IMPORTANT INFORMATION REGARDING RATES, FEES, AND OTHER COST INFORMATION

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

20.99% to 29.99%, based on your creditworthiness and other factors as determined at the time of account opening.

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

29.99%
This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

29.99%
This APR will vary with the market based on the Prime Rate.

This APR may be applied to new transactions on your account if:
1) you make one or more late payments; or
2) your payment is returned by your bank

We may also consider your creditworthiness in determining whether or not to apply the penalty APR to your Account.

How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed.

Paying Interest

Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay each month your entire balance (or if you have a plan outstanding, your balance adjusted for plans) by the due date. We will begin charging interest on cash advances on the transaction date.

Plan Fee (Fixed Finance Charge)

Up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Membership Fee

$650

Transaction Fees
  • Cash Advance
  • Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
  • None
Penalty Fees
  • Late Payment
  • Up to $40
  • Returned Payment
  • Up to $40
  • Overlimit
  • None


How We Will Calculate Your Balance: We use a method called "average daily balance (including new transactions)."

Variable APRs will not exceed 29.99%.

Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal on the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, Variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 03/19/24.

TERMS AND CONDITIONS


View the full Card Member Agreement .


By submitting this application, you are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.

When you use your Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you. Your Card Member Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding.

We may change the Card Member Agreement subject to applicable law. We may do this in response to the business, legal, or competitive environment. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Card Membership.

Additional Cards: Additional Card Members do not have accounts with us but they can use your Account subject to the terms of the Card Member Agreement, must be at least 13 years of age and never had a default account with American Express. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account. You must pay for all charges they make. You authorize us to give Additional Card Members information about your Account and to discuss it with them.

We may issue you a Personal Identification Number (PIN) to use to obtain cash advances at participating ATMs. Or you may request a PIN for cash advances by contacting us. We will send you a letter confirming your PIN.

USA PATRIOT Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin's Marital Property Act will adversely affect a creditor's interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

New York Residents: New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York State Department of Financial Services 1-800-342-3736 or www.dfs.ny.gov

Notice to California Residents: An Applicant, if married, may apply for a separate account.

Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Notice to Oregon Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.



Marriott Bonvoy Brilliant® American Express® Card is issued by American Express National Bank. ©2024 American Express National Bank.

©2024 Marriott International, Inc. All Rights Reserved. All names, marks and logos are trademarks of Marriott International, Inc. or its affiliates, unless otherwise noted.

POID K753:9998

OFFER TERMS

You may not be eligible to receive a welcome offer if you have or have had this Card or the Starwood Preferred Guest® American Express Luxury Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Welcome offer not available to applicants who (i) have or have had The Ritz-Carlton® Credit Card from JPMorgan or the J.P. Morgan Ritz-Carlton Rewards® Credit Card in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 90 days, or (iii) received a new Card Member bonus or upgrade offer for the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase in the last 24 months.

Earn 185,000 Marriott Bonvoy® Bonus Points
You can earn 185,000 Marriott Bonvoy® bonus points after you complete $6,000 or more (the "Threshold Amount") in eligible purchases on Marriott Bonvoy Brilliant® American Express® Card within your first 6 months of Card Membership, starting from the date your account is opened. Eligible purchases to meet the Threshold Amount can be made by the Basic Card Member and any Additional Card Members on a single Card account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. Additional Card Members on your account are not eligible for this offer. Bonus points will appear on your Marriott Bonvoy member account 8–12 weeks after you reach the Threshold Amount. Bonus points may appear on your account in more than one deposit. To earn the bonus points, your Card account must not be canceled or past due at the time of fulfillment.

You can earn 185,000 Marriott Bonvoy® bonus points after you spend $6,000 or more on eligible purchases on your Card within your first 6 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend $6,000 may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The Marriott Bonvoy bonus points will be applied 8-12 weeks after the spend threshold is met.

This offer is not transferable. If your application is not received by 5/1/2024, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.

If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain an offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit, we may freeze, or we may take away the Marriott Bonvoy points from your account. We may also cancel this Card account and other Card accounts you may have with us.

BENEFIT TERMS

The following benefits and services are subject to change or cancellation.

To receive the $100 USD property credit ("Property Credit"), you must book using the Member rate named "$100 Property Credit, Luxury Credit Card Rate" and pay, upon checkout, with your eligible Marriott Bonvoy American Express Card, which are: Marriott Bonvoy Brilliant® American Express® card (U.S.), Marriott Bonvoy® American Express® Premium Card (Japan), Marriott Bonvoy® American Express® Card (Japan), or Marriott Bonvoy® American Express® Card (Saudi Arabia) or Marriott Bonvoy® American Express® Card (United Kingdom).

When you book through www.marriottbonvoy.com or by calling Marriott Bonvoy at 1-800-450-4442, for a two-night minimum stay at The Ritz-Carlton® or St. Regis® using the Member rate named "$100 Property Credit, Luxury Credit Card Rate", you will be eligible to receive a property credit of up to $100 per booking to be used on qualifying purchases on property including dining, spa services and hotel recreational activities that are not managed by a third party. When booking online, you must be logged into the Marriott Bonvoy account linked to your Card account to be eligible to book this rate. When booking by phone, please reference the "$100 Property Credit, Luxury Credit Card Rate" Member rate. You must confirm you are booking the correct $100 property credit rate at time of booking. Card Member will receive a credit equal to $1 USD for each dollar of qualifying charges made at the property under the Card Member's booking, up to $100 USD. The property credit will be applied as a credit on your bill upon checkout (and not on your American Express billing statement). Qualifying charges do NOT include property fees, taxes, gratuities and the cost of the room. Additional exclusions based on specific hotel restrictions may also apply (including, without limitation, purchases within the hotel that are made with a third party merchant and alcohol where prohibited by local ordinances). Please see the applicable hotel front desk for details. You must use your Marriott Bonvoy Brilliant American Express Card to pay your bill upon checkout. Stays booked by the Basic Card Member on the eligible Card account are eligible for the $100 USD Property Credit benefit. Additional Card Members on your account are not eligible for this benefit. Each booking is only eligible to receive a property credit of up to $100, regardless of the number of rooms booked. The property credit cannot be carried over to another stay, is not redeemable for cash, and expires at checkout if not used on qualifying purchases on property during the stay. The property credit is non-exchangeable, non-transferable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate at time of checkout. May not be combined with other offers or programs unless indicated. Back-to-back stays within a 24-hour period at the same property are considered one stay.

You can receive up to $300 in statement credits issued to your Card Account for eligible purchases charged to your Marriott Bonvoy Brilliant® American Express® Card at restaurants worldwide. Purchases by both the Basic Card Member and Additional Card Members on an eligible Card Account are eligible for statement credits. Each Card Account is eligible for up to $25 in statement credits per month, for a total of up to $300 per calendar year in statement credits across all Cards on the Account. The Dining Credit benefit is not valid for the purchase of gift cards or merchandise, or for purchases at non-restaurant merchants including nightclubs, convenience stores, grocery stores, or supermarkets. American Express relies on the merchant to process transactions within the same calendar month that you made the purchase in order to apply the statement credit in the month that it was intended. For example, if you make an eligible purchase on the last day of the month and the merchant doesn't process that transaction until the next day, the transaction date will reflect the next day's date and the statement credit would be applied in the following month. Purchases posted after 120 days from the transaction date will not be considered for a statement credit. If American Express does not receive information that identifies your transaction as eligible for this benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. You may not receive the statement credit if the transaction was made at a restaurant located within another establishment (e.g., a restaurant inside a hotel, casino, or event venue) if that transaction is not recognized as a purchase at a restaurant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet, through a third party, or if the merchant uses a mobile or wireless card reader to process it. Please allow 8 -12 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to your Account. To be eligible for this benefit, your Card Account must not be canceled or past due at the time of statement credit fulfillment. For additional information, call the number on the back of your Card.

The 25 Elite Night Credits will be credited to your Marriott Bonvoy® Member Account within 60 days upon opening your Marriott Bonvoy Brilliant® American Express® Card Account. On or before March 1 of each subsequent calendar year, the 25 Elite Night Credits will be credited to your Marriott Bonvoy Member Account operated by Marriott International, Inc., in accordance with Marriott Bonvoy terms and conditions, as long as your Card Account is open as of December 31 of the prior calendar year. To be eligible to receive the 25 Elite Night Credits with this Card, you must be the Basic Card Member, and you must have an active Marriott Bonvoy Member Account linked to your Card Account. A maximum of 25 Elite Night Credits will be provided per Marriott Bonvoy Member Account, unless you have both an open Marriott Bonvoy Business Card account and an open Marriott Bonvoy Brilliant Card account; then, you will receive a combined maximum of 40 Elite Night Credits (25 Elite Night Credits as a benefit of an eligible Marriott Bonvoy Brilliant American Express Card account plus 15 Elite Night Credits as a benefit of an eligible Marriott Bonvoy Business Card account). This benefit is not exclusive to Cards offered by American Express.

You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Brilliant® American Express® Card.

You will receive 1 additional point (for a total of 3 points) from American Express for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Brilliant® American Express Card for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded) and 1 additional point (for a total of 3 points) for each dollar charged at restaurants worldwide. You will NOT earn 1 additional Point for purchases at nightclubs, convenience stores, grocery stores or supermarkets. You may not earn 1 additional point for purchases at a restaurant located within another establishment (e.g., a restaurant inside a hotel, casino, or event venue) as purchases made at a restaurant located within establishments such as a hotel may be recognized as a purchase at a hotel, not a restaurant.

You will receive 4 additional points (for a total of 6 points) for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Brilliant® American Express Card when charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards) that, in each case, are wholly owned or managed by Marriott International, Inc and its affiliates. Eligible purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of traveler's checks, person-to-person transactions, the purchase or reloading of prepaid cards, and purchases of other cash equivalents. Additional terms and restrictions apply. Points received from your Card will be posted to your Marriott Bonvoy member account up to 12 weeks after the end of each month. Points may appear in your account in more than one deposit. To be eligible to receive points, the Card Account must not be cancelled or in default at the time of bonus fulfillment.

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 receive additional points if the merchant's code is not included in a reward category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward 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. Please visit americanexpress.com/rewards-info for more information about rewards.

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

Participating airlines, car rental companies, and conversion rates are subject to change. See www.airandcar.marriott.com for full program details.

Access tickets may be purchased by American Express® Card Members for select events and select seats, during a specified period. Tickets must be purchased using an American Express Card (including, for example, the American Express International Dollar Cards). Tickets are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Access tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

Early Access tickets may be purchased by American Express® Card Members for select events and select seats, during a specified period prior to the general on-sale dates for those events. Tickets must be purchased using an American Express Card (including, for example, the American Express International Dollar Cards). Tickets are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Early Access tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members. Tickets must be purchased with an American Express Card. Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities. For more information, please visit americanexpress.com/entertainment.

Preferred Access tickets may be purchased by eligible American Express® Card Members for select events and select seats, during a specified period. Tickets are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. When purchasing tickets, enter the 10-digit customer service phone number on the back of your eligible Card when prompted. Tickets must be purchased using one of the following U.S.-issued American Express Cards: Consumer, Business, or Corporate Platinum Card® or Centurion® Card; Consumer or Business Delta SkyMiles® Platinum Card; Consumer or Business Delta SkyMiles® Reserve Card; Consumer, Business, or Corporate Gold Card; Classic Business Gold Card; Business Gold Rewards Card; Executive Business Card; Hilton Honors American Express Surpass® Card; Hilton Honors Aspire Card; Marriott Bonvoy Brilliant® Card; Marriott Bonvoy Bevy Card; or Marriott Bonvoy® Card. Tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.

The American Express® App and app features are available only for eligible accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.

To log in, customers must have an American Express user ID and password or create one in the app.

iOS and Android only. See app store listings for operating system info.

Eligible Card Members can redeem an Amex Offer by first enrolling in the offer in their online account or in the American Express® App and then using their enrolled Card to pay. Only U.S.-issued American Express Consumer and Business Cards and registered American Express Serve® and Bluebird Cards may be eligible. We may consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your eligibility to access Amex Offers. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers program, or any other Amex program. Offers are also available to Additional Card Members and available offers may vary for each eligible Card Member. Please review the terms of each offer for details on how to redeem. For full Program Terms, visit www.americanexpress.com/us/amexoffersterms/.

©2024 Marriott International, Inc. All Rights Reserved. All names, marks and logos are trademarks of Marriott International, Inc. or its affiliates, unless otherwise noted.

Card Member Performances are available to all Card Members. Simply pay with your American Express® Card. Tickets are subject to the rules, terms & conditions, and fees set by the ticket seller, event promoter and/or the venue, as applicable. Offer is fulfilled by ticket seller, subject to availability and may be changed or revoked at any time. Not all seats available. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.

Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to Card Membership. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited only to those amounts not covered by any other insurance or indemnity. For more information about the coverage, please see the Guide to Benefits at americanexpress.com/CPPTerms.

Benefits are valid for new bookings of eligible cruises or tour packages made through American Express Travel with participating travel providers using an eligible U.S. Consumer, Business, Corporate American Express® Card. Payment must be made with the eligible Card, and that Card Member must travel on the itinerary booked. Benefits may not be available to residents outside the 50 United States. Benefits apply per booking, not per traveler and cannot be combined with other offers unless indicated. Blackout dates may apply. Participating travel providers and benefits are subject to change and vary by travel provider. Benefits are non-transferable, subject to availability, and cannot be redeemed for cash, cash-equivalents, or credit.

Not all disputes are resolved in the Card Member's favor.

If, in any calendar year of Card Membership, your total eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card reach or exceed $60,000 ("Purchase Requirement"), you will be eligible to select one of the following benefits as part of the Brilliant Earned Choice Award. The available benefit options include:
• Five Nightly Upgrade Awards (Formerly Suite Night Awards)
• $1,000 Bed Discount from Marriott Retail Brands
• Free Night Award with a redemption value up to 85K points
The list of available Brilliant Earned Choice Award benefit options is subject to change without notice and at any time. See choice-benefit.marriott.com/brilliant for more information.

Eligible purchases to meet the Purchase Requirement includes goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. This benefit is only available to the Basic Card Member on the Card Account and only one Brilliant Earned Choice Award may be earned each calendar year per Card Account. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible toward the Purchase Requirement. To qualify for the Earned Choice Award, your Card account must be open and not in default at the time the Award is earned.

Once you reach the Purchase Requirement for the Brilliant Earned Choice Award, you can select from one of the available benefits by visiting https://www.choice-benefit.marriott.com/brilliant. Your selection must be made online through this website and may not be made through Member Support.

You must select your earned Brilliant Earned Choice Award benefit by February 1st of the year following when you reached the Purchase Requirement. For example, if you reach the Purchase Requirement at any time in 2024, you must select your Brilliant Earned Choice Award benefit by February 1, 2025. In the event that you reach the Purchase Requirement for the Brilliant Earned Choice Award and fail to select a Brilliant Earned Choice Award by 11:59 pm EST February 1st of the year following when you reached the Purchase Requirement, you will automatically receive the Five Nightly Upgrade Awards as your Brilliant Earned Choice Award benefit. For any questions on your benefit selection, you may call Marriott Customer Engagement Center.
1. Five Nightly Upgrade Awards
• Each Nightly Upgrade Award may be redeemed for advance confirmable upgrades for select Premium Rooms or suites on a per room, per night basis, subject to availability.
• It may take up to 8-12 weeks for Five Nightly Upgrade Awards to be deposited into the Marriott Bonvoy member account after the Card Member selects this benefit.
• Three days prior to check-in, the property will begin checking for availability for Nightly Upgrade Award redemption. If the hotel cannot confirm availability by 2 pm local time one (1) day prior to arrival, the awards are credited back to the member's account if they have not expired.
• Nightly Upgrade Awards may be used on eligible paid stays as well as Award Redemption Stays.
• One Nightly Upgrade Award is required per room per night. Nightly Upgrade Awards may be used only when there are enough in the Card Member's Marriott Bonvoy member account so that one is applied to every night of the reservation. For example, if a Card Member books a stay for one room for three nights, they must have three Nightly Upgrade Awards to apply this benefit to the reservation.
• A Nightly Upgrade Award is required for each night of the stay including any nights that may be designated "free" such as the Stay for 5, Pay for 4 Offer.
• Nightly Upgrade Awards are valid through December 31st of the year following the year in which the Earned Choice Award was earned.

2. $1,000 Bed Discount from Marriott Retail Brands
• The $1,000 Bed Discount from Marriott Retail Brands may be redeemed for $1,000 off the full retail value valid on select Marriott Retail Brands' mattresses and box springs.
• It may take up to 8-12 weeks to receive the promotional code after the Card Member selects this benefit.
• Award is valid through December 31st of the year following the year in which the Earned Choice Award was earned.

3. Free Night Award
• The Free Night Award has a redemption value of up to 85K points for one standard room. Certain resort fees may apply.
• It may take up to 8-12 weeks for the Free Night Award to be deposited into the Marriott Bonvoy member account after the Card Member selects this benefit.
• Award is only available to the Basic Card Member on the account. Award is valid for one (1) year from issuance date. Award may not be transferred, extended beyond the expiration date, or re-credited for points.
• Free Night Award Redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days.

American Express is not responsible for fulfillment of Earned Choice Award redemptions. Redemptions are subject to the terms and conditions of Marriott Bonvoy. For more information about your Earned Choice Award benefit redemption options and for full terms and conditions, visit choice-benefit.marriott.com/brilliant.

Marriott Bonvoy Brilliant® American Express® Card Members are eligible to receive one statement credit every 4 years for the Global Entry application fee or every 4.5 years for the TSA PreCheck application fee (when applying through a TSA official enrollment provider), in each case when charged to their eligible Card. Card Members will receive a statement credit for the first program (either Global Entry or TSA PreCheck) to which they apply and pay for a five year program with their eligible Card. The charge for the application fee can be made by the Basic Card Member or any Additional Card Members on a single Card account. The Card Account can receive no more than one credit for up to $85 for TSA PreCheck or $100 credit for Global Entry (but not both programs), depending on the program for which the Card Member first applies. American Express has no control over the application and/or approval process for Global Entry or TSA PreCheck, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA PreCheck programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA PreCheck) charge an application fee to process each respective application regardless of whether the Card Member's application is approved. The Department of Homeland Security may suspend acceptance of applications on any basis at its discretion. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA PreCheck) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within four years, even if the original application is rejected.

Membership for Global Entry or TSA PreCheck is per person, and a separate application must be completed for each individual.

For additional information on the Global Entry and TSA PreCheck programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.globalentry.gov for Global Entry and www.tsa.gov for TSA PreCheck. The Global Entry and TSA PreCheck programs are subject to change, and American Express has no control over those changes.

The statement credit benefit applies to the Global Entry or TSA PreCheck programs only. Other program applications including, but not limited to, NEXUS, SENTRI, FAST and Privium are not eligible for the statement credit benefit.

Please allow up to 8 weeks after the qualifying Global Entry or TSA PreCheck transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible Global Entry and TSA PreCheck purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Card Members are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active through the time of statement credit fulfillment.

Each year, after renewal of your Marriott Bonvoy Brilliant® American Express® Card, you will receive one Free Night Award from Marriott Bonvoy®. The Free Night Award can be redeemed for a one-night stay inclusive of room rate and applicable taxes at participating Marriott Bonvoy hotels with a redemption level at or under 85,000 Marriott Bonvoy points. Limit one Free Night Award per year of membership.

The Card Member may be responsible for payment of additional mandatory resort fees at properties where resort fees are applicable, and is responsible for all incidental charges. This benefit is only available to the Basic Card Member on the Card Account.

The Free Night Award will be automatically deposited into your Marriott Bonvoy member account within 8-12 weeks after your renewal month. If your account anniversary month changes (for example, due to a card replacement) your Free Night Award will be triggered within your new renewal month and available within 8-12 weeks. You will receive an email from Marriott Bonvoy to the email address listed on your Marriott Bonvoy member account confirming that the Free Night Award has been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your Free Night Award. To redeem the Free Night Award, you must log into your Marriott Bonvoy member account and apply the Free Night Award during booking. The Free Night Award will expire one (1) year from issuance. Your Free Night Award may not be combined with cash when redeeming for your free night but you are able to redeem or purchase up to 15,000 Marriott Bonvoy points to expand the value of your Free Night Award in accordance with the Marriott Bonvoy Terms and Conditions located at https://www.marriott.com/loyalty/terms/default.mi. Your Free Night Award may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Free Night Award, your account must be open and not in default at the time of the Free Night Award issuance. Free Night Award redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days. For complete limitations and exclusions, please visit www.marriott.com/loyalty/redeem.mi.

Please visit https://www.marriott.com/loyalty/terms/default.mi#participatingpropertiesandbrands for a list of participating properties. American Express is not responsible for fulfillment of Free Night Award redemptions.

Redemptions are subject to the terms and conditions of Marriott Bonvoy.

Instant Card Number eligibility is based on our ability to instantly authenticate you. If you are eligible for Instant Card Number, you will receive an Instant Card Number that you may be able to use virtually anywhere American Express is accepted and a physical Card will not be required. In certain instances (for example, if we cannot instantly authenticate you) you may only be able to use your Instant Card Number at a select merchant until you receive your physical Card. You may not have access to your full credit line until after you confirm receipt of your physical Card. We will mail your physical Card within 5-7 business days of account approval.

Valid only for American Express Card Members. If you book a qualifying hotel rate on amextravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, the same rate type and cancellation policy at a lower price online, before taxes and fees, we'll refund you the difference. For pre-paid reservations, your claim must be submitted prior to your stay, before the date of check-in. For verification of "pay later" hotel bookings, your claim must be submitted within thirty (30) days after you have completed the hotel stay, and the customer service representative may instruct you to mail a copy of your hotel receipt to American Express within that time period. American Express will honor the lower price for verified requests. The "Lowest Hotel Rates Guarantee" policy applies only to online rates available to the general public and excludes (1) rates or discounts that are not available to the general public, including, but not limited to, corporate, group, charter, meeting/convention, AAA, government/military, and senior citizen rates/discounts; or (2) hotel rooms booked through or in combination with frequent stay, loyalty, points, coupon promotions, rooms won through contests or sweepstakes or transferred, or rooms booked on opaque websites that do not allow you to see the name of the hotel until your reservation is complete; or (3) promotional packages, deals, all-inclusive packages, or bundles that may include additional amenities such as parking, meals, or entertainment, or (4) rates booked through the Fine Hotels + Resorts® and The Hotel Collection programs. Details

Marriott Bonvoy members earn up to ten (10) base Marriott Bonvoy points for each U.S. dollar, or the currency equivalent, that is incurred and paid for on Qualifying Charges at hotels which participate in Marriott Bonvoy. Certain exclusions and limitations apply. For more information and complete Marriott Bonvoy Loyalty Program Terms and Conditions, visit marriottbonvoy.com/terms.

Marriott Bonvoy MomentsSM is an exclusive program for Marriott Bonvoy members where Marriott Bonvoy points can be transformed into once-in-a-lifetime experiences. Events have included coveted VIP tickets to the hottest concerts of the year, championship sporting events, and red carpet premieres. Marriott Bonvoy members may use points to bid on or redeem for experiences on marriottbonvoy.com/moments. Offer based on first-come, first-served with limited space available or while supplies last. Employees of Marriott International, Inc. are ineligible to use points for Marriott Bonvoy Moments.

You will receive complimentary Marriott Bonvoy Platinum Elite status with your Marriott Bonvoy Brilliant® American Express® Card. This complimentary Platinum Elite status benefit is only available to the Basic Card Member. If your Card is cancelled for any reason, your complimentary Platinum Elite status provided with the Card will be cancelled. For more information about Platinum Elite status and complete Terms and Conditions, visit marriottbonvoy.com/terms.

Marriott Bonvoy Platinum Elite Members are eligible for 4 p.m. late checkout, subject to availability at resort and convention hotels. To request a late checkout, a Marriott Bonvoy Platinum Elite Member should call the front desk by the morning of checkout and request a late checkout up until 4 p.m. Late checkout is not available at Marriott Vacation Club or The Ritz-Carlton Reserve.

Platinum Elite Members and above receive a complimentary upgrade to the best available room, subject to availability on the day of arrival, for the entire length of stay. Enhanced rooms may include suites, rooms with desirable views, rooms on high floors, corner rooms, rooms with special amenities or rooms on Executive Floors. At The Ritz-Carlton, suites are only included for Titanium Elite and Ambassador Elite Members and rooms with direct Club access are excluded. Upgrades are subject to availability and identified by each hotel, provided the room was booked directly with Marriott on a Qualifying Rate. Not offered at Marriott Vacation Club, Marriott Grand Residence Club, Sheraton Vacation Club, Westin Vacation Club, Aloft, Element, and Ritz-Carlton Reserve. Refer to Marriott Bonvoy Loyalty Program Terms & Conditions for exclusions and more information on Qualifying Rates. Rooms booked through third party online retailers and tour operator bookings are not eligible for this benefit.

A Marriott Bonvoy Platinum Elite member will earn 50% more points on eligible purchases at hotels participating in Marriott Bonvoy for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.

American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

Pay It®

Pay It® is only available in the American Express® App for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments.

Your Account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Card account issued by a U.S. banking subsidiary of American Express that is not canceled, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible.

Plan It®

With Plan It®, you can create up to 10 active payment plans, each subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. You will be offered 1-3 plan duration options for the qualifying purchase. The plan duration options can vary based on a variety of factors such as the purchase amount, your Account history and your creditworthiness. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your Account. If you create a plan during an introductory or promotional APR period, your plan fee will be based on the introductory or promotional APR as long as the plan is created before 11:59pm MST on the last day of the introductory or promotional period.

To create a plan, select qualifying purchases of $100 or more and a plan duration. If you have a Card with a Credit Limit, you may also be able to select a qualifying amount of $100 or more and a plan duration. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. However, you may select only one qualifying purchase for each plan that you create in the American Express App. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) do not include purchases of cash or cash equivalents, balance transfers (if offered), purchases subject to Foreign Transaction Fees, or any fee owed to us, including Annual Membership fees. Unless you are creating a plan at checkout, please allow 2-3 days for your purchase to post to your Account. Once your purchase posts and is no longer pending, you can create a plan for that purchase.

Your ability to create plans will be based on a variety of factors such as your creditworthiness, and your Credit Limit or Pay Over Time Limit, as applicable. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. You may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. You will not be able to create plans if your Pay Over Time feature is suspended or your Account is canceled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. The number and length of plan duration options offered to you, the number of active plans you can have at a time, and your ability to include multiple qualifying purchases in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history. After a plan is paid in full, it will be removed from your Account in the next billing period.

Plan It is available on Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Only the Basic Card Member or Authorized Account Managers on the Account can create a plan. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or Account numbers issued by other financial institutions are not eligible.

While Premium Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members may be responsible for the costs charged by third-party service providers. Premium Global Assist Hotline may provide emergency medical transportation assistance at no cost if approved and coordinated by Premium Global Assist Hotline. For full Terms and Conditions call 1-800-345-AMEX or see americanexpress.com/GAterms.

For primary Card Members only, available at participating Marriott Bonvoy hotels. Marriott Bonvoy member account number must be provided at the time of reservation. Premium Internet access is limited to one room per eligible Card Member per stay regardless of how many rooms have been reserved. Some exclusions apply (www.marriottbonvoy.com/terms).

These Terms and Conditions govern Marriott Bonvoy Brilliant American Express® Card Members' participation in and use of the Priority Pass Select program. Marriott Bonvoy Brilliant American Express® Card Members must enroll in the Priority Pass Select program through the benefits section of their americanexpress.com account or by calling the number on the back of their Card to receive the benefit. Priority Pass is an independent airport lounge access program. At any visit to a Priority Pass Select lounge that admits guests, you may bring in two guests for no charge. After two guests, you will be automatically charged the guest visit fee equal to the guest visit fee of the Priority Pass Standard program for each additional guest. Some lounges do not admit guests. By enrolling in Priority Pass Select, you agree that you will be responsible for any additional accompanying guest visits and that your Card will be automatically charged after you have signed for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Marriott Bonvoy Brilliant® American Express® Card Members whose Card account is not cancelled may access participating Priority Pass Select lounges by presenting your Priority Pass Select card and airline boarding pass. In some lounges, Priority Pass Select member must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com/select. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass Select card and membership package, which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your Card. Please note, Additional Card Members are not eligible for membership. To receive immediate access to lounges after your enrollment in Priority Pass Select has been processed, you can activate your membership online by using your Priority Pass Select membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.

Marriott Bonvoy® points redeemed for a free night include the cost of a standard room and applicable taxes only. Some hotels may have resort fees and other mandatory fees. Please contact hotel or resort for complete details. Points required for a free night range from 7,500 points to 85,000 points. Marriott properties that are all suites, villas, or have mandatory board require higher points redemptions. Points required per night are updated continuously and may change at any time. If the Card Member makes a modification to the Award Redemption Stay, the Card Member is responsible for the changes to the points required. For complete information on reward stays, visit www.marriott.com/loyalty/redeem.mi.

Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit www.americanexpress.com/travelterms.

California CST#1022318; Washington UBI#600-469-694

Send & Split® is only available in the American Express® App ("Amex App") to Card Members with an eligible Card. Eligible Cards are US-issued Basic Consumer Cards that are issued by American Express National Bank and are not cancelled. Prepaid Cards, American Express Corporate Cards, American Express Small Business Cards, American Express-branded cards or account numbers issued by other financial institutions and American Express Cards issued outside of the United States are not eligible Cards. To use Send & Split, you must first have an email address on file, enroll in Send & Split® in your American Express Online Account ("Online Account") and open an Amex Send® stored balance account in the Amex App ("Send Account"). Send & Split allows you to: (i) send a person-to-person payment from your Send Account to Venmo and PayPal users ("Send") and (ii) split a Card purchase ("Split") and receive funds to your Card account as a statement credit or to your linked Venmo or PayPal account. You may use Send & Split® with an Additional consumer Card that is issued in the US by American Express National Bank and is not cancelled if you also have an eligible Card in the same Online Account and that Online Account is enrolled in Send & Split. You must have or create an account with Venmo or PayPal and link your Online Account to your PayPal or Venmo account to use Send & Split. You must add money to your Send Account from your eligible Card(s) to Send to a Venmo or PayPal recipient. The money you add will be reflected in your Send Account balance. The charge on your Card for an Add Money transaction does not earn rewards and is subject to the Card's purchase APR. Once the Send from your Send Account is available in the recipient's Venmo or PayPal account, you do not have the ability to cancel the transaction. There is no fee to Send to US recipients. PayPal charges a fee to Send to non-US recipients. With Split, you can split pending or posted purchases that are made with your eligible Card in your Amex App. Once you select a purchase to Split, select the contacts you want to request to Split with. You can choose to get paid back as a statement credit to your Card account (a Split credit) or to your linked Venmo or PayPal account. Split credits to your Card account apply when we receive confirmation that the Split request was completed but may take 24-36 hours to post to your Card account. You are still responsible to pay the full purchase amount charged to your Card, regardless of whether you are paid back via Split. You earn rewards for purchases that you split in the same way that you earn rewards for other purchases. Other eligibility and restrictions apply. For complete details visit americanexpress.com/sendandsplitterms to view Terms & Conditions. Send Account issued by American Express National Bank.

Enrolling in the Benefit.
To get the free ShopRunner membership benefit compliments of American Express (the "benefit"), you must go to www.shoprunner.com/americanexpress and verify your eligibility for the benefit with an eligible Card account number and then complete the sign up for a ShopRunner membership account ("ShopRunner account"). For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at https://www.shoprunner.com/terms/sr/ which govern the use of your ShopRunner membership benefit. You may also be able to enroll in this benefit through access provided to ShopRunner at participating online stores or through an email provided by American Express if it has determined that you have an eligible Card. An "eligible Card" means an American Express U.S. Consumer or Small Business Credit or Charge Card that is not cancelled and that is issued to you by a U.S. banking subsidiary of American Express. Prepaid Cards and products, American Express Corporate Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible. ShopRunner will verify with American Express the eligibility of your Card account number for the benefit.

Maintaining the Benefit.
To maintain this benefit on your ShopRunner account, you must maintain an eligible Card. The benefit may be cancelled on your ShopRunner account if you do not have an eligible Card. You can maintain only one benefit per eligible Card.
During your enrollment in the benefit, ShopRunner and American Express will verify your benefit eligibility.

Treatment of Existing ShopRunner Memberships.
If you enroll in the benefit and sign up with an existing ShopRunner account, ShopRunner will cancel the term of your existing ShopRunner account. If you paid a fee for any unused portion of the cancelled term of membership, ShopRunner will provide you with a pro rata refund for that portion in accordance with ShopRunner's refund policy. The refund will be processed within 2-4 weeks after enrollment and will be issued to the payment method you used to pay the fee. If a portion of the cancelled term of membership was promotional or free, the free period will be cancelled by ShopRunner and forfeited by you. If you currently have a free or promotional membership on your ShopRunner account, you should consider whether to enroll in the benefit at this time.

General Terms.
An eligible Card can be used to verify eligibility for only one benefit enrollment. American Express may receive and use your personal data from ShopRunner, which may include personally identifiable information and Credit Card information, to determine eligibility and further develop features and services related to the benefit. American Express may send you emails regarding your enrollment in this benefit. Any information American Express collects from you or from ShopRunner shall be governed by the American Express Online Privacy Statement (https://www.americanexpress.com/privacy). American Express may change, modify, cancel, revoke, or terminate this benefit at any time.
You can review these Terms and Conditions at any time by visiting https://www.shoprunner.com/terms/amex/.

When you request that we apply a limit as described below on Charges incurred by an Additional Card Member on your Account, you agree to these terms. These terms supplement, and are incorporated by reference into, the terms of your Card Member Agreement.

At your request, we may agree to apply a limit to the total dollar amount of Purchases, during each billing period, that are charged to Card numbers associated with one or more specified Additional Card Members on your Account. At your request, we may agree to apply a limit to the total dollar amount of cash access transactions at ATMs, during each billing period, that are made using Card numbers associated with one or more specified Additional Card Members on your Account. If we agree to apply a limit, it is not a guarantee that the Additional Card Member will be able to make Purchases or cash access transactions up to the applicable limit. In applying any limit we will not take into account any credits (such as for returned merchandise or for payments), even if a credit relates to a Purchase made by the Additional Card Member. Any request that we change a limit may not be effective until a subsequent billing period. Any Charges (as defined below) incurred by the Additional Card Member prior to the date during a billing period that we apply the limit will not be subject to the limit for that billing period.

Because of systems or administrative considerations, arrangements with merchants, or for other business reasons, we may, but are not required to, treat some Purchases and/or cash access transactions (collectively, Charges) as not being subject to any such limits. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. While we typically require merchants to obtain an authorization for purchases and submit final transaction documentation for payment in a timely manner, a limit may not apply or may be exceeded when a merchant does not obtain an authorization for any reason; when a merchant obtains an authorization for a partial amount of the final charge submitted to us for payment; or when such submissions are not submitted or processed at the same time that the authorization is obtained. Examples may include, but are not limited to: Charges made outside of the U.S., in duty-free stores, or on board airplanes or cruise vessels; international airline ticket Purchases; vehicle rentals; lodging stays extended beyond original reservation period; certain mail order Purchases; Purchases billed on a recurring basis; Purchases at gas stations; telecommunications charges, including charges incurred with calling cards; taxicab charges; security deposits; late, damage or other fees in connection with rentals; Purchases billed in installments; restaurant tips and other gratuities; and Charges that occur before the end of billing period, if the Charge is posted to your Account after the Closing Date of that billing period. Any limit will not be applied to Charges for foreign currency or for travelers cheques or gift cheques obtained other than by telephone from us.

The Spending Limit for the Additional Card Member(s) is optional. If no Spending Limit is set on the Additional Card, spending capacity on this Card will be subject to the Basic Card Member's account terms and conditions.

The Upfront Price Offer represents the personalized price that a Certified Dealer offers for a specific in-stock VIN that closely matches the vehicle you configured. If you change your vehicle or the optional features, it will change your pricing. For full Terms and Conditions, see amexnetwork.truecar.com.

Marriott International, Inc. will add 5,000 bonus miles for every 60,000 points you transfer to airlines miles. For a list of participating airlines, transfer ratios, and full program details, go to marriottbonvoy.com. Participating airlines and transfer ratios are subject to change. Check with your frequent flyer program for details on redemption of airline miles.

Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to the Card Member. Coverage is subject to certain terms, conditions and limitations, including limitations on the amount of coverage. This benefit provides secondary coverage. For more information about the coverage, please see the Guide to Benefits at americanexpress.com/TCITerms.

Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to the Card Member. Coverage is subject to certain terms, conditions and limitations, including limitations on the amount of coverage. This benefit provides secondary coverage. For more information about the coverage, please see the Guide to Benefits at americanexpress.com/TDTerms.

The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.

AMEX ASSURANCE COMPANY DISCLOSURES

For important information on policy terms, go to americanexpress.com/benefitsguide

Baggage Insurance Plan is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/BIPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.

Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/CRLDIterms. If You have any questions about a specific vehicle, please call Us at 1-800-338-1670, if international, collect at 1-303-273-6497.

Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/EWterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.

Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.