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Welcome to
Membership
Rewards!
Last Updated: September 2022
Welcome to the Membership Rewards
®
Program
(Rewards Program)! 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 will
help you understand how the Rewards Program works.
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.
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
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.
Important Program Details
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.
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. 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.
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.
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.
The ways you can use points may vary depending on the
Product(s) that are linked to your Rewards Account. If
you have a Card Account linked to your Rewards
Account, you will have access to all the different ways to
use points as described in the 'Program Terms &
Conditions for Card Members’ section. 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. These
limitations are further described in 'Program Terms &
Conditions for Checking Accounts'.
Corporate Cards issued to more than one individual
may not be linked to a single Rewards Account.
You agree that:
•
When you use points to redeem for rewards,
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.
•
We and participating retailers aren't
responsible for replacing any lost, stolen or
damaged certificates, tickets or gift cards.
•
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 return payment outstanding.
•
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
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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.
•
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.
•
The value of points varies according to how you
choose to use them. To learn more, visit
membershiprewards.com/pointsinfo.
Program Terms &
Conditions for Card
Members
If you have a Card Account, this section, 'Program
Terms & 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 & Conditions for Checking Accounts’.
Earn Points
Conditions for earning points:
Card Members will earn one point for every dollar of
spend on an eligible purchase using an enrolled Card,
except that some Corporate Card Members enrolled in
the Rewards Program will earn one point for every two
dollars, charged on the Corporate Card, depending on
the earn rate selected by the company for its employees
enrolled in the Rewards Program. The earn rate selected
will apply to all eligible purchases made on the
Corporate Card.
An eligible purchase is anything except:
•
Cash advances and cash equivalents
•
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
This list of eligible purchase exclusions is subject to
change at any time, without notice.
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 minimum amount due on your Card
Account statement so that we receive your payment by
the Closing Date of the next billing period.
Conditions for earning extra points:
Check the 'Compare Products' section of these Terms
and Conditions to see if your Card earns extra points for
certain purchases. You can check your online account to
see which of your recent purchases earned extra points.
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.
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.
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).
Buy points
You can't buy and bank points for future rewards, but you
may be able to buy them when you're in the process of
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using points and you don't have enough. The charge for
the points you buy will appear on your Card Account.
Conditions for buying points:
•
1,000 points for $25
•
A minimum of 1,000 points at a time and only
multiples of 1,000 (for example, you'd buy 2,000
points instead of 1,750)
•
Up to 100,000 or 500,000 points each calendar
year, depending on your Card
Corporate Card Members can't buy points. Check the
'Compare Products' section of these Terms and
Conditions to see whether you can buy points, and how
many points you can buy each year.
Use Points
Transfer points to partner loyalty programs
You may be able to transfer points to participating partner
loyalty programs, like those offered by airlines and hotels.
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. Check the 'Compare Products'
section of these Terms and Conditions to see if you can
transfer points.
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. For
most partner loyalty programs, 1,000 Membership
Rewards points will equal 1,000 miles, points or credits.
The exceptions are:
•
Aeromexico: 1,000 points = 1,600 Club
Premier points
•
Hilton: 1,000 points = 2,000 Hilton Honors
points
•
JetBlue Airways: 250 points = 200 JetBlue
TrueBlue® points; must be transferred in 50-
point increments
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.
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.
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.
Use Pay with Points
You can use Pay with Points for purchases with your Card
in many places - American Express Travel, Amazon.com,
Ticketmaster, Best Buy and other retailers.
When you use Pay with Points anywhere but
Amazon.com, we will:
•
Charge your Card Account for the purchase
•
Deduct the points from your Rewards Account
•
Apply a 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.
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.
If you use a Pay Over Time feature (such as Pay Over
Time Direct on a Consumer Card) for a purchase using
Pay with Points, the billing statement credit you get may
not be applied to that feature. Instead, it might be applied
to your Pay in Full Balance. If you think this has happened,
Useful Tips:
1. To transfer points, you must first link your
partner loyalty program account to your
Rewards Account.
2. 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.
3. 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.
4. Points you've transferred to a partner
loyalty program account can't be
converted back into Membership
Rewards points.
5. 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.
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please call us at the number on the back of your Card.
Some Pay with Points rewards have required minimums,
as follows:
•
American Express Travel: 5,000 points
•
AXS: 2,000 points
•
Ticketmaster: 2,000 points
Use points at Amazon.com
In addition to these Terms and Conditions, the terms and
conditions for Shop With Points at Amazon.com apply to
eligible purchases made with points at Amazon.com.
How it works:
1. Save your Card Account to your Amazon.com
account and then use it at least once. Once you
do this, your Rewards Account will be linked to
your Amazon.com account, information about your
Rewards Account will be shared with Amazon,
and you'll be able to see your points balance.
2. You may use points to cover some or all of an
eligible purchase at Amazon.com. When you use
points to cover your entire purchase, we'll charge
the purchase to your Card Account, deduct the
points you used from your Rewards Account, and
apply a credit to your Card Account to reflect the
points used.
3. When you use points to cover only part of your
purchase, we'll separately charge the portion of
your purchase that you didn't cover with points to
your Card Account after the purchase ships.
For example:
If you spend $500 and use points to cover $300, we'll:
•
Charge your Card Account $300
•
Apply a $300 credit to your Card Account
•
Charge your Card Account $200 after your
purchase ships
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.
Use points for taxi fares
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 option and your points
balance when using your Card in a participating taxi,
please call the number on the back of your Card.
Use points for gift cards and certificates
You can use points to get gift cards and certificates from a
variety of merchants. Or you can get American Express
Gift Cards to use anywhere American Express is
accepted.
Before using points to get gift cards or certificates,
you need to know:
• Gift cards and certificates have no cash value.
You can't exchange them for cash or get a cash
return for any unused amount (unless the gift card
or certificate says otherwise). Each also may have
specific terms, conditions or restrictions that apply.
• Retailers choose whether to accept gift cards and
certificates. Most require original cards or
certificates; photocopies aren't acceptable.
• You may be able to combine cards and
certificates you get with points, but they can't be
combined with other promotional offers.
• You can't use gift cards or certificates to pay for
purchases you've already made or in places
where gift cards or certificates are illegal. You also
can't use gift cards or certificates to pay any
existing account balance.
• 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 and
certificates.
Useful Tips:
1. 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.
2. 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.
3. 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.
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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.
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.
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.
Program Terms &
Conditions for Checking
Accounts
If you have 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'.
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.
An eligible purchase is anything except:
•
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
This list of eligible purchase exclusions is subject to
change at any time, without notice.
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. 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.
Use Redeem for Deposits for a deposit into
your Checking Account
Primary account holders can redeem points for a deposit
into their Checking Account. 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.
How it works:
•
Points will immediately be deducted from
your Rewards Account.
•
Generally, deposits will post to your account
within 48 hours.
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
an American Express 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.
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Refer to the rate table below for more details:
Customer Type
Rate
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
Lose Points
This section of the Terms and Conditions contains
important details for Products enrolled in the Rewards
Program. Sections applicable to you may vary depending
on the Products you have.
When you make a late payment on your Card
Account
If you don't make a timely payment of the minimum
amount due on your Card Account, you may forfeit all the
points that you earned from that Card Account during the
period covered by the billing statement. You can
eventually receive these points, but first you must pay the
amounts due on your Card Account or Accounts. Then,
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 for which you
didn't get them.
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.
When we cancel your Product
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:
• If you die, the executor of your estate or personal
representative may be able to make a one-time
points redemption, 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.
When you cancel your Rewards Account
What happens to the points in your Rewards Account
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 your last
linked Product. However, if your last linked Product is a
Corporate Card, you may be able to redeem points for up
to 30 days after cancellation.
When you engage in or attempt to abuse, misuse
or game Membership Rewards
If we determine in our sole judgment that you engaged in
abuse, misuse or gaming in connection with earning or
using points or that you may attempt to do so, 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)
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.
When you are ineligible to use points on your
Corporate Card
If your Corporate Card is the Card you have enrolled in the
Rewards Program, 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.
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.
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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.
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:
1. Initial claims, counterclaims, crossclaims and
third-party claims;
2. Claims based upon contract, tort, fraud,
statute, regulation, common law and equity;
3. Claims by or against any third party using or
providing any product, service or benefit in
connection with the program; and
4. 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.
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.
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.
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.
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.
Initiating Arbitration
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).
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
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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.
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.
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.
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, 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.
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.
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:
1. Any money to which you are entitled, but in
no case less than $5,000; and
2. Any reasonable attorneys' fees, costs and
expert and other witness fees.
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.
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:
1. Initial claims, counterclaims, cross-claims and
third-party claims;
2. Claims based upon contract, tort, fraud,
statute, regulation, common law and equity;
3. Claims by or against any third party using or
providing any product or service in
connection with the program; and
4. 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.
9
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.
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.
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.
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.
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.
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.
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
10
government authority of your claim.
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.
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.
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:
1. Any money to which you are entitled, but in no
case less than $5,000; and
2. Any reasonable attorneys' fees, costs and
expert and other witness fees.
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.
Questions?
If you have questions about anything in these Terms and Conditions, call us at 1-800-AXP-EARN (1-800-297-3276).
11
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, including eligibility to buy points or transfer
points.
Also, some products will earn extra 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.
Consumer Cards
Product Name
Automa -
tically
Enrolled?
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
Amex
EveryDay
®
Credit Card
Yes
None
500,000
Yes
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).
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.
12
Product Name
Automa -
tically
Enrolled?
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
Amex
Everyday
®
Preferred
Credit Card
Yes
None
500,000
Yes
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).
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.
American
Express
®
Green Card
Yes
None
500,000
Yes
2 additional points (for a total of 3 points) for each dollar charged
on eligible travel purchases including airfare, hotels, cruises, car
rentals, campgrounds, trains, taxicabs, rideshare services, tours,
ferries, tolls, parking, buses, subways, on third party travel websites,
and on amextravel.com. You will not earn additional points for
purchases of timeshare properties.
2 additional points (for a total of 3 points) for each dollar charged at
restaurants worldwide.
American
Express
®
Senior Green
Card
No
$40
500,000
Yes
No
American
Express
®
Traditional
Green Card
No
$40
500,000
Yes
No
Blue from
American
Express
®
Cards
(applicable for
certain Blue
cards)
Yes
None
Contact
us to find
out
No
No
13
Product Name
Automa -
tically
Enrolled?
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
Centurion
®
Card
Yes
None
500,000
Yes
No
American
Express
Classic Gold
Card
Yes
None
500,000
Yes
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.
Gold Optima
®
Card
No
None
100,000
No
No
Senior Gold
Card from
American
Express
No
$40
500,000
Yes
No
The
American
Express®
Card
International
Dollar Card
Yes
$40
500,000
Yes
No
The
Centurion®
Card
International
Dollar Card
Yes
None
500,000
Yes
No
The Platinum
Card®
International
Dollar Card
Yes
None
500,000
Yes
1 additional point (for a total of 2 points) at restaurants in the U.S.
American
Express® Gold
Card
International
Dollar Card
Yes
None
500,000
Yes
No
The Gold Card
International
Dollar Card
Yes
$40
500,000
Yes
No
Morgan Stanley
Credit Card from
American
Express
Yes
None
500,000
Yes
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.
Optima
®
Credit
Card
No
None
100,000
No
No
Optima
®
Platinum
Card
®
No
None
100,000
No
No
Platinum
Card
®
from
American
Express
Yes
None
500,000
Yes
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 hotels
(prepaid hotels or prepaid travel packages) booked with
American Express Travel.
14
Product Name
Automa -
tically
Enrolled?
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
The Platinum
Card
®
from
American
Express
Exclusively
for Charles
Schwab
Yes
None
500,000
Yes
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 hotels (prepaid
hotels or prepaid travel packages) booked with American Express
Travel.
The Platinum
Card
®
from
American
Express for
Goldman
Sachs
Yes
None
500,000
Yes
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 hotels (prepaid
hotels or prepaid travel packages) booked with American Express
Travel.
The Platinum
Card
®
from
American
Express
Exclusively for
Morgan Stanley
Yes
None
500,000
Yes
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 hotels (prepaid
hotels or prepaid travel packages) booked with American Express
Travel.
American
Express
®
Gold
Card
Yes
None
500,000
Yes
3 additional points (for a total of 4 points) at restaurants globally
3 additional points (for a total of 4 points) on the first $25,000 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).
2 additional points (for a total of 3 points) for airfares on scheduled
flights charged directly with passenger airlines or American Express
Travel - charter flights and private jet flights excluded.
Traditional
Gold Card
from American
Express
No
$40
500,000
Yes
No
ZYNC
®
Card
Yes
None
100,000
No
No
Notes
1. If you pay an annual program fee for the Rewards Program, we'll bill your Card Account for the non-refundable fee on the
anniversary of your enrollment date (the day we finish processing your enrollment).
Business Cards
Product Name
Automa -
tically
Enrolled?
(2)
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
Blue for
Business
®
Credit Card
Contact us
to find out
Maybe
100,000
No
No
Blue
Business
SM
Plus Credit
Card
Yes
None
500,000
Yes
1 additional point (for a total of 2 points) on the first $50,000 of
eligible purchases in a calendar year.
Business
Centurion
®
Card
Yes
None
100,000
Yes
No
15
Product Name
Automa -
tically
Enrolled?
(2)
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
Business Gold
Rewards Card
Yes
None
500,000
Yes
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.
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.
Business Gold
Card
Yes
None
500,000
Yes
3 additional points per dollar (for a total of 4 points), on the 2
categories (of 6) where you spend the most each billing cycle, up
to the first $150,000 in combined eligible purchases from these 2
categories each calendar year. You will get additional points for only
the first $150,000 of eligible purchases in a calendar year.
Determining your top 2 categories:
To calculate your top 2 categories each billing cycle, we use your
posted account transactions that fall into the 6 categories below and
issue additional points based on your 2 highest categories of total
spend less returns and credits in that same billing cycle. You will only
earn 3 additional points in 2 categories each billing cycle even if you
have equal spend in more than 2 categories. The 6 categories that
qualify for additional points are:
1.
Airfare 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.
Computer hardware, software, and cloud computing
purchases in the U.S. made directly from providers listed at:
americanexpress.com/rewards-info;
4.
Gasoline at gas stations in the U.S. (not including superstores,
supermarkets and warehouse clubs that sell gasoline);
5.
Restaurants in the U.S.;
6.
Shipping services purchased in the U.S. for courier, postal, and
freight.
16
Product Name
Automa -
tically
Enrolled?
(2)
Annual
Enroll-
m ent
Fee (1)
Points
available
to buy
Able to
transfer
points?
Extra points on some purchases
Some Business
Green Cards
No
$40
500,000
Yes
No
Business
Green Rewards
Card
Yes
None
500,000
Yes
No
Business
Management
Account
No
None
100,000
No
No
Business
Membership
Rewards
®
Card
Yes
None
500,000
Yes
No
Business
Platinum
Card
®
Yes
None
500,000
Yes
0.5 additional points (for a total of 1.5 points) for each dollar of
eligible purchases on your Card made at U.S. construction
material and hardware suppliers, at U.S. electronic goods retailers
and software & cloud system providers, and at U.S. shipping
providers as well as on each eligible purchase of $5,000 or more
everywhere else (no category exclusions), on up to $2 million of
these purchases per calendar year per account.
4 additional points (for a total of 5 points) for flights and eligible
hotels (prepaid hotels or prepaid travel packages) booked on
amextravel.com.
Business
Purchase
Account
No
$40
500,000
Yes
No
Executive
Business Card
No
$40
500,000
Yes
No
Platinum
Business
Credit Card
®
No
None
100,000
No
No
Small Business
Card
SM
No
$40
500,000
Yes
No
Notes
1. If you pay an annual program fee for the Rewards Program, we'll bill your Card Account for the non-refundable fee on the
anniversary of your enrollment date (the date we finish processing your enrollment).
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.
Corporate Cards
Your company determines if your Corporate Card is eligible to participate in the Rewards Program and can change
participation at any time.
Corporate
Cards
Automatically
Enrolled?
(2), (3), (4)
Annual Program
Fee (1)
Points available to
buy
Able to transfer
points?
Extra points on some
purchases
American
Express
®
Corporate
Green Card
No
$55
None
Yes
No
17
Corporate Cards
Automatically
Enrolled?
(2), (3), (4)
Annual Program
Fee (1)
Points available to
buy
Able to transfer
points?
Extra points on some
purchases
American
Express
®
Corporate Gold
Card
Maybe
None
None
Yes
No
American Express
Corporate
Platinum Card
®
Maybe
None
None
Yes
No
Corporate
Centurion
®
Card
from American
Express
Maybe
None
None
Yes
No
Global Dollar
Card - American
Express
®
Corporate Card
No
$55
None
Yes
No
Global Dollar
Card - American
Express
®
Corporate
Executive Gold
Card
Maybe
None
None
Yes
No
Global Dollar
Card - American
Express
®
Corporate
Platinum Card
Maybe
None
None
Yes
No
Notes
1.
If you pay an annual program fee for the Rewards Program, we'll bill your Card Account for the non-refundable fee on the
anniversary of your enrollment date (the day we finish processing your enrollment).
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.
Checking Accounts
Product Name
Automatically
Enrolled?
Annual Program
Fee
Points available to
buy
Able to transfer
points?
Extra points on some
purchases
American Express
Rewards Checking
Account
Yes
No
No
No
No
American Express
Business
Checking Account
Yes
No
No
No
No
