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Thank you for your interest in the SimplyCash® Business Card From American Express OPEN. We apologize that the offer you are looking for is not available at this time. Below is the current offer.

Applying for the Card is quick and easy. Just enter your information, verify, and apply. Then get a decision in 60 seconds.

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Start your application by entering your business and personal information below — and get a decision in 60 seconds.

YOUR BUSINESS INFORMATION

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Role in Company:*
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Estimated Monthly Spend:

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Your e-mail address may be used to provide you with updates on the status of your application as well as exclusive offers and savings for your business. For information about how we protect your privacy, please read our Privacy Statement at americanexpress.com/privacy.
Note: For Partnerships and Corporations, TIN is required to activate an American Express OPEN® business account.

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YOUR PERSONAL INFORMATION

Business Address
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My home address is the same as my business address.
Billing Address:   Business Address   Home Address   
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Include all income available to you. If under age 21, include only your income. Income includes wages, retirement, investments, rental properties, etc. Alimony, child support, or separate maintenance need not be revealed if you do not wish to rely upon it.

* Required Information

PLEASE SCROLL DOWN TO READ IMPORTANT INFORMATION ABOUT RATES, FEE, AND OTHER COST INFORMATION BEFORE SUBMITTING YOUR APPLICATION.

By submitting this application, I certify that I have read, met and agreed to all the terms, conditions and disclosures linked to this application. I understand that there is no annual fee for the Basic Card.

IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases
0.0% introductory APR for the first 9 months .
After that, your APR will be 12.24% (Prime Rate + 8.99%),17.24% (Prime Rate + 13.99%) or 19.24% (Prime Rate + 15.99%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
21.24% (Prime Rate+ 17.99%)
This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies
27.24% (Prime Rate+ 23.99%)
This APR will vary with the market based on the Prime Rate.
This APR will apply to your account if:
1) You make 2 or more late payments in a 12-month period;
2) You do not pay the Minimum Payment due by the closing date of the billing period in which it is due; or
3) You make a payment that is returned.
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for a minimum of 12 billing periods in a row, and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.
Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Fees
Annual Membership Fee
$0
Transaction Fees
  • Cash Advance
  • Foreign Transaction
Either $5 or 3% of the amount of each cash advance, whichever is greater.

2.7% of each transaction after conversion to US dollars.
Penalty Fees
  • Late Payment
  • Overlimit
  • Returned Payment
Up to $37
None
$37

 

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases.)"
Loss of Introductory APR: We will end any Introductory APR and apply the Purchase APR if you make a late payment. Your introductory APR will also end if the Penalty APR applies to your Account.

Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal 2 days before the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 04/01/2014.

TERMS AND CONDITIONS

View the full Card Member Agreement.

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

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

Additional Cards: You must notify Additional Card Members that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Card Member Agreement.

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

New York residents may contact the New York Department of Financial Services to obtain a comparative list of credit card rates, fees, and grace periods by calling 1-800-518-8866.

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


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

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

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.


POID AVU4:0001

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

You can earn a $250 statement credit after you spend $3,000 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 $3,000 may be shorter than 3 months if there is a delay in mailing your Card. Also, purchases may fall outside of the 3 months period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date your made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The $250 statement credit will appear on your monthly billing statement within 8-12 weeks after you have charged $3,000 in qualifying purchases, provided that your Card account is in good standing. Offer expires on April 28, 2014. If your application is not approved by April 28, 2014 because it is incomplete or in pending status, you may not receive the $250 statement credit offer even if your application is subsequently approved. Offer may not be combined with any other promotional offers. American Express reserves the right to modify or revoke offer at any time. For questions regarding your Card account, please call the number on the back of your Card.


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

Account Manager
Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Account Managers.

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

Earning Cash Back
You will earn a rebate for eligible purchases on your American Express SimplyCash® Business Credit Card. The rebate you earn is based on a percentage of the eligible purchase you make during each billing period and will be automatically credited to your account as statement credit. The rebate will appear on the second billing statement after the billing statement with the eligible purchases. You will not receive the rebate if your Card account is cancelled or in default at the time of fulfillment. For each rebate year (a rebate year is 12 billing periods, starting with the one that includes February 1), you will earn a rebate of 5% on your first $25,000 (1% thereafter) of combined eligible purchases made on monthly wireless telephone services purchased directly from wireless telephone service providers in the U.S. (purchases of hardware and equipment, and purchases from third parties and resellers, are excluded) and at office supply stores located in the U.S. (office supplies purchased at other retail stores are excluded); 3% on your first $25,000 (1% thereafter) of eligible purchases made in the category that you select (see below for more on the available categories and how to make your selection), 1% thereafter; 1% on all other eligible purchases. If your billing cycle changes, the length of your rebate year will also change.
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.
You may select your 3% rebate category from the following seven categories: (1) airfare purchased directly from airlines, (2) hotel stays (excluding timeshares, banquets and events), (3) purchases from select major car rental companies listed at americanexpress.com/rewards-info, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) U.S. purchases for shipping, or (7) U.S. purchases for advertising in select media. For more details on these categories including important terms and limitations, please go to americanexpress.com/rewards-info. You may select your 3% rebate category from the list described above within the first two months of Card Membership. Thereafter, you can change your selection 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/cashback. Once you make your selection, it will be applied retroactively back to the first day of the billing period in which your selection is made. If you do not make a selection during the initial enrollment period, you will receive your 3% rebate on purchases at U.S. gas stations. 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 may make the selection and their selection will apply to purchases made by all Card Members on the account.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn a higher percentage rebate if the merchant’s code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage rebate. A purchase may not earn a higher percentage rebate if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

Earning Cash Back- How you will get your cash back
You will receive your cash back as a statement credit. Cash back will appear on the second billing statement after the billing statement on which the eligible purchases appear. You will not receive cash back if your Card account is cancelled or in default at the time of fulfillment.

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

OPEN Savings® Benefit
The OPEN Savings benefit is built in to Business Cards from American Express OPEN and provides either up to a 10% discount or up to 4 additional Membership Rewards® points for each eligible dollar spent at OPEN Savings merchants. To take advantage of this benefit, payment must be made with a Business Card from American Express OPEN at the time of purchase. All Cards under a particular Card Account (including the Basic Card as well as any Additional or Employee Cards) are combined for the purposes of calculating OPEN Savings benefits. All OPEN Savings benefits are credited to the Basic Card Member only. Please allow up to 12 weeks for your benefit to appear on your monthly statement. If your Card Account is not eligible to receive Membership Rewards points or is not enrolled in the Membership Rewards program, you will receive the OPEN Savings benefit as a discount that will be provided as a statement credit to that Card Account. If your Card Account is enrolled in the Membership Rewards program you have the option of receiving your OPEN Savings benefit either as a discount or as additional Membership Rewards points. The relative value of the benefit options will differ depending on how you use your Membership Rewards points. The redemption value of additional points that you receive under the Membership Rewards Points Benefit may be less than the dollar value of statement credits that you receive under the Discount Benefit. You can change your OPEN Savings benefit selection a maximum of once per calendar month. Changes normally take effect within 72 hours from the time you submit a change to your benefit selection. Purchases that are eligible for the OPEN Savings benefit that are returned or credited from an OPEN Savings merchant will result in a reversal of your statement credit or removal of Membership Rewards points depending on your benefit election at the time of the return or credit. The benefit may not be available at all OPEN Savings partner locations. For a full list of individual OPEN Savings merchants and benefit descriptions, please visit opensavings.com. The OPEN Savings benefit (including merchant participation and offers) is subject to change at any time without notice. Membership Rewards program terms and conditions apply. OPEN Savings offers may be subject to exclusions, benefit limits and other restrictions or limitations. For full terms and conditions including specific paragraphs on the Benefit Selection and How Returns Work, go to opensavings.com.

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

Roadside Assistance Hotline
Roadside Assistance Hotline is a 24-hour dispatch hotline that can send a tow operator or locksmith to assist in an emergency situation. While Roadside Assistance Hotline is available at no additional charge, the Card Member will be charged for any services or goods provided. Tow operator or locksmith can provide the following services: towing, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Services are available when traveling within the United States, Canada, Puerto Rico and the U.S. Virgin Islands and only when Card Member is present with the eligible vehicle. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. We may be unable to provide you with coordination and assistance services in case of inclement weather or on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.

Spending Limits
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 restaurant tips and hotel stays extended beyond their original reservation period and the overall Account capacity is taken into consideration. For more information on the application of the limit, please refer to the Spending Limit Terms & Conditions that will be included in the confirmation letter mailed to you after your limit is applied to each Additional Card.

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


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

Baggage Insurance Plan
American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0400, Policy AX0401, Policy BIP-AX0402, or Policy BIP-IND. For residents of GU, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000100. 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. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, bus, except charters) with your eligible Card. Entire Fare means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For lost checked baggage, a written report of the loss must be filed with the Common Carrier. For carry-on baggage, a written report of the loss must be filed with a local law enforcement agency if theft is suspected. For full Terms and Conditions, see americanexpress.com/BIPterms.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. 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. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. 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. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. 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 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 $10,000 per occurrence; not to exceed $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. For full Terms and Conditions, see americanexpress.com/EWterms.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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, 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 $1,000 per occurrence; not to exceed $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. 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.

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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under CRCB000000106. 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** with your eligible Card on a Common Carrier (e.g. plane, train, ship, bus, except charters). Entire Fare** means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use 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. 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.

 
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SimplyCash® Business Credit Card from American Express OPEN

The no fee Card that lets you choose how you're rewarded.

Offer

You can get a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership. To be eligible for this offer, you must be approved by April 28, 2014.1

Offer Terms

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

Annual Fee

No annual membership fee.

Earn Cash Back
  • 5% cash back at U.S. office supply stores
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers
  • 3% cash back on the category of your choice from a list of select categories
  • 1% cash back on other purchases


Terms and limitations apply.2 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.

See Additional Benefits
1 Welcome bonus offer not available to applicants who have had this product within the last 12 months. You can earn a $250 statement credit after you spend $3,000 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 $3,000 may be shorter than 3 months if there is a delay in mailing your Card. Also, purchases may fall outside of the 3 months period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date your made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The $250 statement credit will appear on your monthly billing statement within 8-12 weeks after you have charged $3,000 in qualifying purchases, provided that your Card account is in good standing. Offer expires on April 28, 2014. If your application is not approved by April 28, 2014 because it is incomplete or in pending status, you may not receive the $250 statement credit offer even if your application is subsequently approved. Offer may not be combined with any other promotional offers. American Express reserves the right to modify or revoke offer at any time. For questions regarding your Card account, please call the number on the back of your Card.
2 You will earn a rebate for eligible purchases on your American Express SimplyCash® Business Credit Card. The rebate you earn is based on a percentage of the eligible purchase you make during each billing period and will be automatically credited to your account as statement credit. The rebate will appear on the second billing statement after the billing statement with the eligible purchases. You will not receive the rebate if your Card account is cancelled or in default at the time of fulfillment. For each rebate year (a rebate year is 12 billing periods, starting with the one that includes February 1), you will earn a rebate of 5% on your first $25,000 (1% thereafter) of combined eligible purchases made on monthly wireless telephone services purchased directly from wireless telephone service providers in the U.S. (purchases of hardware and equipment, and purchases from third parties and resellers, are excluded) and at office supply stores located in the U.S. (office supplies purchased at other retail stores are excluded); 3% on your first $25,000 (1% thereafter) of eligible purchases made in the category that you select (see below for more on the available categories and how to make your selection), 1% thereafter; 1% on all other eligible purchases. If your billing cycle changes, the length of your rebate year will also change.
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.
You may select your 3% rebate category from the following seven categories: (1) airfare purchased directly from airlines, (2) hotel stays (excluding timeshares, banquets and events), (3) purchases from select major car rental companies listed at americanexpress.com/rewards-info, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) U.S. purchases for shipping, or (7) U.S. purchases for advertising in select media. For more details on these categories including important terms and limitations, please go to americanexpress.com/rewards-info. You may select your 3% rebate category from the list described above within the first two months of Card Membership. Thereafter, you can change your selection 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/cashback. Once you make your selection, it will be applied retroactively back to the first day of the billing period in which your selection is made. If you do not make a selection during the initial enrollment period, you will receive your 3% rebate on purchases at U.S. gas stations. 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 may make the selection and their selection will apply to purchases made by all Card Members on the account.
Merchants are assigned codes based on what they primarily sell. A purchase will not earn a higher percentage rebate if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage rebate. A purchase may not earn a higher percentage rebate if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.
I 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. 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, 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 $1,000 per occurrence; not to exceed $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. 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.
II 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. 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 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 $10,000 per occurrence; not to exceed $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. For full Terms and Conditions, see americanexpress.com/EWterms.
III 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, MP, FM, MH, and PW, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. 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. Coverage applies for the first 30 days of an auto rental and when rented from a Car Rental Company. 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. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as personal injury or personal liability, damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.
IV Authorize Someone to Manage Your Account: Authorized Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Authorized Account Managers.
V Year-End Summary: The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.