Amex Offers Terms and Conditions

Charges & Financial Obligations · Restriction or exception

A Qualifying Purchase must finish by 11:59 PM MST on the expiration date; only amounts billed to the enrolled Card count

A Qualifying Purchase is one that meets every condition in these terms and in the specific Offer Terms. It must be completed no later than 11:59 PM Mountain Standard Time on the offer's expiration date. Only charges to the enrolled Card count toward a minimum purchase requirement; if you split a purchase across payment methods, only the part billed to the enrolled Card counts. For foreign-currency purchases, the minimum spend must be met after American Express converts the amount to U.S. dollars, and conversion fees and related charges do not count toward the required spend.

Supporting quotations

A “Qualifying Purchase” is a purchase that meets all conditions set forth in these Terms and the applicable specific Offer Terms. The Qualifying Purchase must be completed no later than 11:59 PM Mountain Standard Time (MST) on the Offer’s expiration date.

Only the purchase transaction(s) charged to the enrolled Card will count toward any minimum purchase requirement. If a purchase is split across multiple payment methods, only the amount billed to the enrolled, eligible Card account will count toward any minimum spend requirements.

For purchases made in a foreign currency, the minimum spend requirement must be satisfied after conversion into U.S. dollars by American Express. Conversion fees and related charges do not count toward the required spend.

Qualifications & exceptions

• Deadline is stated in Mountain Standard Time (MST).

Not stated here

• The specific Offer Terms, which can add conditions, are not supplied.

Charges & Financial Obligations · Restriction or exception

Refunded, returned or cancelled purchases do not count, and rewards already given may be reversed

Purchases that are refunded, returned or cancelled, in whole or in part, do not count toward an offer's minimum spend. Any reward or redemption issued in connection with an offer may be reversed.

Supporting quotations

Purchases that are refunded, returned, or cancelled, in whole or in part, will not count toward any minimum spend required for the Offer, and any reward or redemption issued in connection with an Offer may be reversed.

Qualifications & exceptions

• Applies to whole or partial refunds, returns and cancellations; reversal is stated as "may be", at American Express's option.

Charges & Financial Obligations · Restriction or exception

Interest, fees, balance transfers, cash advances, gift cards and cash equivalents are not Qualifying Purchases

These transactions do not count as Qualifying Purchases: interest charges, annual fees, conversion fees and other Card fees; balance transfers or cash advances; traveler's cheque purchases; and transactions involving gift cards, reloadable cards or anything else American Express defines as a cash equivalent. The list also ends with a catch-all for any other transaction American Express determines does not meet the offer's requirements.

Supporting quotations

The following transactions are excluded and do not count as Qualifying Purchases: interest charges, annual fees, conversion fees, and other Card fees; balance transfers or cash advances; purchases of traveler’s cheques; transactions involving gift cards, reloadable cards or any other transaction that American Express defines as a cash equivalent, as well as any other transaction that American Express determines does not meet the requirements of the Offer.

Qualifications & exceptions

• The catch-all depends on American Express's own determination.

Not stated here

• The source does not define the full set of "cash equivalent" transactions.

Charges & Financial Obligations · Restriction or exception

Purchases that American Express cannot identify through merchant data may not count

American Express relies on information from the merchant to identify qualifying purchases and must receive enough transaction information to do so. Transactions that cannot be identified, such as those made through resellers, third-party payment processors, delivery services or other intermediaries, may not be recognized as Qualifying Purchases. Only the portion of a transaction charged to the eligible Card account qualifies.

Supporting quotations

American Express relies on information provided to us by the merchant to identify qualifying purchases. American Express must receive sufficient transaction information to identify a purchase as qualifying. Transactions that cannot be identified, such as those made through resellers, third-party payment processors, delivery services, or other intermediaries, may not be recognized as Qualifying Purchases. Only the portion of a transaction charged to the eligible Card account will qualify.

Qualifications & exceptions

• The examples (resellers, payment processors, delivery services, intermediaries) are illustrative; recognition is stated as "may not".

Charges & Financial Obligations · Context

Offer rewards may be statement credits, Membership Rewards points, airline miles, hotel points or other rewards

Offers and rewards may be given as statement credits, Membership Rewards points, airline miles or hotel points, or other rewards, in line with these terms and the specific Offer Terms.

Supporting quotations

Offers and rewards may be provided in the form of statement credits, Membership Rewards® points, airline miles or hotel points or other rewards, in accordance with these Terms and other specific Offer Terms.

Not stated here

• Which form applies to a given offer is set by the specific Offer Terms, which are not supplied.

Charges & Financial Obligations · Company commitment

Rewards generally post within 30 days of the Qualifying Purchase, sometimes up to 90 days after the Offer ends

If you meet every requirement of an offer, the statement credit, Membership Rewards points, airline miles or hotel points will generally be applied to your eligible Card account within 30 days of the date of the Qualifying Purchase, provided American Express receives enough merchant information to identify the transaction as eligible. In certain cases it may take up to 90 days after the offer end date.

Supporting quotations

If you satisfy all applicable requirements of an Offer, statement credit(s), Membership Rewards® points, airline miles or hotel points (as applicable), will generally be applied to your eligible Card account within 30 days from the date of the Qualifying Purchase, provided that American Express receives sufficient information from the merchant to identify the transaction as eligible. In certain cases, it may take up to 90 days after the Offer end date for the statement credit(s), Membership Rewards® points, airline miles or hotel points (as applicable), to be applied.

Qualifications & exceptions

• "Generally" within 30 days; depends on sufficient merchant transaction information.
• The 90-day outer figure runs from the Offer end date and applies only "in certain cases".

Not stated here

• The source does not say which cases take up to 90 days.

Charges & Financial Obligations · Company practice

American Express may withhold, delay or reverse a reward in four listed situations

American Express reserves the right, in its sole discretion, to withhold, delay or reverse fulfillment of an offer if it determines that (i) the offer conditions were not met, (ii) a Qualifying Purchase was cancelled, returned or refunded in whole or in part, (iii) the Card account is not in good standing, or (iv) suspected fraudulent, abusive or suspicious activity occurred in connection with the offer.

Supporting quotations

American Express reserves the right, in its sole discretion, to withhold, delay, or reverse fulfillment of the Offer if it determines that: (i) the Offer conditions were not met; (ii) a Qualifying Purchase was cancelled, returned, or refunded in whole or in part, (iii) the Card account is not in good standing, or (iv) suspected fraudulent, abusive, or suspicious activity has occurred in connection with the Offer.

Qualifications & exceptions

• The decision is made in American Express's sole discretion; "good standing" is not defined in this source.

Not stated here

• The source does not define "good standing" or "suspicious activity" for this purpose.

Charges & Financial Obligations · Restriction or exception

Statement credits are in U.S. dollars, do not count toward the minimum payment, and are not transferable or cash

Statement credits are given in U.S. dollars. They reduce the eligible Card account's balance but do not count toward the minimum payment due. They are not transferable, cannot be redeemed for cash and cannot be applied to any other Card account.

Supporting quotations

Statement credits earned in accordance with an Offer will be credited in U.S. dollars. Statement credits will reduce the eligible Card account balance but will not count toward the minimum payment due. Statement credits are not transferable, may not be redeemed for cash, and may not be applied to any other Card account.

Charges & Financial Obligations · Restriction or exception

Offer Membership Rewards points need an enrolled, active Membership Rewards account and follow that program's terms

Extra Membership Rewards points from an Amex Offer are on top of points normally earned and are subject to the Membership Rewards program terms. To receive them your Card must be enrolled in Membership Rewards and have an active loyalty account in good standing. The program terms apply, and the points may be reversed if transactions are cancelled, refunded or found ineligible after the points are issued, or under the Membership Rewards terms.

Supporting quotations

Additional Membership Rewards® points earned through an Amex Offer are awarded in addition to points normally earned on purchases and are subject to the Membership Rewards program terms. To receive Membership Rewards® points, your Card must be enrolled in the Membership Rewards® program and have an active loyalty account in good standing. Terms and Conditions for the Membership Rewards® program apply.

Membership Rewards® points may be reversed if the transactions are cancelled, refunded, or otherwise deemed ineligible subsequent to rewards being issued, or pursuant to the Terms and Conditions of the Membership Rewards® program.

Qualifications & exceptions

• Reversal is tied to cancelled, refunded or ineligible transactions or to the Membership Rewards terms.

Not stated here

• The Membership Rewards program terms (linked at membershiprewards.com/terms) are not supplied in this source.

Charges & Financial Obligations · Context

Offer points and miles are extra and also follow the offer's terms and the loyalty program's terms

Points or miles earned through an Amex Offer are awarded in addition to other rewards or benefits earned on the Card, and they are subject to the terms of the specific offer and of the applicable loyalty program. The programs listed (Hilton Honors, Marriott Bonvoy, Delta SkyMiles) are examples introduced by "These may include", not a full list. Each listed program points to its own terms: Hilton Honors Terms and Conditions, the Marriott Bonvoy Loyalty Program Terms and Conditions, and the Delta SkyMiles Program rules, which apply to SkyMiles membership, miles, offers, accrual, redemption and travel benefits.

Supporting quotations

Points or miles earned through an Amex Offer are awarded in addition to any other rewards or benefits earned on the Card and are subject to the terms and conditions of the specific Offer and the applicable loyalty program. These may include:

Hilton Honors Program: Subject to Hilton Honors Terms and Conditions at

Marriott Bonvoy Program: Subject to Marriott Bonvoy Loyalty Program Terms and Conditions at

Delta SkyMiles Program: All SkyMiles Program rules apply to SkyMiles membership, miles, offers, accrual, redemption, and travel benefits.

Qualifications & exceptions

• The list of programs is non-exhaustive.

Not stated here

• The Hilton, Marriott and Delta program terms are linked but not supplied here.

Charges & Financial Obligations · Company commitment

Rewards properly earned before an Offer is revoked will be honored, unless otherwise specified

Unless otherwise specified, American Express will honor rewards that were properly earned before it revoked an offer.

Supporting quotations

Unless otherwise specified, American Express will honor rewards properly earned prior to the revocation of an Offer.

Qualifications & exceptions

• Qualified by "Unless otherwise specified" and by the word "properly" earned; other sections let American Express withhold or reverse rewards in listed situations.

Not stated here

• The source does not say what "otherwise specified" refers to or who can specify it.

Cross-references

• contrast (model-proposed): If those problems occur, your sole remedy is to stop participating in the program — Section D makes discontinuing participation the sole remedy for listed problems, including errors in processing fulfillment, while Section A says properly earned rewards will be honored and gives fulfillment timing. The source does not say how the two fit together.

Charges & Financial Obligations · Restriction or exception

Creating artificial purchase activity, such as purchases and returns, to obtain Offers or rewards is prohibited

Prohibited conduct includes attempting to artificially establish purchase or transaction activity (the example given is purchases and returns) or manipulating purchases or transactions in order to qualify for or obtain offers, statement credits or rewards.

Supporting quotations

attempting to artificially establish purchase or transaction activity (e.g., purchases and returns, etc.) or manipulate purchases or transactions to qualify for or obtain Offers, statement credits, or rewards

Qualifications & exceptions

• Attempts are covered, not only completed manipulation.

Charges & Financial Obligations · Company commitment

You pay your share of arbitration fees only up to what a court filing would have cost; American Express pays the rest

You are responsible for your share of arbitration fees (including filing, administrative, hearing or other fees) only up to the amount of the filing fees you would have paid if you had brought the claim in court. American Express is responsible for any additional arbitration fees. At your written request, American Express will consider in good faith making a temporary advance of your share of fees or paying for the reasonable fees of an expert the arbitrator appoints for good cause.

Supporting quotations

You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees, but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees.

At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.

Qualifications & exceptions

• Scope: this source says the Arbitration subsection governs claims where the eligible Card is issued by a third-party financial institution, while claims on American Express-issued Cards follow the Card Member Agreement. The subsection wording speaks of "you" and "we" without repeating that limit.
• The advance or expert-fee payment is only something American Express will "consider in good faith", not a promise.

Not stated here

• The sentence on your fee share has an opening parenthesis that is never closed in the source; the quoted wording is preserved and the reading above follows its plain words.

Charges & Financial Obligations · User right or choice

If the award beats American Express's pre-hearing offer, it includes at least $5,000 plus attorneys' fees and costs

If the arbitrator rules in your favor for an amount greater than any offer American Express made before the final hearing, the award will include (1) any money you are entitled to, but in no case less than $5,000, and (2) reasonable attorneys' fees, costs and expert and other witness fees.

Supporting quotations

If the arbitrator rules in your favor for an amount greater than any offer we made before the final hearing in arbitration, the arbitrator’s award will include: (1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys’ fees, costs and expert and other witness fees.

Qualifications & exceptions

• Scope: this source says the Arbitration subsection governs claims where the eligible Card is issued by a third-party financial institution, while claims on American Express-issued Cards follow the Card Member Agreement. The subsection wording speaks of "you" and "we" without repeating that limit.
• Applies only when the award is greater than any offer American Express made before the final hearing.

Not stated here

• The source does not say what happens if American Express made no pre-hearing offer, or how an "offer" is measured.