Amex EveryDay® Preferred Credit Card Agreement

Account & Service Control · Restriction or exception

Card use is for personal, family or household purposes; plans, cash advances and 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 make balance transfers, so those are not guaranteed. 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

• The use restriction is to personal, family or household purposes only; the text does not define business use or state a consequence.

Account & Service Control · Company practice

American Express may decline a charge, e.g. for suspected fraud or creditworthiness, and is not responsible for losses

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

• "For various reasons" is not limited to the two examples given.

Account & Service Control · Company practice

Additional Cards may be issued on request; Additional Card Members' use is reportable to credit reporting agencies

American Express may issue additional Cards on your Account at your request. Additional Card Members can use the Account under the Agreement's terms, and American Express may report their use of the Account to credit reporting agencies. If an annual fee applies to Additional Cards, it is shown on page 2 of Part 1.

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.

You may request a Card for an Additional Card Member.

Qualifications & exceptions

• Issuing additional Cards is at American Express's discretion ("may issue").
• Part 1 of this agreement lists the annual fee for additional cards as "None".

Account & Service Control · Company practice

You are responsible for all use by Additional Card Members and their permitted users; account information is shared

You are responsible for all use of the Account by Additional Card Members and anyone they allow to use it, and must pay for all charges made. You authorize American Express to give Additional Card Members information about your Account and to discuss it with them. Contact American Express to cancel an Additional Card Member's ability to use the Account. If an annual fee applies to an Additional Card, the refund policy in the Closing or suspending your Account sub-section of Part 3 applies, and where a single annual fee covers a group of Additional Cards it 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.

Account & Service Control · Company practice

American Express may add, modify or remove any benefit, feature or service 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

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

• No notice period for benefit changes is stated.

Account & Service Control · Company practice

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

American Express sends notices by U.S. mail, courier or electronically using the information in its records. A notice is considered given when it is mailed or delivered 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.

Account & Service Control · Permission or license

You authorize American Express, affiliates, agents and collectors to contact you by any means, including automated calls

For servicing the account or collecting amounts owed, you authorize American Express 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 them, or at which they believe they can reach you. They may use calls, texts, emails, mobile app push notifications or any other method permitted by law, may use an automated dialer or prerecorded messages, and may contact you on a mobile 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 is tied to servicing the account or collecting amounts owed.
• Methods are limited to those "permitted by law".

Not stated here

• The text does not describe how to withdraw this consent or limit contact methods.

Account & Service Control · Restriction or exception

You must notify American Express immediately of 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, and separately for each Account if you have more than one. American Express may update your billing address if it receives information that it 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.

Not stated here

• The sources of information American Express may use to update a billing address are not stated.

Account & Service Control · Company practice

Default triggers: violations, false information, bankruptcy, other defaults, or doubt you can or will pay

American Express may consider the Account in default if you violate a provision of the Agreement, give false information, file for bankruptcy, default under another agreement with it or an affiliate, or if it believes you are unable or unwilling to pay your debts when due. The last trigger rests on its belief, not on a missed payment.

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

• Default is at American Express's option ("may consider").

Not stated here

• The terms of any other agreement with American Express or an affiliate, whose breach can also trigger default, are not supplied here.

Account & Service Control · Company practice

On default, incapacity or death, American Express may suspend charges, cancel features or demand full payment

If American Express considers the Account in default, or 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, require you to pay more than the Minimum Payment Due immediately, and require you 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

• Limited "to the extent permitted by federal and applicable state law".

Account & Service Control · Company practice

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

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

• Reinstatement is only if American Express "agrees".

Not stated here

• The amount of the reinstatement fee is not stated in this passage; the $25 re-opening fee appears elsewhere.

Account & Service Control · User right or choice

You may close the Account by calling or writing; the annual fee is refunded only within 30 days of its statement

You may close the Account by calling or writing to American Express. If an annual fee applies, it will be refunded if you voluntarily close the Account within 30 days after the Closing Date of the statement on which the fee appears. After 30 days it is non-refundable, and the policy does not apply if your billing address is in Massachusetts when you close. If the Account is cancelled and re-opened at your request, a $25 fee may be charged.

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 applies only to voluntary closure notified within 30 days of the fee statement's Closing Date.