Important information regarding rates, fees, and other cost information

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

20.99% (Prime Rate + 12.49%) to 29.99% (Prime Rate + 21.49%), based on your creditworthiness 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% (Prime Rate + 21.99%)
This APR will vary with the market based on the Prime Rate.

Penalty APR and When It Applies

29.99% (Prime Rate + 25.99%)
This APR will vary with the market based on the Prime Rate.
This APR will apply to your account if:
1) You make 2 or more late payments in a 12-month period;
2) You do not pay the Minimum Payment due by the closing date of the billing period in which it is due; or
3) You make a payment that is returned.
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for a minimum of 12 billing periods in a row, and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.

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 your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

Fees

Annual Membership Fee

$125

Transaction Fees
  • Cash Advance
  • Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
  • None
Penalty Fees
  • Late Payment
  • Up to $39
  • Overlimit
  • None
  • Returned Payment
  • $39


We use a method called "average daily balance (including new transactions)."

If a penalty APR applies to your account for any reason we will end any introductory APRs and a penalty APR will apply to your Account.

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 03/18/2024.

TERMS AND CONDITIONS

View the full Card Member Agreement.

By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents. When you use the Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you for the Account. The Card Member Agreement includes an arbitration provision, which impacts the 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 terms of, or add new terms to, the Card Member Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law.

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.

You must notify Additional Card Members that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Card Member Agreement. The maximum number of additional cards issued on each account is 99.

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.

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

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.

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

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.

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.

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

POID K71X:9999

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® Business Credit Card from American Express 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 Marriott Bonvoy® Premier Plus Business Credit Card from Chase, the Marriott Rewards® Premier Plus Business Credit Card from Chase, the Marriott Bonvoy Business® Credit Card from Chase, or the Marriott Rewards® Business Credit Card from Chase in the last 30 days, (ii) have acquired the Marriott Bonvoy Bountiful Credit Card from Chase, the Marriott Bonvoy Boundless® Credit Card from Chase, the Marriott Bonvoy Bold® Credit Card from Chase, in the last 90 days, or (iii) received a new Card Member bonus offer in the last 24 months on the Marriott Bonvoy Bountiful Credit Card from Chase, Marriott Bonvoy Boundless® Credit Card from Chase, or the Marriott Bonvoy Bold® Credit Card from Chase.

5 Free Night Awards
You can earn five bonus Free Night Awards from Marriott Bonvoy after you use your Marriott Bonvoy Business® American Express® Card to complete $8,000 (the "Threshold Amount") of eligible purchases within the first 6 months of Card Membership, starting from the date your account is opened. In rare instances, your period to spend $8,000 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). 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. To earn five bonus Free Night Awards, your Card account must not be canceled or past due at the time of fulfillment.

Each bonus 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 50,000 Marriott Bonvoy points. Please visit redeem.marriottbonvoy.com/hotels to find participating Marriott Bonvoy hotels. 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.

The bonus Free Night Awards will be automatically deposited into your Marriott Bonvoy member account within 8-12 weeks after you reach the Threshold Amount in the form of an e-certificate. You will receive an email from Marriott Bonvoy to the email address listed on your Marriott Bonvoy member account confirming that the bonus Free Night Award e-certificates have been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your bonus Free Night Award e-certificates. To redeem the bonus Free Night Award e-certificates, you must log into your Marriott Bonvoy member account and apply the e-certificate during booking. The bonus Free Night Award e-certificates will expire after 1 year from issuance. E-certificates may not be transferred, extended beyond the expiration date, or re-credited for points. American Express is not responsible for fulfillment of Free Night Award e-certificate redemptions. Redemptions are subject to the terms and conditions of Marriott Bonvoy, available at https://www.marriott.com/loyalty/terms/default.mi.

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 Free Night Awards from your account. We may also cancel this Card account and other Card accounts you may have with us. This offer is not transferable. If your application is not received by 03/20/2024, 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.

BENEFIT TERMS

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

The 15 Elite Night Credits will be credited to your Marriott Bonvoy® Member Account within 60 days upon opening your Card Account. On or before March 1 of each subsequent calendar year, the 15 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 15 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 15 Elite Night Credits will be provided per Marriott Bonvoy Member Account, unless you have both an open Marriott Bonvoy Business® American Express® Card account and an open Marriott Bonvoy Bevy American Express® Card account; or, you have both an open Marriott Bonvoy Business® American Express® Card account and an open Marriott Bonvoy® American Express® Card account. Then, you may receive a combined maximum of 30 Elite Night Credits (15 per Card account). If you have both an open Marriott Bonvoy Business® American Express® Card account and an open Marriott Bonvoy Brilliant® American Express® Card account, you may receive a combined maximum of 40 Elite Night Credits (15 Elite Night Credits as a benefit of an eligible Marriott Bonvoy Business Card account plus 25 Elite Night Credits as a benefit of an eligible Marriott Bonvoy Brilliant American Express 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 Business® American Express® Card.

You will receive 2 additional points (for a total of 4 points) for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Business American Express Card when charged directly at restaurants worldwide, on gasoline at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers & on purchases made from merchants in the U.S. for shipping.

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 Business American Express Card when charged directly with properties participating in Marriott Bonvoy, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards) that, in each case, are 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 payments, 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. To be eligible to receive points, Card Member's 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. 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.

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.

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.

Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.

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

Merchants are categorized based on what they primarily sell. You will not receive an alert if an Employee makes a purchase at a merchant from an approved category, whether or not you consider that purchase to be a part of a particular category.

Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. 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. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.

If, in any calendar year of Card Membership, your total eligible purchases on your Marriott Bonvoy Business® American Express® Card reach $60,000, you will receive one Free Night Award from Marriott Bonvoy®. Eligible purchases to meet the purchase requirement are 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. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on the Card Account.

The Free Night Award can be redeemed for a one-night stay inclusive of room rate and applicable taxes at hotels participating in Marriott Bonvoy with a redemption level at or under 35,000 Marriott Bonvoy® points. 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 you meet the purchase requirement. 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 e-certificate has been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your Free Night Award e-certificate. To redeem the Free Night Award e-certificate, you must log into your Marriott Bonvoy member account and apply the e-certificate during booking. The Free Night Award e-certificate will expire 1 year from issuance. E-certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Free Night Award, your account must not be cancelled or past due at the time of the Free Night Award e-certificate issuance. Please visit redeem.marriottbonvoy.com/hotels for a list of participating properties. American Express is not responsible for fulfillment of Free Night Award e-certificate redemptions. Redemptions are subject to the terms and conditions of Marriott Bonvoy.

Each year, after renewal of your Marriott Bonvoy Business 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 35,000 Marriott Bonvoy points.

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 in the form of an e-certificate within 8-12 weeks after your renewal month. If your account anniversary month changes (for example, due to a card replacement) and or you are not subject to an annual fee, 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 e-certificate has been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your Free Night Award e-certificate. To redeem the Free Night Award e-certificate, you must log into your Marriott Bonvoy member account and apply the e-certificate during booking. The Free Night Award e-certificate will expire after 1 year from issuance. E-certificates 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 e-certificate issuance.

Please visit redeem.marriottbonvoy.com/hotels for a list of participating properties.

American Express is not responsible for fulfillment of Free Night Award e-certificate redemptions.

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

While Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.

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

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

To request a late checkout, a Marriott Bonvoy Gold Elite Member should call the front desk by the morning of checkout and request a late checkout up until 2 p.m. hotel time. Subject to availability at select properties. Must book with a Qualifying Rate.Refer to Marriott Bonvoy Loyalty Program Terms & Conditions for exclusions and more information.

A Marriott Bonvoy Gold Elite member is eligible for an enhanced room upgrade. Enhanced room upgrades are based upon availability at time of arrival and are limited to a Member's personal guestroom at no additional charge. Enhanced rooms may include rooms with desirable views, rooms on high floors, corner rooms, rooms with special amenities, and rooms on Executive Floors. Enhanced room upgrades do not include suites. 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 Gold Elite member will earn 25% 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.

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 Moments℠ 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.

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.

Marriott Bonvoy Business® American Express® Card Members can receive a total discount of 7% off the Standard Flexible Room Rate (the "Amex Business Card Rate") when they book an Eligible Room directly through an Eligible Channel at a Participating Property and select the Amex Business Card Rate at booking. Here's how:

● As a Marriott Bonvoy member (even without the Card), you have access to Member Rates, which offers a discount of 2%-5% off the Standard Flexible Room Rate.
● In addition, as a Card Member, you can select the Amex Business Card Rate to get an additional discount which will add up to a total of 7% off the Standard Flexible Room Rate. See Marriott Bonvoy Loyalty Program Terms and Conditions for more information about Member Rates.

"Standard Flexible Room Rate" means the publicly available retail rate offered by Participating Properties at the time of booking to individual guests who are not Marriott Bonvoy members. "Eligible Rooms" include standard guest rooms and not Premium Rooms (Premium Rooms are upgraded rooms based on size, view, services, and/or other attributes, and include suites). "Participating Properties" includes hotels which participate in the Marriott Bonvoy program, excluding stays at Design Hotels, Marriott Executive Apartments®, Marriott Vacation Club®, Marriott Grand Residence Club®, Vistana Signature Network, Vistana Residence Network, The Ritz-Carlton Destination Club®, All-Inclusive by Marriott Bonvoy®, and Homes & Villas by Marriott Bonvoy®.

To be eligible for the Amex Business Card Rate, the Card Member must be the Basic Card Member, have an active Marriott Bonvoy Member Account in good standing at the time of the stay, and make an advance reservation. Card Members can use their Marriott Bonvoy Business® American Express® Card to pay their bill upon checkout. Amex Business Card Rate reservations must be made via Marriott.com, the Marriott mobile app, or by contacting a Marriott worldwide telephone reservation center ("Eligible Channels"). When a Card Member books a reservation on Eligible Channels for the Amex Business Card Rate, they are still eligible to earn Marriott Bonvoy points as they usually do on their stay at Participating Properties. If a Card Member books their reservation online, they must be logged into their Marriott Bonvoy account linked to their Card account in order to be eligible for the Amex Business Card Rate. If a Card Member books their reservation by phone, they must reference the Amex Business Card Rate.

The Amex Business Card Rate may not be combined with other promotions, offers, or discounts, and is not valid for existing reservations or reservations for ten (10) or more guest rooms. The Amex Business Card Rate may not be applied to stays booked using Marriott Bonvoy points or with qualified transient rates including government rates, negotiated rates, AAA rates, and the Senior Discount rate. Rooms booked through third-party online retailers and travel agency bookings are not eligible for the Amex Business Card Rate. All Marriott Bonvoy terms and conditions apply.

See www.marriott.com/loyalty/terms/default.mi for more information.

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.

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).

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.

Terms, conditions and restrictions vary by individual Card products.

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

You may add up to 99 total Employee Cards on your account.

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.

Vendor Pay by Bill.com is available on American Express Business and Corporate Cards. Card Members must sign up for Vendor Pay and enroll the Card for payments by going to www.americanexpress.com/vendorpay. Not all suppliers may accept American Express virtual payments. The Basic plan has no monthly fee for the first user and no fee for a second user for six months from when the first user signs up. After six months, the second user will have a fee of $15 per month. The Advanced version has a monthly fee of $59 or $99 per user depending on select accounting systems. The monthly fees are set by Bill.com and subject to change at Bill.com's discretion. Fees are in addition to American Express Card fees. There are additional per transaction fees for check and ACH services.

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.