Membership Rewards Terms and Conditions — October 2026

American Express · Official agreement

161 cards.

Membership Rewards® Program Terms and Conditions

Please refer to the end of these Terms & Conditions for recent changes and additions to the Membership Rewards Program. These changes amend or supplement these Program Terms & Conditions.

Last Updated: October 2026

About these Terms and Conditions

Welcome to the Membership Rewards® Program (Rewards Program)! These Terms and Conditions are the agreement between you and the Rewards Program owner and operator, American Express Travel Related Services Company, Inc. These Terms and Conditions will help you understand how the Rewards Program works.

These Terms and Conditions relate only to the Rewards Program. For terms and conditions related to a specific product, please refer to the separate document(s) that you received upon enrollment.

We may make changes to the Rewards Program, and we may add to and/or change these Terms and Conditions at any time.

For example, we could:

If we cancel the Rewards Program, we’ll notify you at least 90 days in advance. You'll be able to earn or use points during that time, but we may change or cancel certain rewards.

As part of the Membership Rewards Program, American Express may use your information as described in our Privacy Policy: https://www.americanexpress.com/us/privacy-center/.

For additional information and frequently asked questions, please visit us online at https://www.americanexpress.com/us/mrfaqs.

For a summary of recent updates to the Rewards Program, including information about the availability of redemption options, please visit: URL www.americanexpress.com/mrupdates/.

Important Program Details

Eligibility and Enrollment: To participate in the Rewards Program and to have an account (a Rewards Account), you must have at least one eligible and enrolled product (a Product).

Please refer to the 'Compare Products' section of these Terms and Conditions for a list of Products, enrollment requirements and other important details. We may change Product eligibility at any time.

In these Terms and Conditions, when we say "Card" or "Card Account", we are referring to a credit or charge Card Product. When we say "Card Member", we are referring to a holder of a Card or Card Account, and not the owner of a Checking Account or holder of a Debit Card. We will separately refer to a Debit Card and Debit Card holders, which are linked to a Checking Account, throughout these Terms and Conditions, where applicable.

You're receiving this document because you're the primary Card Account holder (a Basic Card Member) or the primary account holder of another Product. Your Product is now enrolled in the Rewards Program. Additional Card Members on Consumer Card Accounts and Business Card Accounts will not have their own Rewards Accounts. Additional Card Members or Additional Business Card Members are those who have Cards tied to your Card Account.

Rewards Account Linking and Redemption Options: If you have multiple Products, we may automatically link them to the same Rewards Account. Your ability to use points may differ based on your Product and/ or the Products linked to the Rewards Account.

If you would like to link or delink any of the Products to the same Rewards Account, you may call us at the number listed on the back of your Card to do so.

The ways you can use points may vary depending on the Product(s) linked to your Rewards Account. Most Card Products will provide access to all available redemption options. However, if you only have a Legacy Card Product linked to your Rewards Account, availability of redemption options will be limited as more particularly described in the section titled 'Program Terms & Conditions for Card Members' (see the 'Compare Products' section for a list of 'Legacy Cards').

Alternatively, if you do not have any Card Account linked to your Rewards Account, and you only have a Checking Account linked to your Rewards Account, available redemption options are also limited as described further in the sections titled 'Program Terms & Conditions for Checking Accounts'. Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.

You agree that:

1New York Card Members can continue to use points in these scenarios for 90 days by calling the number on the back of their Card. "New York Card Member" means a Card Member with a New York billing address on a linked Card Account.

Program Terms and Conditions for Card Members

If you have a Card Account, this section, 'Program Terms and Conditions for Card Members' applies to you. If you also have a Checking Account, please make sure you read this section as well as ‘Program Terms and Conditions for Checking Accounts’.

Earn Points

Conditions for earning points: Card Members will earn one point for every dollar of spend on an eligible purchase using an enrolled Card.

An eligible purchase is a purchase made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include:

This list of eligible purchases and exclusions is determined by American Express in its' sole discretion and is subject to change at any time, without notice. We may remove points from your Rewards Account if we determine that those points were earned on ineligible purchases. You earn points for eligible purchases only if we receive timely payment of the minimum amount due on your Card Account billing statement. If your Card Account is a Consumer Card Account or a Business Card Account, you must pay the amount due on your billing statement so that we receive your payment by the Payment Due Date shown on that billing statement. If your Card Account is a Corporate Card account, you must pay the amount due on your Card Account statement so that we receive your payment by the Closing Date of the next billing period.

If you don't make a timely payment of the minimum amount due on your Card Account, any points accrued from that Card Account during the period covered by the billing statement will not be earned and will not post to your Rewards Account. You can eventually earn these points, but first you must pay the amounts due on your Card Account or Accounts. After you pay the amounts due on your Card Account, you must request those points from us and pay a $35 fee for each billing period, and each Card Account, for which you requested the points. You must request the points within 12 months after the billing period in which you didn't earn them.

Conditions for earning additional points: Check the 'Compare Products' section of these Terms and Conditions to see if your Card earns additional points for certain purchases. You can check your online account to see which of your recent purchases earned additional points.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible to earn additional points. A purchase with a merchant will not earn additional points if the merchant's code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when:

For frequently asked questions about how merchants are categorized or whether purchases made with third parties are eligible for additional rewards, please visit americanexpress.com/en-us/benefits/rewards/rewards-information/.

For questions about additional points on a purchase, call the number on the back of your Card. Please visit membershiprewards.com/pointsinfo for more information about rewards.

When you return a reward: When you return a reward you got with points, you'll either get the points back in your Rewards Account or get a credit on your Card Account. If you get a credit, you may be able to change it back into points. Ask us at 1-800-AXP-EARN (297-3276).

Use Points

Transfer points to partner loyalty programs1

: You may be able to transfer points to participating partner loyalty programs, like those offered by airlines and hotels. You must link your Rewards Account with your partner loyalty program account before you can transfer points. In order to link your accounts, the partner loyalty program account must be in your name or the name of an Additional Card Member on your Card Account. An Additional Card must be issued to the Additional Card Member at least 90 days prior to linking your program account to that Additional Card Member's partner loyalty account. Additional terms may apply when transferring points to partner loyalty programs. To learn more, please visit: https://global.americanexpress.com/rewards/transfer.

Once you transfer points, the transfer cannot be reversed and the partner loyalty program's terms and conditions apply. We have no control over these programs, and you are responsible for understanding all guidelines and restrictions before transferring points. The rate at which points are transferred to participating partner loyalty programs varies by partner. To learn more, please visit membershiprewards.com/pointsinfo.

You'll pay an excise tax offset fee ($0.0006 per point, up to $99) for points transferred to a U.S. airline frequent flyer program. This fee offsets the federal excise tax we must pay when you transfer points. It may be more or less than the actual amount of the excise tax we pay on any individual transfer.

If you book a flight using frequent flyer miles, it won't be charged to your Card Account. This means you won't receive insurance and other benefits that may apply when you charge a flight to your Card Account.

If an airline loyalty program stops participating in the Rewards Program, we may limit the number of points you can transfer to that loyalty program before its participation ends. This limit will be at least 100,000 points.

1If the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Useful Tips:

Use Pay with Points: You can use Pay with Points at checkout towards purchases with your Card at participating brands, or through American Express Travel. However, if the only Card Product linked to your Rewards Account is a Legacy Card, Use Pay with Points is available only for American Express Travel and not with other participating brands. Additional terms may apply when using Pay with Points with participating brands. To learn more, please visit: https://global.americanexpress.com/rewards/pay-with-points.

When you Use Pay with Points we will:

If the points you used don’t cover the full cost of the purchase, the difference will remain charged to your Card Account.

For example: If you spend $500 and use points to cover $300, we’ll:

Use of the Pay with Points redemption option requires a charge to your Card Account and is subject to the terms of your Card Member Agreement, including applicable credit limits and other restrictions. If you are unable to make a purchase on your Card Account for any reason, you will not be able to Use Pay with Points. The credit to your Card Account may appear during a different billing cycle than the charge for the purchase. Even if you expect a credit on a future billing statement, you must pay the minimum amount due on each billing statement by the due date. Once you Use Pay with Points, the redemption cannot be reversed and the brand’s Terms and Conditions apply. If any portion of a purchase towards which you used Pay with Points is refunded, you’ll receive a statement credit in the amount of the refund on the Card Account. Please call the number on the back of your Card if you wish to have points reinstated instead. If you no longer want the option to Use Pay with Points with a participating third-party brand, please call the number on the back of your Card.

Use Pay with Points at Amazon.com1

: In addition to these Terms and Conditions, the terms and conditions for AmazonAmazon.com's 'Shop With Points' Program apply to the use of Pay with Points on eligible purchases made with points on Amazon.com.

How it works:

All returns are subject to Amazon.com's policies and must be authorized by Amazon.com before we can credit your Card Account or return any points to your Rewards Account.

Use points for taxi fares1

: You can use points for fares (including tips) in certain taxis in New York City. When you do, we will charge and credit your Card. We also will deduct points from your Rewards Account, as described above for Pay with Points - except that the points you use must cover the full amount of the fare plus tip.

The points required may vary for future rides. If you don't want to see this Use Points for taxi fares option when using your Card in a participating taxi, please call the number on the back of your Card.

1If the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Use points for gift cards: You can use points to get gift cards from a variety of merchants. Or you can get American Express Gift Cards to use anywhere American Express is accepted. However, if the only Card Product linked to your Rewards Account is a Legacy Card, you can only use points towards American Express Gift Cards and you cannot use points towards merchant gift cards.

Before using points to get gift cards, you need to know:

1If the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Useful Tips:

Use points to Cover your Card Charges: With Cover your Card Charges, Basic Card Members can use points towards eligible charges. Account Managers and Rewards Managers on a Card Account may also be able to use points towards eligible charges. Corporate Card Members are not eligible for Cover your Card Charges.

Generally, an eligible charge is one that:

The list of eligible charges can change from time to time without notice. We reserve the right to exclude any charge from eligibility for Cover your Card Charges.

You may use points towards the entire amount of an eligible charge.

The corresponding statement credit will appear on your Card Account within 48 hours, but we may deduct points from your Rewards Account immediately.

If we process the statement credit after your Card Account closing date, it will appear on your next statement. If this happens, you must still pay the minimum amount due on your current Card Account statement by the due date. If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount.

Use Points for Statement Credit: Basic Card Members can use points for a statement credit. Corporate Card Members are not eligible to use points for a statement credit.

How it works:

You must redeem points worth at least $1 to Use Points for a Statement Credit.

Program Terms and Conditions for Checking Accounts

If you have an American Express Rewards Checking Account (“Rewards Checking”) or an American Express Business Checking Account (“Business Checking”) (each, a “Checking Account”), this section, 'Program Terms & Conditions for Checking Accounts' applies to you. If you also have a Card, please make sure you read this section as well as 'Program Terms & Conditions for Card Members'.

Rewards Checking account owners can add an additional (second named) account owner to their Rewards Checking account. Second named Rewards Checking account owners will earn points in the same manner as a first named account owner, but all points will be accrued into the first named account owner's Rewards Account. Please see the 'Earn Points' section in 'Program Terms & Conditions for Checking Accounts' section for additional information.

Only first named account owners can redeem points. Second named account owners are not eligible to redeem. For terms and conditions related to your Checking Account Product, please refer to the separate document that you received upon enrollment.

Business Checking account owners can add an Admin user to their Business Checking account. Business Checking account owners will earn points on eligible Business Debit Card purchases made by Admin users. All points earned on eligible purchases made by Admin users will be credited to the account owner’s Rewards Account. Please see the ‘Earn Points’ section in ‘Program Terms & Conditions for Checking Accounts’ section for additional information.

Only Business Checking account owners can redeem points. Admin users are not eligible to redeem. For terms and conditions related to your Checking Account Product, please refer to the separate document that you received upon enrollment.

Earn Points: You’ll earn one point for every two dollars you spend on an eligible purchase using the Debit Card generally within 2-4 days after your transaction has posted. You will not earn points on any other Checking transaction.

An eligible purchase is any purchase made on your Debit Card for goods and services minus returns and other credits. Eligible purchases do NOT include:

The list of eligible purchases and exclusions is determined by American Express in its’ sole discretion and is subject to change at any time, without notice.

Use Points: If you have a Card Account linked to your Rewards Account, you will be able to redeem points the same way you always have. See 'Use Points' section under 'Program Terms and Conditions for Card Members'.

If you do not have a Card Account linked to your Rewards Account, and you only have a Checking Account linked to your Rewards Account, your use of points is limited to Redeem for Deposits or to transferring points to a limited selection of participating partner loyalty programs, like those offered by airlines and hotels. We may continue to update the different ways you may use points.

For more information on linking or delinking your Products, please refer to the 'Rewards Account Linking' section found in the 'Important Program Details' section above.

Use Redeem for Deposits for a deposit into your Checking Account: First named account holders can redeem points for a deposit into their Checking Account. Second named or View-Only Users on Checking Accounts or Account Managers and Rewards Managers on Card Accounts are not eligible to initiate redemptions for deposits.

To use points for a deposit, your Checking Account must not be in restricted status or cancelled. Your linked Card Accounts must not be past due or have a returned payment outstanding.

How it works:

All redemptions are final and cannot be reversed. There is no minimum number of points needed to use Redeem for Deposits. If you have both a Business Platinum Card and a Business Checking account linked to the same Rewards Account, you can redeem up to 1 million points per calendar year at the Business Platinum Rate (1,000 points for $10 in deposits) and an unlimited number of points at the standard rate (1,000 points for $8 in deposits) thereafter.

Refer to the rate information below for more details:

  • American Express Business Checking Account with a linked Business Platinum Card = 1,000 points for a $10 deposit up to the first 1,000,000 points per calendar year, then 1,000 points for an $8 deposit.
  • American Express Business Checking Account or Rewards Checking Account (including Checking Accounts linked to other Cards) = 1,000 points for an $8 Deposit

Transfer points to partner loyalty programs: If you have a Rewards Checking account or a Business Checking account, you will be able to transfer points to a limited selection of participating partner loyalty programs, like those offered by airlines and hotels. You must link your accounts before you can transfer points. In order to link your accounts, the name on the partner loyalty program account must match the name on your checking account. Once you transfer points, the partner loyalty program's terms and conditions apply. Since we have no control over these programs, you’re responsible for understanding all guidelines and restrictions before transferring points.

You'll be charged an excise tax offset fee ($0.0006 per point, up to $99) for points transferred to a U.S. airline frequent flyer program. This fee offsets the federal excise tax we must pay when you transfer points. It may be more or less than the actual amount of the excise tax we pay on any individual transfer. At this time, you must cover this fee using Membership Rewards points at the time of the points transfer.

If you book a flight using frequent flyer miles, it won't be charged to your Debit Card or Business Debit Card. If an airline loyalty program stops participating in the Rewards Program, we may limit the number of points you can transfer to that loyalty program before its participation ends. This limit will be at least 100,000 points.

Useful Tips:

Lose Points

This section of the Terms and Conditions applies to all Products enrolled in the Rewards Program (including without limitation Card Accounts and Checking Accounts). Sections applicable to you may vary depending on the Products you have.

When you return a purchase: When you return a purchase that you paid for with your enrolled Product, the statement credit you'll receive will cause a corresponding deduction of the points you earned from your Rewards Account.

When points are awarded on an ineligible purchase: If we determine that points were awarded on an ineligible purchase, we may remove those points from your Rewards Account even if it results in a negative points balance.

When we cancel your Product: If we cancel any of your Products for any reason (including your death, insolvency or bankruptcy), you'll lose all the points in your Rewards Account2 .

However:

When you cancel or unenroll your Product: What happens to the points in your Rewards Account when you cancel or unenroll your Product from the Membership Rewards program depends on whether you keep another Product linked to your Rewards Account. You will immediately lose all of the points in your Rewards Account if you cancel or unenroll your last linked Product 2. However, if your last linked Product is a Corporate Card, you may be able to redeem points for up to 30 days after cancellation or unenrollment.

When you engage in, or attempt to engage in fraud, abuse, misuse or game the Membership Rewards program: Notwithstanding anything to the contrary set forth in these terms, if we determine in our sole judgment that you engaged in fraud, abuse, misuse or gaming in connection with earning or using points or that you may attempt to do so (including, for example and without limitation, manufacturing spend or otherwise generating point earn on ineligible purchases), we may:

The Rewards Program is intended to benefit individuals, whether they have a Product on their own or through their employer. Business and Corporate customers may choose to use points for personal or business reasons, but they can't be directed or required to use them for business. It is also considered fraudulent or abusive for Corporate Card Members to use one Card Account or Rewards Account to accumulate points for company use.

If you feel points were removed in error, please call the number on the back of your Card.

When you are ineligible to use points on your Corporate Card: If your Corporate Card is the only Card linked to your Rewards Account, and we suspend your ability to make charges with your Card for any reason (including bankruptcy or insolvency of your employer), we'll also suspend your ability to use the points in your Rewards Account2. You can use the points when your ability to make charges with your Card is no longer suspended.

2New York Card Members can continue to use points in this scenario for 90 days by calling the number on the back of their Card. "New York Card Member" means a Card Member with a New York billing address on a linked Card Account.

Negative Points Balance: If you have a negative balance in your Rewards Account, any points you subsequently get will be applied first to reduce the negative balance. You will not be able to use points until your balance becomes positive. The balance in your Rewards Account can be negative if, for example:

Arbitration

Claims Resolution: Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision.

For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions or any prior program agreement, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to:

Sending a Claim Notice: 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. Go to americanexpress.com/claim for a sample claim notice. 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 St NY, NY 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.

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

Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA") (1-800-778-7879, adr.org) for mediation. We will pay the fees of the mediator.

All mediation-related communications are confidential, inadmissible in court and not subject to discovery. All applicable statutes of limitation will be tolled from the date you or we send the claim notice until termination of the mediation. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.

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

If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration.

Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. 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.

Initiating Arbitration: 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 these Terms & Conditions. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. 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. §§ 1-16 (FAA). 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.

Limitations on Arbitration: If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated.

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

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. 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.

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.

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

Arbitration Fees and Costs: 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.

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:

Continuation: This section will survive termination of the program or your participation in it. 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.

Claims Resolution for Military Lending Act (MLA) Covered Borrowers: Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through litigation, non-binding mediation or, at your election, arbitration. You are not required to resolve any claims by mediation and arbitration. For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions, or any prior program agreement, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to:

  • Initial claims, counterclaims, cross-claims and third-party claims;
  • Claims based upon contract, tort, fraud, statute, regulation, common law and equity;
  • Claims by or against any third party using or providing any product or service in connection with the program; and
  • Claims that arise from or relate to (a) the program account or any point balances on the program account, (b) advertisements, promotions or statements related to the program or any reward, and (c) the redemption for and use of any reward. You may not sell, assign or transfer a claim.

Sending a Claim Notice: Before beginning a lawsuit, arbitration or non-binding mediation, you may send a written notice (a claim notice) to

us. Go to americanexpress.com/claim for a sample claim notice. The claim notice should describe the claim and state the specific relief demanded. We may also request that we resolve a claim by mediation or arbitration, but you are not required to accept our request.

We may include our request with your billing statement or mail it to your home address. Notice to us should include your name, address and Account number and be sent to:

American Express ADR c/o CT Corporation System, 28 Liberty St NY, NY 10005

If the claim proceeds to litigation, mediation or arbitration, the amount of any relief demanded in a claim notice will not be disclosed. You are not required to resolve your claim through mediation or arbitration. You may decline our request to resolve a claim through mediation or arbitration. You may elect to resolve your claim through litigation.

Mediation: If you elect to resolve your claim through mediation, a neutral mediator will help resolve the claim. The mediator does not decide the claim but helps parties reach agreement. Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA") (1-800-778-7879, adr.org) for mediation. We will pay the fees of the mediator. All mediation- related communications are confidential, inadmissible in court and not subject to discovery. All applicable statutes of limitation will be tolled 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 litigation or arbitration. The outcome of mediation proceedings is non-binding. You may proceed to litigation or arbitration regardless of the outcome of mediation.

Arbitration: You may elect, but are not required, to resolve any claim by individual arbitration. We may also request to resolve any claim by individual arbitration, but you are not required to accept our request. Claims are decided by a neutral arbitrator.

If you elect or agree to resolve a claim through arbitration, your or our right to litigate that claim in court or have a jury trial on that claim may be limited. Further, you and we may 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 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.

Initiating Arbitration: If you and we agree to proceed to arbitration, 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 these Terms & Conditions. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. 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). We will not request arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You 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.

Limitation on Arbitration: If the parties agree to resolve a claim by arbitration, that claim will be arbitrated on an individual basis pursuant to that agreement, and the agreement would not allow 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. The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration provisions is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

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 provisions, the arbitrator may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority of your claim.

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. The arbitrator's award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint a three arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

Arbitration Fees and Costs: 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.

Additional Arbitration Awards: If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator's 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.

Continuation: This section will survive termination of the program or your participation in it. 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.

Questions?

If you have any questions about anything in these Terms and Conditions, call us at 1-800-AXP-EARN (1-800-297-3276).

Compare Products

The table below shows the American Express Products that are eligible to participate in the Rewards Program. Card Products must be issued by American Express or one of its affiliates in the U.S. and be billed in U.S. dollars. It also summarizes some of the Rewards Program differences between the Products. Certain Products may have annual Rewards Program enrollment fees charged each year on the anniversary of the date you’re enrolled in the Rewards Program (i.e., the day your enrollment completes processing) as described in the chart below, which will continue until you unenroll from the Rewards Program by calling the number on the back of your Card. Also, some Products will earn additional points on certain purchases, while others won't. The value of the points you earn depends on which Product you have. Visit membershiprewards.com/pointsinfo to see the value of points by Product.

For additional information, you can browse and compare available Membership Rewards Products by visiting americanexpress.com/us/credit-cards/category/reward-points.

Consumer Cards

| Product Name | Automatically Enrolled? | Annual Enrollment Fee (1) | Additional points on some purchases |

| Amex EveryDay® Credit Card | Yes | None | 1 additional point (for a total of 2 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). 20% extra points - make 20 or more separate purchases of goods or services in a billing period and earn 20% extra points on those purchases (less returns and credits). A transaction where you buy multiple items counts as one purchase. Purchases do not include cash advances, balance transfers, purchases of travelers cheques, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Does not apply to limited time promotions and offers (such as a Welcome Bonus). Returns and credits do not reduce your purchase count but will reduce the number of points and extra points earned. (Example: Suppose in a billing period you make 20 purchases totaling $500 and you return a $200 item that you purchased in the same or a prior billing period. The return does not reduce your purchase count but it does reduce the points on those purchases from 500 to 300. So, you would earn 20% extra points on the 300 points.) To count purchases, we use the purchase date. In rare instances, a purchase may not post to your account for several billing periods. If a purchase posts to your account more than 4 billing periods after the purchase date, we will count it in the billing period in which it posts. Some merchants combine separate charges into a single transaction. When this happens, the combined charges will count as a single purchase for the purpose of counting purchases. The purchase date may not be the date you made a transaction - for example, if you buy goods online, the purchase date may be the date the goods are shipped. The 20% extra points are typically awarded 6 to 8 weeks after the billing period in which you make the 20 or more eligible purchases. |

| Product Name | Automatically Enrolled? | Annual Enrollment Fee (1) | Additional points on some purchases |

| Amex EveryDay® Preferred Credit Card | Yes | None | 2 additional points (for a total of 3 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). 1 additional point (for a total of 2 points) on gasoline at gas stations in the U.S. (not including superstores, supermarkets or warehouse clubs that sell gasoline). 50% extra points - make 30 or more separate purchases of goods or services in a billing period and earn 50% extra points on those purchases (less returns and credits). A transaction where you buy multiple items counts as one purchase. Purchases do not include cash advances, balance transfers, purchases of travelers cheques, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Does not apply to limited time promotions and offers (such as a Welcome Bonus). Returns and credits do not reduce your purchase count but will reduce the number of points and extra points earned. (Example: Suppose in a billing period you make 30 purchases totaling $500 and you return a $200 item that you purchased in the same or a prior billing period. The return does not reduce your purchase count but it does reduce the points on those purchases from 500 to 300. So, you would earn 50% extra points on the 300 points.) To count purchases, we use the purchase date. In rare instances, a purchase may not post to your account for several billing periods. If a purchase posts to your account more than 4 billing periods after the purchase date, we will count it in the billing period in which it posts. Some merchants combine separate charges into a single transaction. When this happens, the combined charges will count as a single purchase for the purpose of counting purchases. The purchase date may not be the date you made a transaction - for example, if you buy goods online, the purchase date may be the date the goods are shipped. The 50% extra points are typically awarded 6 to 8 weeks after the billing period in which you make the 30 or more eligible purchases. |

| American Express Green Card® | Yes | None | 2 additional points (for a total of 3 points) for each dollar charged on eligible travel purchases including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals, travel purchases on third party travel websites, and travel purchases on amextravel.com or the Amex Travel App™. You will not earn additional points for purchases of timeshare properties. 2 additional points (for a total of 3 points) for each dollar charged on eligible transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. 2 additional points (for a total of 3 points) for each dollar charged at restaurants. You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue) or for purchases made through third-party food delivery services outside of the U.S. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You also will NOT earn additional points for purchases at bars, nightclubs, cafeterias, and convenience stores. |

| American Express® Senior Green Card | No | $40 | No |

| American Express® Traditional Green Card | No | $40 | No |

| Centurion® Card | Yes | None | For details about earning additional points on purchases, call the number on the back of your Card. |

| Product Name | Automatically Enrolled? | Annual Enrollment Fee (1) | Additional points on some purchases |

| American Express Classic Gold Card | Yes | None | 1 additional point (for a total of 2 points) for airfares on scheduled flights charged directly with passenger airlines - charter flights and private jet flights excluded. 1 additional point (for a total of 2 points) at restaurants in the U.S. |

| Senior Gold Card from American Express | No | $40 | No |

| American Express Green Card® from International Dollar Card | No | $40 | No |

| The Centurion® Card International Dollar Card | Yes | None | For details about earning additional points on purchases, call the number on the back of your Card. |

| The Platinum Card® International Dollar Card | Yes | None | 1 additional point (for a total of 2 points) at restaurants in the U.S. |

| American Express® Gold Card International Dollar Card | Yes | None | No |

| The Gold Card International Dollar Card | No | $40 | No |

| Morgan Stanley Credit Card from American Express | Yes | None | 1 additional point (for a total of 2 points) for airfares on scheduled flights charged directly with passenger airlines - charter flights and private jet flights excluded. 1 additional point (for a total of 2 points) at restaurants in the U.S. 1 additional point (for a total of 2 points) at select department stores in the U.S. listed at americanexpress.com/rewards-info. 1 additional point (for a total of 2 points) on car rentals directly from select car rental companies listed at americanexpress.com/rewards-info. |

| Platinum Card® from American Express | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

| The Platinum Card® from American Express Exclusively for Charles Schwab | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

| The Platinum Card® from American Express for Goldman Sachs | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

| The Platinum Card® from American Express Exclusively for Morgan Stanley | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

| Product Name | Automatically Enrolled? | Annual Enrollment Fee (1) | Additional points on some purchases |

| American Express® Gold Card | Yes | None | 4 additional points (for a total of 5 points) for prepaid hotel reservations booked through AmexTravel.com or the Amex Travel App™. 3 additional points (for a total of 4 points) on the first $50,000 of eligible purchases in a calendar year at restaurants worldwide. 3 additional points (for a total of 4 points) on the first $25,000 of eligible purchases in a calendar year at U.S. supermarkets. Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets. 2 additional points (for a total of 3 points) for airfares on scheduled flights charged directly with passenger airlines, or through AmexTravel.com or the Amex Travel App™. 1 additional point (for a total of 2 points) for prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked through AmexTravel.com. |

| Traditional Gold Card from American Express | No | $40 | No |

| Notes 1. If you pay an annual enrollment fee for the Rewards Program, we'll bill your Card Account for the fee on the anniversary of your enrollment date (the day we finish processing your enrollment) until you unenroll in the Rewards Program by calling the number on the back of your Card. |

Business Cards

| Product Name | Automatically Enrolled? (2) | Annual Enrollment Fee (1) | Additional points on some purchases |

| Blue Business® Plus Credit Card | Yes | None | 1 additional point (for a total of 2 points) on the first $50,000 of eligible purchases in a calendar year. |

| Business Centurion® Card | Yes | None | For details about earning additional points on purchases, call the number on the back of your Card. |

| Business Gold Rewards Card | Yes | None | From the five categories below, choose 2 additional points (for a total of 3 points) in one category and get 1 additional point (for a total of 2 points) in the other categories. You will get additional points for only the first $100,000 of eligible purchases in each category in a calendar year. 1. Airfares for scheduled flights charged directly with passenger airlines - charter flights and private jet flights excluded. 2. Advertising purchased in the U.S. to promote your business online, on television, or on the radio. 3. Gasoline at gas stations in the U.S. (not including superstores, supermarkets or warehouse clubs that sell gasoline). 4. Shipping services purchased in the U.S. for courier, postal, and freight. 5. Computer hardware, software, and cloud computing purchases in the U.S. made directly from providers listed at americanexpress.com/rewards-info. Choose your preferred category for getting 2 additional points in the first 2 months of becoming a Card Member. If you don't choose, you'll get 2 additional points on the airfares category. You can change your choice once a year, between December 1 and January 31. To change, call the number on the back of your Card. |

| Product Name | Automatically Enrolled? (2) | Annual Enrollment Fee (1) | Additional points on some purchases |

| Business Gold Card | Yes | None | 3 additional points per dollar (for a total of 4 points) for eligible purchases in the 2 categories below where the Card Account had the most eligible purchases each billing period, up to the first $150,000 in combined eligible purchases from these 6 categories each calendar year across the Card Account. Eligible purchases in excess of $150,000 in a calendar year from these categories across the Card Account will receive only one point per dollar spent. Determining the Top 2 Categories: To calculate the top 2 categories each billing period, we use the posted transactions from the Card Account that fall into the 6 categories below and issue additional points based on the 2 categories with the most eligible purchases in that billing period. Basic Card Members will only earn 3 additional points in 2 categories each billing period even if the Card Account has equal eligible purchases in more than 2 categories. The categories that qualify for additional points are: 1. Purchases of online, television, and radio advertising made from media providers located in the U.S. to promote a business; 2. Purchases from electronic goods retailers or software and cloud system providers in the U.S.; 3. Restaurants in the U.S., including takeout and delivery; 4. Gasoline at gas stations in the U.S. (not including superstores, supermarkets and warehouse clubs that sell gasoline); 5. Transit purchases including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways; 6. Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. 2 additional points (for a total of 3 points) for flights booked on amextravel.com or the Amex Travel App™, and prepaid hotels booked on amextravel.com, the Amex Travel App™ or over the phone with American Express Travel consultants. |

| Some Business Green Cards | No | $40 | No |

| Business Green Rewards Card | Yes | None | No |

| Business Membership Rewards® Card | Yes | None | No |

| Business Platinum Card® | Yes | None | 1 additional point (for a total of 2 points) for each dollar on up to two million ($2,000,000) of eligible purchases on your Card Account per calendar year, made in any of the following categories: 1. U.S. construction material and hardware suppliers, 2. U.S. electronic goods retailers and software & cloud system providers, 3. U.S. shipping providers, or 4. Eligible purchases of $5,000 or more. Purchases eligible for multiple categories will only receive 2X points for one category. 4 additional points (for a total of 5 points) for flights booked on amextravel.com or the Amex Travel App™ and prepaid hotel purchases booked on amextravel.com, the Amex Travel App™ or over the phone with American Express Travel consultants. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. |

| Product Name | Automatically Enrolled? (2) | Annual Enrollment Fee (1) | Additional points on some purchases |

| Business Purchase Account | No | $40 | No |

| Executive Business Card | No | $40 | No |

| Small Business CardSM | No | $40 | No |

| Notes 1. If you pay an annual enrollment fee for the Rewards Program, we'll bill your Card Account for the fee on the anniversary of your enrollment date (the date we finish processing your enrollment) until you unenroll in the Rewards Program by calling the number on the back of your Card. 2. If you already have a Card enrolled in the Rewards Program when you enroll a Business Card, we may automatically link the Business Card to your existing Rewards Account. |

Corporate Cards

Your company determines if your Corporate Card is eligible to participate in the Rewards Program and can change participation at any time.

| Corporate Cards | Automatically Enrolled? (2), (3), (4) | Annual Program Fee (1) | Additional points on some purchases |

| American Express® Corporate Green Card | No | $55 | No |

| American Express® Corporate Gold Card | Maybe | None | No |

| American Express Corporate Platinum Card® | Maybe | None | No |

| Corporate Centurion® Card from American Express | Maybe | None | For details about earning additional points on purchases, call the number on the back of your Card. |

| Global Dollar Card – American Express® Corporate Card | No | $55 | No |

| Global Dollar Card – American Express® Corporate Executive Gold Card | Yes | None | No |

| Global Dollar Card – American Express® Corporate Platinum Card | Yes | None | No |

| Notes 1. If you pay an annual program fee for the Rewards Program, we'll bill your Card Account for the fee on the anniversary of your enrollment date (the day we finish processing your enrollment) until you unenroll in the Rewards Program by calling the number on the back of your card. 2. You can only enroll in the Rewards Program if your Corporate Card is issued in your own name. 3. Corporate Cards from the same company can't be linked to the same Rewards Account. 4. You may not enroll if your company blocks Corporate Card enrollment in the Rewards Program. |

Legacy Cards (Consumer Cards)

| Product Name (1) | Automatically Enrolled? | Annual Enrollment Fee | Additional points on some purchases |

| Blue from American Express® Cards (applicable for certain Blue cards) | Yes | None | No |

| Optima® Platinum Card® | Yes | None | No |

| ZYNC® Card | Yes | None | No |

| Notes 1. Legacy Card names can look similar to the names of other Cards that are not Legacy Cards and have access to all redemption options. You can find the complete name of your Card printed on the top of your billing statement. |

Legacy Cards (Business Cards)

| Product Name (1) | Automatically Enrolled? | Annual Enrollment Fee | Additional points on some purchases |

| Business Management Account | No | None | No |

| Platinum Business Credit Card® (not the “Business Platinum Card®”) | No | None | No |

| Blue for Business® Credit Card | Contact us to find out | None | No |

| Notes 1. Legacy Card names can look similar to the names of other Cards that are not Legacy Cards and have access to all redemption options. You can find the complete name of your Card printed on the top of your billing statement. |

Checking Accounts

| Product Name | Automatically Enrolled? | Annual Program Fee | Additional points on some purchases |

| American Express Rewards Checking Account | Yes | No | No |

| American Express Business Checking Account | Yes | No | No |

Detail of Changes to the Membership Rewards Program Terms & Conditions

This notice supplements the Program Terms & Conditions as described below. Any terms and conditions in the Program Terms & Conditions conflicting with these changes are completely replaced. Terms and conditions not changed by this notice continue to apply. If you have any questions, please call the number on the back of your Card.

Effective immediately, the Program Terms and Conditions under the ‘Rewards Account Linking and Redemption Options’ section have been updated to the following:

Each Product enrolled in the Rewards Program is linked to a Rewards Account. When you open a new Product, a new Rewards Account will be created and linked to that Product.

If you have multiple Products with separate Rewards Accounts, you may choose to link some or all of your Products to the same Rewards Account. Once your Products are linked to the same Rewards Account, points earned on each linked Product will be consolidated into a single points balance.

You can link your Products to the same Rewards Account by connecting your Rewards Accounts online or in the Amex App by logging in and navigating to the ‘Manage Connections’ option. Additional terms and conditions may apply when connecting your Rewards Accounts online.

You can also add or remove Products from a Rewards Account at any time by calling the number on the back of your Card.

The ways you can use points, including available redemption options and points values, may vary depending on the Product(s) linked to your Rewards Account. Most Card Products will provide access to all available redemption options. However, if you only have a Legacy Card Product linked to your Rewards Account, availability of redemption options will be limited as more particularly described in the section titled ‘Program Terms & Conditions for Card Members’ (see the ‘Compare Products’ section for a list of ‘Legacy Cards’).

Alternatively, if you do not have a Card Account linked to your Rewards Account, and you only have a Checking Account linked to your Rewards Account, available redemption options are also limited as described further in the section titled ‘Program Terms & Conditions for Checking Accounts’. Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.