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If you have questions about these Terms and Conditions,
Please Contact us at 1-800-AXP-EARN (1-800-297-3276)

Terms and Conditions

ABOUT THE PROGRAM

1. Important Notice

We may add to and/or change the Membership Rewards program Terms & Conditions at any time. For example, we could:

  • Change the number of points you can earn for spending
  • Change the number of points required to get rewards
  • Impose caps and/or fees on earning and/or using points
  • Increase annual and/or other program fees
  • Cancel rewards

We also may cancel the program at any time, as long as we give you three months notice. During this three-month period, we may change or cancel some or all of the rewards that are current at that time. Once the three months have passed, you'll no longer be able to earn or use points.

Our merchants and rewards may change at any time. Card Members can only use points for rewards that are currently available. Certain rewards are only available for specific time periods.

Some rewards may have additional terms and conditions, including those from our merchants. To see detailed terms and conditions for a specific reward, find your reward on membershiprewards.com and then click the "Terms and Conditions" link on the reward detail page.

When you use points to get rewards, you release American Express and all of its affiliates from liability for your use of points, for the reward and how you use it, and for your participation in the program.

American Express and our merchants are not responsible for replacing lost, stolen or damaged certificates, tickets or gift cards.

We may refuse your request to use points if any of your Linked Card Accounts are not in good standing.

These Terms & Conditions apply to your participation in the Membership Rewards program. Your Card Member Agreement applies to your Linked Card Account.

2. WHO CAN USE THE PROGRAM & ANNUAL FEES

Not all Card Members are eligible to participate in the Membership Rewards program. Some eligible Card Members are automatically enrolled in the program at no additional charge. Other Card Members must choose to enroll and pay an annual fee. Each Card account or Card that is linked to your program account is called a Linked Card Account. Use the chart below to see if you are eligible for the program, whether you are automatically enrolled and whether there is an additional cost for enrolling. If your Card is not listed in the chart below, you are not eligible for the program.

Card/Product Name Automatically Enrolled? Additional Cost to Enroll?
Consumer Cards    
Amex EveryDay® Credit Card Yes None
Amex EveryDay® Preferred Credit Card Yes None
Gold Card from American Express Yes None
American Express® Green Card Yes None
American Express® Senior Gold Card No $40
American Express® Senior Green Card No $40
American Express® Traditional Gold Card No $40
American Express® Traditional Green Card No $40
Ameriprise Gold Card Yes None
Blue for Students® Card Yes None
Some Blue from American Express® Cards Yes None
Centurion® Card Yes None
Fidelity American Express® Gold Card No $40
Fidelity American Express® Green Card No $40
Gold Optima® Card No None
Mercedes-Benz Credit Card from American Express Yes None
Morgan Stanley Credit Card from American Express Yes None
Optima® Credit Card No None
Platinum Card from American Express® Yes None
Optima® Platinum Card® No None
Premier Rewards Gold Card from American Express Yes None
ZYNC® Card Yes None
OPEN Cards    
Blue for Business® Credit Card Maybe* None
Business Centurion® Card from American Express OPEN® Yes None
Business Gold Card No $40
Business Gold Rewards Card Yes None
Some Business Green Cards No $40
Business Green Rewards Card Yes None
Business Management Account No None
Business Membership Rewards® Card Yes None
Business Platinum Card® Yes None
Business Purchase Account No $40
Some Costco Business Cards No $40
Executive Business Card No $40
Platinum Business Credit Card® No None
Small Business Card℠ No $40
Corporate Cards    
American Express® Corporate Green Card No*** $90
American Express® Corporate Gold Card No*** $90
Corporate Centurion® Card from American Express Maybe** None
Corporate Platinum Card® from American Express Maybe** None
Global Dollar Card - American Express® Corporate Platinum Card Maybe** None
Global Dollar Card - American Express® Corporate Card No*** $75
Global Dollar Card - American Express® Corporate Executive Gold Card No*** $75

* Because some Cards vary in their benefits, you may need to contact us to find out if your Card is automatically enrolled in the program or if there is any additional cost to enroll.

** If a company has not blocked Membership Rewards, the Cards will be automatically enrolled in the Membership Rewards program.

*** If a company blocks the Membership Rewards program, then the Card Member will not be eligible to enroll in the program.

Any Additional Business Card Members on an account can enroll in the program on their own. However, Additional Card Members on a Consumer Card account must be enrolled by the basic Card Member. Eligible Corporate Card Members are only able to enroll in the program with a Corporate Card issued in their name. Enrolled Corporate Cards from the same company can't be linked to the same program account.

Please note that if you already have a Card enrolled in Membership Rewards when you enroll a Business Charge or Credit Card, the Cards may be automatically linked.

The annual program fee will be billed to your Card account on your enrollment date anniversary each year. Your enrollment date is the day we complete processing your enrollment. Please note this fee is non-refundable. Eligible Cards must be in good standing to enroll in the program. Your enrollment in the program may be canceled if any of your Linked Card Accounts are not in good standing.

Basic and additional Corporate Card Members and Executive Corporate Card Members may enroll in the program unless their company has chosen not to enable participation in the program.

All eligible Cards and accounts must be issued by American Express or one of its affiliates in the U.S. and billed in U.S. dollars from an American Express Operations Center in the U.S.

Card eligibility may change at any time.

3. POINTS

Points are not your property. You can't transfer points to any other person or program account. Additionally, points can't be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce.

The value of Membership Rewards points varies according to how you choose to use them. If you have more than one Card account linked to your Membership Rewards program account, the value of the points you receive will be determined using the Card that provides the highest point value. To learn more, go to www.membershiprewards.com/pointsinfo.

Go to - Getting Points

GETTING POINTS

1. USING YOUR CARD

Most Card Members will earn one point for every dollar charged for an eligible purchase to their Linked Card Account. To earn points, you must pay the amount due on your Linked Card Account statement on time. If it's necessary for you to enroll your Card in Membership Rewards in order to participate in the program, you won't earn points for eligible purchases that you made before your enrollment date. As long as you pay the minimum amount due, you will get points for the full amount of any charge applied to the following:

  • Sign & Travel®
  • Extended Payment Option
  • Flexible Payment Option
  • Select & Pay Later
  • Eligible American Express Credit Card charges

The following transactions aren't eligible purchases and you won't earn points for them:

  • Cash Advances
  • Balance Transfers
  • Privileged Assets
  • Express Cash
  • Corporate Express Cash
  • Purchases of American Express® Travelers Cheques or American Express® Gift Cheques
  • Purchases paid with points
  • Purchases and loads of reloadable prepaid cards
  • Card account fees and charges (such as late payment fees, Card account annual fees, interest charges and delinquency charges)
  • Membership Rewards program fees and charges (such as program annual fees and charges for unsatisfied Points Advances)
  • Fees for Card Member services you enroll in

2. GETTING ADDITIONAL POINTS

The following Cards are eligible to earn additional points:

American Express® Gold

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Gold Card from American Express you will earn:

  • One (1) additional point (for a total of two (2) points) for airfare on a scheduled fight charged directly with passenger airlines (Charter flights and private jet flights are excluded);
  • One (1) additional point (for a total of two (2) points) at restaurants located in the US.
Premier Rewards Gold

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Premier Rewards Gold Card from American Express you will earn:

  • Two (2) additional points (for a total of three (3) points) for airfare on a scheduled flight charged directly with passenger airlines (Charter flights and private jet flights are excluded);
  • One (1) additional point (for a total of two (2) points) for gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations);
  • One (1) additional point (for a total of two (2) points) for purchases at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets);
  • One (1) additional point (for a total of two (2) points) at restaurants located in the US.
Amex EveryDay℠ Credit Card

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Amex EveryDay℠ Credit Card you will earn:

  • 1 additional point (for a total of 2 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets).
How the 20% Extra Points Benefit Works:
  • If you make 20 or more separate purchases of goods or services in a billing period with your Amex EveryDay℠ Credit Card ("Card"), you earn 20% extra Membership Rewards points on those purchases less returns and credits with a date in that billing period. A transaction where you buy multiple items counts as one purchase. 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. This benefit will not apply to any limited time promotions and offers (such as a Welcome Bonus).
Impact of Returns and Credits
  • Returns and credits do not reduce your purchase count. Returns and credits will reduce the number of Membership Rewards points and extra Membership Rewards points earned.
  • Example: Suppose in a billing period you make 20 purchases totaling $500 and you return a $200 item that you purchased in the same or a prior billing period. The return does not reduce your purchase count, but it does reduce the Membership Rewards points on those purchases from 500 to 300. So, in this example you would earn 20% extra on those 300 points.
When Purchases Count
  • To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your January billing period, it might not post to your account until your February billing period. If this happens, the purchase still counts towards your January billing period. In rare instances, a purchase may not post to your account for several billing periods. For example, extreme weather or other business disruptions may delay a merchant in submitting transactions to us. If a purchase posts to your account more than four billing periods after the purchase date, we count it for the billing period in which it posts, and not the purchase date.
  • Some merchants combine separate charges into a single transaction before submitting it to us. When this happens, the combined transaction will count as a single purchase for purposes of counting towards 20 separate purchases. For example, if you charge three items to your Card at the same online merchant at three separate times over one or more days, the merchant may combine those three charges and submit them as a single transaction. In that case, that combined transaction will count as one purchase.
Transaction Dates
  • A date of a purchase, return or credit may sometimes be different 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. Also, if you use your Card while traveling (on a hotel, car rental, or while on a cruise), the purchase date may be the date you complete that travel.
General Terms
  • You will typically receive the 20% extra Membership Rewards points six to eight weeks after the billing period in which they were earned.
Amex EveryDay℠ Preferred Credit Card Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Amex EveryDay℠ Preferred Credit Card you will earn:
  • 2 additional points (for a total of 3 points) on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets).
  • 1 additional point (for a total of 2 points) for gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations)
How the 50% Extra Points Benefit Works:
  • If you make 30 or more separate purchases of goods or services in a billing period with your Amex EveryDay℠ Preferred Credit Card ("Card"), you earn 50% extra Membership Rewards points on those purchases less returns and credits with a date in that billing period. A transaction where you buy multiple items counts as one purchase. 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. This benefit will not apply to any limited time promotions and offers (such as a Welcome Bonus).
Impact of Returns and Credits
  • Returns and credits do not reduce your purchase count. Returns and credits will reduce the number of Membership Rewards points and extra Membership Rewards points earned.
  • Example: Suppose in a billing period you make 30 purchases totaling $500 and you return a $200 item that you purchased in the same or a prior billing period. The return does not reduce your purchase count, but it does reduce the Membership Rewards points on those purchases from 500 to 300. So, in this example you would earn 50% extra on those 300 points.
When Purchases Count
  • To count purchases for this benefit, we use the date of the purchase. For example, if you make a purchase on the last day in your January billing period, it might not post to your account until your February billing period. If this happens, the purchase still counts towards your January billing period. In rare instances, a purchase may not post to your account for several billing periods. For example, extreme weather or other business disruptions may delay a merchant in submitting transactions to us. If a purchase posts to your account more than four billing periods after the purchase date, we count it for the billing period in which it posts, and not the purchase date.
  • Some merchants combine separate charges into a single transaction before submitting it to us. When this happens, the combined transaction will count as a single purchase for purposes of counting towards 30 separate purchases. For example, if you charge three items to your Card at the same online merchant at three separate times over one or more days, the merchant may combine those three charges and submit them as a single transaction. In that case, that combined transaction will count as one purchase.
Transaction Dates
  • A date of a purchase, return or credit may sometimes be different 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. Also, if you use your Card while traveling (on a hotel, car rental, or while on a cruise), the purchase date may be the date you complete that travel.
General Terms
  • You will typically receive the 50% extra Membership Rewards points six to eight weeks after the billing period in which they were earned.
Business Gold Rewards ($175)

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Business Gold Rewards Card from American Express OPEN you will earn, for the first $100,000 in eligible spending in each calendar year in each of the five categories specified below:

  • Two (2) additional points (for a total of three (3) points) in one category of your choice from the five categories below and
  • One (1) additional point (for a total of two (2) points) in the remaining categories.

The five categories are:

  • Airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded);
  • Advertising purchased in the U.S. to promote your business online, on television, or on the radio;
  • Gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations);
  • Shipping services purchased in the U.S. for courier, postal, and freight; and
  • Computer hardware, software, and cloud computing purchases in the U.S. made directly from select providers. (The current list of select computer hardware, software, and cloud computing providers is available at: americanexpress.com/rewards-info.)

Eligible purchases in excess of $100,000 in the applicable category in a calendar year will earn only one point for each dollar spent. You may select the category in which to earn two (2) additional points within the first two months of becoming a Card Member. Thereafter, you can change your selection only once during the annual selection period which runs from December 1st to January 31st each year. You can only change your category once annually. You can make your category selection by either calling the number on the back of your Card or going to open.com/businessgold. If you do not make a selection during the initial enrollment period, you will receive two (2) additional points on airfare purchased directly from airlines. If you do not change your election during the annual selection period, your category will remain the same as the previous year. Only the Basic Card Member or Authorized Account Manager with Full Access may make the selection and that selection will apply to purchases made by all Card Members on the account.

Mercedes Benz Credit Card

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Mercedes-Benz Credit Card from American Express you will earn:

  • Four (4) additional points (for a total of five (5) points) on eligible purchases at authorized participating Mercedes-Benz dealerships, excluding monthly loan and lease payments (other restrictions at individual dealerships may apply);
  • Two (2) additional points (for a total of three (3) points) on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations), for each transaction of $400 or less;
  • One (1) additional point (for a total of two (2) points) at restaurants located in the U.S.
The Platinum Card for Mercedes Benz

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Mercedes-Benz Platinum Card from American Express you will earn:

  • Four (4) additional points (for a total of five (5) points) on eligible purchases at authorized participating Mercedes-Benz dealerships, excluding monthly loan and lease payments (other restrictions at individual dealerships may apply).
Morgan Stanley Credit Card

Subject to these Terms and Conditions, for each dollar charged for an eligible purchase in each billing period on your Morgan Stanley Credit Card from American Express you will earn:

  • One (1) additional point (for a total of two (2) points) for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded);
  • One (1) additional point (for a total of two (2) points) at restaurants located in the U.S.;
  • One (1) additional point (for a total of two (2) points) for purchases at select department stores located in the U.S. and listed at americanexpress.com/rewards-info;
  • One (1) additional point (for a total of two (2) points) for car rentals purchased directly from select car rental companies listed at americanexpress.com/rewards-info

Eligible purchases are purchases for goods and services minus returns and other credits.

Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points.

Merchants are assigned codes and categorized based on what they primarily sell. A purchase will not earn additional points if the merchant, or a particular merchant location, uses a code that is not eligible for additional points. For questions about additional points on a purchase, call the number on the back of your Card.

A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

Purchases made through third parties (including resellers and online marketplaces) or through a third party payment account will not earn additional points.

Please visit americanexpress.com/rewards-info for more information about rewards.

3. BUYING POINTS

If you don't have enough points for a reward, you can buy up to either 100,000 or 500,000 points (depending on your Card) per calendar year.

You can buy points in 1,000-point increments (at a rate of 1,000 points for $25) and the charge will be billed on your Card account. You can buy points only when you are in the process of using points for a reward and don't have enough. You can only buy points for your own program account. All program Terms and Conditions, including those about forfeiting points, apply to points that you buy. Corporate Card Members are not eligible to buy points.

To find out how many points you can buy, see the chart below. Please note that this information only applies to Cards that aren't linked with others on the same program accounts. If you have a Card enrolled in Membership Rewards when you enroll a second Card, the Cards will be linked to the same program account. If this happens, both Cards will be eligible for the benefits available to the Card with the greater benefits. For example, if you link a Blue Card to a program account with your Platinum Card, you will be eligible to buy up to 500,000 points (versus 100,000).

Card Name Buy Points Limit
  • Blue for Business® Credit Card
  • Blue for Students® Card
  • Some Blue from American Express® Cards*
  • Business Management Account
  • Gold Optima® Card
  • Optima® Credit Card
  • Platinum Optima® Card
  • Platinum Business Credit Card®
  • ZYNC® Card
100,000
  • Amex EveryDay℠ Credit Card
  • Amex EveryDay℠ Preferred Credit Card
  • American Express® Gold Card
  • American Express® Green Card
  • American Express® Senior Gold Card
  • American Express® Senior Green Card
  • American Express® Traditional Gold Card
  • American Express® Traditional Green Card
  • Ameriprise Gold Card
  • Business Centurion® Card from American Express OPEN®
  • Business Gold Card
  • Business Gold Rewards Card
  • Business Green Card
  • Business Green Rewards Card
  • Business Membership Rewards Card®
  • Business Platinum Card® from American Express OPEN®
  • Business Purchase Account
  • Centurion® Card
  • Some Costco Business Cards*
  • Executive Business Card
  • Fidelity Gold Card
  • Fidelity Green Card
  • Mercedes-Benz Credit Card from American Express
  • Morgan Stanley Credit Card from American Express
  • Platinum Card®
  • Premier Rewards Gold Card from American Express
  • Small Business Card
500,000 
* Because some Cards vary in their benefits, you may need to contact us to find out how many points you can buy.

FORFEITING AND GETTING POINTS BACK

1. FOR RETURNING ITEMS PURCHASED WITH YOUR CARD

If you return something that you purchased with your Linked Card Account, the statement credit you receive in your Linked Card Account will cause a corresponding deduction of points from your program account.

2. FOR RETURNING REWARDS THAT YOU GOT WITH POINTS

If you return any reward for which returns are permitted (other than items purchased at Amazon.com), you'll either receive the points back in your Membership Rewards account or a credit on your Card account in dollars, depending on the reward. If you receive a credit, you may be able to convert it back into points by contacting Membership Rewards at 1-800-AXP-EARN (297-3276). Points that you have transferred to a frequent customer program cannot be reverted back to Membership Rewards points.

3. FOR MAKING LATE PAYMENTS

You must pay the amount due on your Linked Account statement by the closing date of the next billing period. If you don't, you'll forfeit all the points that you earned during the period covered by the statement.

If you forfeit points due to a late payment, they can be reinstated. To do this, you must return your Card account to good standing by making all required payments, then visit your Points Summary page on membershiprewards.com to reinstate the points. There is a $35 fee for each billing period and for each Card account for which you reinstate points. You must reinstate points within 12 months of forfeiting them in order to get them back.

4. FOR CANCELING YOUR ACCOUNT

If we cancel your Linked Card Account for any reason (including your death, bankruptcy or insolvency), you'll forfeit all points in your program account. If we reinstate the Linked Card Account within one year, these points will be returned to your account.

If you voluntarily cancel your enrollment in the program but keep at least one American Express® Card open and in good standing, you'll have up to 30 days from the date of cancellation to use any points in your program account. If you cancel your enrollment in the program and don't keep open any American Express Cards, all points in your program account will be immediately forfeited.

Go to - Using Points

USING POINTS

1. TRANSFERRING POINTS TO FREQUENT CUSTOMER PROGRAMS

Who can transfer points

Some Card Members have the option to transfer points into a participating frequent customer program account. The Cards listed below are not eligible to transfer points. All other American Express Cards are eligible.

Please note that this information only applies to Cards that aren't linked with others on the same program accounts. If you have a Card enrolled in Membership Rewards when you enroll another Card, the Cards will be linked to the same program account. If this happens, both Cards will be eligible for the benefits available to the Card with the greater benefits. For example, if you link a Blue Card to a program account with your Platinum Card, you will be eligible to transfer points that you've earned by spending with your Blue Card.

The following Cards are not eligible to transfer points:

  • Blue for Business® Credit Card
  • Blue for Students®
  • Blue from American Express
  • Business Management Account
  • Gold Optima® Card
  • Optima® Credit Card
  • Optima® Platinum Card®
  • Platinum Business Credit Card
  • The Platinum Credit Card
  • ZYNC® Card

If you are eligible to transfer points, you'll see this option listed in the Travel category on membershiprewards.com. The frequent customer program account that you transfer points into must be held by you or an Additional Card Member linked to your program account.

Conversion rates and increments

For most frequent customer programs, 1,000 Membership Rewards points will equal 1,000 miles, points or credits and must be transferred in 1,000-point increments unless otherwise noted. The only exceptions are:

  • JetBlue Airways: 250 points = 200 JetBlue TrueBlue® points; must be transferred in 250-point increments
  • El AL Israel Airlines: 1,000 points = 20 Matmid points
  • Starwood Preferred Guest®: 1,000 points = 333 Starpoints®
  • Hilton®: 1,000 points = 1,500 HHonors™ points
  • Virgin America: 200 points = 100 Elevate points; must be transferred in 200-point increments
Excise tax offset fee

Every time you transfer points into a U.S. airline frequent flyer program, your Linked Card account will be charged an excise tax offset fee of $0.0006 per point (with a maximum fee of $99). We charge this fee to offset the federal excise tax that we must pay when you transfer points. This fee may be more or less than the actual amount of excise tax we pay on any individual conversion. We may offer you the option to use points to pay this fee.

Insurance program coverage

If you book a flight using frequent flyer miles, no charge for that flight will appear on your Card account. This means that insurance programs and other benefits that may apply for purchases charged on your Card account will not apply for flights you book using frequent flyer miles, unless you are enrolled in a product which extends coverage to non-fare tickets.

Frequent customer programs terms and conditions

All terms and conditions set by the frequent customer program apply when you transfer points. Some restrictions apply to participating frequent customer programs, including blackout dates and capacity controls. For exact blackout dates and restrictions, please contact the frequent customer program directly. Any airline or hotel may change their participation in the program without notice. They also may make award-level changes, blackout-date changes or capacity-control changes. American Express is not responsible for telling you about any changes made by participating frequent customer programs. We are not responsible for any points that you convert into a frequent customer program, or for the actions of any participating frequent customer program. If an airline ends their participation in the program, we may limit the number of points you can transfer to that program before their participation ends. This limit won't be less than 100,000 points.

2. TRANSFERRING POINTS TO PLENTI

All Card Members may transfer points to the PlentiSM rewards program. You must finish signing up for the Plenti rewards program before you can transfer points to Plenti. 500 Membership Rewards points will equal 400 Plenti points. Membership Rewards points must be transferred in 500 point increments. Membership Rewards point transfers to Plenti cannot be reversed. Points transferred are subject to the terms and conditions of the Plenti program, including those terms providing that on December 31, each year, any Plenti points that are at least two years old will expire. You may transfer points only to a Plenti account in your name or in the name of an Additional Card Member on your Linked Account.

3. USING POINTS FOR CERTIFICATES AND GIFT CARDS

Most Certificates and Gift Cards arrive within 7 business days. You can choose expedited delivery for some Certificates and Gift Cards, but this service comes with a fee.

Certificates and Gift Cards that you get with points can be used by anyone or combined unless they say the otherwise, but they can't be combined with other promotional offers. Accepting a Certificate or Gift Card is up to the participating merchant, but photocopies won't be honored.

Certificates and Gift Cards can't be used for purchases you already made or as a payment on any existing account balance. They have no cash value and can't be redeemed for cash or its equivalent, and you can't get a cash return for any unused amount (unless it says otherwise).

Certificates and Gift Cards can't be used anywhere they are not legal. Any other terms, conditions or restrictions included with them also apply.

American Express® Reward Cards can be used at U.S. merchants that accept American Express® Cards except cruise lines, ATMs and recurring billing. Visit americanexpress.com/reward for complete terms. This Card is issued pursuant to a loyalty, reward or other promotional program. Card issued by American Express Prepaid Card Management Corporation.

4. USING POINTS FOR AMERICAN EXPRESS® GIFT CARDS AT AMERICAN EXPRESS.COM/GIFT

You must have at least 1,000 points in your program account to use points for an American Express® Gift Card.

You can only use points for American Express® Gift Cards online. When you use points for an American Express® Gift Card:

  • Your Linked Card Account will be charged for the Gift Card
  • American Express will deduct the points from your program account
  • American Express will apply an accompanying credit to your Linked Card Account

The credit to your Linked Card Account may appear during a different billing cycle than the charge for your purchase. You are responsible for paying the amount due on your Card statement by the due date. Any credit to your Linked Card Account in connection with these purchases can't be converted into points. If the points you use don't cover the entire amount of the charge, the difference will remain charged to your Linked Card Account.

We won't ship Gift Cards ordered online at americanexpress.com/gift to the states of VT and HI.

The funds on an American Express® Gift Card don't automatically expire after the "Valid Thru" date printed on the Gift Card. If you have leftover funds on your American Express® Gift Card after the Valid Thru date, call the Customer Service number on or with your Gift Card to get a replacement Gift Card or information about a refund.

5. USING PAY WITH POINTS TO BOOK TRAVEL ON AMERICAN EXPRESS® TRAVEL, FOR PRODUCTS THROUGH MEMBERSHIPREWARDS.COM, AND ELSEWHERE

When you use Pay with Points anywhere except on Amazon.com (including for products through membershiprewards.com, American Express Travel, Ticketmaster, Telecharge and elsewhere) three things will happen:

  • Your Linked Card Account will be charged for your purchase
  • American Express will deduct points from your program account
  • American Express will apply an accompanying credit to your Linked Card Account

The credit to your Linked Card Account may appear during a different billing cycle than the charge for your purchase. You are still responsible for paying the amount due on your Card statement by the due date.

If the points you use don't fully cover the entire amount of the charge, the difference will remain charged to your Linked Card Account. If your Linked Card Account is a Corporate or Business Card Account, the charge must be used for business purposes only.

If you use a Pay Over Time feature (such as the Extended Payment Option) for a purchase using Pay with Points, the statement credit you get may not be applied to that feature. Instead, it might be applied to your Pay in Full balance. If you think this has happened, please call us using the number on the back of your Card. Corporate Card Members are not eligible to use points for Ticketmaster or Telecharge if the Corporate Card is the only Linked Card Account.

Point minimums
You must use a minimum amount of points for some Pay with Points rewards:
  • American Express Travel: 5,000 points
  • AXS: 2,000 points
  • Ticketmaster: 2,000 points
  • Telecharge: 7,000 points

6. SHOP WITH POINTS AT AMAZON.COM

The terms and conditions for Shop with Points at Amazon.com apply to eligible purchases made with points at Amazon.com. The following American Express Membership Rewards terms also apply to purchases made through the use of Membership Rewards points at Amazon.com.

Linking your accounts

To use points at Amazon.com, you must first link your Membership Rewards program account with your Amazon.com account and agree to the Shop with Points at Amazon.com terms and conditions. Only Card Members enrolled in the Membership Rewards program and in good standing can link their accounts and use points to make eligible purchases at Amazon.com.

Ordering

Card Members may make eligible purchases at Amazon.com using only points, or a combination of points and your American Express Card. When you use points at Amazon.com, American Express will deduct them from your program account. Points will not be deducted from your program account balance until your purchase has shipped.

Returning products purchased at Amazon.com

Returns are subject to Amazon.com's policies and must be authorized by Amazon.com before refunded points will be added back into your program account.

7. USING POINTS FOR TAXI FARES

When you use points for fares (including tips) in certain taxis in New York City, your Linked Card Account will be charged and credited and points deducted from your program account as described in paragraph 5 above, except that the points you use must cover the full amount of the fare, plus tip. The number of points required may vary for future rides and by where you use points. If you do not want to see this Use Points option and your point balance when using your Card in a participating taxi, please call the number on the back of your Card. Corporate Card Members are not eligible to use points for taxi fares if the Corporate Card is the only Linked Card Account.

8. USING POINTS FOR YOUR CHARGES

When you Use Points for your Charges, you are using points towards specific, eligible charges.

Who can use points for eligible charges

To use points for eligible charges, you must:

  • Be a Basic Consumer or OPEN Card Member
  • All linked Card Accounts must be in good standing
  • You must have at least 1,000 available points in your program Account

Additional Card Members, Authorized Additional Card Members, and Corporate Card Members are not eligible. Account managers and Rewards managers may be eligible to use points by calling the number on the back of your Card, but are not eligible to use points online.

Available charges

American Express will present the eligible charges you can use points towards, and we may change which charges are eligible at any time without notice. American Express is under no obligation to make charges available for redemption using Membership Rewards points.

Generally, these charges meet the following criteria:
  • The charge must occur in the U.S. or in a U.S. territory
  • The charge must appear online in Recent Activity or in your Current Statement
  • The charge has never been disputed
  • The charge must be at least $1

How to Use Points for Your Charges

You can use points for eligible charges in recent activity or in your current statement at americanexpress.com by clicking on the “Use Points for Your Charges” link.

When you use points for an eligible charge, the points will be deducted immediately from your program Account, and an accompanying credit will be applied to your Linked Card Account within 48 hours. You may use points only toward the entire amount of an eligible charge.

If a credit is processed after your Card Account's statement closing date, it will appear in your next statement. In any case, you are responsible for paying the full amount due on your Card statement by the due date.

Applicable to Mobile App Only:
How to Use Points for Select Pending Charges

When you use points for select pending eligible charges, the points are not deducted from your points balance until the charge has posted to your Linked Card Account. Then, please allow up to 48 hours for the credit to appear on your Card Account. You may use points only toward the entire amount of an eligible charge.

If a credit is processed after your Linked Card Account's statement closing date, it will appear in your next statement. In any case, you are responsible for paying the full amount due on your Card Account by the due date.

We will notify you if a processing error occurs and we are unable to complete your redemption for a pending eligible charge. If this happens, points will not be deducted from your program account and the associated charge may still appear on your Linked Card Account.

ADDITIONAL TERMS

ADDITIONAL TERMS

If you attempt to use or earn points in a fraudulent way, we may:

  • Take away all points in your program account
  • Cancel your program account
  • Cancel any of your American Express Cards

The program is intended to benefit individuals rather than companies. Business and Corporate Card Members may use points for any personal or business purposes they choose, but they can't be directed or forced to use points for business purposes. It is considered fraudulent and abusive for Corporate Card Members to use a single Corporate Card account or rewards account for the purpose of accumulating points for company use.

If you're a Corporate Card Member with only a Corporate Card enrolled in the program and your ability to make charges on your Corporate Card is suspended for any reason (including bankruptcy or insolvency of your employer), your ability to use the points in your program account will also be suspended. You can use the points once your ability to make charges has been restored, as long you meet all other conditions listed here.

All questions or disputes about program eligibility, earning points or using points will be resolved solely by American Express.

It is your responsibility to find out if you are liable for any federal, state or local taxes as a result of earning or using points.

These Terms and Conditions replace all previous versions and are governed and construed under the laws (excluding conflicts of law provisions) of New York.

The Membership Rewards program is owned and operated by American Express Travel Related Services Company, Inc.

Go to - Arbitration

ARBITRATION

CLAIMS RESOLUTION

Most customer concerns can be resolved by calling our Customer Service Department at the number listed on the back of your Card. In the event Customer Service is unable to resolve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision.

For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your participation in the program, these Terms & Conditions or any prior program agreement, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to: (1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by or against any third party using or providing any product, service or benefit in connection with the program; and (4) claims that arise from or relate to (a) the program account or any point balances on the program account, (b) advertisements, promotions or oral or written statements related to the program or any reward or (c) the redemption for and use of any reward. You may not sell, assign or transfer a claim.

Sending a Claim Notice

Before beginning a lawsuit, mediation or arbitration, you and we agree to send a written notice (a claim notice) to each party against whom a claim is asserted, in order to provide an opportunity to resolve the claim informally or through mediation. Go to americanexpress.com/claim for a sample claim notice. The claim notice must describe the claim and state the specific relief demanded. Notice to you may be provided by your billing statement or sent to your billing address. Notice to us must include your name, address and Account number and be sent to American Express ADR c/o CT Corporation System, 111 8th Ave., NY, NY 10011. If the claim proceeds to arbitration, the amount of any relief demanded in a claim notice will not be disclosed to the arbitrator until after the arbitrator rules.

Mediation

In mediation, a neutral mediator helps parties resolve a claim. The mediator does not decide the claim but helps parties reach agreement.

Before beginning mediation, you or we must first send a claim notice. Within 30 days after sending or receiving a claim notice, you or we may submit the claim to JAMS (1-800-352-5267, jamsadr.com) or the American Arbitration Association ("AAA") (1-800-778-7879, adr.org) for mediation. We will pay the fees of the mediator.

All mediation-related communications are confidential, inadmissible in court and not subject to discovery. All applicable statutes of limitation will be tolled until termination of the mediation. Either you or we may terminate the mediation at any time. The submission or failure to submit a claim to mediation will not affect your or our right to elect arbitration.

Arbitration

You or we may elect to resolve any claim by individual arbitration. Claims are decided by a neutral arbitrator.

If arbitration is chosen by any party, neither you nor we will have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are generally simpler than the rules that apply in court, and discovery is more limited. The arbitrator's decisions are as enforceable as any court order and are subject to very limited review by a court. Except as set forth below, the arbitrator's decision will be final and binding. Other rights you or we would have in court may also not be available in arbitration.

  1. Initiating Arbitration

    Before beginning arbitration, you or we must first send a claim notice. Claims will be referred to either JAMS or AAA, as selected by the party electing arbitration. Claims will be resolved pursuant to this Arbitration provision and the selected organization's rules in effect when the claim is filed, except where those rules conflict with these Terms & Conditions. If we choose the organization, you may select the other within 30 days after receiving notice of our selection. Contact JAMS or AAA to begin an arbitration or for other information. Claims also may be referred to another arbitration organization if you and we agree in writing or to an arbitrator appointed pursuant to section 5 of the Federal Arbitration Act, 9 U.S.C. §§ 1-16 (FAA).

    We will not elect arbitration for any claim you file in small claims court, so long as the claim is individual and pending only in that court. You or we may otherwise elect to arbitrate any claim at any time unless it has been filed in court and trial has begun or final judgment has been entered. Either you or we may delay enforcing or not exercise rights under this Arbitration provision, including the right to arbitrate a claim, without waiving the right to exercise or enforce those rights.

  2. Limitations on Arbitration

    If either party elects to resolve a claim by arbitration, that claim will be arbitrated on an individual basis. There will be no right or authority for any claims to be arbitrated on a class action basis or on bases involving claims brought in a purported representative capacity on behalf of the general public, other Card Members or other persons similarly situated.

    The arbitrator's authority is limited to claims between you and us alone. Claims may not be joined or consolidated unless you and we agree in writing. An arbitration award and any judgment confirming it will apply only to the specific case and cannot be used in any other case except to enforce the award. Notwithstanding any other provision and without waiving the right to appeal such decision, if any portion of these Limitations on Arbitration is deemed invalid or unenforceable, then the entire Arbitration provision (other than this sentence) will not apply.

  3. Arbitration Procedures

    This Arbitration provision is governed by the FAA. The arbitrator will apply applicable substantive law, statutes of limitations and privileges. The arbitrator will not apply any federal or state rules of civil procedure or evidence in matters relating to evidence or discovery. Subject to the Limitations on Arbitration, the arbitrator may otherwise award any relief available in court. The arbitration will be confidential, but you may notify any government authority of your claim.

    If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic hearing, or by an in-person hearing. At any party's request, the arbitrator will provide a brief written explanation of the award. The arbitrator's award will be final and binding, except for any right of appeal provided by the FAA; however, any party will have 30 days to appeal the award by notifying the arbitration organization and all parties in writing. The organization will appoint a three-arbitrator panel to decide anew, by majority vote based on written submissions, any aspect of the decision objected to. Judgment upon any award may be entered in any court having jurisdiction. At your election, arbitration hearings will take place in the federal judicial district of your residence.

  4. Arbitration Fees and Costs

    You will be responsible for paying your share of any arbitration fees (including filing, administrative, hearing or other fees), but only up to the amount of the filing fees you would have incurred if you had brought a claim in court. We will be responsible for any additional arbitration fees. At your written request, we will consider in good faith making a temporary advance of your share of any arbitration fees, or paying for the reasonable fees of an expert appointed by the arbitrator for good cause.

  5. Additional Arbitration Awards

    If the arbitrator rules in your favor for an amount greater than any final offer we made before arbitration, the arbitrator's award will include: (1) any money to which you are entitled, but in no case less than $5,000; and (2) any reasonable attorneys' fees, costs and expert and other witness fees.

Continuation

This section will survive termination of the program or your participation in it. If any portion of this Claims Resolution section, except as otherwise provided in the Limitations on Arbitration subsection, is deemed invalid or unenforceable, it will not invalidate the remaining portions of this Claims Resolution section.