Part 1 rate summary: dated 06/30/2026, issued by American Express National Bank
This Part 1 of the Card Member Agreement is dated 'As of: 06/30/2026' and names American Express National Bank as the issuer. It is headed for the Marriott Bonvoy Bevy American Express Card, so the rates, fees and limits that follow are those the agreement states for that card account.
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Card Member Agreement: Part 1 of 3
As of: 06/30/2026 Issuer: American Express National Bank
Marriott Bonvoy BevyTM American Express® Card
Qualifications & exceptions
Part 1 is the first of three parts; later parts and any supplements are also part of the agreement (see the cards on how the agreement is made up).
Not stated here
The date shown is an 'As of' date; this section does not state when the agreement takes effect for an account.
Legal Rights & Agreement Rules · Context
Parts 1, 2 and 3 and any supplements or amendments make up the Card Member Agreement
Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement, and you can request a copy through your online account or by calling the number on the back of your Card. The rewards program terms that follow in this document are headed 'Supplement to the Card Member Agreement'.
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Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement. You can request a copy of your Card Member Agreement through your online account or by calling the number on the back of your Card.
Using the Account or keeping the Card means you accept the agreement; unused accounts can be cancelled without fees
Part 2 together with Part 1 and Part 3 makes up the Card Member Agreement for the Account identified on page 1 of Part 1, and any supplements or amendments are also part of it. When you use the Account (or you sign or keep the Card), you agree to the terms. If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.
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This document together with Part 1 and Part 3 make up the Card Member Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement.
When you use the Account (or you sign or keep the Card), you agree to the terms of the Agreement.
If you have not yet used the Account or made a payment on the Account after receiving a billing statement, you can cancel your Card without obligation to pay any fees.
Part 1, Part 2, Part 3 and any supplements or amendments make up your Card Member Agreement.
Qualifications & exceptions
The no-fee cancellation applies to fees; the text does not say it relieves you of charges you have made.
Not stated here
The condition 'not yet used the Account or made a payment' can be read as requiring neither use nor payment; the text does not say whether use alone or payment alone ends the right to cancel.
No time limit for the cancellation is stated in this paragraph.
Legal Rights & Agreement Rules · Permission or license
We may change the agreement, subject to applicable law; oral changes do not count
We may change this Agreement, subject to applicable law. The written Agreement is the final expression of the agreement governing the Account and may not be modified or amended by any alleged oral agreement.
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We may change this Agreement, subject to applicable law. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be modified or amended by any alleged oral agreement.
Qualifications & exceptions
The reserved right is ours; it is limited only by 'applicable law' in this passage.
Not stated here
This passage states no notice period, effective-date rule or right to decline a change; how notices are sent is described separately in Part 3.
'We' is the issuer, 'you' is the applicant (the Basic or Primary Card Member), and 'Card' includes other access devices
We, us and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for the Account and for whom we opened it; the agreement calls you the Basic or Primary Card Member. You may request a Card for an Additional Card Member. Card means any American Express Card or other device that we issue to access your Account.
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We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. We will refer to you as either the Basic or Primary Card Member. You may request a Card for an Additional Card Member. Card means any American Express Card or other device that we issue to access your Account.
A 'charge' is any amount added to the Account; 'purchase' includes goods, services and person-to-person transactions
A charge is any amount added to your Account, such as purchases, cash advances, balance transfers, fees and interest charges. A purchase is a charge for goods, services or person-to-person transactions. A balance transfer is a charge to pay an amount you owe on another credit card account.
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A charge is any amount added to your Account, such as purchases, cash advances, balance transfers, fees, and interest charges. A purchase is a charge for goods, services, or person-to-person transactions.
A balance transfer is a charge to pay an amount you owe on another credit card account.
Qualifications & exceptions
Person-to-person transactions count as purchases under this definition but are excluded from earning Points.
Legal Rights & Agreement Rules · User right or choice
Military Lending Act: the cost of credit to covered service members and dependents may not exceed a 36% annual rate
The agreement states that federal law gives members of the Armed Forces and their dependents protections on consumer credit. In general, the cost of consumer credit to such a member and dependent may not exceed an annual percentage rate of 36 percent, and that rate must include, as applicable, credit insurance premiums, fees for ancillary products sold in connection with the credit transaction, any application fee (other than certain ones), and any participation fee (other than certain ones for a credit Card Account).
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Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent.
This rate must include, as applicable to the credit transaction or Account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or Accounts); and any participation fee (other than certain participation fees for a credit Card Account).
Qualifications & exceptions
The statement is introduced with 'In general' and refers to federal law, whose text is not supplied.
Not stated here
Which application and participation fees are carved out is not specified here.
Who counts as a covered borrower is determined by the federal law, not set out in this agreement.
Legal Rights & Agreement Rules · Restriction or exception
Covered borrowers are not bound by the arbitration provision, but may still elect arbitration
You can call 855-531-0379 to listen to the Military Lending Act statement and a description of your payment obligation. If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section will not apply to you in connection with this Account. However, if you elect arbitration, we will comply with our obligations under the Claims Resolution section.
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To listen to this statement, as well as a description of your payment obligation for this Account, call us at 855-531-0379.
If you are a covered borrower under the Military Lending Act, the Arbitration provision of the Claims Resolution section of this Agreement will not apply to you in connection with this Account. However, if you elect arbitration, we will comply with our obligations under the Claims Resolution section of this Agreement.
Qualifications & exceptions
This is a stated exception to the Claims Resolution arbitration provision.
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'Covered borrower' is not defined in this agreement.
Notices are sent by mail, courier or electronically and count as given when we mail or deliver them
We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.
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Sending you notices: We send notices by U.S. mail, courier, or electronically using the information in our records. We consider a notice given when we mail it or deliver it electronically.
Qualifications & exceptions
A notice counts as given when sent, not when you receive or read it.
Not stated here
The text does not say which method we use for a given notice.
Legal Rights & Agreement Rules · Restriction or exception
If we credit a disputed charge, you assign us your claims against the merchant (except tort claims)
If you dispute a charge with a merchant, we may credit the Account for all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant, and you agree that you will not pursue any claim against the merchant for the credited amount. The paragraph ends by saying you must cooperate with us 'if we decide to do so'.
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If you dispute a charge with a merchant, we may credit the Account for all or part of the disputed charge. If we do so, you assign and transfer to us all rights and claims (excluding tort claims) against the merchant. You agree that you will not pursue any claim against the merchant for the credited amount.
And you must cooperate with us if we decide to do so.
Qualifications & exceptions
The assignment applies only if we credit the Account.
Not stated here
'If we decide to do so' does not say whether it refers to crediting the Account or to pursuing the merchant; the cooperation duty's exact trigger is therefore ambiguous.
The text does not set out a dispute procedure or deadline for notifying us of a disputed charge.
Legal Rights & Agreement Rules · Permission or license
We may sell, transfer or assign the agreement and your Account at any time without notice; you may not
We may sell, transfer or assign this Agreement and your Account, at any time and without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.
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Assigning the Agreement: We may sell, transfer or assign this Agreement and your Account. We may do so at any time without notifying you. You may not sell, assign or transfer your Account or any of your obligations under this Agreement.
Legal Rights & Agreement Rules · Restriction or exception
Delaying or not exercising our rights does not waive them
We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion.
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We do not waive our rights: We may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not waive our rights to exercise or enforce them on any other occasion.
Legal Rights & Agreement Rules · Restriction or exception
Utah and federal law govern the agreement and your Account
Utah law and federal law govern this Agreement and your Account without regard to internal principles of conflicts of law. The agreement states that we entered into it with you in Utah, where we are located and hold your Account.
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Governing law: Utah law and federal law govern this Agreement and your Account without regard to internal principles of conflicts of law. We entered into this Agreement with you in Utah, where we are located and hold your Account.
Qualifications & exceptions
Arbitration is governed by the Federal Arbitration Act under the Claims Resolution section.
Legal Rights & Agreement Rules · Restriction or exception
Maryland billing addresses: Account offered under Maryland Commercial Law Title 12, Subtitle 9, if it applies
If your Account has a Maryland billing address, we elect to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to your Account.
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Maryland residents: If your Account has a Maryland billing address, we elect to offer your Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article to the extent, if any, that Maryland law applies to your Account.
Qualifications & exceptions
The election applies for a Maryland billing address and only to the extent, if any, that Maryland law applies.
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The text of the cited Maryland statute is not supplied here, so what the election changes for the Account is not stated.
Call Customer Service first; unresolved claims go to mediation, arbitration or litigation; arbitration can be rejected
Most customer concerns can be resolved by calling Customer Service at the number on the back of your Card. If Customer Service cannot resolve a complaint to your satisfaction, the Claims Resolution section explains how claims can be resolved through mediation, arbitration or litigation, and it includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase.
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Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision.
You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase.
Your rejection notice must be mailed within 45 days after your first Card purchase.
Qualifications & exceptions
The rejection procedure is set out under 'Your Right to Reject Arbitration' (see the rejection card).
Legal Rights & Agreement Rules · Restriction or exception
In the claims section 'you and us' includes our parents, subsidiaries and affiliates; third-party claims are covered
For the Claims Resolution section, 'you and us' includes any corporate parents, subsidiaries, affiliates or related persons or entities. A Claim includes claims by or against any third party using or providing any product, service or benefit in connection with any account.
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For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities.
(3) claims by or against any third party using or providing any product, service or benefit in connection with any account
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The text does not name the 'related persons or entities' or the third parties covered.
Legal Rights & Agreement Rules · Restriction or exception
A 'Claim' is any current or future dispute about your Account, the agreement or any relationship with us
A Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision. It includes initial claims, counterclaims, crossclaims and third-party claims; claims based on contract, tort, fraud, statute, regulation, common law and equity; and claims relating to accounts and balances, advertisements, promotions or statements about accounts or financed goods or services, benefits and services related to Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs), and your application for any account. You may not sell, assign or transfer a claim.
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Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision.
(1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity;
(4) claims that arise from or relate to (a) any account created under any of the agreements, or any balances on any such account, (b) advertisements, promotions or statements related to any accounts, goods or services financed under any accounts or terms of financing, (c) benefits and services related to Card Membership (including fee-based or free benefit programs, enrollment services and rewards programs) and (d) your application for any account.
You may not sell, assign or transfer a claim.
Qualifications & exceptions
Disputes about the validity, enforceability or scope of the Arbitration provision are carved out of the definition of 'Claim'.
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The text does not say who decides disputes about the validity, enforceability or scope of the Arbitration provision, since they are excluded from the definition of Claim.
Before suing, mediating or arbitrating, send a written claim notice describing the claim and the relief demanded
Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, to give an opportunity to resolve the claim informally or through mediation. The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005. If the claim proceeds to arbitration, the amount of relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.
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Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation.
The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address.
Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty Street, New York, New York 10005.
If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.
Qualifications & exceptions
The agreement refers to americanexpress.com/claim for a sample claim notice; that page is not supplied.
Not stated here
The text sets no deadline for sending a claim notice or for the other side to respond.
Legal Rights & Agreement Rules · Procedure
Either side may submit a claim to JAMS or AAA mediation within 30 days of a claim notice; we pay the mediator
In mediation, a neutral mediator helps parties resolve a claim but does not decide it. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS or the American Arbitration Association (AAA) for mediation, and we will pay the mediator's fees. Mediation communications are confidential, inadmissible in court and not subject to discovery. Statutes of limitation are tolled from the date the claim notice is sent until the mediation ends. Either side may terminate the mediation at any time, and submitting or not submitting a claim to mediation does not affect the right to elect arbitration.
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In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement. Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA") (1-800-778- 7879, adr.org) for mediation. We will pay the fees of the mediator.
All mediation-related communications are confidential, inadmissible in court and not subject to discovery.
All applicable statutes of limitation will be tolled from the date you or we send the claim notice until termination of the mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.
Qualifications & exceptions
Mediation is optional: the text says either side 'may' submit a claim.
Not stated here
The text says 'we will pay the fees of the mediator' and does not address other mediation costs such as each side's own expenses.
Legal Rights & Agreement Rules · Restriction or exception
Either side may elect individual arbitration; if so, neither can use court, a jury or a class action for that claim
You or we may elect to resolve any claim by individual arbitration, and claims are decided by a neutral arbitrator. If arbitration is chosen by any party, neither you nor we have the right to litigate that claim in court or have a jury trial on it, and neither has the right to participate in a representative capacity or as a member of any class for any claim subject to arbitration. The agreement says arbitration procedures are generally simpler than court rules and discovery is more limited; the arbitrator's authority is limited to claims between you and us alone; claims may not be joined or consolidated unless you and we agree in writing; an award applies only to the specific case; and arbitrator decisions are as enforceable as a court order and subject to very limited review by a court. Except as set forth below, the decision is final and binding. Other rights you or we would have in court may also not be available in arbitration.
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Arbitration: You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator.
If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration.
Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing.
We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court.
The arbitrator's decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator's decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration.
Qualifications & exceptions
Exceptions: we will not elect arbitration for an individual claim you file in small claims court, you may reject arbitration, and covered borrowers under the Military Lending Act are exempted (see those cards).
The final-and-binding statement is qualified by the appeal procedure described later in this section.
Not stated here
The text says other court rights 'may' also be unavailable and does not list them.
Arbitration starts with a claim notice and is referred to JAMS or AAA as chosen by the electing party
Before beginning arbitration, you or we must first send a claim notice. Claims are referred to either JAMS or AAA, as selected by the party electing arbitration, and are resolved under the Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Claims may also be referred to another arbitration organization if you and we agree in writing, or to an arbitrator appointed under section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).
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Before beginning arbitration, you or we must first send a claim notice. Claims will be referred to either JAMS or AAA, as selected by the party electing arbitration.
Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with this Agreement. If we choose the organization, you may select the other within 30 days after receiving notice of our selection.
Claims also may be referred to another arbitration organization if you and we agree in writing or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA).
This Arbitration provision is governed by the FAA.
Qualifications & exceptions
Where the organization's rules conflict with the agreement, the agreement controls.
Not stated here
The text of the Federal Arbitration Act and of the JAMS and AAA rules is not supplied here, so the card cannot say what they require.
Legal Rights & Agreement Rules · Restriction or exception
No arbitration election for individual small-claims cases; otherwise it can be elected until trial starts or judgment
We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. Either of us may delay enforcing or not exercise rights under the Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce them. Submitting or not submitting a claim to mediation does not affect the right to elect arbitration.
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We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court.
You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered.
Either you or we may delay enforcing or not exercise rights under this Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights.
The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.
Qualifications & exceptions
The commitment not to elect arbitration covers only a claim that is individual and pending only in small claims court; it is a commitment by us, not by you.
Not stated here
The text does not say what happens if a small-claims case is moved to another court or becomes a class claim after filing.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration is on an individual basis only, and if that limit is invalid the whole arbitration provision falls away
If either party elects arbitration, the claim will be arbitrated on an individual basis. There is no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated. Notwithstanding any other provision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than that sentence) will not apply.
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Limitations on Arbitration: If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated.
Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.
Qualifications & exceptions
This severability sentence is an exception to the general rule that an invalid portion does not invalidate the rest of the Claims Resolution section.
Not stated here
The text does not say what dispute process applies if the Arbitration provision falls away beyond that sentence.
The FAA governs; the arbitrator applies substantive law but not court procedure or evidence rules
The Arbitration provision is governed by the FAA. The arbitrator applies applicable substantive law, statutes of limitations and privileges, but does not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. Judgment upon any award may be entered in any court having jurisdiction.
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Arbitration Procedures: This Arbitration provision is governed by the FAA. The arbitrator will apply applicable substantive law, statutes of limitations and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court.
Judgment upon any award may be entered in any court having jurisdiction.
Not stated here
How discovery is handled in place of the court rules is not stated.
Legal Rights & Agreement Rules · Restriction or exception
Arbitration is confidential, but either side may notify a government authority of the claim
You and we agree that the arbitration will be confidential. You and we agree that we will not disclose the content of the arbitration proceeding or its outcome to anyone, but you or we may notify any government authority of the claim as permitted or required by law.
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You and we agree that the arbitration will be confidential. You and we agree that we will not disclose the content of the arbitration proceeding or its outcome to anyone, but you or we may notify any government authority of the claim as permitted or required by law.
Not stated here
The second sentence says 'we will not disclose' after 'You and we agree'; the text does not say whether 'we' there means both parties or only American Express.
Legal Rights & Agreement Rules · User right or choice
Claims of $10,000 or less: you choose documents, phone or in-person hearing; hearings in your federal district
If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party's request, the arbitrator will provide a brief written explanation of the award. At your election, arbitration hearings will take place in the federal judicial district of your residence.
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If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing.
At any party's request, the arbitrator will provide a brief written explanation of the award.
At your election, arbitration hearings will take place in the federal judicial district of your residence.
Not stated here
The text does not say how the hearing format is chosen for claims above $10,000.
Either side can appeal an award within 35 days to a three-arbitrator panel
The arbitrator's award is final and binding, subject to each party's right to appeal as stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA. To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the arbitrator's award is issued. The arbitration organization appoints a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. The appeal otherwise proceeds under the arbitration organization's appellate rules.
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The arbitrator's award will be final and binding, subject to each party's right to appeal as stated in this section and/or to challenge or appeal an arbitration award pursuant to the FAA.
To initiate an appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the arbitrator's award is issued. The arbitration organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. The appeal will otherwise proceed pursuant to the arbitration organization's appellate rules.
Except as set forth below, the arbitrator's decision will be final and binding.
Qualifications & exceptions
This appeal right is the exception to the 'final and binding' and 'very limited review' wording earlier in the section.
Not stated here
The grounds for appeal and who pays the appeal fees are not stated here; the organization's appellate rules are not supplied.
Legal Rights & Agreement Rules · Restriction or exception
You pay arbitration fees only up to the court filing fee you would have paid; we pay the rest
You are responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We are responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of arbitration fees, or paying the reasonable fees of an expert appointed by the arbitrator for good cause.
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You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees.
At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.
Qualifications & exceptions
The advance or expert-fee payment is only a commitment to 'consider in good faith', not a promise to pay.
Legal Rights & Agreement Rules · User right or choice
If the award beats our final offer, you receive at least $5,000 plus attorneys' fees and costs
If the arbitrator rules in your favor for an amount greater than any final offer we made before the final hearing in arbitration, the award will include any money to which you are entitled, but in no case less than $5,000, and any reasonable attorneys' fees, costs and expert and other witness fees.
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Additional Arbitration Awards: If the arbitrator rules in your favor for an amount greater than any final offer we made before the final hearing in arbitration, the arbitrator's award will include:
(1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees.
Not stated here
The text does not say what applies if we made no final offer before the final hearing.
Legal Rights & Agreement Rules · User right or choice
Reject arbitration with a signed notice mailed within 45 days of your first Card purchase; it covers other open accounts
You may reject the Arbitration provision by sending a written rejection notice to American Express, P.O. Box 981556, El Paso, TX 79998. The notice must be mailed within 45 days after your first Card purchase, must state that you reject the Arbitration provision, and must include your name, address, Account number and personal signature; no one else may sign it. If the notice complies, the Arbitration provision and any other arbitration provisions in the Card Member agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration when you send the notice. Rejection does not affect your other rights or responsibilities under the Claims Resolution section or the Agreement, or your ability to use your Card or any other benefit, product or service you have with your Account.
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Your Right to Reject Arbitration: You may reject this Arbitration provision by sending a written rejection notice to us at: American Express, P.O. Box 981556, El Paso, TX 79998.
Your rejection notice must be mailed within 45 days after your first Card purchase. Your rejection notice must state that you reject the Arbitration provision and include your name, address, Account number and personal signature. No one else may sign the rejection notice.
If your rejection notice complies with these requirements, this Arbitration provision and any other arbitration provisions in the Card Member agreements for any other currently open American Express accounts you have will not apply to you, except for Corporate Card accounts and any claims subject to pending litigation or arbitration at the time you send your rejection notice.
Rejection of this Arbitration provision will not affect your other rights or responsibilities under this Claims Resolution section or the Agreement. Rejecting this Arbitration provision will not affect your ability to use your Card or any other benefit, product or service you may have with your Account.
Qualifications & exceptions
The agreement refers to americanexpress.com/reject for a sample rejection notice; that page is not supplied.
The window is tied to your first Card purchase, so it can pass before you read the agreement.
Not stated here
Only a mailed, signed notice is described; other ways of rejecting are not mentioned.
Legal Rights & Agreement Rules · Restriction or exception
The claims section survives closing the Account, bankruptcy and a sale; invalid parts do not void the rest
The Claims Resolution section survives termination of your Account, voluntary payment of your Account balance, any legal proceeding to collect a debt, any bankruptcy and any sale of your Account; in a sale, its terms apply to the buyer. If any portion of the section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it does not invalidate the remaining portions.
Details not recorded for this card
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
The Limitations on Arbitration severability sentence is the stated exception to this general severability rule.