Hilton Honors American Express Card Agreement

Account & Service Control · Procedure

Points questions go to the number on the Card; rewards information is on americanexpress.com

For questions about additional Points on a purchase, the Card Member calls the number on the back of the Card. The agreement also points to americanexpress.com/rewards-info for more information about rewards, and to a separate link (go.amex/x9d3mn) for detailed information about Card benefits.

Supporting quotations

For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

Additional Details: For detailed information about Card benefits please visit go.amex/x9d3mn.

Qualifications & exceptions

• The linked pages are not part of the supplied text.

Not stated here

• Card benefits other than Points are not described in this agreement; the linked pages were not supplied.

Account & Service Control · User right or choice

Points balance can be viewed in the online account summary page

The Card Member can view the Points balance by logging onto the online account at americanexpress.com and viewing the account summary page.

Supporting quotations

You can view your Points balance by logging onto your online account at americanexpress.com and viewing your account summary page.

Account & Service Control · Restriction or exception

Each Basic Card Member needs a unique Hilton Honors account, or American Express may cancel the Card Account

Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel the Card Account if the Card Member does not maintain an active Hilton Honors loyalty account. The agreement refers to the Card Member as the Basic or Primary Card Member.

Supporting quotations

Each Basic Card Member must have a unique Hilton Honors loyalty account. American Express may cancel your Card Account if you do not maintain an active Hilton Honors loyalty account.

We will refer to you as either the Basic or Primary Card Member.

Qualifications & exceptions

• Cancellation is at American Express's option ("may cancel").

Not stated here

• The text does not say what counts as an "active" Hilton Honors loyalty account or whether notice is given before cancellation.

Account & Service Control · User right or choice

Using the Account, or signing or keeping the Card, means agreeing; the Card can be cancelled without fees before use

Part 2 says it 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 the Agreement. When the Card Member uses the Account, or signs or keeps the Card, the Card Member agrees to the terms of the Agreement. If the Card Member has not yet used the Account or made a payment on the Account after receiving a billing statement, the Card Member can cancel the Card without obligation to pay any fees.

Supporting quotations

This document together with Part 1 and Part 3 make up the Card Member Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.

When you use the Account (or you sign or keep the Card), you agree to the terms of the Agreement.

If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.

Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement.

Qualifications & exceptions

• Agreement to the terms follows from use, signing or keeping the Card.
• The right to cancel without fees is available only before the Account has been used or a payment made after receiving a statement.

Not stated here

• The wording "have not yet used the Account or made a payment" does not say whether both conditions must be met; the text does not resolve this.
• No deadline for cancelling the Card is stated.

Account & Service Control · Permission or license

The Card can be used for charges; plans, cash advances and balance transfers are at American Express's discretion

The Card Member may use the Card to make charges. At its discretion, American Express may permit the Card Member to create plans, make cash advances or make balance transfers. Balances cannot be transferred from any other account issued by American Express 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

• Plans, cash advances and balance transfers are available only if American Express permits them, at its discretion.
• Balance transfers from accounts issued by American Express or its affiliates are not allowed.

Not stated here

• The text does not say whether or when balance transfers are offered on this Card; the Rates and Fees Table lists no balance transfer APR.

Account & Service Control · Restriction or exception

The Card Member agrees to use the Card for personal, family or household purposes only

The Card Member agrees 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.

Qualifications & exceptions

• The restriction applies to use of the Card generally, not only to Points.

Not stated here

• The text does not say what American Express may do if the Card is used for other purposes.

Account & Service Control · Restriction or exception

The Account may not be used for illegal activities

The Card Member may not use the Account for illegal activities.

Supporting quotations

You may not use your Account for illegal activities.

Not stated here

• The text does not say what American Express may do if the Account is used for illegal activities.

Account & Service Control · Restriction or exception

American Express may decline charges even within the Credit Limit and is not responsible for resulting losses

American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of the Card Member's creditworthiness, even if the charge would not cause the Card Member to go over the Credit Limit and even if the Account is not in default. American Express is not responsible for any losses the Card Member incurs if it does not authorize a charge or if any 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 given are examples ("various reasons, including").
• American Express disclaims responsibility for losses from a declined charge or a merchant refusing the Card.

Not stated here

• The full list of reasons for declining a charge is not given.

Account & Service Control · Permission or license

Additional Cards can be issued on request; their use is subject to the Agreement and may be reported to credit agencies

American Express may issue additional Cards on the Account at the Card Member's request. Additional Card Members can use the Account subject to the terms of the Agreement, and American Express may report their use of the Account to credit reporting agencies. If an Annual Fee applies to Additional Cards on the Account, it is shown on page 2 of Part 1. Part 1 shows the Annual Fee for Additional Cards as None.

Supporting quotations

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

Qualifications & exceptions

• Issuing additional Cards is at American Express's option ("may issue") on the Card Member's request.
• American Express may report an Additional Card Member's use of the Account to credit reporting agencies.

Account & Service Control · Restriction or exception

Card Member answers for all use by Additional Card Members and those they allow, and authorizes sharing with them

The Card Member is responsible for all use of the Account by Additional Card Members and anyone they allow to use the Account, and must pay for all charges made. The Card Member also authorizes American Express to give Additional Card Members information about the Account and to discuss it with them. The Card Member contacts American Express to cancel an Additional Card Member's ability to use the Account. If an Annual Fee applies for an Additional Card, the refund policy is in the Closing or suspending your Account sub-section of Part 3; if a single Annual Fee applies for a group of Additional Cards, that policy applies when the Additional Card on which the fee was assessed is cancelled.

Supporting quotations

You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account and you must pay for all charges made. You also authorize us to give Additional Card Members information about your Account and to discuss it with them.

Contact us if you want to cancel an Additional Card Member's ability to use your Account.

If 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

• Responsibility extends to anyone an Additional Card Member allows to use the Account.
• Ending an Additional Card Member's use is done by contacting American Express.

Not stated here

• Whether the refund policy matters for this Card is not stated; Part 1 shows no Annual Fee for Additional Cards.

Account & Service Control · Procedure

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

American Express 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

Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.

Qualifications & exceptions

• A notice counts as given on mailing or electronic delivery, not on receipt.

Not stated here

• The text does not say how long mailed notices take to arrive or what happens if the records are out of date.

Account & Service Control · User right or choice

The Card Member must notify American Express immediately of address, email or phone changes, separately for each Account

The Card Member must notify American Express immediately if the mailing address, email address or telephone number changes. A Card Member with more than one Account must notify American Express separately for each Account. American Express may update the billing address if it receives information that it has changed or is incorrect.

Supporting quotations

Changing your contact information: 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.

Qualifications & exceptions

• Notification is required separately for each Account.
• American Express may update the billing address on information it receives, without a Card Member notification being required.

Not stated here

• The sources from which American Express may receive information about a changed address are not listed.

Account & Service Control · Restriction or exception

American Express may treat the Account as in default for five listed reasons, including belief of inability to pay

American Express may consider the Account to be in default if the Card Member violates a provision of the Agreement, gives false information, files for bankruptcy, defaults under another agreement with American Express or an affiliate, or if American Express believes the Card Member is unable or unwilling to pay debts when due.

Supporting quotations

Default: We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

you default under another agreement you have with us or an affiliate, or

we believe you are unable or unwilling to pay your debts when due.

Qualifications & exceptions

• The determination is American Express's option ("may consider").
• The last trigger rests on American Express's belief, not on a missed payment.

Not stated here

• "Violate a provision of this Agreement" is not limited to any particular provision, including non-payment terms.
• No notice or cure period before default is stated here.
• Other agreements with American Express or an affiliate, a default under which is a listed trigger, are not supplied here, so the card cannot say what they contain.

Account & Service Control · Restriction or exception

After default, incapacity or death, American Express may suspend charges and demand more than the minimum or the balance

If American Express considers the Account in default, or if the Card Member becomes incapacitated or dies, it may, to the extent permitted by federal and applicable state law, suspend the ability to make charges, cancel or suspend any feature on the Account, require the Card Member to pay more than the Minimum Payment Due immediately, and require the Card Member to pay the 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

• The remedies apply on default, incapacity or death.
• They are limited "to the extent permitted by federal and applicable state law".
• All four remedies are at American Express's option ("may").

Not stated here

• "Incapacitated" is not defined.

Account & Service Control · Permission or license

American Express may cancel the Account or suspend features at any time for any reason; charges remain payable

American Express may, at any time and for any reason, cancel the Account, suspend the ability to make charges, or cancel or suspend any feature on the Account. If it does any of these, the Card Member must still pay for all charges under the terms of the Agreement. If American Express later agrees to reinstate the Account, it may reinstate any additional Cards issued on the Account and charge any applicable annual fees and a fee to reinstate the Account. If the Account is cancelled and American Express re-opens it at the Card Member's request, it may charge a $25 fee.

Supporting quotations

Closing or suspending your Account: 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.

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

• American Express may act "at any time and for any reason".
• The Card Member remains responsible for all charges.

Not stated here

• This Part 3 paragraph says American Express "may charge" a $25 fee to re-open; the Rates and Fees Table in Part 1 lists the Account Re-opening fee as $25 without "may".
• No notice period is stated for cancellation or suspension.

Cross-references

• refers to (model-proposed): Account re-opening fee of $25 — Part 3 says that if a cancelled Account is re-opened at the Card Member's request, American Express "may charge you a $25 fee"; the Part 1 fee section lists the Account Re-opening fee as $25 if the Account is cancelled, the Card Member asks to re-open it and American Express does so. The two statements concern the same fee.

Account & Service Control · User right or choice

The Card Member can close the Account; an Annual Fee is refunded within 30 days, except in Massachusetts

The Card Member may close the Account by calling or writing to American Express. If an Annual Fee applies, American Express will refund it if the Card Member notifies it of voluntarily closing the Account within 30 days after the Closing Date of the billing statement on which the fee appears. For cancellations after that 30-day period, the Annual Fee is non-refundable. If the billing address is in the Commonwealth of Massachusetts when the Account is closed, this policy does not apply. Part 1 lists the Annual Fee as None.

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 applies only if an Annual Fee applies and the Card Member voluntarily closes the Account within 30 days after the Closing Date of the statement showing the fee.
• The policy does not apply to a billing address in the Commonwealth of Massachusetts when the Account is closed.

Not stated here

• The text does not say what applies instead for a Massachusetts billing address.

Account & Service Control · Permission or license

American Express may add, modify or remove any benefit, feature or service related to the Account at its discretion

American Express has the right to add, modify or remove any benefit, feature or service included with or related to the 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.

Qualifications & exceptions

• The right is exercised "at our discretion".

Not stated here

• No notice period is stated in this paragraph.