Membership Rewards Terms and Conditions — October 2026

Account & Service Control · User right or choice

New York Card Members can keep using points for 90 days in certain situations

A footnote says New York Card Members can continue to use points 'in these scenarios' for 90 days by calling the number on the back of their Card. A New York Card Member is a Card Member with a New York billing address on a linked Card Account. The footnote marker appears on the sentence saying you generally can't use points, and American Express may cancel your Rewards Account, if your Product is in restricted status, cancelled or past due, or there is a returned payment outstanding.

Supporting quotations

1New York Card Members can continue to use points in these scenarios for 90 days by calling the number on the back of their Card. "New York Card Member" means a Card Member with a New York billing address on a linked Card Account.

Generally, you can't use points, and we may cancel your Rewards Account, if your Product is in restricted status, cancelled or past due, or there is a returned payment outstanding

Qualifications & exceptions

• Limited to Card Members with a New York billing address on a linked Card Account.
• The extra use of points lasts 90 days and is arranged by calling the number on the back of the Card.

Not stated here

• The footnote says 'these scenarios' without naming them, and the same marker also appears on other headings later in the document; this card ties it only to the sentence about restricted, cancelled or past due Products and returned payments.

Cross-references

• qualifies (model-proposed): Points generally cannot be used if your Product is restricted, cancelled or past due — The first footnote lets New York Card Members keep using points for 90 days in the scenarios the footnote marker is attached to.

Account & Service Control · Context

Which program section applies to you: Card, Checking, or both

The 'Program Terms and Conditions for Card Members' section applies if you have a Card Account. If you also have a Checking Account, the document says to read it together with the 'Program Terms and Conditions for Checking Accounts' section. That section applies if you have an American Express Rewards Checking Account or an American Express Business Checking Account, and if you also have a Card you should read both sections.

Supporting quotations

Program Terms and Conditions for Card Members

If you have a Card Account, this section, 'Program Terms and Conditions for Card Members' applies to you. If you also have a Checking Account, please make sure you read this section as well as ‘Program Terms and Conditions for Checking Accounts’.

Program Terms and Conditions for Checking Accounts

If you have an American Express Rewards Checking Account (“Rewards Checking”) or an American Express Business Checking Account (“Business Checking”) (each, a “Checking Account”), this section, 'Program Terms & Conditions for Checking Accounts' applies to you. If you also have a Card, please make sure you read this section as well as 'Program Terms & Conditions for Card Members'.

Qualifications & exceptions

• The Card Members section applies to people with a Card Account; the Checking Accounts section to Rewards Checking or Business Checking owners.

Account & Service Control · Procedure

Where to ask about additional points and merchant categories

For frequently asked questions about how merchants are categorized or whether purchases made with third parties are eligible for additional rewards, the document points to a rewards information web page. For questions about additional points on a purchase, you can call the number on the back of your Card, and a web page gives more information about rewards.

Details not recorded for this card

Supporting quotations

For frequently asked questions about how merchants are categorized or whether purchases made with third parties are eligible for additional rewards, please visit americanexpress.com/en-us/benefits/rewards/rewards-information/.

For questions about additional points on a purchase, call the number on the back of your Card. Please visit membershiprewards.com/pointsinfo for more information about rewards.

Not stated here

• The content of the linked pages is not supplied in this source.

Account & Service Control · Restriction or exception

Partner transfers are not available if the only linked Card Product is a Legacy Card

A footnote on the partner-transfer heading says that if the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Supporting quotations

Transfer points to partner loyalty programs1

1If the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Qualifications & exceptions

• Applies when the only Card Product linked is a Legacy Card; the 'Compare Products' section lists Legacy Cards.

Not stated here

• The footnote marker '1' is used with different footnote text elsewhere in the document; this card ties it only to the partner-transfer heading.

Cross-references

• qualifies (model-proposed): You may be able to transfer points to partner loyalty programs after linking accounts — The footnote removes partner transfers for holders whose only linked Card Product is a Legacy Card.

Account & Service Control · User right or choice

You can ask to stop having Pay with Points with a participating brand

If you no longer want the option to use Pay with Points with a participating third-party brand, you are told to call the number on the back of your Card.

Supporting quotations

If you no longer want the option to Use Pay with Points with a participating third-party brand, please call the number on the back of your Card.

Account & Service Control · Restriction or exception

Taxi-fare points are not available if the only linked Card Product is a Legacy Card

A footnote on the taxi-fare heading says that if the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Supporting quotations

Use points for taxi fares1

1If the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

Qualifications & exceptions

• Applies when the only Card Product linked is a Legacy Card.

Cross-references

• qualifies (model-proposed): Points can be used for fares in certain New York City taxis — The footnote removes taxi-fare redemptions for holders whose only linked Card Product is a Legacy Card.

Account & Service Control · Context

A footnote under the gift card list says the option is unavailable to Legacy-Card-only holders

After the list of things to know about gift cards, a footnote repeats that if the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you. The paragraph above that list says a Legacy-Card-only holder can still use points toward American Express Gift Cards. The footnote has no visible marker in the supplied text, so which gift card statement it refers to is unclear. A later summary sentence also says redemption availability is limited for Legacy Card holders, as described in the Card Members section.

Supporting quotations

However, if the only Card Product linked to your Rewards Account is a Legacy Card, you can only use points towards American Express Gift Cards and you cannot use points towards merchant gift cards.

1If the only Card Product linked to your Rewards Account is a Legacy Card, this redemption option is not available to you.

However, if you only have a Legacy Card Product linked to your Rewards Account, availability of redemption options will be limited

Qualifications & exceptions

• Source ambiguity: the two passages quoted give different pictures for a Legacy-Card-only holder (American Express Gift Cards allowed versus option not available).

Not stated here

• The supplied text does not show which gift card statement the footnote is attached to, so this document does not settle whether a Legacy-Card-only holder can use points for American Express Gift Cards.

Account & Service Control · Restriction or exception

You may lose access to digital gift cards if your Product closes

A digital gift card order appears in your Digital Gift Card Wallet. If one or more of your Products are closed, you may lose access to some or all of your digital gift cards. You must print your digital gift card information before your Product(s) close to keep access after closure.

Supporting quotations

Your digital gift card order will appear in your Digital Gift Card Wallet. If one or more of your Products are closed, you may lose access to some or all of your digital gift cards. You must print your digital gift card information prior to the closing of your Product(s) to ensure access to your digital gift cards after Product closure.

Qualifications & exceptions

• Loss of access 'may' happen when one or more Products are closed.

Not stated here

• The passage does not say whether a gift card's value is lost or only your access to it.

Account & Service Control · Context

The Checking Accounts section applies to Rewards Checking and Business Checking owners

The 'Program Terms & Conditions for Checking Accounts' section applies if you have an American Express Rewards Checking Account or an American Express Business Checking Account (each a Checking Account). If you also have a Card, the document says to read this section together with the Card Members section.

Supporting quotations

Program Terms and Conditions for Checking Accounts

If you have an American Express Rewards Checking Account (“Rewards Checking”) or an American Express Business Checking Account (“Business Checking”) (each, a “Checking Account”), this section, 'Program Terms & Conditions for Checking Accounts' applies to you. If you also have a Card, please make sure you read this section as well as 'Program Terms & Conditions for Card Members'.

Qualifications & exceptions

• Defines 'Checking Account' as Rewards Checking or Business Checking.

Account & Service Control · Restriction or exception

Second named Rewards Checking owners earn but cannot redeem

Rewards Checking account owners can add a second named account owner. A second named owner earns points in the same manner as the first named owner, but all points accrue into the first named account owner's Rewards Account. Only first named account owners can redeem points; second named owners are not eligible to redeem. For terms related to your Checking Account Product, the document refers you to a separate document you received on enrollment.

Supporting quotations

Rewards Checking account owners can add an additional (second named) account owner to their Rewards Checking account. Second named Rewards Checking account owners will earn points in the same manner as a first named account owner, but all points will be accrued into the first named account owner's Rewards Account. Please see the 'Earn Points' section in 'Program Terms & Conditions for Checking Accounts' section for additional information.

Only first named account owners can redeem points. Second named account owners are not eligible to redeem. For terms and conditions related to your Checking Account Product, please refer to the separate document that you received upon enrollment.

Qualifications & exceptions

• Applies to Rewards Checking accounts.

Not stated here

• The separate Checking Account Product document is not supplied in this source.

Account & Service Control · Restriction or exception

Business Checking: Admin user purchases earn points for the owner, who alone can redeem

Business Checking account owners can add an Admin user. The owner earns points on eligible Business Debit Card purchases made by Admin users, and all those points are credited to the owner's Rewards Account. Only Business Checking account owners can redeem points; Admin users are not eligible. For terms related to your Checking Account Product, the document refers you to a separate document you received on enrollment.

Supporting quotations

Business Checking account owners can add an Admin user to their Business Checking account. Business Checking account owners will earn points on eligible Business Debit Card purchases made by Admin users. All points earned on eligible purchases made by Admin users will be credited to the account owner’s Rewards Account. Please see the ‘Earn Points’ section in ‘Program Terms & Conditions for Checking Accounts’ section for additional information.

Only Business Checking account owners can redeem points. Admin users are not eligible to redeem. For terms and conditions related to your Checking Account Product, please refer to the separate document that you received upon enrollment.

Qualifications & exceptions

• Applies to Business Checking accounts.

Not stated here

• The separate Checking Account Product document is not supplied in this source.

Account & Service Control · Context

The Lose Points section applies to all enrolled Products

The Lose Points section applies to all Products enrolled in the Rewards Program, including without limitation Card Accounts and Checking Accounts. Which sections apply to you may vary depending on the Products you have.

Details not recorded for this card

Supporting quotations

Lose Points

This section of the Terms and Conditions applies to all Products enrolled in the Rewards Program (including without limitation Card Accounts and Checking Accounts). Sections applicable to you may vary depending on the Products you have.

Account & Service Control · Procedure

If you think points were removed in error, call

If you feel points were removed in error, the document tells you to call the number on the back of your Card.

Details not recorded for this card

Supporting quotations

If you feel points were removed in error, please call the number on the back of your Card.

Not stated here

• The passage does not describe how an error claim is decided or whether points are restored.

Account & Service Control · Restriction or exception

A suspended Corporate Card can suspend your ability to use points

If your Corporate Card is the only Card linked to your Rewards Account and American Express suspends your ability to make charges with the Card for any reason, including bankruptcy or insolvency of your employer, it will also suspend your ability to use the points in your Rewards Account. You can use the points when the suspension of your ability to make charges ends.

Supporting quotations

If your Corporate Card is the only Card linked to your Rewards Account, and we suspend your ability to make charges with your Card for any reason (including bankruptcy or insolvency of your employer), we'll also suspend your ability to use the points in your Rewards Account

You can use the points when your ability to make charges with your Card is no longer suspended.

Qualifications & exceptions

• Applies when the Corporate Card is the only Card linked to the Rewards Account.
• The suspension is temporary: points can be used when the charging suspension ends.

Account & Service Control · User right or choice

New York Card Members can keep using points for 90 days under the second footnote

A second footnote says New York Card Members can continue to use points 'in this scenario' for 90 days by calling the number on the back of their Card, with New York Card Member defined as a Card Member with a New York billing address on a linked Card Account. The footnote follows the Corporate Card suspension paragraph. The same footnote marker (2) also appears earlier on the sentences about losing all points when a Product is cancelled; the footnote does not say whether the New York exception extends to those sentences.

Supporting quotations

2New York Card Members can continue to use points in this scenario for 90 days by calling the number on the back of their Card. "New York Card Member" means a Card Member with a New York billing address on a linked Card Account.

we'll also suspend your ability to use the points in your Rewards Account

Qualifications & exceptions

• Limited to Card Members with a New York billing address on a linked Card Account.
• The extra period is 90 days and is arranged by calling the number on the back of the Card.

Not stated here

• The footnote says 'this scenario' without naming it; the supplied text does not settle whether it covers only the Corporate Card suspension or also the loss-of-points sentences that carry the same marker.

Account & Service Control · Procedure

Questions about the terms: call the program number

If you have any questions about anything in these Terms and Conditions, the document tells you to call 1-800-AXP-EARN (1-800-297-3276).

Details not recorded for this card

Supporting quotations

Questions?

If you have any questions about anything in these Terms and Conditions, call us at 1-800-AXP-EARN (1-800-297-3276).

Account & Service Control · Restriction or exception

For Corporate Cards your company decides whether the Card can take part

Your company determines whether your Corporate Card is eligible to participate in the Rewards Program and can change participation at any time.

Supporting quotations

Corporate Cards

Your company determines if your Corporate Card is eligible to participate in the Rewards Program and can change participation at any time.

Qualifications & exceptions

• Participation is decided by the company, not by the Card Member.

Account & Service Control · Restriction or exception

Notes after the Corporate Cards table: fee billing, own-name enrollment, linking and company blocks

The notes after the Corporate Cards table say: (1) if you pay an annual program fee, American Express bills your Card Account for it on the anniversary of your enrollment date until you unenroll by calling the number on the back of your card; (2) you can only enroll if your Corporate Card is issued in your own name; (3) Corporate Cards from the same company can't be linked to the same Rewards Account; and (4) you may not enroll if your company blocks Corporate Card enrollment in the Rewards Program.

Supporting quotations

| Notes 1. If you pay an annual program fee for the Rewards Program, we'll bill your Card Account for the fee on the anniversary of your enrollment date (the day we finish processing your enrollment) until you unenroll in the Rewards Program by calling the number on the back of your card. 2. You can only enroll in the Rewards Program if your Corporate Card is issued in your own name. 3. Corporate Cards from the same company can't be linked to the same Rewards Account. 4. You may not enroll if your company blocks Corporate Card enrollment in the Rewards Program. |

Qualifications & exceptions

• Applies to Corporate Cards.
• Note 3 is about Corporate Cards from the same company; an earlier passage says Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.

Not stated here

• The two linking statements use different wording ('from the same company' versus 'issued to more than one individual'); the text does not say whether they cover exactly the same Cards.

Cross-references

• refers to (model-proposed): Products may be linked to one Rewards Account — Note 3 on Corporate Cards and the earlier sentence about Corporate Cards issued to more than one individual both limit linking Corporate Cards to a single Rewards Account, with different wording.

Account & Service Control · Context

Legacy Cards (Consumer): Blue, Optima Platinum and ZYNC are automatically enrolled with no extra points

The Legacy Cards (Consumer Cards) table lists Blue from American Express Cards (applicable for certain Blue cards), Optima Platinum Card and ZYNC Card, each automatically enrolled with no annual enrollment fee and 'No' under additional points on some purchases. A note says Legacy Card names can look similar to the names of other Cards that are not Legacy Cards and have access to all redemption options, and that the complete name of your Card is printed at the top of your billing statement.

Supporting quotations

Legacy Cards (Consumer Cards)

| Product Name (1) | Automatically Enrolled? | Annual Enrollment Fee | Additional points on some purchases |

| Blue from American Express® Cards (applicable for certain Blue cards) | Yes | None | No |

| Optima® Platinum Card® | Yes | None | No |

| ZYNC® Card | Yes | None | No |

| Notes 1. Legacy Card names can look similar to the names of other Cards that are not Legacy Cards and have access to all redemption options. You can find the complete name of your Card printed on the top of your billing statement. |

Qualifications & exceptions

• Columns follow the Legacy Cards header row: Product Name (1), Automatically Enrolled?, Annual Enrollment Fee, Additional points on some purchases.
• Only certain Blue cards are Legacy Cards.
• Legacy Card status affects which redemption options are available when only a Legacy Card is linked.

Account & Service Control · Context

Legacy Cards (Business): Business Management Account, Platinum Business Credit Card, Blue for Business

The Legacy Cards (Business Cards) table lists Business Management Account (not automatically enrolled, no annual enrollment fee, no additional points), Platinum Business Credit Card, which the table says is not the Business Platinum Card (not automatically enrolled, no fee, no additional points), and Blue for Business Credit Card (Automatically Enrolled? says 'Contact us to find out', no fee, no additional points). The same note about similar Card names applies.

Supporting quotations

Legacy Cards (Business Cards)

| Product Name (1) | Automatically Enrolled? | Annual Enrollment Fee | Additional points on some purchases |

| Business Management Account | No | None | No |

| Platinum Business Credit Card® (not the “Business Platinum Card®”) | No | None | No |

| Blue for Business® Credit Card | Contact us to find out | None | No |

| Notes 1. Legacy Card names can look similar to the names of other Cards that are not Legacy Cards and have access to all redemption options. You can find the complete name of your Card printed on the top of your billing statement. |

Qualifications & exceptions

• Columns follow the Legacy Cards header row: Product Name (1), Automatically Enrolled?, Annual Enrollment Fee, Additional points on some purchases.
• The Platinum Business Credit Card is distinguished from the Business Platinum Card.

Not stated here

• For Blue for Business Credit Card, the table does not say whether automatic enrollment applies.

Account & Service Control · Company practice

Checking Accounts: automatically enrolled, no extra points on purchases

The Checking Accounts table lists the American Express Rewards Checking Account and the American Express Business Checking Account. Each shows 'Yes' under Automatically Enrolled?, 'No' under Annual Program Fee and 'No' under additional points on some purchases.

Supporting quotations

Checking Accounts

| Product Name | Automatically Enrolled? | Annual Program Fee | Additional points on some purchases |

| American Express Rewards Checking Account | Yes | No | No |

| American Express Business Checking Account | Yes | No | No |

Qualifications & exceptions

• Columns follow the Checking Accounts header row: Product Name, Automatically Enrolled?, Annual Program Fee, Additional points on some purchases.
• Checking Accounts earn at the Debit Card rate described in the Checking Accounts section.

Account & Service Control · Company practice

Each Product is linked to a Rewards Account; a new Product gets a new one

Each Product enrolled in the Rewards Program is linked to a Rewards Account. When you open a new Product, a new Rewards Account will be created and linked to that Product.

Supporting quotations

Each Product enrolled in the Rewards Program is linked to a Rewards Account. When you open a new Product, a new Rewards Account will be created and linked to that Product.

Qualifications & exceptions

• Stated as part of the updated 'Rewards Account Linking and Redemption Options' section, effective immediately.
• The earlier text says American Express may automatically link multiple Products to the same Rewards Account; the notice says completely replaced conflicting terms.

Not stated here

• The text does not say whether the earlier 'may automatically link' sentence is among the replaced terms.

Cross-references

• contrast (model-proposed): Products may be linked to one Rewards Account — The earlier linking text says American Express may automatically link multiple Products to the same Rewards Account; the Detail of Changes says each new Product gets a new Rewards Account and that conflicting earlier terms are completely replaced. The document does not say which earlier sentences are replaced.

Account & Service Control · User right or choice

Updated linking: you may link Products to one Rewards Account and points consolidate

Under the updated linking text, if you have multiple Products with separate Rewards Accounts, you may choose to link some or all of them to the same Rewards Account. Once linked, points earned on each linked Product are consolidated into a single points balance. You can link by connecting your Rewards Accounts online or in the Amex App through the 'Manage Connections' option, and additional terms and conditions may apply when connecting online. You can also add or remove Products from a Rewards Account at any time by calling the number on the back of your Card.

Supporting quotations

If you have multiple Products with separate Rewards Accounts, you may choose to link some or all of your Products to the same Rewards Account. Once your Products are linked to the same Rewards Account, points earned on each linked Product will be consolidated into a single points balance.

You can link your Products to the same Rewards Account by connecting your Rewards Accounts online or in the Amex App by logging in and navigating to the ‘Manage Connections’ option. Additional terms and conditions may apply when connecting your Rewards Accounts online.

You can also add or remove Products from a Rewards Account at any time by calling the number on the back of your Card.

Qualifications & exceptions

• Linking is your choice under this text.
• Additional terms may apply when connecting Rewards Accounts online.

Not stated here

• The additional terms for connecting Rewards Accounts online are not supplied in this source.

Account & Service Control · Context

Where to find FAQs and program updates

The document points to an online FAQ page and to a page summarizing recent updates to the Rewards Program, including information about the availability of redemption options.

Details not recorded for this card

Supporting quotations

For additional information and frequently asked questions, please visit us online at https://www.americanexpress.com/us/mrfaqs.

For a summary of recent updates to the Rewards Program, including information about the availability of redemption options, please visit: URL www.americanexpress.com/mrupdates/.

Not stated here

• The content of the FAQ and updates pages is not supplied in this source.

Account & Service Control · Restriction or exception

You need at least one eligible, enrolled product

To take part in the Rewards Program and have a Rewards Account, you must have at least one eligible and enrolled product (a Product). The 'Compare Products' section lists Products and enrollment requirements, and American Express may change Product eligibility at any time. The introduction to that section adds that Card Products must be issued by American Express or one of its affiliates in the U.S. and be billed in U.S. dollars.

Supporting quotations

Eligibility and Enrollment: To participate in the Rewards Program and to have an account (a Rewards Account), you must have at least one eligible and enrolled product (a Product).

Please refer to the 'Compare Products' section of these Terms and Conditions for a list of Products, enrollment requirements and other important details. We may change Product eligibility at any time.

Compare Products

Card Products must be issued by American Express or one of its affiliates in the U.S. and be billed in U.S. dollars.

Qualifications & exceptions

• Eligibility can change at any time.
• Card Products must be issued by American Express or an affiliate in the U.S. and billed in U.S. dollars.

Not stated here

• The specific eligible Products and enrollment requirements are in the 'Compare Products' tables, covered in separate cards.

Account & Service Control · Restriction or exception

Primary holders receive the terms; additional Card Members have no Rewards Account

This document is addressed to the primary Card Account holder (a Basic Card Member) or the primary account holder of another Product, whose Product is now enrolled in the Rewards Program. Additional Card Members on Consumer Card Accounts and Business Card Accounts will not have their own Rewards Accounts. Additional Card Members are those who have Cards tied to your Card Account.

Supporting quotations

You're receiving this document because you're the primary Card Account holder (a Basic Card Member) or the primary account holder of another Product. Your Product is now enrolled in the Rewards Program. Additional Card Members on Consumer Card Accounts and Business Card Accounts will not have their own Rewards Accounts. Additional Card Members or Additional Business Card Members are those who have Cards tied to your Card Account.

Qualifications & exceptions

• The statement about no separate Rewards Accounts is for additional Card Members on Consumer and Business Card Accounts.

Not stated here

• This passage does not say how additional Card Members' spending relates to the primary holder's Rewards Account.

Account & Service Control · Procedure

Products may be linked to one Rewards Account

If you have multiple Products, American Express may automatically link them to the same Rewards Account, and your ability to use points may differ based on your Product and the Products linked. To link or delink any Product to the same Rewards Account, you can call the number on the back of your Card. Corporate Cards issued to more than one individual may not be linked to a single Rewards Account. A 'Detail of Changes' notice near the end of the document updates the 'Rewards Account Linking and Redemption Options' section, effective immediately, and says conflicting earlier terms are completely replaced; it says each new Product gets a new Rewards Account and that you may choose to link Products to the same Rewards Account. The notice does not say whether the 'may automatically link' sentence is among the replaced terms.

Supporting quotations

Rewards Account Linking and Redemption Options: If you have multiple Products, we may automatically link them to the same Rewards Account. Your ability to use points may differ based on your Product and/ or the Products linked to the Rewards Account.

If you would like to link or delink any of the Products to the same Rewards Account, you may call us at the number listed on the back of your Card to do so.

Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.

Qualifications & exceptions

• Linking may be automatic.
• Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.
• The later Detail of Changes notice updates this section and completely replaces conflicting earlier terms; see the separate cards on that notice.

Not stated here

• The linking instruction refers to the number on the back of your Card; this passage does not say how someone with no Card would link or delink.
• Which parts of this linking text the later Detail of Changes notice replaces is not stated.

Cross-references

• contrast (model-proposed): Each Product is linked to a Rewards Account; a new Product gets a new one — The earlier linking text says American Express may automatically link multiple Products to the same Rewards Account; the Detail of Changes says each new Product gets a new Rewards Account and that conflicting earlier terms are completely replaced. The document does not say which earlier sentences are replaced.
• referred to by (model-proposed): Notes after the Corporate Cards table: fee billing, own-name enrollment, linking and company blocks — Note 3 on Corporate Cards and the earlier sentence about Corporate Cards issued to more than one individual both limit linking Corporate Cards to a single Rewards Account, with different wording.

Account & Service Control · Restriction or exception

Points generally cannot be used if your Product is restricted, cancelled or past due

Under 'You agree that,' you generally can't use points, and American Express may cancel your Rewards Account, if your Product is in restricted status, cancelled or past due, or there is a returned payment outstanding. A footnote marker (1) follows this sentence; its text appears after the list and is explained in its own card.

Supporting quotations

Generally, you can't use points, and we may cancel your Rewards Account, if your Product is in restricted status, cancelled or past due, or there is a returned payment outstanding

Qualifications & exceptions

• 'Generally' signals this is a general rule; the passage does not list every exception.
• Account cancellation is something American Express 'may' do.

Not stated here

• The exceptions the word 'Generally' alludes to are not spelled out in this passage; the footnote marker leads to a separate statement.

Cross-references

• qualified by (model-proposed): New York Card Members can keep using points for 90 days in certain situations — The first footnote lets New York Card Members keep using points for 90 days in the scenarios the footnote marker is attached to.

Account & Service Control · Context

Compare Products: which Products are eligible and how they differ

The Compare Products section shows the American Express Products eligible to participate in the Rewards Program and summarizes some of the Rewards Program differences between Products. Card Products must be issued by American Express or one of its affiliates in the U.S. and be billed in U.S. dollars. Some Products earn additional points on certain purchases while others do not, and the value of points you earn depends on which Product you have; a web page shows the value of points by Product. The document also points to a page to browse and compare available Membership Rewards Products.

Supporting quotations

Compare Products

The table below shows the American Express Products that are eligible to participate in the Rewards Program. Card Products must be issued by American Express or one of its affiliates in the U.S. and be billed in U.S. dollars. It also summarizes some of the Rewards Program differences between the Products.

Also, some Products will earn additional points on certain purchases, while others won't. The value of the points you earn depends on which Product you have. Visit membershiprewards.com/pointsinfo to see the value of points by Product.

For additional information, you can browse and compare available Membership Rewards Products by visiting americanexpress.com/us/credit-cards/category/reward-points.

Qualifications & exceptions

• Card Products must be issued in the U.S. by American Express or an affiliate and billed in U.S. dollars.

Not stated here

• The value of points by Product is on a linked page that is not supplied in this source.