Welcome to Membership Rewards!

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28141

Welcome to

Membership

Rewards!

Last Updated: June 2021

Welcome to the Membership Rewards

Program

(Rewards Program)! These Terms and Conditions are

the agreement between American Express

and you

for your participation in the program. They also will

help you understand how it works.

These Terms and Conditions relate only to the

Rewards Program. Your Card Member Agreement, a

separate document, outlines the terms and conditions

for your American Express

Card Account.

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 points you can

earn for eligible purchases

•

Change the number of points required to

get rewards

•

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

Should we cancel the Rewards Program, we'll give

you 90 days' notice. You'll be able to earn or use

points during that time, but we may change or cancel

certain rewards.

Important program details

Not all Card Members are eligible to participate in the

Rewards Program. Some are automatically enrolled

at no additional charge. Others must choose to enroll

and pay an annual program fee. To learn whether

your Card is eligible, whether you must enroll, and

whether you must pay an annual program fee, see

the 'Compare Cards' section of these Terms and

Conditions.

Eligible Cards must be issued by American Express

or one of its affiliates in the U.S. and be billed in U.S.

dollars. We may change Card eligibility at any time.

A Card account may not be enrolled in the Rewards

Program if it's cancelled or past due. We may cancel

your Rewards Program Account if any Card linked to

your Rewards Program Account is cancelled, is past

due, or has a returned payment outstanding.

Basic Card Members on eligible Consumer Card Ac-

counts and Business Card Accounts, and Corporate

Card Members may have a Rewards Program

Account. Additional Card Members on Consumer

Card Accounts and Business Card Accounts may

not have their own Rewards Program Accounts.

Corporate Cards issued to more than one individual

may not be linked to a single Rewards Program

Account.

You're receiving this document because you're

the Basic Card Member, the Basic Business Card

Member, or the Corporate Card Member, the person

who opened the American Express Consumer,

Business or Corporate Card linked to a Rewards

Program Account.

Additional Card Members or Additional Business

Card Members are those who have Cards tied to your

American Express Card Account, respectively.

Rewards Program points don't belong to you and are

not your property. You can't transfer them to someone

else's Rewards Program 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 Rewards Program points varies

according to how you choose to use them. If you have

more than one Card Account linked to your Rewards

Program Account, the Card providing the highest

point value will determine the value of all the points in

your Rewards Program Account. To learn more, visit

membershiprewards.com/pointsinfo.

You agree that:

•

When you use points to get 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.

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•

Generally, you can't use points if your

Card account is canceled or past due, or

there is a return payment outstanding.

Reference the 'Lose Points' section of

these Terms and Conditions.

•

You're responsible for learning about and

paying any federal, state or local taxes

that may apply to earning or using points.

•

If you have multiple Consumer Card

accounts, Business Card accounts and/or

Corporate Cards in your name, we may

link them all to your Rewards Account.

With Corporate Cards, your employer

must allow participation in the Rewards

Program.

Earn Points

Once you have an eligible Card enrolled in the

Rewards Program, you'll earn one point for every

dollar you spend on an eligible purchase using your

enrolled American Express Card. Corporate Card

Members enrolled in the Rewards Program will earn

either one point for every dollar, or 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 charges

made on the Corporate Card. Some Cards earn extra

points for certain purchases.

Conditions for earning extra points:

Merchants are assigned codes based on what they

primarily sell. We group certain merchant codes into

categories that are eligible for 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 americanexpress.com/rewards-info for more

information about rewards.

Check the 'Compare Cards' section of these Terms

and Conditions to see if your Card earns extra points.

Or check your Card Account online to see which of

your recent purchases earned extra points.

You earn points for eligible purchases only if we

receive timely payment of the minimum amount due

on your enrolled Card Account statement.

An eligible purchase is anything except:

•

Cash advances and cash equivalents

•

Person-to-person payments

•

Balance transfers

•

Express Cash or Corporate Express

Cash

•

American Express Travelers Cheques or

Gift Cheques

•

American Express Gift Cards bought

online

•

Reloadable prepaid cards (initial

purchase and reloading)

•

Fees and charges on your Card Account

(late payment fees, annual fees, interest

and delinquency charges)

•

Fees for any Card Member services you

enroll in

•

Rewards Program fees and charges

•

Purchases covered by points

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 using points and you don't have enough.

The charge for the points you buy will appear on your

enrolled 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)

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•

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 Cards' section of these Terms

and Conditions to see whether you can buy points,

and how many points you can buy each year.

Link Cards to earn more points

You can link multiple eligible Cards to your Rewards

Account to earn points for your spending on all of

them. All linked Cards offer the Rewards Program

benefits associated with the Card with the greater

benefits, except for how each Card earns extra points.

For example:

If you can transfer points you earn with one Card to

another loyalty program but you can't transfer points

you earn with a second Card, you will be able to

transfer the points you earn with both Cards when

both are linked to your Rewards Account.

Useful Tip:

Keep an eye out for promotional point offers.

Understand the terms for each, including how

many points you can earn and when you can use

them.

Use Points

To use the points you would earn for spending in a

billing period, be sure to pay, on time, the amount

due on the Card Account statement you receive after

the end of that billing period. If we don't receive your

payment on time you won't receive those points.

See the 'Lose Points' section of these Terms and

Conditions to learn how you can get those points

back.

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).

Transfer points to frequent customer

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 enrolled 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 Cards' 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.

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.

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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 for processing 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.

Use Pay with Points

You can use Pay with Points for purchases 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 enrolled 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 statement,

you must pay the minimum amount due on each

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 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, 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 enrolled 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

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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 enrolled 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 enrolled Card in a

participating taxi, please call the number on the back

of your Card.

Use points for gift certificates and cards

Get gift cards or certificates from a variety of

merchants. Or get American Express Gift Cards to

use anywhere American Express is accepted.

Before using points to get certificates or gift

cards, 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 certificates and cards. 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.

•

We can't ship American Express Gift

Cards to Vermont or Hawaii.

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 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.

Use points for your American Express

charges

You can use points to cover eligible charges on your

Card Account only if you're the Basic Card or Basic

Business Card Member. You also may be able to use

points for this purpose if you're the Account Manager

or Rewards Manager for a Card Account. Corporate

Card Members are not eligible.

The list of eligible charges can change from time to

time without notice. We do not have to make any

charges eligible for you to cover with points.

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

You may use points only toward the entire amount of

an eligible charge.

We'll deduct the points from your Rewards Account

right away and we'll credit your Card Account within

48 hours.

If we process the credit after your Card Account's

closing date, it will not appear until your next

statement. In this case, you must still pay the amount

due on your current Card statement by the due date.

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Lose Points

When you return something you paid for with your

enrolled Card, the statement credit you'll receive will

cause a corresponding deduction of the points you

earned from your Rewards Account.

When you make a late payment

You must make timely payment of the amount due on

your Card Account statement. If you don't, you may

forfeit all the points that you earned during the period

covered by the statement.

If your enrolled Card Account is a consumer Card

account or a Business Card account, you must pay

the amount due on your Linked Account statement so

that we receive your payment by the Payment Due

Date shown on that statement.

If your enrolled Card Account is a Corporate Card

account, you must pay the amount due on your Linked

Account statement so that we receive your payment

by the Closing Date of the next billing period.

You can get forfeited 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 we cancel your Card Account

If we cancel any of your enrolled Card Accounts

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 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 your

Card Account by accident.

When we suspend 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.

When you cancel your Rewards account

What happens to the points in your Rewards Account

depends on whether you keep a Card Account open

after you cancel your Rewards Account. You:

•

Can use the points in your Rewards

Account for up to 30 days from the date

of cancellation if you keep at least one

Card Account open, it isn't canceled or

past due, and there is no return payment

outstanding.

•

Will immediately lose all the points in your

Rewards Account if you don't keep any

Card Accounts open.

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 Rewards Account

•

Cancel your American Express Cards

The Rewards Program is intended to benefit

individuals, whether they have a Card Account on

their own or through their employer. Business and

Corporate Card Members 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.

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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.

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.

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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 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.

Page 9 of 16 CMAENDDMMRT0101

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.

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.

Page 10 of 16 CMAENDDMMRT0101

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 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.

Page 11 of 16 CMAENDDMMRT0101

Questions?

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

Compare Cards

The table below shows the American Express Cards that are eligible to participate in the Rewards Program. It also

summarizes some of the Rewards Program differences between Cards.

Not all Card Members are eligible to participate in the Rewards Program. Some eligible Card Members are

automatically enrolled in the Rewards Program at no additional charge. Other Card Members must choose to enroll

and pay an annual Rewards Program fee. Some Cards are eligible to buy more points than others, and some are

eligible to transfer points to participating loyalty programs while others aren't. Also, some Cards will earn extra

points on certain purchases, while others won't.

The value of the points you earn depends on which Card(s) you have. Visit membershiprewards.com/pointsinfo

to see the value of points by Card.

Consumer Cards

Card/Product

Name

Automa

tically

Enroll

ed?

Annual

Enrollm

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.

(not including superstores or warehouse clubs).

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.

Page 12 of 16 CMAENDDMMRT0101

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.

(not superstores or warehouse clubs).

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

Some Blue

from American

Express

Cards

Yes None Contact

us to find

out

No No

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

Page 13 of 16 CMAENDDMMRT0101

Senior Gold

Card from

American

Express

No $40 500,000 Yes No

International

Dollar Platinum

Card

Yes None 500,000 Yes 1 additional point (for a total of 2 points) at restaurants in the U.S.

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 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 Charles

Schwab

Yes None 500,000 Yes 4 additional points (for a total of 5 points) on the first $500,000

of airfare 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 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 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 in the U.S.

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.

(not including superstores or warehouse clubs).

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.

Page 14 of 16 CMAENDDMMRT0101

Traditional

Gold Card from

Ameri- can

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

Card/Product

Name

Automa

tically

Enroll

ed?

(2)

Annual

Program

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

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

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.

Airfares for scheduled flights charged directly with passenger

airlines -- charter flights 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.

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 or visit

open.com/businessgold.

Page 15 of 16 CMAENDDMMRT0101

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:

• Airfare for scheduled flights charged directly with passenger

airlines -- charter- flights and private jet flights excluded;

• Advertising purchased in the U.S. to promote your business

online, on television, or on the radio;

• Computer hardware, software, and cloud computing

purchases in the U.S. made directly from providers listed at:

americanexpress.com/rewards-info;

• Gasoline at gas stations in the U.S. (not including superstores,

supermarkets and warehouse clubs that sell gasoline);

• Restaurants in the U.S.;

• Shipping services purchased in the U.S. for courier, postal, and

freight.

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) on each eligible

purchase of $5,000 or more, up to a maximum of 100,000 additional

points associated with this benefit each calendar year.

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

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).

Page 16 of 16 CMAENDDMMRT0101

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 Program 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

Automa

tically

Enroll

ed?

(2), (3),

(4)

Annual

Pro-

gram

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

American

Express®

Corporate Gold

Card

Maybe None None Yes No

Corporate

Platinum

Card® from

American

Express

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

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).

You can only enroll in the Rewards Program if your Corporate Card is issued in your own name.

Corporate Cards from the same company can't be linked to the same Rewards Program account.

You may not enroll if your company blocks Corporate Card enrollment in the Rewards Program.