IMPORTANT INFORMATION REGARDING RATES, FEES, AND OTHER COST INFORMATION

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR) for Purchases

0% introductory APR for the first 12 months from the date of account opening.

After that, your APR will be 19.24% 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 Balance Transfers

0%, introductory APR for the first 12 months from the date of account opening on balance transfers requested within 60 days of account opening.

After that, your APR for those transactions and any other balance transfer requests, if we accept them, will be 19.24% 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 balance transfers and cash advances on the transaction date.

Plan Fee (Fixed Finance Charge)

0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be 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

$0 intro annual fee for the first year, then $95

Transaction Fees
  • Balance Transfer
  • Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance
  • Either $10 or 5% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
  • 2.7% of each transaction after conversion to US dollars.
Penalty Fees
  • Late Payment
  • Up to $40
  • Returned Payment
  • Up to $40
  • Overlimit
  • None

0% introductory APRs and introductory plan fees are not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your 0% introductory APRs and introductory plan fee eligibility.

Eligible purchases made during the introductory period will receive an introductory 0% purchase APR for the duration of the introductory period. At the end of the introductory period, the APR for these purchases will be the standard purchase APR on the account, which varies with the Prime Rate. The variable APR will not exceed 29.99%. Eligible purchases do not include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.


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.

Only balance transfers from accounts in your name requested within 60 days from the date of account opening will be approved. You may make up to two balance transfer requests, up to your eligible balance transfer amount. Each request may include transfers from up to four accounts in your name. We will charge your Card account for the total approved amount of all balance transfers. Each balance transfer will reduce your available credit just like any other transaction. You may not request a balance transfer amount less than $100.

The eligible balance transfer amount will be
i) less than your credit limit and not more than $7,500;
ii) determined based on your creditworthiness and other factors including your account history with American Express; and
iii) provided to you after your application has been approved.

We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Not all accounts are eligible. Additional Card Members may not request or authorize balance transfers.

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.



Blue Cash Preferred® from American Express is issued by American Express National Bank. ©2024 American Express National Bank.

POID K02T:8963

OFFER TERMS

You may not be eligible to receive the welcome offer, intro APRs, and intro plan fees if you have or have had this Card, the Morgan Stanley Blue Cash Preferred® American Express Card or previous versions of these Cards. You also may not be eligible to receive the welcome offer, intro APRs, and intro plan fees 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 the welcome offer, intro APRs, and intro plan fees we will notify you prior to processing your application so you have the option to withdraw your application.

$250 Statement Credit
You can earn a $250 statement credit after you make $3,000 (the “Threshold Amount”) or more in eligible purchases on your Blue Cash Preferred® Card within your first 6 months of Card Membership, starting from the date that your account is opened. The statement credit will be applied 8–12 weeks after the Threshold Amount is met. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of traveler's 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 a single Card Account. Additional Card Members on your account are not eligible for this offer. To receive the $250 statement credit, your Card Account must not be past due or cancelled at the time the statement credit is posted to your Card Account.

You can earn the $250 statement credit after you spend $3,000 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 $3,000 may be shorter than 6 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 6 months 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 statement credit will be applied 8–12 weeks after the spend threshold is met.

This offer is not transferable. 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 statement credit from your account. We may also cancel this Card account and other Card accounts you may have with us.

Annual Fee
The introductory annual fee for the Blue Cash Preferred® Card from American Express will be $0 for the first year of Card Membership. After that, the annual fee will be $95.

BENEFIT TERMS

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

Subscriptions purchased within the Equinox+ app or through a third party are not eligible for a statement credit through this benefit. To receive this benefit, Basic Blue Cash Preferred® Card Members must enroll in their American Express Benefit Dashboard.

Basic Card Member(s) on a Blue Cash Preferred® Card Account are eligible to receive up to a total of $10 in statement credits each month across all Cards on the Blue Cash Preferred® Card Account on subscription fees for a stand-alone monthly subscription to the Equinox+ app. Subscription fees must be charged directly by Equinox+ to the enrolled Card Account to be eligible for statement credits. Any Equinox+ charges other than charges for monthly subscription fees are not eligible. Purchases by both the enrolled Basic Card Member and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is only eligible for up to a $10 statement credit per month, for a total of $120 per calendar year in statement credits across all Cards on the Account. Eligible Card Members must be at least eighteen (18) years old, or must have the written consent of a parent or legal guardian if they are between the ages of sixteen (16) and eighteen (18), to enroll in an eligible Equinox+ subscription. To be eligible for this benefit, Card Account must be not canceled or past due at the time of statement credit fulfillment. Please allow 6-8 weeks after an eligible purchase is charged to the Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant to process transactions within the same calendar month that you made the purchase in order to apply the $10 monthly statement credit in the month that it was intended. For example, if you make an eligible purchase on the last day of the month, but the merchant doesn't process that transaction until the next day, then the statement credit would be applied in the following month. A statement credit will not be received if American Express does not receive information that identifies your transaction as eligible for this benefit.

To receive this benefit for an existing Equinox+ subscription, Card Members (or their parent or legal guardian, as applicable) must enroll in this benefit in their American Express Benefit Dashboard and pay their monthly subscription membership fees with their eligible Blue Cash Preferred® Card online through www.equinoxplus.com. Card Members who currently pay their monthly subscription fees through the Equinox+ app will not receive the benefit unless they change their Equinox+ subscription to an online account, which can be done by contacting Equinox Member Experience at https://eqx.force.com/memberexperience/s/contactsupport.

To receive this benefit for a new Equinox+ subscription, Basic Card Members (or their parent or legal guardian, as applicable) must enroll in this benefit in their American Express Benefit Dashboard. Then, Card Members must access the Equinox+ website at m.equinoxplus.com/e/amexjoin to purchase an Equinox+ subscription with their eligible Blue Cash Preferred® Card and agree to the Equinox+ Terms and Conditions and Privacy Policy.

Your subscription to the Equinox+ app is subject at all times to the foregoing and Equinox Media's additional standard rules, policies and procedures. Equinox Media reserves the right to terminate an Equinox+ subscription for any failure to comply with, or as otherwise permitted in, such terms, rules, policies and procedures. For additional assistance, Basic Card Members can reach us by logging into their online American Express account and clicking on the "Chat" feature on the bottom right hand corner. Alternatively, you can call the number on the back of your Card. Please note if you purchase an Equinox+ subscription, it will continue and automatically renew, and you will be charged on a monthly recurring basis until your subscription is cancelled.

Enrollment on the American Express Benefit Dashboard is required to receive this benefit. Basic Blue Cash Preferred® Card Members are eligible to receive a $7 statement credit each month after a qualifying purchase is made on the Card Account online at U.S. websites Disneyplus.com, Hulu.com or Plus.espn.com and in U.S. dollars of at least $9.99 (excluding taxes) in that calendar month. "Qualifying purchases" include Disney Bundle monthly subscription purchases of at least $9.99 a month (excluding taxes) and any other monthly or annual subscription purchase or add-ons of at least $9.99 (excluding taxes) in any one calendar month purchased at U.S. websites Disneyplus.com, Hulu.com or Plus.espn.com made on your enrolled Card Account. If you purchase a monthly subscription, unless you notify the merchant that you want to cancel, your subscription will automatically renew for another monthly subscription period (subject to applicable law). This means that the merchant will collect the then-applicable subscription fee and any taxes by charging a credit card the merchant has on record for you without notifying you unless notification is required by applicable law. Your purchase will not qualify if you purchase your subscription through a third-party device or digital platform (unless the device or platform redirects to Disneyplus.com, Hulu.com or Plus.espn.com for purchase), or as a bundle with cable services or as another bundle. If you upgrade an already existing Disney+, Hulu or ESPN+ subscription to the Disney Bundle monthly subscription in the middle of a subscription month, your first month's subscription purchase will be pro-rated and may be less than $9.99 and therefore may not qualify for a statement credit that month. Further, if you change an already existing Disney+, Hulu or ESPN+ annual subscription to the Disney Bundle and your ongoing monthly charge is less than $9.99, your purchase may not qualify for a statement credit. A single purchase of an annual subscription on an enrolled account also qualifies for a $7 statement credit, but the Card Account would only be eligible for a one-time $7 statement credit in the month of this purchase.

Once enrolled in this benefit, Basic Blue Cash Preferred® Card Members or any Additional Card Members on the Card Account must spend a minimum of $9.99 in one or more qualifying U.S. purchases by the last day of each calendar month for the Account to be considered eligible for a statement credit in that month. The ability to earn a statement credit will reset on the first day of each calendar month and end on the last day of the same calendar month. Qualifying purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and any Additional Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for one $7 statement credit per month. If you signed up for the Disney Bundle through Disney+, including using your ESPN+ account information, you may cancel your subscription online through your Disney+ account. If you signed up for the Disney Bundle through Hulu, you may cancel your subscription online through Hulu. Please note, if you had a pre-existing Disney+, Hulu or ESPN+ subscription before signing up for the Disney Bundle, your pre-existing subscriptions may continue. For more information, please visit the Disney+ Help Center. Must be 18 or older to subscribe to Disney+ or the Disney Bundle. Use of the service is subject to the Disney+ Subscriber Agreement and Disney Privacy Policy (at https://www.disneyplus.com/legal/subscriber-agreement).

Please allow 6-8 weeks after a qualifying purchase is charged to the Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant to process transactions within the same calendar month that you made the purchase in order to apply the $7 monthly statement credit in the month that it was intended. For example, if you make an eligible purchase on the last day of the month, but the merchant doesn't process that transaction until the next day, then the statement credit would be applied in the following month. A statement credit will not be received if American Express does not receive information that identifies your transaction as eligible for this benefit. To be eligible for this benefit, Card Account must not be canceled and not past due at the time of statement credit fulfillment. For additional information, call the number on the back of your Card.

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

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/.

Basic Card Members will earn cash back only on eligible purchases and in the form of Reward Dollars (reward dollars). The number of reward dollars earned is based on a percentage of the dollar amount of eligible purchases during each billing period.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of other cash equivalents., gift cards, person-to-person transactions, or any portion of a purchase that is covered by Reward Dollars at point of sale.

Basic Card Members will earn a reward of 6% cash back on the first $6,000 of eligible purchases in a calendar year (then 1%) at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); 6% cash back on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at americanexpress.com/rewards-info). If a subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), the purchase may not be eligible; 3% cash back on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); 3% cash back on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); and 1% cash back on all other eligible purchases.

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

Basic Card Members can redeem reward dollars for statement credits or for eligible items at Amazon.com checkout, with no minimum redemption amount. Basic Card Members cannot use cash back to pay the Minimum Due. The Basic Card Member must link their Card Account to their Amazon.com account in order to use reward dollars at Amazon.com.

When a Basic Card Member uses reward dollars at Amazon.com, we will charge their Card Account for the purchase, deduct the reward dollars from the available reward dollars on their Card Account, and apply a credit to their Card Account to reflect the reward dollars used.

In addition to these Terms and Conditions, the terms and conditions for Shop with Points at Amazon.com apply to eligible purchases made with reward dollars at Amazon.com.

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.

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.

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.

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

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.

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.

Only qualifying American Express Card accepting small merchants will be featured on the map. Please note that business location and other information provided on the map may contain inaccuracies or errors, including as a result of information provided by third parties. The data on this map is constantly being updated, please continually check back for updates.

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.

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

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.