Blue Cash Preferred® from American Express Agreement

Account & Service Control · Restriction or exception

Card use is personal, family or household only; plans, cash advances and balance transfers are discretionary

You may use the Card to make charges. At its discretion, American Express may permit you to create plans, make cash advances or balance transfers. You cannot transfer balances from any other account issued by American Express or its affiliates. You agree to use the Card for personal, family or household purposes only.

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.

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

Qualifications & exceptions

• Plans, cash advances and balance transfers are not a guaranteed feature: they are permitted "at our discretion".
• Balance transfers from American Express or affiliate-issued accounts are excluded.
• Use is limited to personal, family or household purposes.

Account & Service Control · Company practice

American Express may decline a charge for various reasons, even within your limit, without responsibility for losses

American Express may decline to authorize a charge for various reasons, including if it suspects fraud or based on its assessment of your creditworthiness, even if the charge would not take you over your Credit Limit and even if the Account is not in default. It is not responsible for losses you incur 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

• "Various reasons, including" means the listed reasons (suspected fraud, creditworthiness assessment) are examples, not the full list.

Account & Service Control · Company practice

Additional Cards can be issued at your request, and their use may be reported to credit reporting agencies

American Express may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of the Agreement, and American Express may report their use of your Account to credit reporting agencies. The Agreement says that if an Annual Fee applies to Additional Cards it is shown on page 2 of Part 1; in this published Part 1 the Annual Fee for Additional Cards is none.

Supporting quotations

We may issue additional Cards on your Account at your request. Additional Card Members can use your Account subject to the terms of this Agreement and we may report their use of your Account to credit reporting agencies.

If an Annual Fee applies to Additional Cards on your Account, it is shown on page 2 of Part 1 of this Agreement.

Qualifications & exceptions

• Issuing an additional Card is at your request and "may" be done.

Account & Service Control · Company practice

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

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

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 lets use the Account.

Account & Service Control · Company practice

American Express sends notices by mail, courier or electronically and treats them as given when mailed or delivered

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 the notice or delivers it electronically, not when you receive or read it.

Supporting quotations

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

• The notice is treated as given at mailing or electronic delivery.

Account & Service Control · Permission or license

You authorize American Express and its contractors to contact you by any method, including autodialer and texts

If American Express needs to contact you to service your account or collect amounts you owe, you authorize it and its affiliates, agents and contractors (such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact it, or at which it believes it can reach you. It may contact you in any way permitted by law, such as calling, texting, emailing or sending mobile application push notifications, using an automated dialer or prerecorded messages, and on a mobile, wireless or similar device even if you are charged for it.

Supporting quotations

If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors, such as debt collection agencies and service providers) to contact you at any phone number or email address you provide, from which you contact us, or at which we believe we can reach you.

We may contact you in any way, such as calling, texting, emailing, sending mobile application push notifications or using any other method of communication permitted by law. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.

Qualifications & exceptions

• The authorization covers service and collection contact, and extends to affiliates, agents and contractors.
• It includes numbers and addresses American Express believes it can reach you at, not only those you gave.
• Methods are "in any way ... permitted by law", and include automated dialer, prerecorded messages and contact on a device for which you are charged.

Account & Service Control · Procedure

You must tell American Express immediately if your address, email or phone changes, separately for each Account

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

Supporting quotations

You must notify us immediately if you change your mailing address, email address, or telephone number. If you have more than one Account, you need to notify us separately for each Account. We may update your billing address if we receive information that it has changed or is incorrect.

Qualifications & exceptions

• Notice is required for each Account separately.

Account & Service Control · Restriction or exception

The Account may be treated as in default for violations, false information, bankruptcy or inability to pay

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

Supporting quotations

We may consider your Account to be in default if:

you violate a provision of this Agreement,

you give us false information,

you file for bankruptcy,

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

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

Qualifications & exceptions

• The text says "may consider", so default is at American Express's option.
• Default can rest on American Express's belief that you are unable or unwilling to pay your debts when due, which is not tied to missing a payment on this Account.
• A default under another agreement with American Express or an affiliate counts.

Not stated here

• The agreement does not define what counts as a violation serious enough, or give a cure period.
• Any other agreement you have with American Express or an affiliate is not supplied here, so this card cannot say what counts as a default under it.

Cross-references

• referred to by (model-proposed): After default, incapacity or death, American Express may suspend charges, cancel features and demand the balance — The remedies apply when American Express considers the Account in default, the conditions for which are listed in the default triggers.

Account & Service Control · Permission or license

After default, incapacity or death, American Express may suspend charges, cancel features and demand the balance

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

Supporting quotations

If we consider your Account in default, or if you become incapacitated or die, we may, to the extent permitted by federal and applicable state law:

suspend your ability to make charges,

cancel or suspend any feature on your Account,

require you to pay more than your Minimum Payment Due immediately, and

require you to pay your Account balance immediately.

Qualifications & exceptions

• The remedies are "may" and apply only to the extent permitted by federal and applicable state law.
• Incapacity or death triggers the same remedies without a default being declared.

Cross-references

• refers to (model-proposed): The Account may be treated as in default for violations, false information, bankruptcy or inability to pay — The remedies apply when American Express considers the Account in default, the conditions for which are listed in the default triggers.

Account & Service Control · Permission or license

American Express may close or suspend your Account at any time for any reason; you remain responsible for charges

American Express may, at any time and for any reason, cancel your Account, suspend your ability to make charges, or cancel or suspend any feature on your Account. If it does, you must still pay for all charges under the Agreement. If it later agrees to reinstate your Account, it may reinstate any additional Cards issued on your Account and charge you any applicable annual fees and a fee to reinstate the Account.

Supporting quotations

We may, at any time and for any reason: cancel your Account, suspend your ability to make charges, cancel or suspend any feature on your Account. If we do any of these, you must still pay us for all charges under the terms of this Agreement.

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.

Qualifications & exceptions

• "At any time and for any reason" is not limited to default.
• You remain liable for charges after cancellation or suspension.
• Reinstatement is at American Express's agreement and may carry annual fees and a reinstatement fee.

Account & Service Control · User right or choice

You can close the Account by phone or in writing; the Annual Fee is refundable only within 30 days of the Closing Date

You may close your Account by calling or writing to American Express. If an Annual Fee applies, it will be refunded if you notify it that you are voluntarily closing your Account within 30 days after the Closing Date of the billing statement on which that fee appears; after that 30-day period the Annual Fee is non-refundable. If your billing address is in the Commonwealth of Massachusetts when you close your Account, "this policy will not apply to you". If your account is cancelled and re-opened at your request, American Express may charge a $25 fee.

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.

If your account is cancelled and we re-open it at your request, we may charge you a $25 fee.

Qualifications & exceptions

• The refund window is 30 days from the Closing Date of the statement that shows the Annual Fee, and the closure must be voluntary.
• The refund applies if you notify American Express of voluntary closure within the window.
• The Massachusetts sentence follows the refund policy and says "this policy will not apply to you"; the text does not say what applies instead for a Massachusetts billing address.

Not stated here

• The wording "this policy will not apply to you" for Massachusetts billing addresses is ambiguous in practical scope: it may mean the 30-day limit does not apply or that the refund does not, and the passage does not say which.

Cross-references

• qualifies (model-proposed): The annual fee is $95; additional cards have no annual fee — The $95 Annual Fee is refundable only if you voluntarily close the Account within 30 days after the Closing Date of the statement showing the fee, subject to a Massachusetts exception whose scope is unclear.

Account & Service Control · Permission or license

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

American Express has the right to add, modify or remove any benefit, feature or service included with or related to your Account at its discretion.

Supporting quotations

We have the right to add, modify or remove any benefit, feature or service included with or related to your Account at our discretion.

Not stated here

• The passage does not describe notice before a benefit is changed or removed.