Which Card suits your business best?

The Business Gold Rewards Card

The Plum Card®

The Business Platinum Card®

EACH CARD COMES WITH ACCESS TO THESE BENEFITS:

24/7 Service & Support

On-Call Support and Dedicated Business Consultants who spend the time to help solve your business needs.

Access to Shopping & Travel Benefits

Get access to benefits like Purchase Protection12, Return Protection13, Extended Warranty14, Travel Accident Insurance15, and Car Rental Loss and Damage Insurance16.

Online Tools & Resources

Articles and tips for small businesses at OPEN Forum® and Online Statements to manage spending.

The Business Gold Rewards Card

MAXIMIZE THE BUSINESS PURCHASES YOU MAKE

Make an annual selection to get 3X points in one of five categories that best fits your business spending.

With the Business Gold Rewards Card, you can redeem points for rewards for your business. Use points for dining and entertaining clients, to reward employees or for business travel.

A SUITE OF TOOLS TO MANAGE EXPENSES

The Business Gold Rewards Card gives you tools to help you manage business expenses.

• Download the ReceiptMatch Mobile App to easily capture, store and organize your Business Card receipts on the go.3

• Enroll in Sync with QuickBooks and then you can tag your transactions with your QuickBooks categories and send them to your QuickBooks account. 4

•  Monitor spend, set limits and receive alerts on Employee Cards5

OTHER CARD FEATURES

No interest charges because you pay your balance in full each month.6

$0 introductory annual fee for your first year, then $175.7

$0 introductory annual fee for Employee Business Gold Rewards Cards in the first year, then, $50 for the first Employee Card and no fee for other Employee Cards

NEW: No foreign transaction fees.8

Rates & Fees

PLUS, ACCESS TO BENEFITS THAT COME WITH OPEN® CARD MEMBERSHIP:

24/7 Service & Support

On-Call Support and Dedicated Business Consultants who spend the time to help support your business needs.

Access to Shopping & Travel Benefits

Access to Purchase Protection9, Return Protection10, Extended Warranty11, Travel Accident Insurance12, Car Rental Loss and Damage Insurance13, and other benefits and services.

Online Tools & Resources

Articles and tips for small businesses at OPEN Forum® and online statements to manage spending.

The Plum Card®
GET UP TO 3.5% BACK ON YOUR FIRST $30,000

in purchases on the Card within the first 3 months of Card Membership.4

Here's how: Pay early and get 1.5% back with no cap. Plus, get an additional $200 statement credit for every $10,000 you spend on the Card, up to $600 back. That can be an extra 2%.
Limited time offer ends 08/24/2015.

DECIDE WHEN TO PAY

This Card is built to give you options: a 1.5% Early Pay Discount with no cap on what you can earn back1, up to 60 days to pay with no interest2, or both. Plus, when you open your Card account you can choose to receive your bill at the beginning, middle, or end of the month.

UNLOCK YOUR PURCHASING POWER

With no pre-set spending limit*, you can have the power to buy the big stuff, with no cap on the 1.5% you can get back when you pay early1. Plus, the more you use your Card to run your business, then more you can get back. *No pre-set spending limit does not mean unlimited spending. Purchasing power can adjust with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

MAKE BUSINESS PURCHASES WORLDWIDE
WITH NO FOREIGN TRANSACTION FEES

No foreign transaction fees, so you can do business on your terms – wherever you buy5. Annual Membership Fee, $0 introductory annual fee your first year, then $2506.

PLUS, BENEFITS THAT COME WITH OPEN® CARDMEMBERSHIP:

24/7 Service & Support

On-Call Support and Dedicated Business Consultants who spend the time to help support your business needs.

Shopping & Travel Benefits

Get access to benefits like Purchase Protection7, Return Protection8, Extended Warranty9, Travel Accident Insurance10, and Car Rental Loss and Damage Insurance11.

Online Tools & Resources

Articles and tips for small businesses at OPEN Forum® and online statements to manage spending.

The Business Platinum Card®

Premium Travel Rewards

Get one Membership Rewards®2 point for each dollar on eligible purchases you make. Plus, see how to earn 2x points when you book online with Amex Travel.3

30% Airline Bonus4: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can [receive/get] 30% of the points back.

$200 Airline Fee Credit† 5: Select a qualifying airline to get started. Then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in - flight refreshments, are charged by the airline to your Business Platinum Card Account.

Receive a statement credit every 5 years after you apply for Global Entry ($100) or TSA Pre✔TM ($85) with an eligible Card. If approved, you can get expedited screening at select airports. If approved for Global Entry, at no additional charge, you will receive access to TSA Pre✔TM. Terms and conditions apply.6

Elevated Experiences

The Business Platinum Card comes with complimentary airport lounge access7 to The CenturionSM Lounges8, Delta Sky Clubs®, and Airspace Lounges9 and you can enroll in Priority PassTM Select10 at no additional cost. These programs provide you access to over 700 domestic and international airport lounges.

Enjoy complimentary internet access. Enroll your Card with Gogo11 and Boingo12 and get 10 Gogo inflight internet passes annually and unlimited Wi-Fi at Boingo hotspots.

Enjoy complimentary benefits and competitive rates with each FINE HOTELS & RESORTS booking at over 815 extraordinary properties worldwide.13

Additional Features and Services

Concierge: Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small.14

No interest charges because you pay your balance in full each month.15

Business-sized spending power, that evolves with your business.

Business Platinum Card Membership comes with an annual fee of $450.

Regardless of where you are or what you pay for with the Business Platinum Card, there are no foreign transaction fees from American Express.16

PLUS, BENEFITS THAT COME WITH OPEN® CARD MEMBERSHIP:

24/7 Service & Support

On-Call Support and Dedicated Business Consultants who spend the time to help solve your business needs.

Shopping & Travel Benefits

Get access to benefits like Purchase Protection17, Return Protection18, Extended Warranty19, Travel Accident Insurance20, and Car Rental Loss and Damage Insurance21.

Online Tools & Resources

Articles and tips for small businesses at OPEN Forum® and online statements to manage spending.

Apply by phone: 1-866-534-OPEN (6736)

American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for more details.

1 With your Business Gold Rewards Card from American Express, you earn at least one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. For the first $100,000 in eligible spending in each calendar year in each of the five categories specified below, you can earn additional points, as follows: you can earn: (1) 2 additional points (for a total of 3 points) in one category of your choice from the five categories specified below; and (2) 1 additional point (for a total of 2 points) in the remaining four categories. The five categories are: (1) airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (4) shipping services purchased in the U.S. for courier, postal, and freight; and (5) 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 on eligible purchases.
You may select the category in which to earn 3X 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 3X 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 their selection will apply to purchases made by all Card Members on the account.
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, or purchases of other cash equivalents. Additional terms and restrictions apply.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not eligible. Purchases made through third-parties (including resellers and online marketplaces) or through a third-party payment account will not earn additional points. 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.

2 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months. To be eligible to earn additional points, you must charge $5,000 of eligible purchases* during the first 3 months of membership on an eligible Business Gold Rewards Card from American Express OPEN. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Limit one offer per Card Account. Offer may not be combined with any other special offer. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more about point value, go to www.membershiprewards.com/pointsinfo. American Express reserves the right to modify or revoke offer at any time. You can earn 25,000 Membership Rewards points after you spend $5,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The 25,000 additional points will be credited to your Membership Rewards account 6-8 weeks after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card.

*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

3 Early Pay Discount: Get a 1.5% discount on the portion of your eligible purchase balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due. The discount will appear as a credit on the following billing statement. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include previously deferred amounts, fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

4 Extra Days to Pay: If you pay at least the Minimum Payment Due (which is 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred balance) by the Payment Due Date on your statement, you can defer payment of the remainder of your balance until the Payment Due Date on your next billing statement with no interest.

5 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months.

Get up to 2% back ($600) in additional statement credits. The 2% back will appear as three $200 credits. To be eligible to earn each statement credit, you must charge $10,000 in eligible purchases* during the first 3 months of membership on an eligible Plum Card from American Express OPEN, beginning on the date your account is approved. If your application is not received by 08/24/2015, you will not be eligible for the 2% back ($600) in additional statement credits if your application is approved. American Express reserves the right to modify or revoke the offer at any time. In rare instances, your period to spend may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Each $200 statement credit you are eligible for will be credited to your account within that statement cycle period in which you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card. Limit one offer per Card Account. Offer may not be combined with any other special offer.
*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include previously deferred amounts, fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

6 30% Airline Bonus: To use Pay with Points, you must charge your eligible airfare purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Points must be used at the time of booking. Pay with Points requires a minimum redemption of 5,000 points.

Business Platinum Card Members will receive 3 bonus points for every 10 points they redeem for flights with their selected qualifying airline using Membership Rewards Pay with Points with American Express Travel (30% Airline Bonus). Card Member must select a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. The airline you select for the 30% Airline Bonus and the $200 Airline Fee Credit must be the same. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of your Card. Card Members who do not change their airline selection will remain with their current airline.

If you select Frontier Airlines, Spirit Airlines, Southwest Airlines, or AirTran Airways, to receive your 30% Airline Bonus you must call Business Platinum Travel Service at 1-800-553-9497. A flight booked as part of a travel package or booked with the American Express U.S. Representative Travel Network is not eligible for the 30% Airline Bonus. In addition, to be eligible to earn extra points, Card account(s) must be active and not in default at the time of extra points fulfillment. If booking is canceled, the extra points will be deducted from your Membership Rewards account. Extra points will be credited to your Membership Rewards account approximately 6-10 weeks after charges appear on your billing statement. See membershiprewards.com/terms for Membership Rewards program terms and conditions. This 30% Airline Bonus is the maximum Membership Rewards points you can get back for Pay with Points on flights booked with American Express Travel. Bonus ID: A6ZB.

Seller of Travel: American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/travelterms
California CST#1022318, Washington UBI#600-469-694, Iowa TA#002, Nevada NV#2001-0126.

7 $200 Airline Fee Credit: Benefit is available to Consumer and Business Platinum Card® and Centurion® Members only. To receive statement credits of up to $200 per calendar year toward incidental air travel fees, Card Member must select a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. The qualifying airline Business Platinum Card Members select for this $200 benefit and the 30% Airline Bonus must be the same. Statement Credits: Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card Member's airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental air travel fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 2-4 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be active and not in default at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card Account (for example, Sign & Travel), the statement credit associated with that charge will not be applied to that Pay Over Time feature balance. Instead, the statement credit will be applied to your Pay In Full balance. For additional information about this benefit, call the number on the back of your Card.

8 Airport Lounge Access Program: The Business Platinum Member must present his or her valid Card, government-issued I.D., and same-day corresponding airline ticket to club agents. Code-share and affiliated lounge agreements may not apply to provide complimentary club access in all cases. Age requirements and policies for admittance to airport club lounges vary by airline and location. Card Members must adhere to all house rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs. For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclub.

9 Gogo Preferred Program: Each Basic and Additional Business Platinum Card® Member is eligible for 10 complimentary single flight segment passes for Gogo inflight internet each calendar year. A "flight segment" is defined as one takeoff and landing on the same aircraft, with the same flight number, between two cities. To activate the passes, go to gogoair.com/amex to validate eligibility and then create or log into your Gogo account. To use a pass while in flight, log into your Gogo account and select to use the American Express Internet Pass. If you are on a Gogo equipped flight segment that is eligible for a subscription plan (including a Gogo Unlimited Plan or an Airline Unlimited Plan) or an All-Day Pass you have redeemed that is still in effect, your Gogo subscription plan or All-Day Pass will be automatically used and you will not have an opportunity to use an American Express Internet Pass. Any American Express Internet Passes remaining in your Gogo account at the end of each calendar year will be removed. To be eligible for this benefit, your Card Account must be active. Amex may revoke unused passes if your Card is canceled or if you transfer your Card Account to a new Card product. Amex will periodically provide Gogo with updated information regarding your eligibility for this benefit. Use of Gogo services is subject to Gogo's terms of use, privacy policy and other policies, available at gogoair.com. Gogo services are subject to change without notice. The Gogo Preferred Program is the only business and corporate card program that offers free inflight internet access on any Gogo equipped flight. Gogo and the Gogo logo are trademarks of Gogo LLC, registered in the U.S. and other countries.
Gogo Terms of Use: http://www.gogoair.com/gogo/cms/term.do
Gogo Privacy Policy: http://www.gogoair.com/gogo/cms/privacy.do

10 The Boingo American Express Preferred Plan: Complimentary access to Boingo Wi-Fi is being provided as a benefit to Card Members with eligible Cards. In order to access the benefit, Card Members with eligible Cards must first be authenticated and create a Boingo American Express Preferred Plan (or, the "AXP Plan") account. Internet access may be required in order to be authenticated and create an account. For questions on eligibility, call the number on the back of your Card. If you submit your American Express Card number to Boingo to verify that your Card is eligible for this benefit, Boingo will send your Card number to American Express. Upon receipt of your Card number from Boingo, American Express will provide confirmation of your Card's eligibility for the American Express Preferred Plan to Boingo. Boingo will not store or use your Card number for any other purpose. Boingo's use of this information is subject to its privacy policy. If you have an existing paid Boingo subscription plan, your existing plan will not be automatically cancelled when you enroll in the AXP Plan. If you would like to cancel any existing paid subscription plan, call Boingo's dedicated AXP Plan line. The AXP Plan only provides access to land-based Wi-Fi services and does not include in-flight Wi-Fi. Available hotspots in Boingo's network, including those managed and operated by Boingo and its partners ("Boingo's Network") are subject to change at any time. Visit http://wifi.boingo.com to locate hotspots. Your use of Boingo's Wi-Fi services is subject to Boingo's End User License Agreement and Customer Agreement and other applicable terms and conditions, including Boingo's privacy and security policies, available at www.boingo.com. Notwithstanding anything to the contrary set forth in Boingo's terms and conditions, American Express Card Members with eligible Cards (i) will not be charged for enrollment in the AXP Plan, and (ii) will be permitted to connect no more than four devices to Boingo's Network per month. Simultaneous use of devices with a single account is limited to a hotspot. By subscribing for this benefit, you acknowledge that American Express is not responsible for and does not guarantee the quality, security, coverage or availability of Boingo's Network or the free Wi-Fi hotspots accessed through the Wi-Finder App. You agree that use of Wi-Fi accessed through Boingo is at your own risk. Use of the AXP Plan is limited to authorized Card Members only. This benefit is non-transferable, it is your responsibility to ensure that no one else has access to your account details. Your account may be terminated for breach of any terms or conditions or for abuse of your AXP Plan account. From time to time, Boingo may request that you re-authenticate your Boingo American Express Preferred Plan account in order to confirm that you are still a Card Member with an eligible Card. You can receive alerts and connect seamlessly to Boingo by downloading the Wi-Finder App to your laptop, tablet and mobile devices. This benefit is subject to change or cancellation without notice.

11 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months.
To be eligible to earn additional points, you must charge $5,000 of eligible purchases* during the first 3 months of membership on an eligible Business Platinum Card from American Express OPEN. American Express reserves the right to modify or revoke the offer at any time. You can earn the 40,000 additional points after you spend $5,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The 40,000 additional points will be credited to your Membership Rewards account 6-8 weeks after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card. Limit one offer per Card Account. Offer may not be combined with any other special offer. Bonus ID BSYM. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more about point value, go to www.membershiprewards.com/pointsinfo.
*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

12 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited per occurrence and per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

13 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in “like new” condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

14 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

15 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member’s American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

16 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire vehicle rental. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This product provides collision damage to the rented vehicle but does not cover such things as damages to other vehicles or property, or injury to other persons. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles and expensive and/or exotic cars as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Geographic restrictions apply. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

Apply by phone: 1-866-534-OPEN (6736)

Learn more | Card Benefits & Terms

1 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months. To be eligible to earn additional points, you must charge $5,000 of eligible purchases* during the first 3 months of membership on an eligible Business Gold Rewards Card from American Express OPEN. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Limit one offer per Card Account. Offer may not be combined with any other special offer. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more about point value, go to www.membershiprewards.com/pointsinfo. American Express reserves the right to modify or revoke offer at any time. You can earn 25,000 Membership Rewards points after you spend $5,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The 25,000 additional points will be credited to your Membership Rewards account 6-8 weeks after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card.

*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

2 With your Business Gold Rewards Card from American Express, you earn at least one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. For the first $100,000 in eligible spending in each calendar year in each of the five categories specified below, you can earn additional points, as follows: you can earn: (1) 2 additional points (for a total of 3 points) in one category of your choice from the five categories specified below; and (2) 1 additional point (for a total of 2 points) in the remaining four categories. The five categories are: (1) airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (4) shipping services purchased in the U.S. for courier, postal, and freight; and (5) 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 on eligible purchases.
You may select the category in which to earn 3X 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 3X 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 their selection will apply to purchases made by all Card Members on the account.
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, or purchases of other cash equivalents. Additional terms and restrictions apply.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not eligible. Purchases made through third-parties (including resellers and online marketplaces) or through a third-party payment account will not earn additional points. 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.

3 ReceiptMatchSM is only available with Business Cards from American Express OPEN. For details and enrollment, go to www.open.com/receiptmatch

The ReceiptMatch Mobile AppSM is only available with Business Cards from American Express OPEN. The ReceiptMatch Mobile App is only available on iTunes and Google Play. Apple, the Apple logo, iPhone and Mac are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc. Intuit, the Intuit logo, QB, and QuickBooks are registered trademarks of Intuit Inc. QuickBooks screen shots (c) Intuit Inc.

4 ReceiptMatch and Sync with QuickBooks are two separate business tools available with Business Cards from American Express OPEN. ReceiptMatch and Sync with QuickBooks were created to work together. You must enroll in ReceiptMatchSM and in Sync with QuickBooks separately from your American Express online account to use ReceiptMatch with QuickBooks. Sync with QuickBooks works with QuickBooks Online.

5 Additional Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Additional Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Additional Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Additional Card(s) in this feature.

6 No interest charges: If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time.

7 The introductory annual fee for the Business Gold Rewards Card will be $0 for the first year of Card Membership. After that,the annual fee will be $175.

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

9 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, items stolen from a motor vehicle, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

10 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in “like new” condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

11 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

12 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member’s American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

13 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire vehicle rental. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This product provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles or property. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

Apply by phone: 1-866-534-OPEN (6736)

Learn more | Card Benefits & Terms | Rates & Fees



1 Early Pay Discount: Get a 1.5% discount on the portion of your eligible purchase balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due. The discount will appear as a credit on the following billing statement. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include previously deferred amounts, fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

2 Extra Days to Pay: If you pay at least the Minimum Payment Due (which is 10% of the balance from new activity on your billing statement plus the entire amount of any previously deferred balance) by the Payment Due Date on your statement, you can defer payment of the remainder of your balance until the Payment Due Date on your next billing statement with no interest.

3 Buy Big: "Buy Big" does not mean that all charges will be approved. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

4 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months. Get up to 2% back ($600) in additional statement credits. The 2% back will appear as three $200 credits. To be eligible to earn each statement credit, you must charge $10,000 in eligible purchases* during the first 3 months of membership on an eligible Plum Card from American Express OPEN, beginning on the date your account is approved. If your application is not received by 08/24/2015, you will not be eligible for the 2% back ($600) in additional statement credits if your application is approved. American Express reserves the right to modify or revoke the offer at any time. In rare instances, your period to spend may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Each $200 statement credit you are eligible for will be credited to your account within that statement cycle period in which you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card. Limit one offer per Card Account. Offer may not be combined with any other special offer.
*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include previously deferred amounts, fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

5 No Foreign Transaction Fee: American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on these transactions.

6 Annual Membership Fee:The annual fee of $250 for your Basic Card is waived for the first year of your Membership. The annual fee for Additional Plum Cards is $0.

7 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items lost by Card Member, consumable and perishable items, motorized vehicles and their parts or accessories, items stolen from a motor vehicle, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $1,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

8 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in “like new” condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

9 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

10 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member’s American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

11 Car Rental Loss and Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire vehicle rental. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This product provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles or property. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Coverage is available only within the United States, its territories, and possessions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

Apply by phone: 1-866-534-OPEN (6736)

Learn more | Card Benefits & Terms | Rates & Fees

American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for more details.

Get 10 complimentary Gogo inflight internet passes each calendar year. To activate the passes, enter your Business Platinum Card number at gogoair.com/amex and follow prompts to create or sign into your Gogo account. When you fly on a Gogo equipped flight, simply log into Gogo and choose to use an American Express Internet Pass. Each pass covers Wi-Fi internet access for one Gogo equipped flight segment.
Gogo is currently available on over 2,000 aircraft flown by 8 airlines to help you remain productive during your business trip. To learn more, visit gogoair.com.

Business Platinum Card® Members can enjoy complimentary, unlimited Wi-Fi access with the Boingo American Express Preferred Plan. Receive Wi-Fi access on up to four devices to more than 1,000,000 hotspots worldwide and pay no Wi-Fi roaming fees. Confirm eligibility, and then access Boingo's Wi-Fi services by creating a Boingo American Express Preferred Plan account. Boingo's network offers hotspots in hundreds of airports, thousands of hotels and other popular locations around town.

1 Welcome bonus offer not available to applicants who have or have had this product within the last 12 months.
To be eligible to earn additional points, you must charge $5,000 of eligible purchases* during the first 3 months of membership on an eligible Business Platinum Card from American Express OPEN. American Express reserves the right to modify or revoke the offer at any time. You can earn the 40,000 additional points after you spend $5,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The 40,000 additional points will be credited to your Membership Rewards account 6-8 weeks after you have met the purchase requirement. For questions regarding your Card account, please call the number on the back of your Card. Limit one offer per Card Account. Offer may not be combined with any other special offer. Bonus ID BSYM. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more about point value, go to www.membershiprewards.com/pointsinfo.
*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

2 Membership Rewards® Program: Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more about point value, go to www.membershiprewards.com/pointsinfo.

3 Eligible purchases are travel purchases, excluding car reservations, non-prepaid hotels, and Fine Hotels & Resorts and The Hotel Collection bookings, booked through amextravel.com on your Membership Rewards program-enrolled American Express® Card. To earn 2X points on each dollar of eligible purchases, you must charge air, prepaid hotel, vacation packages (flight + hotel packages), American Express Vacations packages or cruise reservations through amextravel.com to your eligible, Membership Rewards program-enrolled American Express Card. Any portion of a charge that you elect to pay through redemption of Membership Rewards points is not eligible to earn points. Bonus ID A2EM (Air, Hotel, and vacation packages); Bonus ID 5432 (Cruise); Bonus ID 6955 (American Express Vacations Packages). Extra points will be credited to the Membership Rewards account 10-12 weeks after final payment is made. See membershiprewards.com/terms for the Membership Rewards program terms and conditions

4 30% Airline Bonus: To use Pay with Points, you must charge your eligible airfare purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Points must be used at the time of booking. Pay with Points requires a minimum redemption of 5,000 points.

Business Platinum Card Members will receive 3 bonus points for every 10 points they redeem for flights with their selected qualifying airline using Membership Rewards Pay with Points with American Express Travel (30% Airline Bonus). Card Member must select a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. The airline you select for the 30% Airline Bonus and the $200 Airline Fee Credit must be the same. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of your Card. Card Members who do not change their airline selection will remain with their current airline.

If you select Frontier Airlines, Spirit Airlines, Southwest Airlines, or AirTran Airways, to receive your 30% Airline Bonus you must call Business Platinum Travel Service at 1-800-553-9497. A flight booked as part of a travel package or booked with the American Express U.S. Representative Travel Network is not eligible for the 30% Airline Bonus. In addition, to be eligible to earn extra points, Card account(s) must be active and not in default at the time of extra points fulfillment. If booking is canceled, the extra points will be deducted from your Membership Rewards account. Extra points will be credited to your Membership Rewards account approximately 6-10 weeks after charges appear on your billing statement. See membershiprewards.com/terms for Membership Rewards program terms and conditions. This 30% Airline Bonus is the maximum Membership Rewards points you can get back for Pay with Points on flights booked with American Express Travel. Bonus ID: A6ZB.

Seller of Travel: American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/travelterms
California CST#1022318, Washington UBI#600-469-694, Iowa TA#706.

5 $200 Airline Fee Credit: Benefit is available to Consumer and Business Platinum Card® and Centurion® Members only. To receive statement credits of up to $200 per calendar year toward incidental air travel fees, Card Member must select a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. The qualifying airline Business Platinum Card Members select for this $200 benefit and the 30% Airline Bonus must be the same. Statement Credits: Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card Member's airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental air travel fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 2-4 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be active and not in default at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card Account (for example, Sign & Travel), the statement credit associated with that charge will not be applied to that Pay Over Time feature balance. Instead, the statement credit will be applied to your Pay In Full balance. For additional information about this benefit, call the number on the back of your Card.

6 Fee Credit for Global Entry or TSA Pre✔TM :The benefit is available to (i) Corporate Gold Card Members, (ii) Consumer Platinum Card® Members, Corporate Platinum Card® Members and Business Platinum Card® Members, and (iii) Centurion® Card Members. The benefit is also available to Additional Card Members on eligible Consumer and Business Card accounts. To receive the statement credit, Additional Card Members must charge the application fee to the eligible Additional Card account. Card Members are eligible to receive one (1) statement credit every five (5) years for the application fee for either Global Entry or TSA Pre✔TM when charged to an eligible Card. Card Members will receive a statement credit for the first program (either Global Entry or TSA Pre✔TM ) to which they apply and pay for with their eligible Card regardless of whether they are approved for Global Entry or TSA Pre✔TM. However, Card Members can receive no more than one $85 credit or $100 credit, depending on which program the Card Member first applies for, every 5 years for an application fee charged to an eligible Card. American Express has no control over the application and/or approval process for Global Entry or TSA Pre✔TM, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA Pre✔TM Programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA Pre✔TM) charge an application fee to process each respective application regardless of whether the Card Member's application is approved. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA Pre✔TM) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within five (5) years, even if the original application is rejected. Membership for Global Entry or TSA Pre✔TM is per person, and a separate application must be completed for each individual.
For additional information on the Global Entry or TSA Pre✔TM programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.globalentry.gov for Global Entry and www.tsa.gov for TSA Pre✔TM. The Global Entry or TSA Pre✔TM programs are subject to change, and American Express has no control over those changes.
The statement credit benefit applies to the Global Entry or TSA Pre✔TM programs only. Other program applications including, but not limited to, NEXUS, SENTRI, and Privium are not eligible for the statement credit benefit.
Please allow 6-8 weeks after the qualifying Global Entry or TSA Pre✔TM transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. Card Members are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.
Global Entry Fee Credit Option:
Global Entry is a CBP program that allows expedited clearance for pre-approved, low-risk international travelers upon arrival in the United States. Global Entry membership also includes access to the TSA Pre✔TM program with no additional application or fee required. If a Card Member applies separately for TSA Pre✔TM with the same eligible Card, the TSA Pre✔TM application fee is not eligible for a statement credit.
To receive the $100 Global Entry statement credit, Card Members must pay for the $100 Global Entry application fee with an eligible Card. Additional Cards on eligible Consumer and Business accounts are also eligible for the $100 statement credit. To receive the statement credit, the Global Entry application fee must be charged on the eligible Additional Card. Global Entry members can opt-in to TSA Pre✔TM by entering their Global Entry membership number (PASS ID) in the "Known Traveler Number" field each time a flight reservation is made on a participating airline. Alternatively, Card Members can add their Global Entry PASS ID to their frequent flyer profile(s) with the participating airline(s) and then ensure that their frequent flyer number is entered for each flight booking. If approved, membership into the Global Entry program is valid for 5 years and subject to the program's terms and conditions.
TSA Pre✔TM Fee Credit Option:
TSA Pre✔TM is an intelligence-driven risk based program managed by TSA that allows low-risk travelers to experience faster, more efficient screening at participating U.S. airport checkpoints for domestic and international travel. The TSA Pre✔TM application program is a DHS Trusted Traveler program. TSA began accepting TSA Pre✔TM applications on Wednesday, Dec. 4, 2013. Enrolling in TSA Pre✔TM does not guarantee selection for expedited screening each time a passenger travels.
To receive the $85 TSA Pre✔TM statement credit, Card Members must pay for the $85 TSA Pre✔TM application fee with an eligible Card. Additional Cards on eligible Consumer and Business Card accounts are also eligible for the $85 statement credit. To receive the statement credit, the TSA Pre✔TM application fee must be charged on the eligible Additional Card. If approved, Membership into the TSA Pre✔TM program is valid for 5 years and subject to the program's terms and conditions.

7 Airport Lounge Access Program: The Business Platinum Member must present his or her valid Card, government-issued I.D., and same-day corresponding airline ticket to club agents. Code-share and affiliated lounge agreements may not apply to provide complimentary club access in all cases. Age requirements and policies for admittance to airport club lounges vary by airline and location. Card Members must adhere to all house rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs.

8 The CenturionSM Lounge: The Business Platinum Card® Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. A Card Member must be at least 18 years of age to enter without a parent or guardian. For lounges with a self-service bar, the Card Member must be 21 years of age to enter a lounge without a parent or legal guardian. Must be at least 21 years of age to consume alcoholic beverages. Please drink responsibly. Access is subject to space availability. Locations and hours are subject to change. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.
© 2015 American Express Travel Related Services Company, Inc. All rights reserved.

9 Airspace Lounge: This benefit is available to Consumer and Business Platinum Card® and Centurion® Card Members ("Card Member"). Card Member must present his or her valid Card and government-issued I.D. Ticket not required for Airspace Lounges. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. The Card Member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change.

10 Priority PassTM Select: These Terms and Conditions govern Business Platinum Card Members' participation in and use of the Priority PassTM Select program. Priority Pass is an independent airport lounge access program. By enrolling in Priority Pass Select, you agree that you will be responsible for all accompanying guest visits and will be automatically charged $27 per guest to your Business Platinum Card® from American Express after you have signed for the visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass from time to time. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Business Platinum Card Members in good standing may access participating Priority Pass Select lounges by presenting your Priority Pass Select card and airline boarding pass. In some lounges, Priority Pass Select member must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass Select card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. Please note, additional Business Gold Card Members are not eligible for membership.

11 Gogo Preferred Program: Each Basic and Additional Business Platinum Card® Member is eligible for 10 complimentary single flight segment passes for Gogo inflight internet each calendar year. A "flight segment" is defined as one takeoff and landing on the same aircraft, with the same flight number, between two cities. To activate the passes, go to gogoair.com/amex to validate eligibility and then create or log into your Gogo account. To use a pass while in flight, log into your Gogo account and select to use the American Express Internet Pass. If you are on a Gogo equipped flight segment that is eligible for a subscription plan (including a Gogo Unlimited Plan or an Airline Unlimited Plan) or an All-Day Pass you have redeemed that is still in effect, your Gogo subscription plan or All-Day Pass will be automatically used and you will not have an opportunity to use an American Express Internet Pass. Any American Express Internet Passes remaining in your Gogo account at the end of each calendar year will be removed. To be eligible for this benefit, your Card Account must be active. Amex may revoke unused passes if your Card is canceled or if you transfer your Card Account to a new Card product. Amex will periodically provide Gogo with updated information regarding your eligibility for this benefit. Use of Gogo services is subject to Gogo's terms of use, privacy policy and other policies, available at gogoair.com. Gogo services are subject to change without notice. The Gogo Preferred Program is the only business and corporate card program that offers free inflight internet access on any Gogo equipped flight. Gogo and the Gogo logo are trademarks of Gogo LLC, registered in the U.S. and other countries.
Gogo Terms of Use: http://www.gogoair.com/gogo/cms/term.do
Gogo Privacy Policy: http://www.gogoair.com/gogo/cms/privacy.do

12 The Boingo American Express Preferred Plan: Complimentary access to Boingo Wi-Fi is being provided as a benefit to Card Members with eligible Cards. In order to access the benefit, Card Members with eligible Cards must first be authenticated and create a Boingo American Express Preferred Plan (or, the "AXP Plan") account. Internet access may be required in order to be authenticated and create an account. For questions on eligibility, call the number on the back of your Card. If you submit your American Express Card number to Boingo to verify that your Card is eligible for this benefit, Boingo will send your Card number to American Express. Upon receipt of your Card number from Boingo, American Express will provide confirmation of your Card's eligibility for the American Express Preferred Plan to Boingo. Boingo will not store or use your Card number for any other purpose. Boingo's use of this information is subject to its privacy policy. If you have an existing paid Boingo subscription plan, your existing plan will not be automatically cancelled when you enroll in the AXP Plan. If you would like to cancel any existing paid subscription plan, call Boingo's dedicated AXP Plan line. The AXP Plan only provides access to land-based Wi-Fi services and does not include in-flight Wi-Fi. Available hotspots in Boingo's network, including those managed and operated by Boingo and its partners ("Boingo's Network") are subject to change at any time. Visit http://wifi.boingo.com to locate hotspots. Your use of Boingo's Wi-Fi services is subject to Boingo's End User License Agreement and Customer Agreement and other applicable terms and conditions, including Boingo's privacy and security policies, available at www.boingo.com. Notwithstanding anything to the contrary set forth in Boingo's terms and conditions, American Express Card Members with eligible Cards (i) will not be charged for enrollment in the AXP Plan, and (ii) will be permitted to connect no more than four devices to Boingo's Network per month. Simultaneous use of devices with a single account is limited to a hotspot. By subscribing for this benefit, you acknowledge that American Express is not responsible for and does not guarantee the quality, security, coverage or availability of Boingo's Network or the free Wi-Fi hotspots accessed through the Wi-Finder App. You agree that use of Wi-Fi accessed through Boingo is at your own risk. Use of the AXP Plan is limited to authorized Card Members only. This benefit is non-transferable, it is your responsibility to ensure that no one else has access to your account details. Your account may be terminated for breach of any terms or conditions or for abuse of your AXP Plan account. From time to time, Boingo may request that you re-authenticate your Boingo American Express Preferred Plan account in order to confirm that you are still a Card Member with an eligible Card. You can receive alerts and connect seamlessly to Boingo by downloading the Wi-Finder App to your laptop, tablet and mobile devices. This benefit is subject to change or cancellation without notice.

13 Fine Hotels & Resorts: Valid only for new FINE HOTELS & RESORTS bookings made through Platinum Travel Service, Business Platinum Travel Service, Centurion Travel Service, americanexpress.com/fhr, any American Express Travel offices or the Agency Services Desk. Payment must be made in full with an American Express Card in the U.S. Platinum Card Member's or U.S. Centurion® Member's name. Available for U.S. Platinum Charge Card Members and U.S. Centurion® Members only, and excludes Platinum Credit Card Members such as Platinum Delta SkyMiles® Card Members who are not also U.S Platinum Charge Card Members. Card Member must travel on itinerary booked to be eligible for benefits described. Noon check-in and room upgrade are based on availability and are provided at check-in. Certain room categories are not eligible for room upgrade; call Platinum Travel Service or Centurion Travel Service for details. Breakfast amenity varies by property, but will be, at a minimum, a continental breakfast. Complimentary Wi-Fi is provided in room, with the exception of select properties where In-Room Wi-Fi is included as part of a mandatory daily resort fee or is not available. In these instances complimentary Wi-Fi will be provided in a common space on property. Call Platinum Travel Service for property specific details regarding Wi-Fi or view it within the individual property details on www.americanexpress.com/fhr. Benefit restrictions vary by FINE HOTELS & RESORTS property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Benefits and additional FINE HOTELS & RESORTS promotions are only applied at checkout and expire at checkout. Limit one benefit package per room, per stay. Three room limit per Card Member, per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating FINE HOTELS & RESORTS properties and benefits are subject to change.

14 Concierge: There is typically no cost to you for most efforts Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning. We reserve the right to note profile and preference data for servicing purposes.

15 No Interest Charges: If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time.

16 No Foreign Transaction Fees: American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on these transactions.

17 Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

18 Return Protection: Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in “like new” condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

19 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

20 Travel Accident Insurance: Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0948, Policy AX0949, or Policy TAI-AX0955. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. To be covered, you must pay the Entire Fare** for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member’s American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered, except for New Hampshire residents. Please read important exclusions and restrictions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/TAIterms.
**Definition of entire fare differs for residents of New Hampshire. See full Terms and Conditions for details.

21 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Car Rental Loss and Damage Insurance is an excess insurance plan and will reimburse the Card Member only for losses/expenses not covered by other plans and when the Card Member uses their Card to reserve and pay for the entire vehicle rental. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This product provides collision damage to the rented vehicle but does not cover such things as damages to other vehicles or property, or injury to other persons. This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $75,000 or more, and exotic cars, as described in the Terms and Conditions. Not all vehicle types or rentals are covered. Coverage not available for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica and New Zealand; additional U.S. economic or trade sanction restrictions may apply. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/CRLDIterms.