceptions

• Cancellation does not remove your obligation to pay; cancelled accounts also forfeit reward dollars under the rewards supplement.

Cross-references

• referred to by (model-proposed): The whole reward dollar balance is forfeited if the account is cancelled for any reason, subject to the New York rule — Reward dollars are forfeited if the account is cancelled for any reason, and Part 3 lets the issuer cancel the account at any time and for any reason, so an issuer cancellation is one way the forfeiture can arise. The text itself does not tie the two statements together.

Account & Service Control · User right or choice

You may close the account by calling or writing; an annual fee is refunded only if you close within 30 days

You may close your account by calling or writing to the issuer. If an Annual Fee applies, it will be refunded if you notify the issuer 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. This policy does not apply if your billing address is in the Commonwealth of Massachusetts when you close the account.

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 rule is conditional on an Annual Fee applying; Part 1 shows no Annual Fee for this card.
• The Massachusetts billing address exception means the policy does not apply to those accounts.

Not stated here

• The text does not say what applies to a Massachusetts account instead of this refund policy.

Charges & Financial Obligations · Restriction or exception

A reinstated account may bring back additional Cards with annual fees and a reinstatement fee

If the issuer later agrees to reinstate your account, it 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 the issuer re-opens it at your request, it may charge you a $25 fee.

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.

Qualifications & exceptions

• Phrased as "may charge"; the Part 1 fees list states the Account Re-opening fee as $25.

Not stated here

• The text does not state the amount of the reinstatement fee in the first sentence beyond the $25 re-opening fee in the later sentence.

Charges & Financial Obligations · Permission or license

Paying by check authorizes a one-time electronic debit, possibly the same day, with no check returned

When you pay by check, you authorize the issuer 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 the issuer receives your check, and you will not receive the check back from your bank or financial institution. In certain circumstances, the issuer may process your payment as a check transaction.

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.

Qualifications & exceptions

• The authorization is for a one-time electronic fund transfer for the check payment.

Not stated here

• The text does not say which circumstances lead the issuer to process the payment as a check transaction.

Charges & Financial Obligations · Company practice

AEEML converts foreign currency charges to dollars 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 the issuer or its agents process it, and the issuer bills you in U.S. dollars on that basis. Unless a particular rate is required by law, AEEML chooses a conversion rate that is acceptable to the issuer 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. It 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.

Supporting quotations

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.

See Converting charges made in a foreign currency in Part 2.

Qualifications & exceptions

• The rate is a ceiling ("no more than the highest"), not a fixed rate.
• The 2.7% foreign transaction fee applies to the converted U.S. dollar amount.
• The Part 1 fee text points to this passage as being in Part 2; in the supplied document it appears in Part 3.

Not stated here

• The document does not say what rate AEEML actually uses on a given day, only the ceiling it applies.

Cross-references

• referred to by (model-proposed): Foreign transactions cost 2.7% of the converted U.S. dollar amount — The Part 1 fee text points to "Converting charges made in a foreign currency in Part 2". The matching passage appears after the Part 3 of 3 heading. The mismatch is reported, not corrected.

Data Access & Collection · Company practice

Charge information from federal agency purchases is collected for processing, billing, collections and marketing use

Some federal agencies may accept the Card under authority of statute. When you make charges at these agencies, the issuer collects certain charge information. That information may be put to routine uses such as processing, billing and collections, and it may also be aggregated for reporting, analysis and marketing use. Other routine uses by agencies may be published in the Federal Register.

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.

Qualifications & exceptions

• Applies to charges made at federal agencies that accept the Card.

Not stated here

• The text does not say which charge information is collected, and the agency routine uses in the Federal Register are not supplied here.

Sharing & Disclosure · Company practice

The issuer or affiliates may promote fee-based products and be compensated, which may influence what they tell you about

The issuer or its affiliates may tell you about insurance and non-insurance products, services or features that may have a fee. One of its 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 the issuer or on its behalf. Affiliates may get additional compensation when AMEX Assurance Company or another affiliate is the insurer or reinsurer. Compensation may influence what products and providers the issuer or its affiliates tell you about.

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 · Company practice

The issuer may share information about you with affiliates to identify products for you, and may be compensated

The issuer may share information about you with its affiliates so they can identify products that may interest you. The issuer may be compensated for this information.

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.

Not stated here

• The text does not say what information is shared with affiliates, which affiliates receive it, or whether you can opt out of this sharing.

Account & Service Control · Permission or license

The issuer may add, change or remove any benefit, feature or service of the account at its discretion

The issuer has the right to add, modify or remove any benefit, feature or service included with or related to your account at its discretion.

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.

Not stated here

• The text does not say how much notice is given of such a change.

Legal Rights & Agreement Rules · Permission or license

The issuer may assign the Agreement and your account without notice; you may not; delay is not a waiver

The issuer may sell, transfer or assign the Agreement and your account at any time without notifying you. You may not sell, assign or transfer your account or any of your obligations under the Agreement. The issuer may choose to delay enforcing or not exercise its rights, and doing so does not waive its right to exercise or enforce them on any other occasion.

Supporting quotations

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.

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 · Context

Utah and federal law govern the Agreement; Maryland-billed accounts are offered under a Maryland statute if it applies

Utah law and federal law govern the Agreement and your account, without regard to internal principles of conflicts of law. The issuer says it entered into the Agreement with you in Utah, where it is located and holds your account. For Maryland residents, if the account has a Maryland billing address, the issuer elects to offer the account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to the account.

Supporting quotations

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.

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 Maryland election applies only where the account has a Maryland billing address and only to the extent, if any, that Maryland law applies.

Not stated here

• The text of the cited Maryland Commercial Law Article provision is not supplied here, so what the election changes is not stated.

Legal Rights & Agreement Rules · User right or choice

Oregon notice: service charges within legal limits apply, and you may pay more than the minimum at any time

Under a 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, and you may pay more than the Minimum Payment Due, up to your entire outstanding balance, at any time.

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.

Qualifications & exceptions

• Addressed to Oregon residents.

Legal Rights & Agreement Rules · User right or choice

Washington notice: interest caused solely by delay in posting a return credit is not your responsibility

Under a notice for residents of Washington State, citing Section 63.14.167 of the Revised Code of Washington Statutes, you are not responsible for payment of interest charges that result solely from a merchant's failure to transmit to the issuer within seven working days a credit for goods or services accepted for return or forgiven, if you have notified the issuer of the merchant's delay in posting the credit, or from the issuer's failure to post the credit to your account within three working days of receiving it.

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

• Addressed to residents of Washington State.
• The merchant-delay protection depends on you having notified the issuer of the merchant's delay.

Not stated here

• The text of the cited Washington statute is not supplied here, and this card does not describe its contents beyond the notice.

Legal Rights & Agreement Rules · Context

Call Customer Service first; Claims Resolution covers mediation, arbitration and 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. It includes an arbitration provision, which you may reject by sending written notice within 45 days after your first Card purchase (see Your Right to Reject Arbitration).

Supporting quotations

Claims Resolution

Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card.

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 right is time-limited to 45 days after your first Card purchase.

Not stated here

• The details of how to reject, and the effect of rejection, are in the Your Right to Reject Arbitration subsection and are covered in its own card.

Legal Rights & Agreement Rules · Context

"You" and "us" in Claims Resolution include corporate parents, subsidiaries, affiliates and related persons or entities

For the Claims Resolution section, "you" and "us" include any corporate parents, subsidiaries, affiliates or related persons or entities. A claim may not be sold, assigned or transferred by you.

Supporting quotations

For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities.

You may not sell, assign or transfer a claim.

Legal Rights & Agreement Rules · Context

"Claim" covers any dispute about your accounts, the Agreement or your relationship with the issuer, including rewards

A Claim means any current or future claim, dispute or controversy relating to your accounts, the Agreement, or any agreement or relationship you have or had with the issuer, 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; claims by or against any third party using or providing any product, service or benefit in connection with any account; and claims arising from or relating to any account created under any of the agreements, 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.

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; (3) claims by or against any third party using or providing any product, service or benefit in connection with any account; and

(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.

Qualifications & exceptions

• The definition says "includes but is not limited to", so the listed types are not exhaustive.
• Disputes about the validity, enforceability or scope of the Arbitration provision itself are excluded from the definition of a Claim.

Legal Rights & Agreement Rules · Procedure

Before a lawsuit, mediation or arbitration each side sends a written claim notice stating the relief demanded

Before beginning a lawsuit, mediation or arbitration, you and the issuer agree to send a written claim notice to each party against whom a claim is asserted, to give a chance to resolve the claim informally or through mediation. The 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 the issuer 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. A sample is at americanexpress.com/claim. If the claim goes to arbitration, the relief amount in a claim notice is not disclosed to the arbitrator until after the arbitrator rules.

Supporting quotations

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.

Legal Rights & Agreement Rules · User right or choice

Either side may submit a claim to JAMS or AAA mediation within 30 days after a claim notice; the issuer pays

In mediation a neutral mediator helps the parties resolve a claim but does not decide it. Before mediation, you or the issuer must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or the issuer may submit the claim to JAMS or the American Arbitration Association (AAA) for mediation. The issuer pays the fees of the mediator.

Supporting quotations

In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement.

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.

Qualifications & exceptions

• Submission to mediation must happen within 30 days after sending or receiving a claim notice.

Legal Rights & Agreement Rules · Context

Mediation is confidential, limitation periods pause during it, and it does not affect the right to arbitrate

All mediation-related communications are confidential, inadmissible in court and not subject to discovery. All applicable statutes of limitation are tolled from the date a claim notice is sent until the mediation ends. Either side may terminate the mediation at any time, and submitting or failing to submit a claim to mediation does not affect either side's right to elect arbitration.

Supporting quotations

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.

Legal Rights & Agreement Rules · User right or choice

Either side may elect individual arbitration; the issuer will not elect it for your individual small claims case

You or the issuer may elect to resolve any claim by individual arbitration, and claims are decided by a neutral arbitrator. The issuer 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 the issuer 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.

Supporting quotations

Arbitration: You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator.

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.

Qualifications & exceptions

• The small claims carve-out applies only to claims you file that are individual and pending only in small claims court.
• Election is blocked once trial has begun or final judgment has been entered in court.

Cross-references

• has exception (model-proposed): Covered borrowers under the Military Lending Act are not subject to the Claims Resolution arbitration provision — Either side may elect arbitration, but for a covered borrower under the Military Lending Act the Arbitration provision does not apply, although the issuer says it will comply with its obligations if the borrower elects arbitration.
• has exception (model-proposed): No issuer-elected arbitration of your individual small claims case; delay in enforcing arbitration is no waiver — The general right to elect arbitration is limited: the issuer will not elect arbitration of an individual claim you file in small claims court.
• has exception (model-proposed): A valid rejection removes arbitration for this and other open Amex accounts, except Corporate Cards and pending claims — A compliant rejection notice sent within 45 days of the first Card purchase makes the Arbitration provision, and other arbitration provisions on open American Express accounts, inapplicable to you.

Legal Rights & Agreement Rules · Restriction or exception

If arbitration is chosen: no court, jury, class or representative action, and a final decision with limited review

If any party chooses arbitration, neither you nor the issuer can litigate that claim in court or have a jury trial on it, and neither can participate in a representative capacity or as a class member for any claim subject to arbitration. Arbitration procedures are generally simpler than court rules, and discovery is more limited. The arbitrator's authority is limited to claims between you and the issuer alone, and claims may not be joined or consolidated unless both agree in writing. An award applies only to the specific case. The arbitrator's decisions are as enforceable as any court order and are subject to very limited review by a court, and except as set out in the appeal provisions the decision is final and binding. Other rights you or the issuer would have in court may also not be available. The Arbitration provision is governed by the FAA.

Supporting quotations

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.

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.

This Arbitration provision is governed by the FAA.

Qualifications & exceptions

• Applies to claims where any party chooses arbitration.
• "Except as set forth below" refers to the appeal right described later in the section.

Legal Rights & Agreement Rules · Procedure

Arbitration starts through JAMS or AAA after a claim notice; you have 30 days to pick the other if the issuer chooses

Before beginning arbitration, you or the issuer must first send a claim notice. Claims are referred to either JAMS or AAA, as selected by the party electing arbitration, and resolved under the Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with the Agreement. If the issuer chooses the organization, you may select the other within 30 days after receiving notice of the issuer's selection. Claims may also be referred to another arbitration organization if you and the issuer agree in writing, or to an arbitrator appointed under section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).

Supporting quotations

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).

Qualifications & exceptions

• The Agreement controls where the organization's rules conflict with it.

Not stated here

• The text of the cited Federal Arbitration Act provision and the JAMS and AAA rules is not supplied here, so what they provide is not stated.

Legal Rights & Agreement Rules · User right or choice

No issuer-elected arbitration of your individual small claims case; delay in enforcing arbitration is no waiver

The issuer 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 the issuer 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 you 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 those rights.

Supporting quotations

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.

Qualifications & exceptions

• The small claims promise covers only claims you file that are individual and pending only in small claims court.

Cross-references

• exception to (model-proposed): Either side may elect individual arbitration; the issuer will not elect it for your individual small claims case — The general right to elect arbitration is limited: the issuer will not elect arbitration of an individual claim you file in small claims court.

Legal Rights & Agreement Rules · Restriction or exception

Arbitrated claims are decided individually, with no class or representative claims for the public or others

If either party elects arbitration, that claim is 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.

Supporting quotations

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.

Legal Rights & Agreement Rules · Restriction or exception

If the Limitations on Arbitration are found invalid, the whole Arbitration provision stops applying

Notwithstanding any other provision and without waiving the right to appeal that decision, if any portion of the Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

Supporting quotations

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

• Triggered if any portion of the Limitations on Arbitration is deemed invalid or unenforceable.
• The sentence itself continues to apply.

Not stated here

• The text does not say who decides whether the Limitations on Arbitration are invalid.

Legal Rights & Agreement Rules · Context

The arbitrator applies substantive law and privileges, not court procedure or evidence rules, and may award court relief

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. Hearings take place, at your election, in the federal judicial district of your residence.

Supporting quotations

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.

At your election, arbitration hearings will take place in the federal judicial district of your residence.

Legal Rights & Agreement Rules · Restriction or exception

The arbitration and its outcome are confidential, though a government authority may be notified as the law permits

You and the issuer agree that the arbitration will be confidential. The text then says "we will not disclose the content of the arbitration proceeding or its outcome to anyone", but that you or the issuer may notify any government authority of the claim as permitted or required by law.

Supporting quotations

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 non-disclosure clause says "we will not disclose" in a sentence that begins "You and we agree"; the text does not make clear whether the duty not to disclose binds you as well as the issuer, beyond the agreement that the arbitration will be confidential.

Legal Rights & Agreement Rules · User right or choice

For claims of $10,000 or less you choose a documents-only, phone or in-person hearing

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.

Supporting quotations

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.

Qualifications & exceptions

• The choice of hearing format applies to claims of $10,000 or less.

Legal Rights & Agreement Rules · User right or choice

An arbitration award is final and binding, but either side can appeal 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 the section and to challenge or appeal an award under the FAA. To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the 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 organization's appellate rules. Judgment upon any award may be entered in any court having jurisdiction.

Supporting quotations

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.

Judgment upon any award may be entered in any court having jurisdiction.

Qualifications & exceptions

• The appeal must be started in writing within 35 days after the award.

Legal Rights & Agreement Rules · Company commitment

You pay arbitration fees only up to a court filing fee; the issuer pays the rest and may consider advancing your share

You are responsible for 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. The issuer is responsible for any additional arbitration fees. At your written request, the issuer 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.

Supporting quotations

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 something the issuer will "consider in good faith" at your written request.

Legal Rights & Agreement Rules · User right or choice

If the award beats the issuer's final offer it includes at least $5,000 plus reasonable attorneys' fees and costs

If the arbitrator rules in your favor for an amount greater than any final offer the issuer 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.

Supporting quotations

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.

Qualifications & exceptions

• Applies only if the award is greater than any final offer the issuer made before the final hearing.

Legal Rights & Agreement Rules · User right or choice

To reject arbitration, mail a signed written notice to the stated address within 45 days after your first Card purchase

You may reject the Arbitration provision by sending a written rejection notice to American Express, P.O. Box 981556, El Paso, TX 79998. A sample is at americanexpress.com/reject. 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.

Supporting quotations

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.

Qualifications & exceptions

• The deadline is 45 days after your first Card purchase.
• The notice needs your own signature; no one else may sign it.

Legal Rights & Agreement Rules · User right or choice

A valid rejection removes arbitration for this and other open Amex accounts, except Corporate Cards and pending claims

If your rejection notice complies with the requirements, 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 at the time you send the notice. Rejecting the Arbitration provision does not affect your other rights or responsibilities under the Claims Resolution section or the Agreement, and does not affect your ability to use your Card or any other benefit, product or service you may have with your account.

Supporting quotations

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

• Applies only if the rejection notice meets the stated requirements.
• Corporate Card accounts and claims already in pending litigation or arbitration are excluded.

Cross-references

• exception to (model-proposed): Either side may elect individual arbitration; the issuer will not elect it for your individual small claims case — A compliant rejection notice sent within 45 days of the first Card purchase makes the Arbitration provision, and other arbitration provisions on open American Express accounts, inapplicable to you.

Legal Rights & Agreement Rules · Restriction or exception

The Claims Resolution section survives account termination, payoff, collection suits, bankruptcy and sale of the account

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 will not invalidate the remaining portions.

Supporting quotations

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

• Invalidity of a portion does not void the rest, except that invalid Limitations on Arbitration void the Arbitration provision.