Membership Rewards Terms and Conditions — October 2026

Charges & Financial Obligations · Restriction or exception

You are responsible for taxes on earning or using points

Under 'You agree that,' you are responsible for learning about and paying any federal, state or local taxes that may apply to earning or using points. Points may be considered taxable income to you and may be reported to the IRS on Form 1099 or Form 1042-S. The document suggests consulting a tax advisor with questions about tax treatment.

Supporting quotations

You agree that:

You're responsible for learning about and paying any federal, state or local taxes that may apply to earning or using points. Points may be considered taxable income to you and may be reported to the IRS on Form 1099 or Form 1042-S. Please consult your tax advisor if you have questions about the tax treatment of earning or using points.

Qualifications & exceptions

• Points 'may be' considered taxable income and 'may be' reported; the passage does not say that every point is.

Not stated here

• Which specific earning or redemption events are reported, and the tax result for you, are not stated.

Charges & Financial Obligations · Restriction or exception

Points are not your property and cannot be transferred, sold or passed on

Under 'You agree that,' points don't belong to you and are not your property. You can't transfer them to someone else's Rewards Account, you can't sell them, and you can't pass them on as part of a legal action such as a divorce, an inheritance or bankruptcy.

Supporting quotations

Points don't belong to you and are not your property. You can't transfer them to someone else's Rewards Account, you can't sell them, and you can't pass them on as part of a legal action, such as a divorce, an inheritance or bankruptcy.

Qualifications & exceptions

• The restrictions are on transferring to another Rewards Account, selling, and passing on in a legal action; transfers of points to partner loyalty programs are described elsewhere.

Not stated here

• The passage does not say what happens to points when an account holder dies or when a legal action occurs, beyond saying they cannot be passed on.

Charges & Financial Obligations · Context

The value of points varies with how you use them

Under 'You agree that,' the value of points varies according to how you choose to use them. The document points to a web page to learn more.

Supporting quotations

The value of points varies according to how you choose to use them. To learn more, visit membershiprewards.com/pointsinfo.

Not stated here

• No point values are stated in this passage; the linked page is not supplied.

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.

Charges & Financial Obligations · Company practice

Card Members earn one point per dollar on eligible purchases

Card Members earn one point for every dollar of spend on an eligible purchase using an enrolled Card. The Checking Accounts section sets a different rate for Debit Card purchases, covered separately.

Supporting quotations

Conditions for earning points: Card Members will earn one point for every dollar of spend on an eligible purchase using an enrolled Card.

Qualifications & exceptions

• Applies to Card Members using an enrolled Card, for eligible purchases only.
• Additional points for some purchases depend on the Product (see the separate card).

Charges & Financial Obligations · Restriction or exception

What counts as an eligible purchase and what does not

An eligible purchase is a purchase made on your Card for goods and services minus returns and other credits. Eligible purchases do not include: cash advances and cash equivalents, including Gift Cards; person-to-person transactions; balance transfers; Express Cash or Corporate Express Cash; purchases of traveler's checks; American Express Gift Cards bought online; purchases or reloading of prepaid cards; fees or interest charges on your Card Account; foreign exchange fees and fees for account services; fees for any Card Member services you enroll in; Rewards Program fees and charges; and purchases covered by points or other rewards at point of sale.

Supporting quotations

An eligible purchase is a purchase made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include:

Cash advances and cash equivalents, including Gift Cards

Person-to-person transactions

Balance transfers

Express Cash or Corporate Express Cash

Purchases of traveler's checks

American Express Gift Cards bought online

Purchases or reloading of prepaid cards

Fees or interest charges on your Card Account

Foreign exchange fees and fees for account services

Fees for any Card Member services you enroll in

Rewards Program fees and charges

Purchases covered by points or other rewards at point of sale

Qualifications & exceptions

• Returns and other credits are subtracted from purchases.

Not stated here

• The terms 'cash equivalents' and 'account services' are not defined in this passage.

Charges & Financial Obligations · Permission or license

American Express decides the eligible-purchase list and may remove points

The list of eligible purchases and exclusions is determined by American Express in its sole discretion and is subject to change at any time, without notice. American Express may remove points from your Rewards Account if it determines that those points were earned on ineligible purchases.

Supporting quotations

This list of eligible purchases and exclusions is determined by American Express in its' sole discretion and is subject to change at any time, without notice. We may remove points from your Rewards Account if we determine that those points were earned on ineligible purchases.

Qualifications & exceptions

• Changes to the list can happen without notice.

Not stated here

• This passage does not give a time limit for removing points or any process for disputing a removal.

Charges & Financial Obligations · Restriction or exception

You earn points only if your payment is timely

You earn points for eligible purchases only if American Express receives timely payment of the minimum amount due on your Card Account billing statement. For a Consumer Card Account or a Business Card Account, the document says payment must be received by the Payment Due Date shown on that billing statement. For a Corporate Card account, payment must be received by the Closing Date of the next billing period. The wording moves between the 'minimum amount due' and 'the amount due'.

Supporting quotations

You earn points for eligible purchases only if we receive timely payment of the minimum amount due on your Card Account billing statement. If your Card Account is a Consumer Card Account or a Business Card Account, you must pay the amount due on your billing statement so that we receive your payment by the Payment Due Date shown on that billing statement. If your Card Account is a Corporate Card account, you must pay the amount due on your Card Account statement so that we receive your payment by the Closing Date of the next billing period.

Qualifications & exceptions

• Due-date rule differs by account type: Payment Due Date for Consumer and Business Card Accounts; Closing Date of the next billing period for Corporate Card accounts.

Not stated here

• The first sentence says 'the minimum amount due' while the next two say 'the amount due'; the passage does not say whether 'amount due' there means the minimum or the full statement balance.

Charges & Financial Obligations · Restriction or exception

Points from a billing period are not earned if payment is not timely

If you don't make a timely payment of the minimum amount due on your Card Account, any points accrued from that Card Account during the period covered by the billing statement will not be earned and will not post to your Rewards Account.

Supporting quotations

If you don't make a timely payment of the minimum amount due on your Card Account, any points accrued from that Card Account during the period covered by the billing statement will not be earned and will not post to your Rewards Account.

Qualifications & exceptions

• Applies to points accrued from that Card Account during the billing statement's period.

Charges & Financial Obligations · Procedure

You can request unearned points after paying, for a $35 fee per billing period

You can eventually earn the points not earned because of a late payment, but first you must pay the amounts due on your Card Account or Accounts. After you pay, you must request those points from American Express and pay a $35 fee for each billing period, and each Card Account, for which you request points. You must request the points within 12 months after the billing period in which you didn't earn them.

Supporting quotations

You can eventually earn these points, but first you must pay the amounts due on your Card Account or Accounts. After you pay the amounts due on your Card Account, you must request those points from us and pay a $35 fee for each billing period, and each Card Account, for which you requested the points. You must request the points within 12 months after the billing period in which you didn't earn them.

Qualifications & exceptions

• $35 applies per billing period and per Card Account.
• The request must be made within 12 months after the billing period in which the points were not earned.

Not stated here

• The passage does not say how to make the request or whether American Express must grant it.

Charges & Financial Obligations · Context

Additional points on some purchases depend on your Card

The document refers you to the 'Compare Products' section to see whether your Card earns additional points for certain purchases. You can check your online account to see which of your recent purchases earned additional points.

Details not recorded for this card

Supporting quotations

Conditions for earning additional points: Check the 'Compare Products' section of these Terms and Conditions to see if your Card earns additional points for certain purchases. You can check your online account to see which of your recent purchases earned additional points.

Not stated here

• Which Cards earn additional points, and on which purchases, are in the Compare Products tables, not in this passage.

Charges & Financial Obligations · Restriction or exception

Additional points depend on merchant categories and how the purchase is identified

Merchants are assigned codes based on what they primarily sell, and American Express groups certain merchant codes into categories that are eligible to earn additional points. A purchase with a merchant will not earn additional points if the merchant's code is not in an additional points category. You may not receive additional points if American Express receives inaccurate information or can't identify your purchase as eligible for an additional points category, for example when a merchant uses a third party to sell its products or services, uses a third party to process or submit your transaction (such as mobile or wireless card readers), or you choose to make a purchase using a third-party payment account or a mobile or digital wallet.

Supporting quotations

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible to earn additional points. A purchase with a merchant will not earn additional points if the merchant's code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when:

a merchant uses a third-party to sell their products or services; or

a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or

you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

Qualifications & exceptions

• 'May not receive' signals that the listed situations do not always prevent additional points; they are examples ('For example').

Not stated here

• Which merchant codes fall in which category is not stated here.

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.

Charges & Financial Obligations · User right or choice

Returning a reward gives you points back or a credit

When you return a reward you got with points, you'll either get the points back in your Rewards Account or get a credit on your Card Account. If you get a credit, you may be able to change it back into points by asking at the listed phone number.

Supporting quotations

When you return a reward: When you return a reward you got with points, you'll either get the points back in your Rewards Account or get a credit on your Card Account. If you get a credit, you may be able to change it back into points. Ask us at 1-800-AXP-EARN (297-3276).

Qualifications & exceptions

• Which outcome applies (points back or credit) is not stated.
• Changing a credit back into points is something you 'may be able to' do.

Not stated here

• The passage does not say which rewards can be returned or what determines points back versus credit. Another passage says redemptions cannot be reversed; this passage does not say how the two fit together.

Cross-references

• contrast (model-proposed): Redemptions cannot be reversed; third-party programs are not controlled by American Express — One passage says redemptions cannot be reversed, while another describes getting points back or a credit when you return a reward. The document does not say how the two fit together.

Charges & Financial Obligations · Permission or license

You may be able to transfer points to partner loyalty programs after linking accounts

You may be able to transfer points to participating partner loyalty programs, like those offered by airlines and hotels. You must first link your Rewards Account with your partner loyalty program account. The partner account must be in your name or the name of an Additional Card Member on your Card Account, and an Additional Card must have been issued to that Additional Card Member at least 90 days before linking. Additional terms may apply to transfers.

Supporting quotations

Transfer points to partner loyalty programs1

: You may be able to transfer points to participating partner loyalty programs, like those offered by airlines and hotels. You must link your Rewards Account with your partner loyalty program account before you can transfer points. In order to link your accounts, the partner loyalty program account must be in your name or the name of an Additional Card Member on your Card Account. An Additional Card must be issued to the Additional Card Member at least 90 days prior to linking your program account to that Additional Card Member's partner loyalty account. Additional terms may apply when transferring points to partner loyalty programs. To learn more, please visit: https://global.americanexpress.com/rewards/transfer.

Qualifications & exceptions

• 'May be able to': transfers are not promised for every program.
• Partner account must be in your name or an Additional Card Member's name; the Additional Card must be at least 90 days old before linking.
• Not available if the only Card Product linked is a Legacy Card (see the separate card).

Not stated here

• Which partner programs participate, and the 'additional terms' that may apply, are not stated in this passage.

Cross-references

• qualified by (model-proposed): Partner transfers are not available if the only linked Card Product is a Legacy Card — The footnote removes partner transfers for holders whose only linked Card Product is a Legacy Card.

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.

Charges & Financial Obligations · Restriction or exception

Transfers cannot be reversed and partner terms apply

Once you transfer points, the transfer cannot be reversed and the partner loyalty program's terms and conditions apply. American Express says it has no control over these programs and you are responsible for understanding all guidelines and restrictions before transferring points. The rate at which points are transferred varies by partner.

Supporting quotations

Once you transfer points, the transfer cannot be reversed and the partner loyalty program's terms and conditions apply. We have no control over these programs, and you are responsible for understanding all guidelines and restrictions before transferring points. The rate at which points are transferred to participating partner loyalty programs varies by partner. To learn more, please visit membershiprewards.com/pointsinfo.

Qualifications & exceptions

• The transfer rate varies by partner.

Not stated here

• The specific transfer rates are not stated in this passage.

Charges & Financial Obligations · Restriction or exception

Excise tax offset fee on transfers to U.S. airline programs

You'll pay an excise tax offset fee of $0.0006 per point, up to $99, for points transferred to a U.S. airline frequent flyer program. American Express says the fee offsets the federal excise tax it must pay when you transfer points and that it may be more or less than the actual excise tax paid on any individual transfer.

Supporting quotations

You'll pay an excise tax offset fee ($0.0006 per point, up to $99) for points transferred to a U.S. airline frequent flyer program. This fee offsets the federal excise tax we must pay when you transfer points. It may be more or less than the actual amount of the excise tax we pay on any individual transfer.

Qualifications & exceptions

• Applies to transfers to a U.S. airline frequent flyer program.
• Capped at $99.

Not stated here

• This passage does not say how the fee is paid (cash, points or otherwise).

Charges & Financial Obligations · Context

Flights booked with frequent flyer miles are not charged to your Card

If you book a flight using frequent flyer miles, it won't be charged to your Card Account. This means you won't receive insurance and other benefits that may apply when you charge a flight to your Card Account.

Details not recorded for this card

Supporting quotations

If you book a flight using frequent flyer miles, it won't be charged to your Card Account. This means you won't receive insurance and other benefits that may apply when you charge a flight to your Card Account.

Not stated here

• Which insurance or other benefits are meant is not stated here.

Charges & Financial Obligations · Company practice

Transfers to an airline program may be limited if it stops participating

If an airline loyalty program stops participating in the Rewards Program, American Express may limit the number of points you can transfer to that loyalty program before its participation ends. The limit will be at least 100,000 points.

Supporting quotations

If an airline loyalty program stops participating in the Rewards Program, we may limit the number of points you can transfer to that loyalty program before its participation ends. This limit will be at least 100,000 points.

Qualifications & exceptions

• The limit will be at least 100,000 points.

Charges & Financial Obligations · Procedure

How a partner transfer works: link, minimum amounts, processing time

To transfer points, you must first link your partner loyalty program account to your Rewards Account. Then you choose the number of points. In most cases you must transfer at least 1,000 points, and only in multiples of 1,000. Before booking tickets or hotel stays with the points, make sure the points have transferred. Transfers typically take 48 hours to process, but some programs delay posting points to your partner account.

Supporting quotations

Useful Tips:

To transfer points, you must first link your partner loyalty program account to your Rewards Account.

Then choose the number of points you want to transfer. In most cases, you must transfer a minimum of 1,000 points, and only in multiples of 1,000 points.

Before booking tickets or hotels stays using the points you moved be sure the points have transferred. Typically, it takes 48 hours to process the transfer but some programs delay posting points to your partner loyalty account.

Qualifications & exceptions

• 'In most cases' the minimum is 1,000 points and multiples of 1,000.
• Processing 'typically' takes 48 hours; some programs take longer.

Not stated here

• The cases where the 1,000-point minimum and multiples do not apply are not stated.

Charges & Financial Obligations · Restriction or exception

Transferred points cannot be converted back

Points you've transferred to a partner loyalty program account can't be converted back into Membership Rewards points.

Details not recorded for this card

Supporting quotations

Points you’ve transferred to a partner loyalty program account can’t be converted back into Membership Rewards points.

Charges & Financial Obligations · Restriction or exception

Partner programs can change their terms and American Express need not tell you

Partner loyalty programs may make changes to their award levels, blackout dates, capacity controls or terms and conditions at any time. American Express says it is not responsible for telling you about any changes the partner programs make.

Supporting quotations

Partner loyalty programs may make changes to their award levels, blackout dates, capacity controls or terms and conditions at any time. We are not responsible for telling you about any changes the partner loyalty programs may make.

Qualifications & exceptions

• Applies to changes made by the partner loyalty programs.

Charges & Financial Obligations · Permission or license

Pay with Points: where it can be used

You can use Pay with Points at checkout toward purchases with your Card at participating brands, or through American Express Travel. If the only Card Product linked to your Rewards Account is a Legacy Card, Pay with Points is available only for American Express Travel and not with other participating brands. Additional terms may apply when using Pay with Points with participating brands.

Supporting quotations

Use Points

Use Pay with Points: You can use Pay with Points at checkout towards purchases with your Card at participating brands, or through American Express Travel. However, if the only Card Product linked to your Rewards Account is a Legacy Card, Use Pay with Points is available only for American Express Travel and not with other participating brands. Additional terms may apply when using Pay with Points with participating brands. To learn more, please visit: https://global.americanexpress.com/rewards/pay-with-points.

Qualifications & exceptions

• Legacy-Card-only accounts: American Express Travel only.
• Used toward purchases made with your Card.

Not stated here

• Which brands participate, and the additional terms, are not stated here.

Charges & Financial Obligations · Procedure

What happens when you use Pay with Points

When you use Pay with Points, American Express charges your Card Account for the purchase, deducts the points from your Rewards Account, and applies a statement credit to your Card Account to reflect the points used. If the points do not cover the full cost, the difference remains charged to your Card Account. In the example given, if you spend $500 and use points to cover $300, you are charged $500, get a $300 statement credit, and see both on your Card Account.

Supporting quotations

When you Use Pay with Points we will:

Charge your Card Account for the purchase

Deduct the points from your Rewards Account

Apply a statement credit to your Card Account to reflect the points used

If the points you used don’t cover the full cost of the purchase, the difference will remain charged to your Card Account.

For example: If you spend $500 and use points to cover $300, we’ll:

Charge your Card Account $500

Apply a $300 statement credit to your Card Account

You will see both a $500 charge and $300 statement credit on your Card Account

Qualifications & exceptions

• The points are applied as a statement credit, not by reducing the charge.

Not stated here

• The example is the document's own illustration; no linked document's text is supplied here, so how the charge and credit appear on a statement beyond this example is not shown.

Charges & Financial Obligations · Restriction or exception

Pay with Points needs a Card charge and you must still pay the minimum due

Using Pay with Points requires a charge to your Card Account and is subject to your Card Member Agreement, including applicable credit limits and other restrictions. If you are unable to make a purchase on your Card Account for any reason, you will not be able to use Pay with Points. The credit may appear in a different billing cycle than the charge. Even if you expect a credit on a future statement, you must pay the minimum amount due on each billing statement by the due date.

Supporting quotations

Use of the Pay with Points redemption option requires a charge to your Card Account and is subject to the terms of your Card Member Agreement, including applicable credit limits and other restrictions. If you are unable to make a purchase on your Card Account for any reason, you will not be able to Use Pay with Points. The credit to your Card Account may appear during a different billing cycle than the charge for the purchase. Even if you expect a credit on a future billing statement, you must pay the minimum amount due on each billing statement by the due date.

Qualifications & exceptions

• Subject to the Card Member Agreement, which is not part of the supplied source.

Not stated here

• The Card Member Agreement and its credit limits are not supplied in this source.

Charges & Financial Obligations · Restriction or exception

Pay with Points cannot be reversed; refunds come back as statement credit

Once you use Pay with Points, the redemption cannot be reversed and the brand's Terms and Conditions apply. If any part of a purchase paid for with Pay with Points is refunded, you receive a statement credit for the refund amount on your Card Account. If you want points reinstated instead, you are told to call the number on the back of your Card.

Supporting quotations

Once you Use Pay with Points, the redemption cannot be reversed and the brand’s Terms and Conditions apply. If any portion of a purchase towards which you used Pay with Points is refunded, you’ll receive a statement credit in the amount of the refund on the Card Account. Please call the number on the back of your Card if you wish to have points reinstated instead.

Qualifications & exceptions

• Refund default is a statement credit; points reinstatement is by calling.

Not stated here

• The passage says the redemption cannot be reversed and also lets you ask for points to be reinstated after a refund; it does not say how the two fit together, or whether reinstatement is always granted.

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.

Charges & Financial Obligations · Procedure

Pay with Points at Amazon.com also follows Amazon’s program terms and needs account linking

In addition to these Terms and Conditions, the terms and conditions for Amazon.com's 'Shop With Points' Program apply to using Pay with Points on eligible purchases made with points on Amazon.com. The steps start with adding your eligible Card Account to your Amazon.com account and linking your Rewards Account either by making a purchase with the eligible Card on Amazon.com or by selecting Learn More at checkout. Allow up to 72 hours for linking; to use points immediately after adding the Card, you must link via the Learn More option.

Supporting quotations

Use Pay with Points at Amazon.com1

: In addition to these Terms and Conditions, the terms and conditions for Amazon.com's 'Shop With Points' Program apply to the use of Pay with Points on eligible purchases made with points on Amazon.com.

How it works:

Add your eligible Card Account to your Amazon.com account.

Link your Rewards Account to your Amazon.com account by either: (a) making a purchase with your eligible Card Account on Amazon.com; or (b) selecting Learn More next to your eligible Card Account at checkout and completing the steps. Please allow up to 72 hours for your Rewards Account to be linked. If you want to use points immediately after adding your eligible Card Account, you must link your Rewards Account via option 2(b) above.

Qualifications & exceptions

• Amazon.com's 'Shop With Points' terms apply in addition.
• Linking can take up to 72 hours; the Learn More route is needed for immediate use.

Not stated here

• Amazon's 'Shop With Points' terms are not supplied in this source.

Sharing & Disclosure · Company practice

Linking your Rewards Account to Amazon.com shares information with Amazon

To use Pay with Points at Amazon.com you add your eligible Card Account to your Amazon.com account and then link your Rewards Account, either by making a purchase with the eligible Card Account on Amazon.com or by selecting Learn More at checkout. When you link, information about your Rewards Account will be shared with Amazon, and you'll be able to see a points balance and use points on Amazon.com.

Supporting quotations

How it works:

Add your eligible Card Account to your Amazon.com account.

Link your Rewards Account to your Amazon.com account by either: (a) making a purchase with your eligible Card Account on Amazon.com; or (b) selecting Learn More next to your eligible Card Account at checkout and completing the steps. Please allow up to 72 hours for your Rewards Account to be linked. If you want to use points immediately after adding your eligible Card Account, you must link your Rewards Account via option 2(b) above.

When you link your Rewards Account to your Amazon.com account, information about your Rewards Account will be shared with Amazon and you'll be able to see a points balance and use points on Amazon.com.

Qualifications & exceptions

• Sharing happens when you link your Rewards Account to your Amazon.com account.
• Linking can take up to 72 hours.

Not stated here

• The passage says 'information about your Rewards Account' is shared with Amazon but does not list what information.

Charges & Financial Obligations · Restriction or exception

Amazon returns must be authorized by Amazon before credits or points come back

All returns of Amazon.com purchases made with points are subject to Amazon.com's policies and must be authorized by Amazon.com before American Express can credit your Card Account or return any points to your Rewards Account. For Pay with Points generally, the document says that if part of a purchase is refunded you receive a statement credit for the refund amount.

Supporting quotations

All returns are subject to Amazon.com's policies and must be authorized by Amazon.com before we can credit your Card Account or return any points to your Rewards Account.

If any portion of a purchase towards which you used Pay with Points is refunded, you’ll receive a statement credit in the amount of the refund on the Card Account.

Qualifications & exceptions

• Applies to returns on Amazon.com purchases made with points.

Not stated here

• Amazon.com's return policies are not supplied in this source.

Charges & Financial Obligations · Permission or license

Points can be used for fares in certain New York City taxis

You can use points for fares, including tips, in certain taxis in New York City. American Express charges and credits your Card and deducts points from your Rewards Account as described for Pay with Points, except that the points you use must cover the full amount of the fare plus tip. The points required may vary for future rides. If you don't want to see the taxi-fare option when using your Card in a participating taxi, you can call the number on the back of your Card.

Supporting quotations

When you Use Pay with Points we will:

Use points for taxi fares1

: You can use points for fares (including tips) in certain taxis in New York City. When you do, we will charge and credit your Card. We also will deduct points from your Rewards Account, as described above for Pay with Points - except that the points you use must cover the full amount of the fare plus tip.

The points required may vary for future rides. If you don't want to see this Use Points for taxi fares option when using your Card in a participating taxi, please call the number on the back of your Card.

Qualifications & exceptions

• Only certain taxis in New York City.
• Points must cover the full fare plus tip.

Not stated here

• Which taxis participate is not stated.

Cross-references

• qualified by (model-proposed): Taxi-fare points are not available if the only linked Card Product is a Legacy Card — The footnote removes taxi-fare redemptions for holders whose only linked Card Product is a Legacy 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.

Charges & Financial Obligations · Permission or license

Points can get gift cards; Legacy Card holders may be limited to American Express Gift Cards

You can use points to get gift cards from a variety of merchants, or to get American Express Gift Cards that can be used anywhere American Express is accepted. If the only Card Product linked to your Rewards Account is a Legacy Card, you can only use points toward American Express Gift Cards and cannot use points toward merchant gift cards.

Supporting quotations

Use points for gift cards: You can use points to get gift cards from a variety of merchants. Or you can get American Express Gift Cards to use anywhere American Express is accepted. 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.

Qualifications & exceptions

• Legacy-Card-only accounts can use points only toward American Express Gift Cards.

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.

Charges & Financial Obligations · Restriction or exception

Gift card limits: no cash value, retailer acceptance and what they cannot pay for

Gift cards have no cash value; you can't exchange them for cash or get cash back for unused amounts unless the gift card says otherwise, and each may have specific terms, conditions or restrictions. Retailers choose whether to accept gift cards, and most require original cards, not photocopies. You may be able to combine cards you get with points but they can't be combined with other promotional offers. You can't use gift cards to pay for purchases you've already made, in places where gift cards are illegal, or to pay any existing account balance.

Supporting quotations

Before using points to get gift cards, you need to know:

Gift cards have no cash value. You can't exchange them for cash or get a cash return for any unused amount (unless the gift card says otherwise). Each also may have specific terms, conditions or restrictions that apply.

Retailers choose whether to accept gift cards. Most require original cards; photocopies aren't acceptable.

You may be able to combine cards you get with points, but they can't be combined with other promotional offers.

You can't use gift cards to pay for purchases you've already made or in places where gift cards are illegal. You also can't use gift cards to pay any existing account balance.

Qualifications & exceptions

• No cash exchange 'unless the gift card says otherwise'.
• 'May be able to' combine cards obtained with points.

Not stated here

• Each card's own terms are not supplied.

Charges & Financial Obligations · Restriction or exception

Gift card redemptions cannot be reversed and merchant terms apply

Once you redeem for a gift card, the redemption cannot be reversed and the merchant's terms and conditions apply. American Express says it has no control over merchant gift card programs and you are responsible for understanding all guidelines and restrictions before redeeming points for a gift card.

Supporting quotations

Once you redeem for a gift card, the redemption cannot be reversed and the merchant’s terms and conditions apply. We have no control over merchant gift card programs, and you are responsible for understanding all guidelines and restrictions before redeeming points for a gift card.

Charges & Financial Obligations · Restriction or exception

Gift cards ship only to the U.S. and U.S. territories, excluding Hawaii and Vermont

Gift cards can only be shipped to the U.S. or U.S. territories, excluding Hawaii and Vermont. Specific merchants may impose further restrictions, and because American Express has no control over merchant programs, you are responsible for understanding all guidelines and restrictions before using points to get gift cards.

Supporting quotations

Gift cards can only be shipped to the U.S. or U.S. territories, excluding Hawaii and Vermont. Further restrictions may be imposed by specific merchants. Since we have no control over merchant programs, you're responsible for understanding all guidelines and restrictions before using points to get gift cards.

Qualifications & exceptions

• Hawaii and Vermont are excluded.

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.

Charges & Financial Obligations · Procedure

Gift card tips: online purchase, 1,000-point start, delivery time, American Express Gift Card funds

You can only use points for American Express Gift Cards when you purchase them online, and you must have at least 1,000 points in your Rewards Account to get started. Most gift cards arrive within 7-10 business days; you may be able to choose faster delivery for a fee. The funds on an American Express Gift Card don't automatically expire after the Valid Thru date printed on the card; if funds remain after that date you can call the customer service number on or with the card to get a replacement.

Supporting quotations

Useful Tips:

You can only use points for American Express Gift Cards when you purchase them online. You must have at least 1,000 points in your Rewards Account to get started.

Most gift cards arrive within 7-10 business days. If you need them sooner, you may be able to choose faster delivery for a fee.

The funds on an American Express Gift Card don’t automatically expire after the Valid Thru date printed on the card. If you still have funds on your gift card after this date, call the customer service number on or with the gift card to get a replacement.

Qualifications & exceptions

• 'Most' gift cards arrive in 7-10 business days.
• Faster delivery is 'may be able to' and for a fee.

Not stated here

• The fee for faster delivery is not stated.

Charges & Financial Obligations · Permission or license

Who can use points to cover Card charges

With Cover your Card Charges, Basic Card Members can use points toward eligible charges. Account Managers and Rewards Managers on a Card Account may also be able to use points toward eligible charges. Corporate Card Members are not eligible.

Supporting quotations

Use points to Cover your Card Charges: With Cover your Card Charges, Basic Card Members can use points towards eligible charges. Account Managers and Rewards Managers on a Card Account may also be able to use points towards eligible charges. Corporate Card Members are not eligible for Cover your Card Charges.

Qualifications & exceptions

• Account Managers and Rewards Managers 'may also be able to' use points; the passage does not say when they can.
• Corporate Card Members are excluded.

Not stated here

• The conditions under which Account Managers and Rewards Managers may use points are not stated here.

Charges & Financial Obligations · Restriction or exception

What counts as an eligible charge for Cover your Card Charges

Generally, an eligible charge occurs in the U.S. or a U.S. territory, appears in your recent activity online or your current statement, has never been disputed, and is at least $1. The list of eligible charges can change from time to time without notice, and American Express reserves the right to exclude any charge. You may use points toward the entire amount of an eligible charge.

Supporting quotations

Generally, an eligible charge is one that:

Occurs in the U.S. or in a U.S. territory

Appears in your recent activity online or in your current statement

Has never been disputed

Is at least $1

The list of eligible charges can change from time to time without notice. We reserve the right to exclude any charge from eligibility for Cover your Card Charges.

You may use points towards the entire amount of an eligible charge.

Qualifications & exceptions

• 'Generally' signals the four conditions are not necessarily the complete test.
• The list can change without notice.

Charges & Financial Obligations · Procedure

Statement credit timing and payments when covering Card charges

The statement credit for Cover your Card Charges will appear on your Card Account within 48 hours, but American Express may deduct points from your Rewards Account immediately. If the statement credit is processed after your Card Account closing date, it appears on your next statement, and you must still pay the minimum amount due on your current statement by the due date. If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount.

Supporting quotations

The corresponding statement credit will appear on your Card Account within 48 hours, but we may deduct points from your Rewards Account immediately.

If we process the statement credit after your Card Account closing date, it will appear on your next statement. If this happens, you must still pay the minimum amount due on your current Card Account statement by the due date. If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount.

Qualifications & exceptions

• Points may be deducted immediately, before the credit appears.

Charges & Financial Obligations · Permission or license

Statement credit: who can use it and the $1 minimum

Basic Card Members can use points for a statement credit. Corporate Card Members are not eligible. You must redeem points worth at least $1 to use points for a statement credit.

Supporting quotations

Use Points for Statement Credit: Basic Card Members can use points for a statement credit. Corporate Card Members are not eligible to use points for a statement credit.

You must redeem points worth at least $1 to Use Points for a Statement Credit.

Qualifications & exceptions

• Corporate Card Members are excluded.
• Minimum redemption worth $1.

Charges & Financial Obligations · Procedure

Statement credit timing, minimum payment and AutoPay

After you redeem for a statement credit, it will generally appear within 48 hours, but points are deducted from your Rewards Account immediately. If the credit is processed after your Card Account closing date, it appears on your next statement. Statement credits cannot be used to pay your Minimum Payment Due, so you should still pay it by the due date. If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount.

Supporting quotations

How it works:

Once you redeem, the statement credit will generally appear within 48 hours, but points will be deducted from your Rewards Account immediately.

If we process the statement credit after your Card Account closing date, it will appear on your next statement.

Statement credits cannot be used to pay your Minimum Payment Due. Please remember to pay the Minimum Payment Due on your Card Account by the due date.

If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount.

Qualifications & exceptions

• The 48-hour timing is stated as 'generally'.
• Points leave your account immediately, before the credit appears.

Charges & Financial Obligations · Restriction or exception

Statement credit redemptions are final

All redemptions for a statement credit are final and cannot be reversed or expedited.

Details not recorded for this card

Supporting quotations

All redemptions are final and cannot be reversed or expedited.

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.

Charges & Financial Obligations · Company practice

Debit Card purchases earn one point per two dollars

On the Checking Accounts side, you earn one point for every two dollars you spend on an eligible purchase using the Debit Card, generally within 2-4 days after the transaction has posted. You will not earn points on any other Checking transaction. This differs from the one point per dollar rate for Card Members using an enrolled Card.

Supporting quotations

Earn Points: You’ll earn one point for every two dollars you spend on an eligible purchase using the Debit Card generally within 2-4 days after your transaction has posted. You will not earn points on any other Checking transaction.

Qualifications & exceptions

• Debit Card purchases only; no points on other Checking transactions.
• Timing is 'generally' within 2-4 days after posting.

Charges & Financial Obligations · Restriction or exception

What counts as an eligible Debit Card purchase and what does not

An eligible Debit Card purchase is any purchase on your Debit Card for goods and services minus returns and other credits. Eligible purchases do not include cash withdrawals, cash equivalents, person-to-person transactions, purchases of traveler's checks, American Express Gift Cards bought online, purchases or reloading of prepaid cards, and foreign exchange fees and fees for account services.

Supporting quotations

An eligible purchase is any purchase made on your Debit Card for goods and services minus returns and other credits. Eligible purchases do NOT include:

Cash withdrawals

Cash equivalents

Person-to-person transactions

Purchases of traveler’s checks

American Express Gift Cards bought online

Purchases or reloading of prepaid cards

Foreign exchange fees and fees for account services

Not stated here

• The terms 'cash equivalents' and 'account services' are not defined in this passage.

Charges & Financial Obligations · Permission or license

American Express sets and may change the Debit Card eligible-purchase list without notice

The list of eligible purchases and exclusions for the Checking Accounts section is determined by American Express in its sole discretion and is subject to change at any time, without notice.

Supporting quotations

The list of eligible purchases and exclusions is determined by American Express in its’ sole discretion and is subject to change at any time, without notice.

Not stated here

• This passage does not say whether American Express may remove points for ineligible Debit Card purchases; the Card Members section has a separate statement.

Charges & Financial Obligations · Restriction or exception

What you can do with points if you have only a Checking Account

If you have a Card Account linked to your Rewards Account, you can redeem points the same way as described in the Card Members 'Use Points' section. If you have only a Checking Account linked, your use of points is limited to Redeem for Deposits or transferring points to a limited selection of participating partner loyalty programs. American Express may continue to update the different ways you may use points. For linking or delinking Products, the document points to its 'Rewards Account Linking' text in the 'Important Program Details' section.

Supporting quotations

Use Points: If you have a Card Account linked to your Rewards Account, you will be able to redeem points the same way you always have. See 'Use Points' section under 'Program Terms and Conditions for Card Members'.

If you do not have a Card Account linked to your Rewards Account, and you only have a Checking Account linked to your Rewards Account, your use of points is limited to Redeem for Deposits or to transferring points to a limited selection of participating partner loyalty programs, like those offered by airlines and hotels. We may continue to update the different ways you may use points.

For more information on linking or delinking your Products, please refer to the 'Rewards Account Linking' section found in the 'Important Program Details' section above.

Qualifications & exceptions

• The limit applies when no Card Account is linked and only a Checking Account is linked.
• Ways to use points may be updated.

Charges & Financial Obligations · Restriction or exception

Redeem for Deposits: who can redeem and account conditions

First named account holders can redeem points for a deposit into their Checking Account. Second named users, View-Only Users on Checking Accounts, and Account Managers and Rewards Managers on Card Accounts are not eligible to initiate redemptions for deposits. To use points for a deposit, your Checking Account must not be in restricted status or cancelled, and your linked Card Accounts must not be past due or have a returned payment outstanding.

Supporting quotations

Use Redeem for Deposits for a deposit into your Checking Account: First named account holders can redeem points for a deposit into their Checking Account. Second named or View-Only Users on Checking Accounts or Account Managers and Rewards Managers on Card Accounts are not eligible to initiate redemptions for deposits.

To use points for a deposit, your Checking Account must not be in restricted status or cancelled. Your linked Card Accounts must not be past due or have a returned payment outstanding.

Qualifications & exceptions

• Both Checking Account status and linked Card Account status matter.

Charges & Financial Obligations · Procedure

Redeem for Deposits: timing, finality, rates

Points are deducted immediately from your Rewards Account. Deposits generally post within 48 hours but may take up to 6 weeks. All redemptions are final and cannot be reversed, and there is no minimum number of points for Redeem for Deposits. If you have both a Business Platinum Card and a Business Checking account linked to the same Rewards Account, you can redeem up to 1 million points per calendar year at the Business Platinum Rate (1,000 points for $10 in deposits) and an unlimited number of points at the standard rate (1,000 points for $8 in deposits) thereafter.

Supporting quotations

How it works:

Points will immediately be deducted from your Rewards Account.

Generally, deposits will post to your account within 48 hours but may take up to 6 weeks.

All redemptions are final and cannot be reversed. There is no minimum number of points needed to use Redeem for Deposits. If you have both a Business Platinum Card and a Business Checking account linked to the same Rewards Account, you can redeem up to 1 million points per calendar year at the Business Platinum Rate (1,000 points for $10 in deposits) and an unlimited number of points at the standard rate (1,000 points for $8 in deposits) thereafter.

Qualifications & exceptions

• Posting is 'generally' within 48 hours but may take up to 6 weeks.
• The $10 rate applies to the first 1 million points per calendar year for holders of both a Business Platinum Card and a Business Checking account on the same Rewards Account; the standard rate is $8 per 1,000 points.

Charges & Financial Obligations · Company practice

Redeem for Deposits rates for Checking Accounts

The rate information says: an American Express Business Checking Account with a linked Business Platinum Card gets 1,000 points for a $10 deposit up to the first 1,000,000 points per calendar year, then 1,000 points for an $8 deposit. An American Express Business Checking Account or Rewards Checking Account (including Checking Accounts linked to other Cards) gets 1,000 points for an $8 deposit.

Supporting quotations

Refer to the rate information below for more details:

American Express Business Checking Account with a linked Business Platinum Card = 1,000 points for a $10 deposit up to the first 1,000,000 points per calendar year, then 1,000 points for an $8 deposit.

American Express Business Checking Account or Rewards Checking Account (including Checking Accounts linked to other Cards) = 1,000 points for an $8 Deposit

Qualifications & exceptions

• The $10 rate applies only to a Business Checking Account with a linked Business Platinum Card, and only up to the first 1,000,000 points per calendar year.
• The $8 rate applies to other Checking Accounts and to amounts beyond the first 1,000,000 points.

Charges & Financial Obligations · Permission or license

Checking Account holders can transfer points to a limited selection of partner programs

If you have a Rewards Checking account or a Business Checking account, you will be able to transfer points to a limited selection of participating partner loyalty programs, like those offered by airlines and hotels. You must link your accounts before you can transfer points, and the name on the partner loyalty program account must match the name on your checking account. Once you transfer points, the partner program's terms apply, and you are responsible for understanding all guidelines and restrictions before transferring points because American Express has no control over these programs.

Supporting quotations

Transfer points to partner loyalty programs: If you have a Rewards Checking account or a Business Checking account, you will be able to transfer points to a limited selection of participating partner loyalty programs, like those offered by airlines and hotels. You must link your accounts before you can transfer points. In order to link your accounts, the name on the partner loyalty program account must match the name on your checking account. Once you transfer points, the partner loyalty program's terms and conditions apply. Since we have no control over these programs, you’re responsible for understanding all guidelines and restrictions before transferring points.

Qualifications & exceptions

• Limited selection of partner programs.
• Name on the partner account must match the name on the checking account; Card Account holders have a different name rule.

Not stated here

• Which partner programs are in the limited selection is not stated.

Charges & Financial Obligations · Restriction or exception

Checking transfers to U.S. airline programs carry an excise tax offset fee paid in points

You'll be charged an excise tax offset fee of $0.0006 per point, up to $99, for points transferred to a U.S. airline frequent flyer program. The fee offsets the federal excise tax American Express must pay when you transfer points and may be more or less than the actual tax on any individual transfer. At this time you must cover this fee using Membership Rewards points at the time of the transfer.

Supporting quotations

You'll be charged an excise tax offset fee ($0.0006 per point, up to $99) for points transferred to a U.S. airline frequent flyer program. This fee offsets the federal excise tax we must pay when you transfer points. It may be more or less than the actual amount of the excise tax we pay on any individual transfer. At this time, you must cover this fee using Membership Rewards points at the time of the points transfer.

Qualifications & exceptions

• 'At this time' signals the way the fee is paid may change.

Charges & Financial Obligations · Company practice

Checking: flights booked with miles, and limits if an airline leaves the program

If you book a flight using frequent flyer miles, it won't be charged to your Debit Card or Business Debit Card. If an airline loyalty program stops participating in the Rewards Program, American Express may limit the number of points you can transfer to that loyalty program before its participation ends, and the limit will be at least 100,000 points.

Details not recorded for this card

Supporting quotations

If you book a flight using frequent flyer miles, it won't be charged to your Debit Card or Business Debit Card. If an airline loyalty program stops participating in the Rewards Program, we may limit the number of points you can transfer to that loyalty program before its participation ends. This limit will be at least 100,000 points.

Qualifications & exceptions

• The limit will be at least 100,000 points.

Charges & Financial Obligations · Procedure

Checking partner transfers: link, minimums, processing time

To transfer points, you must first link your partner loyalty program account to your Rewards Account. You then choose the number of points. In most cases you must transfer a minimum of 1,000 points, and only in multiples of 1,000. Before booking tickets or hotel stays with the points you moved, be sure the points have transferred. Typically it takes 48 hours, but some programs delay posting points to your partner account.

Supporting quotations

Useful Tips:

To transfer points, you must first link your partner loyalty program account to your Rewards Account.

Then choose the number of points you want to transfer. In most cases, you must transfer a minimum of 1,000 points, and only in multiples of 1,000 points.

Before booking tickets or hotel stays using the points you moved, be sure the points have transferred. Typically, it takes 48 hours to process the transfer but some programs delay posting points to your partner loyalty account.

Qualifications & exceptions

• 'In most cases' the 1,000-point minimum and multiples apply.
• Processing 'typically' takes 48 hours.

Charges & Financial Obligations · Restriction or exception

Transferred points cannot be converted back; partner programs can change terms

Points you've transferred to a partner loyalty program account can't be converted back into Membership Rewards points. Partner loyalty programs may change award levels, blackout dates, capacity controls or terms and conditions at any time, and American Express is not responsible for telling you about those changes.

Supporting quotations

Points you’ve transferred to a partner loyalty program account can’t be converted back into Membership Rewards points.

Partner loyalty programs may make changes to their award levels, blackout dates, capacity controls or terms and conditions any time. We are not responsible for telling you about any changes the partner loyalty programs may make.

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.

Charges & Financial Obligations · Company practice

Returning a purchase removes the points earned on it

When you return a purchase that you paid for with your enrolled Product, the statement credit you receive causes a corresponding deduction of the points you earned from your Rewards Account.

Supporting quotations

When you return a purchase: When you return a purchase that you paid for with your enrolled Product, the statement credit you'll receive will cause a corresponding deduction of the points you earned from your Rewards Account.

Charges & Financial Obligations · Company practice

Points awarded on an ineligible purchase may be removed, even into a negative balance

If American Express determines that points were awarded on an ineligible purchase, it may remove those points from your Rewards Account even if it results in a negative points balance.

Supporting quotations

When points are awarded on an ineligible purchase: If we determine that points were awarded on an ineligible purchase, we may remove those points from your Rewards Account even if it results in a negative points balance.

Qualifications & exceptions

• Removal is something American Express 'may' do.

Charges & Financial Obligations · Restriction or exception

If American Express cancels your Product, you lose your points, with exceptions

If American Express cancels any of your Products for any reason, including your death, insolvency or bankruptcy, you'll lose all the points in your Rewards Account. However: the executor of your estate or personal representative may be able to make a one-time points redemption upon your death, depending on your Product, by calling the listed number; if American Express cancels your Card Account due to inactivity, you have 90 days to use the points before losing them; and you won't lose points if American Express cancels a Product by accident.

Supporting quotations

If we cancel any of your Products for any reason (including your death, insolvency or bankruptcy), you'll lose all the points in your Rewards Account

However:

The executor of your estate or personal representative may be able to make a one-time points redemption upon your death, depending on your Product, by calling 1-800-AXP-EARN (297-3276).

If we cancel your Card Account due to inactivity, you'll have 90 days to use the points in your Rewards Account before losing them.

You won't lose points if we cancel a Product by accident.

Qualifications & exceptions

• Executor or personal representative 'may be able to' redeem once, depending on the Product.
• The 90-day window applies where American Express cancels a Card Account due to inactivity.
• No loss if the cancellation was an accident.

Not stated here

• A footnote marker (2) follows the loss-of-points sentence; the footnote text appears elsewhere and is explained in its own card.
• The passage does not say how the executor's one-time redemption relates to Product types.

Charges & Financial Obligations · Restriction or exception

If you cancel or unenroll your last linked Product, you lose your points

What happens to your points when you cancel or unenroll a Product depends on whether you keep another Product linked to your Rewards Account. You will immediately lose all of the points in your Rewards Account if you cancel or unenroll your last linked Product. If your last linked Product is a Corporate Card, you may be able to redeem points for up to 30 days after cancellation or unenrollment.

Supporting quotations

When you cancel or unenroll your Product: What happens to the points in your Rewards Account when you cancel or unenroll your Product from the Membership Rewards program depends on whether you keep another Product linked to your Rewards Account. You will immediately lose all of the points in your Rewards Account if you cancel or unenroll your last linked Product 2. However, if your last linked Product is a Corporate Card, you may be able to redeem points for up to 30 days after cancellation or unenrollment.

Qualifications & exceptions

• Loss applies when the last linked Product is cancelled or unenrolled.
• Corporate Card exception: up to 30 days to redeem, and only 'may be able to'.

Not stated here

• A footnote marker (2) follows the loss-of-points sentence; its text is explained in its own card.

Legal Rights & Agreement Rules · Permission or license

American Express may suspend, take points or cancel Products for fraud, abuse, misuse or gaming

Notwithstanding anything to the contrary in these terms, if American Express determines in its sole judgment that you engaged in fraud, abuse, misuse or gaming in connection with earning or using points, or that you may attempt to do so (including, for example and without limitation, manufacturing spend or otherwise generating point earn on ineligible purchases), it may temporarily suspend your ability to earn or use points, take away any points in your Rewards Account even if it results in a negative balance, or cancel your Products, including immediately forfeiting any points.

Supporting quotations

When you engage in, or attempt to engage in fraud, abuse, misuse or game the Membership Rewards program: Notwithstanding anything to the contrary set forth in these terms, if we determine in our sole judgment that you engaged in fraud, abuse, misuse or gaming in connection with earning or using points or that you may attempt to do so (including, for example and without limitation, manufacturing spend or otherwise generating point earn on ineligible purchases), we may:

Temporarily suspend your ability to earn or use points

Take away any points in your Rewards Account, even if it results in a negative points balance

Cancel your Product(s), including immediately forfeiting any points in your Rewards Account

Qualifications & exceptions

• Decided in American Express's sole judgment.
• Applies even where it only 'may' attempt such conduct.
• 'Notwithstanding anything to the contrary' means it overrides conflicting terms.

Not stated here

• What counts as 'gaming' beyond the examples given is not defined; the next paragraph adds further conduct treated as fraudulent or abusive.

Legal Rights & Agreement Rules · Restriction or exception

The program is for individuals; pooling points for company use is treated as abuse

The Rewards Program is intended to benefit individuals, whether they have a Product on their own or through their employer. Business and Corporate customers may choose to use points for personal or business reasons, but cannot be directed or required to use them for business. It is also considered fraudulent or abusive for Corporate Card Members to use one Card Account or Rewards Account to accumulate points for company use.

Supporting quotations

The Rewards Program is intended to benefit individuals, whether they have a Product on their own or through their employer. Business and Corporate customers may choose to use points for personal or business reasons, but they can't be directed or required to use them for business. It is also considered fraudulent or abusive for Corporate Card Members to use one Card Account or Rewards Account to accumulate points for company use.

Qualifications & exceptions

• Business and Corporate customers may choose how to use points; they cannot be directed or required to use them for business.
• The fraud-or-abuse statement is about Corporate Card Members pooling points for company use through one Card Account or Rewards Account.

Not stated here

• The passage does not say what consequences follow beyond those in the fraud, abuse and gaming paragraph covered in an earlier card.

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.

Charges & Financial Obligations · Restriction or exception

A negative points balance must be cleared before you can use points

If you have a negative balance in your Rewards Account, any points you subsequently get are applied first to reduce the negative balance, and you cannot use points until the balance becomes positive. The balance can be negative, for example, when points for a purchase are reversed because you returned it and you lack enough points to cover the reversal, or when American Express determines you are ineligible for a points incentive award and you lack enough points to cover the reversal of that award.

Supporting quotations

Negative Points Balance: If you have a negative balance in your Rewards Account, any points you subsequently get will be applied first to reduce the negative balance. You will not be able to use points until your balance becomes positive. The balance in your Rewards Account can be negative if, for example:

The points you got for a purchase are reversed because you returned the purchase and you do not have enough points in your Rewards Account to cover the reversal; or

We determine that you are ineligible to get a points incentive award and you do not have enough points in your Rewards Account to cover the reversal of that award.

Qualifications & exceptions

• The two situations are introduced as examples ('for example'), not a complete list.

Legal Rights & Agreement Rules · Procedure

Customer Service first; the Claims Resolution section covers mediation, arbitration and litigation

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.

Details not recorded for this card

Supporting quotations

Arbitration

Claims Resolution: 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.

Qualifications & exceptions

• The arbitration provision is part of this section.

Legal Rights & Agreement Rules · Context

What counts as a "Claim" and who "you and us" includes

For the Claims Resolution section, 'you and us' includes any corporate parents, subsidiaries, affiliates or related persons or entities. A 'Claim' means any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions or any prior program agreement, 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; claims by or against any third party using or providing any product, service or benefit in connection with the program; and claims that arise from or relate to the program account or any point balances, advertisements, promotions or statements related to the program or any reward, or the redemption for and use of any reward. You may not sell, assign or transfer a claim.

Supporting quotations

For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions or any prior program agreement, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to:

Initial claims, counterclaims, crossclaims and third-party claims;

Claims based upon contract, tort, fraud, statute, regulation, common law and equity;

Claims by or against any third party using or providing any product, service or benefit in connection with the program; and

Claims that arise from or relate to (a) the program account or any point balances on the program account, (b) advertisements, promotions or oral or written statements related to the program or any reward or (c) the redemption for and use of any reward. You may not sell, assign or transfer a claim.

Qualifications & exceptions

• The list says 'includes but is not limited to', so it is not complete.
• Disputes about the validity, enforceability or scope of the Arbitration provision are not 'Claims' under this definition.

Not stated here

• The passage does not say who decides disputes over the validity, enforceability or scope of the Arbitration provision.

Legal Rights & Agreement Rules · Procedure

Send a claim notice before a lawsuit, mediation or arbitration

Before beginning a lawsuit, mediation or arbitration, you and American Express agree to send a written claim notice to each party against whom a claim is asserted, to give an opportunity to resolve the claim informally or through mediation. A sample notice is available at americanexpress.com/claim. The 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 American Express must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty St NY, NY 10005. If the claim goes to arbitration, the amount of any relief demanded in a claim notice is not disclosed to the arbitrator until after the arbitrator rules.

Supporting quotations

Sending a Claim Notice: 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. Go to americanexpress.com/claim for a sample claim notice. 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 St NY, NY 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 claim notice must come before a lawsuit, mediation or arbitration.

Legal Rights & Agreement Rules · Procedure

Mediation: after a claim notice, within 30 days, with American Express paying the mediator

In mediation, a neutral mediator helps the parties reach agreement but does not decide the claim. Before beginning mediation, you or American Express must first send a claim notice. Within 30 days after sending or receiving a claim notice, either side may submit the claim to JAMS or the American Arbitration Association for mediation, and American Express pays 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. Submitting or not submitting a claim to mediation does not affect either side's right to elect arbitration.

Supporting quotations

Mediation: 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. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.

Qualifications & exceptions

• The 30-day window runs from sending or receiving a claim notice.

Legal Rights & Agreement Rules · Restriction or exception

Either side may elect individual arbitration; court, jury and class rights are given up for that claim

You or American Express may elect to resolve any claim by individual arbitration, and a neutral arbitrator decides. If arbitration is chosen by any party, neither you nor American Express has the right to litigate that claim in court or have a jury trial on it. Neither side has the right to participate in a representative capacity or as a member of any class for any claim subject to arbitration.

Supporting quotations

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.

Qualifications & exceptions

• Either party can make the election, not only American Express.
• The waivers apply to claims subject to arbitration.

Not stated here

• This explanation describes what the text says about court, jury and class participation; it does not assess how a court would treat these terms.

Cross-references

• contrast (model-proposed): MLA covered borrowers: you may elect arbitration, but are not required to — In the main Claims Resolution section either side may elect individual arbitration and court, jury and class rights are given up for that claim; in the MLA covered-borrower section you may elect arbitration but are not required to, and American Express can only request it.

Legal Rights & Agreement Rules · Context

How arbitration differs from court

The document says 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 American Express alone, and claims may not be joined or consolidated unless both agree in writing. An award and any judgment confirming it apply only to the specific case and cannot be used in another case except to enforce the award. 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 decision is final and binding, and other rights you or American Express would have in court may also not be available in arbitration.

Supporting quotations

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. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. 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

• 'Except as set forth below' refers to the appeal right in the arbitration procedures text.

Not stated here

• 'Other rights' that may not be available are not listed.

Legal Rights & Agreement Rules · Procedure

Starting arbitration: claim notice first, then JAMS or AAA

Before beginning arbitration, you or American Express 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 this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with these Terms & Conditions. If American Express chooses the organization, you may select the other within 30 days after receiving notice of its selection. Claims may also be referred to another arbitration organization if both agree in writing, or to an arbitrator appointed under section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (FAA).

Supporting quotations

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 these Terms & Conditions. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. 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. §§ 1-16 (FAA).

Qualifications & exceptions

• The 30-day window to select the other organization starts when you receive notice of American Express's selection.
• If the organization's rules conflict with these Terms & Conditions, these Terms & Conditions control.

Not stated here

• The Federal Arbitration Act is an external law; its text is not supplied here and this explanation does not interpret it.

Legal Rights & Agreement Rules · Restriction or exception

Small claims court, when arbitration may be elected, and no waiver by delay

American Express says it 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. Otherwise, you or American Express may 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 side may delay enforcing, or not exercise, rights under the Arbitration provision, including the right to arbitrate a claim, without waiving those rights.

Supporting quotations

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.

Qualifications & exceptions

• The small claims promise covers only individual claims pending only in small claims court.
• The cutoff is when trial has begun or final judgment has been entered.

Legal Rights & Agreement Rules · Restriction or exception

Arbitration is individual only; if that limit is invalid, the arbitration provision falls away

If either party elects arbitration, the claim is arbitrated on an individual basis. There is no right or authority for 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, 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.

Supporting quotations

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 applies to the main Claims Resolution section; a separate section covers Military Lending Act covered borrowers and has its own text.

Not stated here

• This explanation describes the text; it does not assess how a court would treat the invalidity clause.

Cross-references

• exception to (model-proposed): The Claims Resolution section survives the program; invalid parts do not undo the rest — The general severability rule keeps the rest of the Claims Resolution section in force, except that invalidity of the Limitations on Arbitration removes the whole Arbitration provision.

Legal Rights & Agreement Rules · Restriction or exception

Arbitration procedures: governing law, evidence rules, relief and confidentiality

The Arbitration provision is governed by the FAA. The arbitrator applies applicable substantive law, statutes of limitations and privileges but not 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. The arbitration is confidential: neither you nor American Express will disclose the content of the proceeding or its outcome to anyone, but either may notify any government authority of the claim as permitted or required by law.

Supporting quotations

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. 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.

Qualifications & exceptions

• Confidentiality has an exception for notifying a government authority as permitted or required by law.

Legal Rights & Agreement Rules · User right or choice

For claims of $10,000 or less you choose the hearing format

If your claim is for $10,000 or less, you may choose whether the arbitration is conducted solely on 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.

Supporting quotations

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.

Qualifications & exceptions

• The choice of format applies to claims of $10,000 or less.

Legal Rights & Agreement Rules · Procedure

Awards are final and binding but can be appealed within 35 days; hearings in your district

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 award under the FAA. To appeal, a party must notify the arbitration organization and all parties in writing within 35 days after the award is issued. The organization appoints a three-arbitrator panel that decides anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment on any award may be entered in any court having jurisdiction. At your election, hearings take place in the federal judicial district of your residence.

Supporting quotations

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. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

Qualifications & exceptions

• Appeal notice is due within 35 days after the award is issued.
• The panel decides anew on written submissions.

Cross-references

• contrast (model-proposed): MLA covered borrowers: hearing format, award, 30-day appeal and venue — The main section gives 35 days to appeal an arbitration award while the MLA covered-borrower section gives 30 days.

Charges & Financial Obligations · Company commitment

Who pays arbitration fees

You are responsible for paying your share of 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. American Express is responsible for any additional arbitration fees. At your written request, it will consider in good faith making a temporary advance of your share of fees, or paying the reasonable fees of an expert appointed by the arbitrator for good cause.

Supporting quotations

Arbitration Fees and Costs: 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

• Your share is capped at what court filing fees would have been.
• The advance or expert-fee payment is only something American Express will 'consider in good faith'.

Charges & Financial Obligations · Company commitment

Minimum award and fees if you beat American Express’s final offer

If the arbitrator rules in your favor for an amount greater than any final offer American Express 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.

Supporting quotations

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:

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.

Qualifications & exceptions

• Applies only if the award is greater than American Express's final offer made before the final hearing.
• The minimum of $5,000 is part of the 'money to which you are entitled' amount.

Legal Rights & Agreement Rules · Context

The Claims Resolution section survives the program; invalid parts do not undo the rest

The Claims Resolution section survives termination of the program or your participation in it. If any portion of the 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.

Supporting quotations

Continuation: This section will survive termination of the program or your participation in it. 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 subsection works differently: if it is invalid, the whole Arbitration provision (other than that sentence) does not apply.

Cross-references

• has exception (model-proposed): Arbitration is individual only; if that limit is invalid, the arbitration provision falls away — The general severability rule keeps the rest of the Claims Resolution section in force, except that invalidity of the Limitations on Arbitration removes the whole Arbitration provision.

Legal Rights & Agreement Rules · User right or choice

Military Lending Act covered borrowers: arbitration and mediation are optional for you

A separate section covers Military Lending Act (MLA) Covered Borrowers. Most concerns can be resolved by calling Customer Service. If Customer Service cannot resolve a complaint to your satisfaction, the section explains how claims can be resolved through litigation, non-binding mediation or, at your election, arbitration, and says you are not required to resolve any claims by mediation and arbitration. 'You and us' includes any corporate parents, subsidiaries, affiliates or related persons or entities, and 'Claim' has the same basic meaning as in the main Claims Resolution section, including any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions or any prior program agreement, except the validity, enforceability or scope of the Arbitration provision.

Supporting quotations

Claims Resolution for Military Lending Act (MLA) Covered Borrowers: 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 litigation, non-binding mediation or, at your election, arbitration. You are not required to resolve any claims by mediation and arbitration. For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions, or any prior program agreement, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to:

Qualifications & exceptions

• Applies to MLA Covered Borrowers; the main Claims Resolution section covers other cases.
• Arbitration is at your election and mediation and arbitration are not required for you.

Not stated here

• The supplied text does not define who is an MLA Covered Borrower, and the Military Lending Act is an external law whose text is not supplied here.

Legal Rights & Agreement Rules · Context

Claims included for MLA covered borrowers

For MLA Covered Borrowers, 'Claim' includes but is not limited to initial claims, counterclaims, cross-claims and third-party claims; claims based on contract, tort, fraud, statute, regulation, common law and equity; claims by or against any third party using or providing any product or service in connection with the program; and claims that arise from or relate to the program account or point balances, advertisements, promotions or statements related to the program or any reward, or the redemption for and use of any reward. You may not sell, assign or transfer a claim. The wording differs slightly from the main section's list, for example 'product or service' here and 'product, service or benefit' there.

Supporting quotations

Initial claims, counterclaims, cross-claims and third-party claims;

Claims based upon contract, tort, fraud, statute, regulation, common law and equity;

Claims by or against any third party using or providing any product or service in connection with the program; and

Claims that arise from or relate to (a) the program account or any point balances on the program account, (b) advertisements, promotions or statements related to the program or any reward, and (c) the redemption for and use of any reward. You may not sell, assign or transfer a claim.

Qualifications & exceptions

• The list says 'includes but is not limited to'.

Legal Rights & Agreement Rules · User right or choice

MLA covered borrowers: claim notice is optional and you can decline American Express’s request

Before beginning a lawsuit, arbitration or non-binding mediation, you may send a written claim notice to American Express (a sample is at americanexpress.com/claim); it should describe the claim and state the specific relief demanded. American Express may also request that a claim be resolved by mediation or arbitration, but you are not required to accept. It may include its request with your billing statement or mail it to your home address. Notice to American Express should include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 28 Liberty St NY, NY 10005. The amount of any relief demanded in a claim notice will not be disclosed if the claim proceeds to litigation, mediation or arbitration. You may decline the request and may elect to resolve your claim through litigation.

Supporting quotations

Sending a Claim Notice: Before beginning a lawsuit, arbitration or non-binding mediation, you may send a written notice (a claim notice) to

us. Go to americanexpress.com/claim for a sample claim notice. The claim notice should describe the claim and state the specific relief demanded. We may also request that we resolve a claim by mediation or arbitration, but you are not required to accept our request.

We may include our request with your billing statement or mail it to your home address. Notice to us should include your name, address and Account number and be sent to:

American Express ADR c/o CT Corporation System, 28 Liberty St NY, NY 10005

If the claim proceeds to litigation, mediation or arbitration, the amount of any relief demanded in a claim notice will not be disclosed. You are not required to resolve your claim through mediation or arbitration. You may decline our request to resolve a claim through mediation or arbitration. You may elect to resolve your claim through litigation.

Qualifications & exceptions

• Uses 'may' and 'should' for you, unlike the main section where a claim notice is required before beginning.
• You are not required to resolve your claim through mediation or arbitration.

Legal Rights & Agreement Rules · Procedure

MLA covered borrowers: mediation is by your election and is non-binding

If you elect mediation, a neutral mediator helps resolve the claim but does not decide it. Before beginning mediation, you or American Express must first send a claim notice. Within 30 days after sending or receiving a claim notice, either side may submit the claim to JAMS or the American Arbitration Association for mediation, and American Express pays the mediator's fees. Mediation communications are confidential, inadmissible in court and not subject to discovery, and statutes of limitation are tolled until the mediation ends. Either side may terminate the mediation at any time. Submitting or not submitting a claim to mediation does not affect the right to elect litigation or arbitration. The outcome is non-binding, and you may proceed to litigation or arbitration regardless.

Supporting quotations

Mediation: If you elect to resolve your claim through mediation, a neutral mediator will help resolve the 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 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 litigation or arbitration. The outcome of mediation proceedings is non-binding. You may proceed to litigation or arbitration regardless of the outcome of mediation.

Qualifications & exceptions

• The outcome of mediation is non-binding.
• Either side may end the mediation at any time.

Legal Rights & Agreement Rules · User right or choice

MLA covered borrowers: you may elect arbitration, but are not required to

You may elect, but are not required, to resolve any claim by individual arbitration. American Express may also request individual arbitration of any claim, but you are not required to accept its request. A neutral arbitrator decides the claims.

Supporting quotations

Arbitration: You may elect, but are not required, to resolve any claim by individual arbitration. We may also request to resolve any claim by individual arbitration, but you are not required to accept our request. Claims are decided by a neutral arbitrator.

Qualifications & exceptions

• Contrast with the main section, where either party may elect arbitration.

Cross-references

• contrast (model-proposed): Either side may elect individual arbitration; court, jury and class rights are given up for that claim — In the main Claims Resolution section either side may elect individual arbitration and court, jury and class rights are given up for that claim; in the MLA covered-borrower section you may elect arbitration but are not required to, and American Express can only request it.

Legal Rights & Agreement Rules · Context

MLA covered borrowers: effects of arbitration if elected or agreed

If you elect or agree to resolve a claim through arbitration, your or American Express's right to litigate that claim in court or have a jury trial may be limited, and you and American Express may not have the right to participate in a representative capacity or as a member of any class for any claim subject to arbitration. Arbitration procedures are generally simpler than court rules and discovery is more limited. The arbitrator's decisions are as enforceable as any court order and subject to very limited review by a court. Except as set forth below, the decision is final and binding, and other rights you or American Express would have in court may also not be available in arbitration.

Supporting quotations

If you elect or agree to resolve a claim through arbitration, your or our right to litigate that claim in court or have a jury trial on that claim may be limited. Further, you and we may 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 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

• Wording is 'may be limited' and 'may not have', softer than the main section's 'will not have'.

Legal Rights & Agreement Rules · Procedure

MLA covered borrowers: arbitration organization and timing

If you and American Express agree to proceed to arbitration, claims are referred to either JAMS or AAA, as selected by the party electing arbitration, and resolved under the Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with these Terms & Conditions. If American Express chooses the organization, you may select the other within 30 days after receiving notice of its selection. Claims may also be referred to another organization if both agree in writing, or to an arbitrator appointed under section 5 of the Federal Arbitration Act, 9 U.S.C. sec. 1-16 (FAA). American Express will not request arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You 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.

Supporting quotations

Initiating Arbitration: If you and we agree to proceed to arbitration, 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 these Terms & Conditions. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. 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). We will not request arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You 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.

Qualifications & exceptions

• Arbitration proceeds only if you and American Express agree.
• Here the election right to arbitrate at any time is stated for you, not for American Express.

Not stated here

• The Federal Arbitration Act is an external law; its text is not supplied here and this explanation does not interpret it.

Legal Rights & Agreement Rules · Restriction or exception

MLA covered borrowers: individual-basis arbitration and the invalidity clause

For MLA Covered Borrowers, if the parties agree to resolve a claim by arbitration, it is arbitrated on an individual basis, and the agreement would not allow class action or purported representative-capacity arbitration. The arbitrator's authority is limited to claims between you and American Express alone, and claims may not be joined or consolidated unless both agree in writing. An award and any confirming judgment apply only to the specific case. Notwithstanding any other provision and without waiving the right to appeal, if any portion of these Limitations on Arbitration provisions is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

Supporting quotations

Limitation on Arbitration: If the parties agree to resolve a claim by arbitration, that claim will be arbitrated on an individual basis pursuant to that agreement, and the agreement would not allow 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. 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 arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration provisions is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

Qualifications & exceptions

• Applies if the parties agree to arbitrate, not by one side's election alone.
• Applies to the MLA Covered Borrower section.

Not stated here

• This explanation describes the text; it does not assess how a court would treat the invalidity clause.

Legal Rights & Agreement Rules · Restriction or exception

MLA covered borrowers: arbitration procedures and confidentiality

The Arbitration provision is governed by the FAA. The arbitrator applies applicable substantive law, statutes of limitations and privileges, but not federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration provisions, the arbitrator may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority of your claim.

Supporting quotations

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 provisions, the arbitrator may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority of your claim.

Qualifications & exceptions

• The government-notice exception is stated for you; the main section states a mutual non-disclosure commitment with an exception for either side.

Legal Rights & Agreement Rules · Procedure

MLA covered borrowers: hearing format, award, 30-day appeal and venue

If your claim is for $10,000 or less, you may choose whether the arbitration is conducted solely on documents, through a telephonic hearing, or by an in-person hearing. At any party's request the arbitrator provides a brief written explanation of the award. The award is final and binding, except for any right of appeal provided by the FAA; however, any party has 30 days to appeal by notifying the arbitration organization and all parties in writing. A three-arbitrator panel decides anew, by majority vote based on written submissions, any aspect objected to. Judgment on any award may be entered in any court having jurisdiction. At your election, hearings take place in the federal judicial district of your residence.

Supporting quotations

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. The arbitrator's award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint a three arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

Qualifications & exceptions

• The appeal period here is 30 days; the main Claims Resolution section gives 35 days.
• The hearing-format choice applies to claims of $10,000 or less.

Cross-references

• contrast (model-proposed): Awards are final and binding but can be appealed within 35 days; hearings in your district — The main section gives 35 days to appeal an arbitration award while the MLA covered-borrower section gives 30 days.

Charges & Financial Obligations · Company commitment

MLA covered borrowers: who pays arbitration fees

You are responsible for paying your share of 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. American Express is responsible for any additional arbitration fees. At your written request, it will consider in good faith making a temporary advance of your share of fees, or paying the reasonable fees of an expert appointed by the arbitrator for good cause.

Supporting quotations

Arbitration Fees and Costs: 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

• Your share is capped at what court filing fees would have been.

Charges & Financial Obligations · Company commitment

MLA covered borrowers: minimum award if you beat American Express’s final offer

If the arbitrator rules in your favor for an amount greater than any final offer American Express made before 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.

Supporting quotations

Additional Arbitration Awards: If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator's 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.

Qualifications & exceptions

• The reference point here is any final offer made 'before arbitration'; the main section says 'before the final hearing in arbitration'.

Legal Rights & Agreement Rules · Context

MLA covered borrowers: the section survives the program

The Claims Resolution section survives termination of the program or your participation in it. If any portion of it, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions.

Supporting quotations

Continuation: This section will survive termination of the program or your participation in it. 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.

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).

Charges & Financial Obligations · Company practice

American Express Green Card: automatically enrolled, no annual fee, extra points on travel and transit

In the Consumer Cards table, the American Express Green Card is automatically enrolled and has no annual enrollment fee. It earns 2 additional points (for a total of 3 points) for each dollar charged on eligible travel purchases including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals, travel purchases on third party travel websites, and travel purchases on amextravel.com or the Amex Travel App. You will not earn additional points for purchases of timeshare properties. It also earns 2 additional points (for a total of 3 points) for each dollar charged on eligible transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

Supporting quotations

American Express Green Card® | Yes | None | 2 additional points (for a total of 3 points) for each dollar charged on eligible travel purchases including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals, travel purchases on third party travel websites, and travel purchases on amextravel.com or the Amex Travel App™. You will not earn additional points for purchases of timeshare properties.

2 additional points (for a total of 3 points) for each dollar charged on eligible transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• Timeshare property purchases earn no additional points.
• 'Eligible' travel and transit purchases are those that fit the listed examples.

Not stated here

• The row does not give a calendar-year cap on these additional points.

Charges & Financial Obligations · Restriction or exception

American Express Green Card: extra points at restaurants, with exclusions

The American Express Green Card earns 2 additional points (for a total of 3 points) for each dollar charged at restaurants. You may not earn additional points for purchases at a restaurant located within another establishment (such as a restaurant inside a hotel, casino or event venue) or for purchases made through third-party food delivery services outside of the U.S. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You will not earn additional points for purchases at bars, nightclubs, cafeterias and convenience stores.

Supporting quotations

2 additional points (for a total of 3 points) for each dollar charged at restaurants. You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue) or for purchases made through third-party food delivery services outside of the U.S. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You also will NOT earn additional points for purchases at bars, nightclubs, cafeterias, and convenience stores. |

Qualifications & exceptions

• 'May not earn' for restaurants inside another establishment and for third-party food delivery outside the U.S.
• 'Will NOT earn' for bars, nightclubs, cafeterias and convenience stores.

Charges & Financial Obligations · Company practice

Five Card rows: not automatically enrolled, $40 annual enrollment fee, no extra points

In the Consumer Cards table, American Express Senior Green Card, American Express Traditional Green Card, Senior Gold Card from American Express, American Express Green Card from International Dollar Card, and The Gold Card International Dollar Card are each shown as not automatically enrolled, with a $40 annual enrollment fee and 'No' under additional points on some purchases.

Supporting quotations

| American Express® Senior Green Card | No | $40 | No |

| American Express® Traditional Green Card | No | $40 | No |

| Senior Gold Card from American Express | No | $40 | No |

| American Express Green Card® from International Dollar Card | No | $40 | No |

| The Gold Card International Dollar Card | No | $40 | No |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• 'Automatically Enrolled?' is No for these rows, so enrollment in the Rewards Program is a separate step.
• The fee column carries the table's footnote marker (1) about annual program fees.

Not stated here

• The rows do not say how to enroll.

Charges & Financial Obligations · Context

Centurion Cards: automatically enrolled, no annual fee, call for additional points details

The Centurion Card and The Centurion Card International Dollar Card are each shown as automatically enrolled with no annual enrollment fee. For details about earning additional points on purchases, the table tells you to call the number on the back of your Card.

Supporting quotations

| Centurion® Card | Yes | None | For details about earning additional points on purchases, call the number on the back of your Card. |

| The Centurion® Card International Dollar Card | Yes | None | For details about earning additional points on purchases, call the number on the back of your Card. |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.

Not stated here

• The additional points rules for these Cards are not in the table; they are given by phone.

Charges & Financial Obligations · Company practice

American Express Classic Gold Card: airfare and U.S. restaurants

The American Express Classic Gold Card is automatically enrolled with no annual enrollment fee. It earns 1 additional point (for a total of 2 points) for airfares on scheduled flights charged directly with passenger airlines (charter flights and private jet flights excluded) and 1 additional point (for a total of 2 points) at restaurants in the U.S.

Supporting quotations

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

| American Express Classic Gold Card | Yes | None | 1 additional point (for a total of 2 points) for airfares on scheduled flights charged directly with passenger airlines - charter flights and private jet flights excluded. 1 additional point (for a total of 2 points) at restaurants in the U.S. |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• Airfare must be on scheduled flights charged directly with passenger airlines; charter and private jet flights are excluded.

Charges & Financial Obligations · Company practice

The Platinum Card International Dollar Card: U.S. restaurants

The Platinum Card International Dollar Card is automatically enrolled with no annual enrollment fee and earns 1 additional point (for a total of 2 points) at restaurants in the U.S.

Supporting quotations

| The Platinum Card® International Dollar Card | Yes | None | 1 additional point (for a total of 2 points) at restaurants in the U.S. |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.

Charges & Financial Obligations · Company practice

American Express Gold Card International Dollar Card: automatically enrolled, no extra points

American Express Gold Card International Dollar Card is automatically enrolled with no annual enrollment fee, and the additional points column says 'No'.

Details not recorded for this card

Supporting quotations

| American Express® Gold Card International Dollar Card | Yes | None | No |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.

Charges & Financial Obligations · Company practice

Morgan Stanley Credit Card from American Express: four categories with one extra point

The Morgan Stanley Credit Card from American Express is automatically enrolled with no annual enrollment fee. It earns 1 additional point (for a total of 2 points) for airfares on scheduled flights charged directly with passenger airlines (charter flights and private jet flights excluded), at restaurants in the U.S., at select department stores in the U.S. listed on a rewards-info web page, and on car rentals directly from select car rental companies listed on that page.

Supporting quotations

| Morgan Stanley Credit Card from American Express | Yes | None | 1 additional point (for a total of 2 points) for airfares on scheduled flights charged directly with passenger airlines - charter flights and private jet flights excluded. 1 additional point (for a total of 2 points) at restaurants in the U.S. 1 additional point (for a total of 2 points) at select department stores in the U.S. listed at americanexpress.com/rewards-info. 1 additional point (for a total of 2 points) on car rentals directly from select car rental companies listed at americanexpress.com/rewards-info. |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• Department stores and car rental companies are limited to those on the listed page.

Not stated here

• The list of select department stores and car rental companies is on a web page not supplied here.

Charges & Financial Obligations · Company practice

Platinum Card from American Express: airfare and prepaid hotels

The Platinum Card from American Express is automatically enrolled with no annual enrollment fee. It earns 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flights charged directly with passenger airlines or American Express Travel (charter flights and private jet flights excluded), and 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel.

Supporting quotations

| Platinum Card® from American Express | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• The airfare bonus applies to the first $500,000 per calendar year.
• The row states no cap for the prepaid hotel bonus.

Charges & Financial Obligations · Company practice

Platinum Card versions for Schwab, Goldman Sachs, Morgan Stanley: same extra points

The Platinum Card from American Express Exclusively for Charles Schwab, The Platinum Card from American Express for Goldman Sachs, and The Platinum Card from American Express Exclusively for Morgan Stanley are each shown as automatically enrolled with no annual enrollment fee, with the same additional points wording as the Platinum Card: 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flights charged directly with passenger airlines or American Express Travel (charter and private jet flights excluded), and 4 additional points for eligible prepaid hotel reservations booked through American Express Travel.

Supporting quotations

| The Platinum Card® from American Express Exclusively for Charles Schwab | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

| The Platinum Card® from American Express for Goldman Sachs | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

| The Platinum Card® from American Express Exclusively for Morgan Stanley | Yes | None | 4 additional points (for a total of 5 points) on the first $500,000 of airfare per calendar year on scheduled flight(s) charged directly with passenger airlines or American Express Travel (Charter flights and private jet flights are excluded). 4 additional points (for a total of 5 points) for eligible prepaid hotel reservations booked through American Express Travel. |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• The airfare bonus applies to the first $500,000 per calendar year.

Charges & Financial Obligations · Company practice

American Express Gold Card: automatically enrolled, no annual fee, hotel, airfare, car rental and cruise points

In the Consumer Cards table, the American Express Gold Card is automatically enrolled with no annual enrollment fee. It earns 4 additional points (for a total of 5 points) for prepaid hotel reservations booked through AmexTravel.com or the Amex Travel App, 2 additional points (for a total of 3 points) for airfares on scheduled flights charged directly with passenger airlines or through AmexTravel.com or the Amex Travel App, and 1 additional point (for a total of 2 points) for prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked through AmexTravel.com.

Supporting quotations

American Express® Gold Card | Yes | None | 4 additional points (for a total of 5 points) for prepaid hotel reservations booked through AmexTravel.com or the Amex Travel App™.

2 additional points (for a total of 3 points) for airfares on scheduled flights charged directly with passenger airlines, or through AmexTravel.com or the Amex Travel App™. 1 additional point (for a total of 2 points) for prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked through AmexTravel.com.

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• Hotel and car rental bonuses require prepaid bookings through the stated channels; the cruise bonus requires booking through AmexTravel.com.

Charges & Financial Obligations · Company practice

American Express Gold Card: restaurant and supermarket points with annual caps

The American Express Gold Card earns 3 additional points (for a total of 4 points) on the first $50,000 of eligible purchases in a calendar year at restaurants worldwide, and 3 additional points (for a total of 4 points) on the first $25,000 of eligible purchases in a calendar year at U.S. supermarkets. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets.

Supporting quotations

3 additional points (for a total of 4 points) on the first $50,000 of eligible purchases in a calendar year at restaurants worldwide. 3 additional points (for a total of 4 points) on the first $25,000 of eligible purchases in a calendar year at U.S. supermarkets. Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets.

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.
• Restaurant bonus cap: first $50,000 per calendar year; supermarket bonus cap: first $25,000 per calendar year.
• Restaurants worldwide; supermarkets in the U.S. only.

Charges & Financial Obligations · Company practice

Traditional Gold Card from American Express: not automatically enrolled, $40 fee, no extra points

The Traditional Gold Card from American Express is shown as not automatically enrolled, with a $40 annual enrollment fee and 'No' under additional points on some purchases.

Details not recorded for this card

Supporting quotations

| Traditional Gold Card from American Express | No | $40 | No |

Qualifications & exceptions

• Columns follow the table's header row: Product Name, Automatically Enrolled?, Annual Enrollment Fee (1), Additional points on some purchases.

Charges & Financial Obligations · Company practice

Note 1 after the Consumer Cards table: annual enrollment fee billing

A note after the Consumer Cards table says that if you pay an annual enrollment fee for the Rewards Program, American Express bills your Card Account for the fee on the anniversary of your enrollment date (the day it finishes processing your enrollment) until you unenroll in the Rewards Program by calling the number on the back of your Card.

Supporting quotations

| Notes 1. If you pay an annual enrollment 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. |

Qualifications & exceptions

• Explains the (1) marker on the Annual Enrollment Fee column.
• The fee recurs on each enrollment anniversary until you unenroll.

Charges & Financial Obligations · Company practice

Blue Business Plus Credit Card: automatically enrolled, no annual fee, one extra point on the first $50,000

In the Business Cards table, the Blue Business Plus Credit Card is automatically enrolled with no annual enrollment fee and earns 1 additional point (for a total of 2 points) on the first $50,000 of eligible purchases in a calendar year.

Supporting quotations

Business Cards

| Product Name | Automatically Enrolled? (2) | Annual Enrollment Fee (1) | Additional points on some purchases |

| Blue Business® Plus Credit Card | Yes | None | 1 additional point (for a total of 2 points) on the first $50,000 of eligible purchases in a calendar year. |

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.
• The bonus applies to the first $50,000 of eligible purchases per calendar year; the row names no category.

Charges & Financial Obligations · Context

Business Centurion Card: automatically enrolled, no annual fee, call for extra points details

The Business Centurion Card is automatically enrolled with no annual enrollment fee. For details about earning additional points on purchases, the table tells you to call the number on the back of your Card.

Details not recorded for this card

Supporting quotations

| Business Centurion® Card | Yes | None | For details about earning additional points on purchases, call the number on the back of your Card. |

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.

Not stated here

• The additional points rules for this Card are not in the table.

Charges & Financial Obligations · Company practice

Business Gold Rewards Card: choose one category for 2 extra points, others get 1

The Business Gold Rewards Card is automatically enrolled with no annual enrollment fee. From five categories, you choose 2 additional points (for a total of 3 points) in one category and get 1 additional point (for a total of 2 points) in the other categories. Additional points apply only to the first $100,000 of eligible purchases in each category in a calendar year. The categories are airfares for scheduled flights charged directly with passenger airlines (charter and private jet flights excluded); advertising purchased in the U.S. to promote your business online, on television or on the radio; gasoline at gas stations in the U.S. (not including superstores, supermarkets or warehouse clubs that sell gasoline); shipping services purchased in the U.S. for courier, postal and freight; and computer hardware, software and cloud computing purchases in the U.S. made directly from providers listed on a rewards-info page.

Supporting quotations

From the five categories below, choose 2 additional points (for a total of 3 points) in one category and get 1 additional point (for a total of 2 points) in the other categories. You will get additional points for only the first $100,000 of eligible purchases in each category in a calendar year. 1. Airfares for scheduled flights charged directly with passenger airlines - charter flights and private jet flights excluded. 2. Advertising purchased in the U.S. to promote your business online, on television, or on the radio. 3. Gasoline at gas stations in the U.S. (not including superstores, supermarkets or warehouse clubs that sell gasoline). 4. Shipping services purchased in the U.S. for courier, postal, and freight. 5. Computer hardware, software, and cloud computing purchases in the U.S. made directly from providers listed at americanexpress.com/rewards-info.

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.
• The $100,000 cap applies in each category per calendar year.

Not stated here

• The list of providers for computer hardware, software and cloud purchases is on a web page not supplied here.

Charges & Financial Obligations · Procedure

Business Gold Rewards Card: when you choose your category and the default

You choose your preferred category for getting 2 additional points in the first 2 months of becoming a Card Member. If you don't choose, you get 2 additional points on the airfares category. You can change your choice once a year, between December 1 and January 31, by calling the number on the back of your Card.

Supporting quotations

Choose your preferred category for getting 2 additional points in the first 2 months of becoming a Card Member. If you don't choose, you'll get 2 additional points on the airfares category. You can change your choice once a year, between December 1 and January 31. To change, call the number on the back of your Card.

Qualifications & exceptions

• The default is airfares if you do not choose.
• Changes are once a year, only between December 1 and January 31.

Charges & Financial Obligations · Company practice

Business Gold Card: 3 extra points in your top 2 spending categories each billing period

The Business Gold Card is automatically enrolled with no annual enrollment fee. It earns 3 additional points per dollar (for a total of 4 points) for eligible purchases in the 2 categories, out of 6, where the Card Account had the most eligible purchases each billing period, up to the first $150,000 in combined eligible purchases from the 6 categories each calendar year across the Card Account. Eligible purchases above $150,000 in a calendar year from those categories earn only one point per dollar. The top 2 categories are calculated each billing period from posted transactions in the 6 categories, and Basic Card Members earn 3 additional points in only 2 categories each billing period even if more than 2 categories are equal.

Supporting quotations

| Product Name | Automatically Enrolled? (2) | Annual Enrollment Fee (1) | Additional points on some purchases |

Business Gold Card | Yes | None | 3 additional points per dollar (for a total of 4 points) for eligible purchases in the 2 categories below where the Card Account had the most eligible purchases each billing period, up to the first $150,000 in combined eligible purchases from these 6 categories each calendar year across the Card Account. Eligible purchases in excess of $150,000 in a calendar year from these categories across the Card Account will receive only one point per dollar spent.

Determining the Top 2 Categories: To calculate the top 2 categories each billing period, we use the posted transactions from the Card Account that fall into the 6 categories below and issue additional points based on the 2 categories with the most eligible purchases in that billing period. Basic Card Members will only earn 3 additional points in 2 categories each billing period even if the Card Account has equal eligible purchases in more than 2 categories.

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.
• The $150,000 cap counts combined eligible purchases from all 6 categories across the Card Account per calendar year.
• Beyond the cap, eligible purchases receive one point per dollar.

Charges & Financial Obligations · Company practice

Business Gold Card: the six categories and the travel bonus

The six categories that qualify for the Business Gold Card's additional points are online, television and radio advertising from U.S. media providers to promote a business; purchases from electronic goods retailers or software and cloud system providers in the U.S.; restaurants in the U.S., including takeout and delivery; gasoline at U.S. gas stations (not including superstores, supermarkets and warehouse clubs that sell gasoline); transit purchases including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses and subways; and monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S. The row also gives 2 additional points (for a total of 3 points) for flights booked on amextravel.com or the Amex Travel App and prepaid hotels booked on amextravel.com, the Amex Travel App or over the phone with American Express Travel consultants.

Supporting quotations

The categories that qualify for additional points are: 1. Purchases of online, television, and radio advertising made from media providers located in the U.S. to promote a business; 2. Purchases from electronic goods retailers or software and cloud system providers in the U.S.; 3. Restaurants in the U.S., including takeout and delivery; 4. Gasoline at gas stations in the U.S. (not including superstores, supermarkets and warehouse clubs that sell gasoline); 5. Transit purchases including trains, taxi cabs, rideshare services, ferries, tolls, parking, buses, and subways; 6. Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.

2 additional points (for a total of 3 points) for flights booked on amextravel.com or the Amex Travel App™, and prepaid hotels booked on amextravel.com, the Amex Travel App™ or over the phone with American Express Travel consultants. |

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.

Not stated here

• The text does not say whether the travel bonus is part of the $150,000 cap or counts toward the top 2 categories.

Charges & Financial Obligations · Company practice

Some Business Green Cards: not automatically enrolled, $40 fee, no extra points

Some Business Green Cards are shown as not automatically enrolled, with a $40 annual enrollment fee and 'No' under additional points on some purchases.

Details not recorded for this card

Supporting quotations

| Some Business Green Cards | No | $40 | No |

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.
• The row refers to 'Some' Business Green Cards without saying which.

Not stated here

• Which Business Green Cards are meant by 'Some' is not stated.

Charges & Financial Obligations · Company practice

Business Green Rewards Card and Business Membership Rewards Card: automatically enrolled, no fee, no extra points

The Business Green Rewards Card and the Business Membership Rewards Card are each shown as automatically enrolled with no annual enrollment fee and 'No' under additional points on some purchases.

Details not recorded for this card

Supporting quotations

| Business Green Rewards Card | Yes | None | No |

| Business Membership Rewards® Card | Yes | None | No |

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.

Charges & Financial Obligations · Company practice

Business Platinum Card: one extra point on up to $2,000,000 a year in four categories

In the Business Cards table, the Business Platinum Card is automatically enrolled with no annual enrollment fee. It earns 1 additional point (for a total of 2 points) for each dollar on up to $2,000,000 of eligible purchases on your Card Account per calendar year, made in any of these categories: U.S. construction material and hardware suppliers; U.S. electronic goods retailers and software and cloud system providers; U.S. shipping providers; or eligible purchases of $5,000 or more. Purchases eligible for multiple categories only receive '2X points' for one category.

Supporting quotations

Business Platinum Card® | Yes | None | 1 additional point (for a total of 2 points) for each dollar on up to two million ($2,000,000) of eligible purchases on your Card Account per calendar year, made in any of the following categories: 1. U.S. construction material and hardware suppliers, 2. U.S. electronic goods retailers and software & cloud system providers, 3. U.S. shipping providers, or 4. Eligible purchases of $5,000 or more. Purchases eligible for multiple categories will only receive 2X points for one category.

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.
• The $2,000,000 cap applies per calendar year on the Card Account.
• A purchase eligible for several categories counts for only one.

Not stated here

• '2X points' is not defined in the table; it appears next to the 1 additional point (total 2 points) statement.

Charges & Financial Obligations · Company practice

Business Platinum Card: 4 extra points on American Express Travel bookings; only the highest bonus applies

The Business Platinum Card earns 4 additional points (for a total of 5 points) for flights booked on amextravel.com or the Amex Travel App and prepaid hotel purchases booked on amextravel.com, the Amex Travel App or over the phone with American Express Travel consultants. Purchases eligible for multiple additional point bonuses only receive the highest eligible bonus.

Details not recorded for this card

Supporting quotations

4 additional points (for a total of 5 points) for flights booked on amextravel.com or the Amex Travel App™ and prepaid hotel purchases booked on amextravel.com, the Amex Travel App™ or over the phone with American Express Travel consultants. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.
• Only the highest eligible bonus applies when several bonuses could apply.

Charges & Financial Obligations · Company practice

Business Purchase, Executive Business and Small Business Cards: not auto-enrolled, $40 fee, no extra points

The Business Purchase Account, Executive Business Card and Small Business Card are each shown as not automatically enrolled, with a $40 annual enrollment fee and 'No' under additional points on some purchases.

Details not recorded for this card

Supporting quotations

| Product Name | Automatically Enrolled? (2) | Annual Enrollment Fee (1) | Additional points on some purchases |

| Business Purchase Account | No | $40 | No |

| Executive Business Card | No | $40 | No |

| Small Business CardSM | No | $40 | No |

Qualifications & exceptions

• Columns follow the Business Cards header row: Product Name, Automatically Enrolled? (2), Annual Enrollment Fee (1), Additional points on some purchases.

Not stated here

• The rows do not say how to enroll.

Charges & Financial Obligations · Company practice

Notes after the Business Cards table: annual fee billing and automatic linking

The notes after the Business Cards table say: (1) if you pay an annual enrollment fee for the Rewards Program, American Express bills your Card Account for it on the anniversary of your enrollment date (the date it finishes processing your enrollment) until you unenroll by calling the number on the back of your Card; and (2) if you already have a Card enrolled in the Rewards Program when you enroll a Business Card, American Express may automatically link the Business Card to your existing Rewards Account.

Supporting quotations

| Notes 1. If you pay an annual enrollment fee for the Rewards Program, we'll bill your Card Account for the fee on the anniversary of your enrollment date (the date we finish processing your enrollment) until you unenroll in the Rewards Program by calling the number on the back of your Card. 2. If you already have a Card enrolled in the Rewards Program when you enroll a Business Card, we may automatically link the Business Card to your existing Rewards Account. |

Qualifications & exceptions

• Note 2 explains the (2) marker on the Automatically Enrolled? column.
• Automatic linking is something American Express 'may' do.

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.

Charges & Financial Obligations · Company practice

Corporate Green and Global Dollar Cards: not auto-enrolled, $55 annual fee, no extra points

In the Corporate Cards table, the American Express Corporate Green Card and the Global Dollar Card - American Express Corporate Card are each shown as not automatically enrolled with a $55 annual program fee and 'No' under additional points on some purchases.

Details not recorded for this card

Supporting quotations

| Corporate Cards | Automatically Enrolled? (2), (3), (4) | Annual Program Fee (1) | Additional points on some purchases |

| American Express® Corporate Green Card | No | $55 | No |

| Global Dollar Card – American Express® Corporate Card | No | $55 | No |

Qualifications & exceptions

• Columns follow the Corporate Cards header row: Corporate Cards, Automatically Enrolled? (2), (3), (4), Annual Program Fee (1), Additional points on some purchases.
• The fee column here is 'Annual Program Fee (1)'.

Charges & Financial Obligations · Context

Corporate Gold, Platinum and Centurion Cards: automatic enrollment shown as "Maybe"

The American Express Corporate Gold Card, American Express Corporate Platinum Card and Corporate Centurion Card from American Express are each shown with 'Maybe' under Automatically Enrolled? and no annual program fee. The Corporate Gold and Platinum rows show 'No' under additional points on some purchases; the Corporate Centurion row tells you to call the number on the back of your Card for details about earning additional points.

Supporting quotations

| American Express® Corporate Gold Card | Maybe | None | No |

| American Express Corporate Platinum Card® | Maybe | None | No |

| Corporate Centurion® Card from American Express | Maybe | None | For details about earning additional points on purchases, call the number on the back of your Card. |

Qualifications & exceptions

• Columns follow the Corporate Cards header row: Corporate Cards, Automatically Enrolled? (2), (3), (4), Annual Program Fee (1), Additional points on some purchases.
• The Automatically Enrolled? column carries notes (2), (3) and (4): enrollment only if the Corporate Card is issued in your own name, Corporate Cards from the same company cannot be linked to the same Rewards Account, and enrollment is not possible if your company blocks it.

Not stated here

• The table does not define what 'Maybe' means beyond the notes.

Charges & Financial Obligations · Company practice

Global Dollar Executive Gold and Platinum Cards: auto-enrolled, no fee, no extra points

The Global Dollar Card - American Express Corporate Executive Gold Card and the Global Dollar Card - American Express Corporate Platinum Card are each shown as automatically enrolled with no annual program fee and 'No' under additional points on some purchases.

Details not recorded for this card

Supporting quotations

| Global Dollar Card – American Express® Corporate Executive Gold Card | Yes | None | No |

| Global Dollar Card – American Express® Corporate Platinum Card | Yes | None | No |

Qualifications & exceptions

• Columns follow the Corporate Cards header row: Corporate Cards, Automatically Enrolled? (2), (3), (4), Annual Program Fee (1), Additional points on some purchases.

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.

Legal Rights & Agreement Rules · Context

The Detail of Changes notice supplements the terms and replaces conflicting ones

The 'Detail of Changes' notice supplements the Program Terms & Conditions. Any terms in the Program Terms & Conditions that conflict with these changes are completely replaced, and terms not changed by the notice continue to apply. If you have questions, call the number on the back of your Card. The notice says that, effective immediately, the Program Terms and Conditions under the 'Rewards Account Linking and Redemption Options' section have been updated as stated in the changes.

Supporting quotations

Detail of Changes to the Membership Rewards Program Terms & Conditions

This notice supplements the Program Terms & Conditions as described below. Any terms and conditions in the Program Terms & Conditions conflicting with these changes are completely replaced. Terms and conditions not changed by this notice continue to apply. If you have any questions, please call the number on the back of your Card.

Effective immediately, the Program Terms and Conditions under the ‘Rewards Account Linking and Redemption Options’ section have been updated to the following:

Qualifications & exceptions

• Conflicting earlier terms are 'completely replaced'; unchanged terms continue to apply.
• Effective immediately.

Not stated here

• The notice does not list which earlier sentences conflict; the earlier linking text in 'Important Program Details' uses 'may automatically link' wording while the notice says a new Product gets a new Rewards Account.

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.

Charges & Financial Obligations · Restriction or exception

Updated text: redemption options and points values depend on linked Products

The updated text says the ways you can use points, including available redemption options and points values, may vary depending on the Products linked to your Rewards Account. Most Card Products provide access to all available redemption options, but if you only have a Legacy Card Product linked, availability of redemption options is limited as described in the Card Members section (the Compare Products section lists Legacy Cards). If you have no Card Account linked and only a Checking Account linked, available redemption options are also limited as described in the Checking Accounts section. Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.

Supporting quotations

The ways you can use points, including available redemption options and points values, may vary depending on the Product(s) linked to your Rewards Account. Most Card Products will provide access to all available redemption options. However, if you only have a Legacy Card Product linked to your Rewards Account, availability of redemption options will be limited as more particularly described in the section titled ‘Program Terms & Conditions for Card Members’ (see the ‘Compare Products’ section for a list of ‘Legacy Cards’).

Alternatively, if you do not have a Card Account linked to your Rewards Account, and you only have a Checking Account linked to your Rewards Account, available redemption options are also limited as described further in the section titled ‘Program Terms & Conditions for Checking Accounts’. Corporate Cards issued to more than one individual may not be linked to a single Rewards Account.

Qualifications & exceptions

• This text restates the earlier redemption-options rule and adds that points values may also vary by linked Product.
• Limits apply when only a Legacy Card Product or only a Checking Account is linked.

Not stated here

• How points values differ by Product is not stated here; the earlier Compare Products text points to a separate page.

Cross-references

• refers to (model-proposed): The ways you can use points depend on the linked Products — The Detail of Changes restates the earlier redemption-options rule and adds that points values may also vary by linked Product.

Legal Rights & Agreement Rules · Context

Who the agreement is with and what it covers

These Terms and Conditions are the agreement between you and American Express Travel Related Services Company, Inc., which owns and operates the Membership Rewards program (the Rewards Program). They cover only the Rewards Program. Terms for a specific product, such as a card or account, are in separate documents you received when you enrolled.

Supporting quotations

These Terms and Conditions are the agreement between you and the Rewards Program owner and operator, American Express Travel Related Services Company, Inc.

These Terms and Conditions relate only to the Rewards Program. For terms and conditions related to a specific product, please refer to the separate document(s) that you received upon enrollment.

Qualifications & exceptions

• Applies only to the Rewards Program, not to the separate product documents.

Not stated here

• The separate product documents received on enrollment are not part of the supplied source, so how they interact with this document is not shown here.

Legal Rights & Agreement Rules · Permission or license

American Express may change the program and these terms at any time

American Express says it may change the Rewards Program and may add to or change these Terms and Conditions at any time. It gives examples of changes it could make: the points you can earn for eligible purchases, the points needed to redeem for rewards, rewards options based on your enrolled products, caps and/or fees on earning and/or using points, higher annual and/or other program fees, and cancelling rewards or the Rewards Program. The list is introduced as examples, so it is not shown to be complete.

Supporting quotations

We may make changes to the Rewards Program, and we may add to and/or change these Terms and Conditions at any time.

For example, we could:

Change the number of Membership Rewards® points (points) you can earn for eligible purchases

Change the number of points required to redeem for rewards

Change rewards options based on your enrolled product(s)

Impose caps and/or fees on earning and/or using points

Increase annual and/or other program fees

Cancel rewards and/or the Rewards Program

Qualifications & exceptions

• The listed changes are examples ('For example, we could'), not a closed list.
• If the Rewards Program itself is cancelled, a 90-day advance-notice commitment applies (see the separate card on cancellation notice).

Not stated here

• These passages do not say how, or whether, you are notified of other changes before they take effect.

Cross-references

• qualified by (model-proposed): 90 days’ notice if the Rewards Program is cancelled — The general right to change the program and cancel it at any time is qualified by the 90-day notice American Express states for cancelling the Rewards Program.

Legal Rights & Agreement Rules · Company commitment

90 days’ notice if the Rewards Program is cancelled

If American Express cancels the Rewards Program, it says it will notify you at least 90 days in advance. During that period you can still earn or use points, but American Express may change or cancel certain rewards.

Supporting quotations

If we cancel the Rewards Program, we’ll notify you at least 90 days in advance. You'll be able to earn or use points during that time, but we may change or cancel certain rewards.

Qualifications & exceptions

• The 90-day notice is stated for cancelling the Rewards Program, not for cancelling individual rewards or for other changes.
• During the notice period certain rewards may still be changed or cancelled.

Not stated here

• This passage does not say what happens to unused points after the Rewards Program ends.

Cross-references

• qualifies (model-proposed): American Express may change the program and these terms at any time — The general right to change the program and cancel it at any time is qualified by the 90-day notice American Express states for cancelling the Rewards Program.

Use & Processing · Permission or license

Your information may be used as described in the Privacy Policy

As part of the Rewards Program, American Express may use your information as described in its Privacy Policy, which this document links to.

Supporting quotations

As part of the Membership Rewards Program, American Express may use your information as described in our Privacy Policy: https://www.americanexpress.com/us/privacy-center/.

Qualifications & exceptions

• Use is tied to what the Privacy Policy describes.

Not stated here

• The Privacy Policy text is not supplied in this source, so what information is used and for what purposes is unknown from this document.

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.

Legal Rights & Agreement Rules · Context

Recent changes listed at the end amend or supplement these terms

The document says recent changes and additions to the Rewards Program are listed at the end of the Terms and Conditions, and that these changes amend or supplement the Program Terms and Conditions. The document is labeled as last updated October 2026, and the end section is headed 'Detail of Changes to the Membership Rewards Program Terms & Conditions'.

Supporting quotations

Please refer to the end of these Terms & Conditions for recent changes and additions to the Membership Rewards Program. These changes amend or supplement these Program Terms & Conditions.

Last Updated: October 2026

Detail of Changes to the Membership Rewards Program Terms & Conditions

Qualifications & exceptions

• The end-of-document changes are part of how the terms apply; they are explained in their own cards.

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.

Legal Rights & Agreement Rules · Context

How "Card," "Card Member" and checking terms are used

In these Terms and Conditions, 'Card' or 'Card Account' means a credit or charge Card Product, and 'Card Member' means a holder of a Card or Card Account. A Card Member is not the owner of a Checking Account or the holder of a Debit Card. Debit Cards, which are linked to a Checking Account, and their holders are referred to separately where applicable.

Supporting quotations

In these Terms and Conditions, when we say "Card" or "Card Account", we are referring to a credit or charge Card Product. When we say "Card Member", we are referring to a holder of a Card or Card Account, and not the owner of a Checking Account or holder of a Debit Card. We will separately refer to a Debit Card and Debit Card holders, which are linked to a Checking Account, throughout these Terms and Conditions, where applicable.

Qualifications & exceptions

• Debit Card holders and Checking Account owners are not 'Card Members' under these definitions.

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.

Charges & Financial Obligations · Restriction or exception

The ways you can use points depend on the linked Products

The ways you can use points may vary depending on the Products linked to your Rewards Account. Most Card Products provide access to all available redemption options. If only a Legacy Card Product is linked, redemption options are limited as described in 'Program Terms & Conditions for Card Members' (the 'Compare Products' section lists Legacy Cards). If no Card Account is linked and only a Checking Account is linked, redemption options are also limited as described in 'Program Terms & Conditions for Checking Accounts'. The summary of changes near the end repeats this rule and adds that points values may also vary depending on the Products linked.

Supporting quotations

The ways you can use points may vary depending on the Product(s) linked to your Rewards Account. Most Card Products will provide access to all available redemption options. However, if you only have a Legacy Card Product linked to your Rewards Account, availability of redemption options will be limited as more particularly described in the section titled 'Program Terms & Conditions for Card Members' (see the 'Compare Products' section for a list of 'Legacy Cards').

Alternatively, if you do not have any Card Account linked to your Rewards Account, and you only have a Checking Account linked to your Rewards Account, available redemption options are also limited as described further in the sections titled

Program Terms and Conditions for Checking Accounts

The ways you can use points, including available redemption options and points values, may vary depending on the Product(s) linked to your Rewards Account.

Qualifications & exceptions

• Limits apply when only a Legacy Card Product or only a Checking Account is linked.
• 'Most Card Products' have all options; the passage does not say which Card Products are not 'most'.

Not stated here

• The specific options available to Legacy Card and Checking-only holders are set out in other sections, covered in separate cards.

Cross-references

• referred to by (model-proposed): Updated text: redemption options and points values depend on linked Products — The Detail of Changes restates the earlier redemption-options rule and adds that points values may also vary by linked Product.

Legal Rights & Agreement Rules · Restriction or exception

You release American Express from liability for third-party rewards

Under 'You agree that,' when you use points to redeem for rewards offered by a third party, you release American Express and all its affiliates from liability for your use of points, for the reward and how you use it, and for your participation in the Rewards Program.

Supporting quotations

You agree that:

When you use points to redeem for rewards offered by a third-party, you release American Express and all its affiliates from liability for your use of points, for the reward and how you use it, and for your participation in the Rewards Program.

Qualifications & exceptions

• Applies when you use points to redeem for rewards offered by a third party.

Not stated here

• The passage does not define which rewards count as 'offered by a third-party' or limit the kinds of liability released; this explanation does not assess how far the release would be enforced.

Charges & Financial Obligations · Restriction or exception

Redemptions cannot be reversed; third-party programs are not controlled by American Express

Under 'You agree that,' redemptions cannot be reversed. American Express says it does not operate or control third-party partner programs or the terms that apply to your redemption, and you are responsible for understanding all guidelines and restrictions before redeeming points.

Supporting quotations

Redemptions cannot be reversed, and we do not operate or control third-party partner programs or their terms and conditions that apply to your redemption. You are responsible for understanding all guidelines and restrictions prior to redeeming points.

Qualifications & exceptions

• Stated as a general rule about redemptions.

Not stated here

• A different passage describes getting points back or a credit when you return a reward; this passage does not explain how the two fit together.

Cross-references

• contrast (model-proposed): Returning a reward gives you points back or a credit — One passage says redemptions cannot be reversed, while another describes getting points back or a credit when you return a reward. The document does not say how the two fit together.

Charges & Financial Obligations · Restriction or exception

No responsibility to replace lost, stolen or damaged tickets or gift cards

Under 'You agree that,' American Express and participating brands say they are not responsible for replacing any lost, stolen or damaged tickets or gift cards.

Supporting quotations

We and participating brands aren't responsible for replacing any lost, stolen or damaged tickets or gift cards.

Not stated here

• The passage does not say whether any other remedy is available for lost, stolen or damaged tickets or gift cards.

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.

Charges & Financial Obligations · Company practice

Some Products charge an annual Rewards Program enrollment fee until you unenroll

Certain Products may have annual Rewards Program enrollment fees, charged each year on the anniversary of the date you are enrolled in the Rewards Program (the day your enrollment completes processing). The fee continues until you unenroll by calling the number on the back of your Card. A note says that 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.

Supporting quotations

Certain Products may have annual Rewards Program enrollment fees charged each year on the anniversary of the date you’re enrolled in the Rewards Program (i.e., the day your enrollment completes processing) as described in the chart below, which will continue until you unenroll from the Rewards Program by calling the number on the back of your Card.

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.

Qualifications & exceptions

• Only certain Products have the fee, as shown in the Annual Enrollment Fee column.
• The fee recurs each year on the enrollment anniversary.

Not stated here

• Notes with this fee wording appear after the Consumer, Business and Corporate Cards tables; this card anchors the Corporate Cards version, and the Corporate table's fee column is headed 'Annual Program Fee'.

Charges & Financial Obligations · Company practice

Amex EveryDay Credit Card: automatically enrolled, no annual fee, extra supermarket point

In the Consumer Cards table, the Amex EveryDay Credit Card is automatically enrolled and has no annual enrollment fee. It earns 1 additional point (for a total of 2 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets in the U.S. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets.

Supporting quotations

Consumer Cards

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

Amex EveryDay® Credit Card | Yes | None | 1 additional point (for a total of 2 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets).

Qualifications & exceptions

• The extra point applies to the first $6,000 per calendar year.
• U.S. supermarkets only; named store types are excluded.

Charges & Financial Obligations · Company practice

Amex EveryDay Credit Card: 20% extra points with 20 or more purchases a billing period

For the Amex EveryDay Credit Card, if you make 20 or more separate purchases of goods or services in a billing period, you earn 20% extra points on those purchases (less returns and credits). A transaction with multiple items counts as one purchase. Purchases do not include cash advances, balance transfers, travelers cheques, prepaid card purchases or reloading, or other cash equivalents. It does not apply to limited time promotions and offers such as a Welcome Bonus. Returns and credits do not reduce the purchase count but do reduce the points and extra points earned; the example shows 20 purchases totaling $500 with a $200 return reducing the points from 500 to 300, so the 20% applies to 300 points. Purchases are counted by purchase date, but a purchase that posts more than 4 billing periods later is counted when it posts; combined charges from a merchant count as one purchase; the purchase date may be a shipping date. The extra points are typically awarded 6 to 8 weeks after the billing period.

Supporting quotations

20% extra points - make 20 or more separate purchases of goods or services in a billing period and earn 20% extra points on those purchases (less returns and credits). A transaction where you buy multiple items counts as one purchase. Purchases do not include cash advances, balance transfers, purchases of travelers cheques, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Does not apply to limited time promotions and offers (such as a Welcome Bonus). Returns and credits do not reduce your purchase count but will reduce the number of points and extra points earned. (Example: Suppose in a billing period you make 20 purchases totaling $500 and you return a $200 item that you purchased in the same or a prior billing period. The return does not reduce your purchase count but it does reduce the points on those purchases from 500 to 300. So, you would earn 20% extra points on the 300 points.) To count purchases, we use the purchase date. In rare instances, a purchase may not post to your account for several billing periods. If a purchase posts to your account more than 4 billing periods after the purchase date, we will count it in the billing period in which it posts. Some merchants combine separate charges into a single transaction. When this happens, the combined charges will count as a single purchase for the purpose of counting purchases. The purchase date may not be the date you made a transaction - for example, if you buy goods online, the purchase date may be the date the goods are shipped. The 20% extra points are typically awarded 6 to 8 weeks after the billing period in which you make the 20 or more eligible purchases. |

Qualifications & exceptions

• Needs 20 or more separate purchases in one billing period.
• Timing of extra points is 'typically' 6 to 8 weeks after the billing period.
• Excludes limited time promotions and offers.

Charges & Financial Obligations · Company practice

Amex EveryDay Preferred Credit Card: automatically enrolled, no annual fee, supermarket and gas points

In the Consumer Cards table, the Amex EveryDay Preferred Credit Card is automatically enrolled and has no annual enrollment fee. It earns 2 additional points (for a total of 3 points) on the first $6,000 of eligible purchases in a calendar year at U.S. supermarkets, and 1 additional point (for a total of 2 points) on gasoline at gas stations in the U.S. Superstores, convenience stores, warehouse clubs and meal-kit delivery services are not considered supermarkets, and superstores, supermarkets and warehouse clubs that sell gasoline are not counted as gas stations.

Supporting quotations

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

Amex EveryDay® Preferred Credit Card | Yes | None | 2 additional points (for a total of 3 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). 1 additional point (for a total of 2 points) on gasoline at gas stations in the U.S. (not including superstores, supermarkets or warehouse clubs that sell gasoline).

Qualifications & exceptions

• The supermarket bonus applies to the first $6,000 per calendar year; the gas point has no cap stated in this row.
• U.S. supermarkets and gas stations only.

Charges & Financial Obligations · Company practice

Amex EveryDay Preferred Credit Card: 50% extra points with 30 or more purchases a billing period

For the Amex EveryDay Preferred Credit Card, if you make 30 or more separate purchases of goods or services in a billing period, you earn 50% extra points on those purchases (less returns and credits). A transaction with multiple items counts as one purchase. Purchases do not include cash advances, balance transfers, travelers cheques, prepaid card purchases or reloading, or other cash equivalents. It does not apply to limited time promotions and offers such as a Welcome Bonus. Returns and credits do not reduce the purchase count but do reduce the points and extra points earned; the example shows 30 purchases totaling $500 with a $200 return reducing the points from 500 to 300, so the 50% applies to 300 points. Purchases are counted by purchase date, but a purchase that posts more than 4 billing periods later is counted when it posts; combined charges from a merchant count as one purchase; the purchase date may be a shipping date. The extra points are typically awarded 6 to 8 weeks after the billing period.

Supporting quotations

50% extra points - make 30 or more separate purchases of goods or services in a billing period and earn 50% extra points on those purchases (less returns and credits). A transaction where you buy multiple items counts as one purchase. Purchases do not include cash advances, balance transfers, purchases of travelers cheques, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Does not apply to limited time promotions and offers (such as a Welcome Bonus). Returns and credits do not reduce your purchase count but will reduce the number of points and extra points earned. (Example: Suppose in a billing period you make 30 purchases totaling $500 and you return a $200 item that you purchased in the same or a prior billing period. The return does not reduce your purchase count but it does reduce the points on those purchases from 500 to 300. So, you would earn 50% extra points on the 300 points.) To count purchases, we use the purchase date. In rare instances, a purchase may not post to your account for several billing periods. If a purchase posts to your account more than 4 billing periods after the purchase date, we will count it in the billing period in which it posts. Some merchants combine separate charges into a single transaction. When this happens, the combined charges will count as a single purchase for the purpose of counting purchases. The purchase date may not be the date you made a transaction - for example, if you buy goods online, the purchase date may be the date the goods are shipped. The 50% extra points are typically awarded 6 to 8 weeks after the billing period in which you make the 30 or more eligible purchases. |

Qualifications & exceptions

• Needs 30 or more separate purchases in one billing period.
• Timing of extra points is 'typically' 6 to 8 weeks after the billing period.
• Excludes limited time promotions and offers.