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Morgan Stanley Credit Card from American Express
  • You can receive 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases within the first 3 months of Card Membership.
  • Enjoy $0 INTRODUCTORY Annual Fee for the first year, then $95.
See FAQs Offer Terms Benefit Terms Rates and Fees

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If you wish to establish an eligible Morgan Stanley account, please contact your financial advisor.

CRC442817 03/2012

Our commitment to world-class service comes with every Card.

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We may send you updates on your application status, as well as information about our or our business partners' products and services. For information about how we protect your privacy, please read our Privacy Statement.

We only ask for a Physical Address when the Home Address has been entered as a P.O. Box.

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You must have an eligible Morgan Stanley Smith Barney brokerage account to apply for the Card. If you are approved, you must also continue to have an eligible Morgan Stanley Smith Barney brokerage account to continue to use the Card. Please see below for further information regarding eligible accounts.
The Morgan Stanley Credit Card from American Express is only available to you if you have an Eligible Morgan Stanley Smith Barney LLC brokerage Account (“Eligible Account”). Eligible Account means a Morgan Stanley Smith Barney LLC (“Morgan Stanley”) brokerage account held in your name or in the name of a revocable trust where you are the grantor and trustee, except for the following accounts: Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, irrevocable trusts and employer-sponsored accounts. Eligibility is subject to change.
American Express may cancel your Card Account and participation in this program, if you do not maintain an Eligible Morgan Stanley brokerage Account.
Morgan Stanley may compensate your Financial Advisor and other employees in connection with your acquisition or use of the Morgan Stanley Credit Card from American Express.
Morgan Stanley is a registered Broker/Dealer, not a bank. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, including possible loss of principal amount invested.
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Which of the following financial assets are available to you? If under age 21, include only your assets. Check all that apply.
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Order Additional Cards

Add Additional Cards to your account at no additional cost.
  • Enjoy peace of mind knowing someone close to you shares the benefits of the Card.
  • American Express' account management allows the Cardmember to set individual spending limits and easily monitor each Card linked to their account.
  • Each eligible dollar spent on their Additional Cards goes towards their Anniversary Spend Award threshold.
  • Additional Cardmember charges get itemized and separated on their regular monthly statement.
  • If the Cardmember's Card or the Additional Card is lost or stolen, only that Card needs to be replaced because each Card has its own number.

All Additional Cardmembers must be 15 or older, and must never have had a defaulted account with American Express.

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By submitting this application, I certify that I have read, met and agreed to all of the terms, conditions and disclosures which contain fee and other important information. Membership Rewards® partners will receive certain information about you in order to provide the benefits of your Membership Rewards account.

IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases 15.24%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 15.24% APR on balance transfers requested within 30 days of account opening.

This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 25.24%
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies 27.24%
This APR will vary with the market based on the Prime Rate. This APR will apply to your account if you:
1) Make one or more late payments; or
2) Make a payment that is returned
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for at least 6 months. We review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until after you have made timely payments, with no returned payments during the 6 months being reviewed. The Penalty APR will apply to existing balances only if a payment is more than 60 days late.
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 and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Membership Fee $0 for the first year, then $95
Transaction Fees
  • Balance Transfer
Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance
Either $5 or 3% of the amount of each cash advance, whichever is greater.
  • Foreign Transaction
2.7% of each transaction after conversion to US dollars.
Penalty Fees
  • Late Payment
Up to $37
  • Returned Payment
Up to $37
  • Overlimit
None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR: We may end your Introductory APR and apply the Penalty APR if you do not pay at least the Minimum Payment Due within 60 days after its Payment Due Date.

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 are requesting us to open an Account in your name and to issue Card(s) as you direct. Only qualified individuals 18 or over may apply for an Account. This offer is available to US Residents.

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

When you use your Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you. Your Card Member Agreement includes an arbitration provision, which restricts your opportunity to have claims related to the account heard in court or resolved by a jury, and to participate in a class action or similar proceeding.

We may change the Card Member Agreement subject to applicable law. We may do this in response to the business, legal, or competitive environment. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Card Membership.

Additional Cards: Additional Card Members do not have accounts with us but they can use your Account subject to the terms of the Card Member Agreement. You are responsible for all use of your Account by Additional Card Members and anyone they allow to use your Account. You must pay for all charges they make. You authorize us to give Additional Card Members information about your Account and to discuss it with them.

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.

Balance Transfers: Only balance transfers from accounts in your name requested within 30 days from the date of account opening will be approved. We will charge your Card account for the total approved amount of all balance transfers. No transfer will be processed if: (1) any requested transfer is less than $100; (2) the total amount of all requested transfers exceeds the lesser of $7,500 or 50% of your credit limit; or (3) charging the requested transfers to your Card account would cause your total account balance to exceed your credit limit. We will not initiate any balance transfer until at least ten days after we have mailed or otherwise provided the Card Member Agreement to you. In some cases, it may take up to six weeks to complete a balance transfer. Please be sure to make all required payments on any account from which you are transferring a balance until the balance transfer is credited to that account. You authorize us to verify the balance of such accounts. You may not transfer balances from any account issued by American Express or any of its affiliates. Additional Card Members may not request or authorize balance transfers. Your balance transfer request may be declined if any of your American Express accounts are not in good standing.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral agreement, or court decree under Wisconsin’s Marital Property Act will adversely affect a creditor’s interest unless, prior to the time credit is granted, the creditor is furnished a copy of that agreement or decree or is given complete information about the agreement or decree.

New York residents 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.

An Applicant, if married, may apply for a separate account.

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.


The Morgan Stanley Cards from American Express are issued by American Express Bank, FSB, not Morgan Stanley. Services and rewards for the Cards are provided by either Morgan Stanley, American Express or other third parties. Restrictions and other limitations apply, see the terms and conditions for the Cards for details. Clients are urged to review fully before applying.
Morgan Stanley, its affiliates, and Morgan Stanley Financial Advisors and employees are not in the business of providing tax or legal advice. Clients should speak with their tax advisor regarding the potential tax implications of the Rewards Program upon their specific circumstances.

© 2014 Morgan Stanley Smith Barney LLC. Member SIPC.

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.


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OFFER TERMS

10,000 PointsTo qualify for 10,000 points, you must make purchases on your Morgan Stanley Credit Card from American Express Account that total $1,000 or more within your first three months of Card Membership starting from the date your account is approved. 10,000 points will be credited to your Membership Rewards® program account 6-8 weeks after you meet the spend requirement. Limit one offer per Card Account. Cash advances, balance transfers, fees or interest charges, purchases of traveler's checks, purchases or reloading of prepaid cards or purchases of other cash equivalents do not apply towards the spend requirement. To receive the bonus points, account must be active, in good standing, and not in default at the time the bonus points are posted to your account. 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. American Express reserves the right to modify or revoke offer at any time. In rare instances, your period to spend $1,000 may be shorter 3 months if there is a delay in mailing 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). For questions regarding your Card account, please call the number on the back of your Card.

Basic Card Annual FeeThe annual fee for the Morgan Stanley Credit Card from American Express will be waived for the first year of Card Membership. The annual fee will be $95.

BENEFIT TERMS

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

Account Manager
Account Managers and Agents must be at least 18 years old.

Additional Cards
Additional Card Members must be at least 15 years of age and never have had a defaulted account with American Express.

Anniversary Spend Award
If the total eligible purchases charged to your Morgan Stanley Credit Card from American Express Card Account equals $25,000 or more during each anniversary year as described below, Morgan Stanley shall deposit one hundred dollars ($100) into an Eligible brokerage Account of yours that is determined by Morgan Stanley. If you qualify to receive the $100 deposit but your only Eligible Morgan Stanley brokerage Account is a trust account, joint account, retirement account, or sole proprietorship account, Morgan Stanley will instead send $100 to you in the form of a check that will be mailed to your address on record at Morgan Stanley. The $25,000 purchase threshold is measured from the one year period following the date your Card Account was opened and resets to $0 each year on the anniversary of the date your Card Account was opened. You will not receive your $100 award if your Card Account is cancelled or in default at the time of fulfillment. 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, purchase or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Eligible purchases include purchases made by both the Basic and Additional Card Members on the Card Account. This offer may not be transferred. Limit one Anniversary Spend Award per anniversary year per Card Account. It will typically take approximately 4-6 weeks after the anniversary date of the Card Account to receive the Anniversary Spend Award from Morgan Stanley. Please contact Morgan Stanley with any questions about brokerage account eligibility and the fulfillment of the award.

Custom Limits®
When you request that we apply a limit as described below on Charges incurred by an Additional Card Member on your Account, you agree to these terms. These terms supplement, and are incorporated by reference into, the terms of your Card Member Agreement. At your request, we may agree to apply a limit to the total dollar amount of Purchases, during each billing period, that are charged to Card numbers associated with one or more specified Additional Card Members on your Account. At your request, we may agree to apply a limit to the total dollar amount of cash access transactions at ATMs, during each billing period, that are made using Card numbers associated with one or more specified Additional Card Members on your Account. If we agree to apply a limit, it is not a guarantee that the Additional Card Member will be able to make Purchases or cash access transactions up to the applicable limit. In applying any limit we will not take in to account any credits (such as for returned merchandise or for payments), even if a credit relates to a Purchase made by the Additional Card Member. Any request that we change a limit may not be effective until a subsequent billing period. Any Charges (as defined below) incurred by the Additional Card Member prior to the date during a billing period that we apply the limit will not be subject to the limit for that billing period. Because of systems or administrative considerations, arrangements with merchants, or for other business reasons, we may, but are not required to, treat some Purchases and/or cash access transactions (collectively, Charges) as not being subject to any such limits. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. While we typically require merchants to obtain an authorization for purchases and submit final transaction documentation for payment in a timely manner, a limit may not apply or may be exceeded when a merchant does not obtain an authorization for any reason; when a merchant obtains an authorization for a partial amount of the final charge submitted to us for payment; or when such submissions are not submitted or processed at the same time that the authorization is obtained. Examples may include, but are not limited to: Charges made outside of the U.S., in duty-free stores, or on board airplanes or cruise vessels; international airline ticket Purchases; vehicle rentals; lodging stays extended beyond original reservation period; certain mail order Purchases; Purchases billed on a recurring basis; Purchases at gas stations; telecommunications charges, including charges incurred with calling cards; taxicab charges; security deposits; late, damage or other fees in connection with rentals; Purchases billed in installments; restaurant tips and other gratuities; and Charges that occur before the end of billing period, if the Charge is posted to your Account after the Closing Date of that billing period. Any limit will not be applied to Charges for foreign currency or for travelers cheques or gift cheques obtained other than by telephone from us. The Spending Limit is optional. If no spending limit is set on the Additional Card, spending capacity on this Card will be subject to the Basic Card Member's account terms and conditions.

Destination Family
Valid for new bookings made through American Express Travel with participating travel providers: Abercrombie & Kent, American Express Vacations, Avis Rental Car, Hertz, Royal Caribbean International, Regent Seven Seas Cruises, and Tauck World Discovery. Benefit varies by provider. Payment must be made with an American Express Card. May not be available to residents of Puerto Rico or U.S. Virgin Islands. Card Member must travel on itinerary booked. Limit one benefit package per booking. May not be combined with other offers unless indicated.
Blackout dates apply and benefits are subject to change. Benefits listed are non- transferable, subject to availability, and cannot be redeemed for cash or credit. Available to all U.S. American Express Corporate, Consumer, OPEN and Prepaid Cards.

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

Double Membership Rewards® Points
Eligible purchases are travel purchases, excluding car reservations and non-prepaid hotels, booked on amextravel.com on your Membership Rewards program-enrolled American Express® Card. To earn double 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.

Eligibility
The Morgan Stanley Credit Card from American Express is only available to you if you have an Eligible Morgan Stanley Smith Barney LLC brokerage Account ("Eligible Account"). Eligible Account means a Morgan Stanley Smith Barney LLC ("Morgan Stanley") brokerage account held in your name or in the name of a revocable trust where you are the grantor and trustee, except for the following accounts: Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, irrevocable trusts and employer-sponsored accounts. Eligibility is subject to change. American Express may cancel your Card Account and participation in this program, if you do not maintain an Eligible Morgan Stanley brokerage Account. Morgan Stanley may compensate your Financial Advisor and other employees in connection with your acquisition or use of the Morgan Stanley Credit Card from American Express. Morgan Stanley is a registered Broker/Dealer, not a bank. Unless specifically disclosed in writing, investments and services offered through Morgan Stanley are not insured by the FDIC, are not deposits or other obligations of, or guaranteed by, a bank and involve investment risks, including possible loss of principal amount invested.

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.

Invest with Rewards
This reward is only available to the Basic Card Member on a Morgan Stanley Card from American Express who has a “deposit eligible” Morgan Stanley brokerage Account (an “Eligible Card Member”). Additional Card Members and otherwise authorized third parties, including authorized account managers, may not redeem Membership Rewards points for this reward. A “deposit eligible” Morgan Stanley brokerage Account is a Morgan Stanley brokerage Account held in the Eligible Card Member's name, and excludes Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, Irrevocable Trusts, Employer-Sponsored Accounts, Inherited IRAs, Salary RED/SEPs, 529 college savings plans, and Simple IRA accounts. An Eligible Card Member may redeem a maximum of four million Membership Rewards points every seven calendar days for this reward. Redeemed points will be immediately deducted by American Express from the Eligible Card Member's Membership Rewards account. Morgan Stanley will deposit associated funds into the Eligible Card Member's “deposit eligible” Morgan Stanley brokerage Account within four to six business days, excluding bank holidays. Points are not refundable once redeemed. This reward is subject to the Terms and Conditions of the Membership Rewards program. Please consult with your tax advisor regarding the tax implications of any rewards.

Membership Rewards® Pay with Points
To use Pay with Points, you must charge your purchase through amextravel.com 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. Minimum redemption 5,000 points. See membershiprewards.com/terms for Membership Rewards program terms and conditions.
If a charge for a purchase is included in a Pay Over Time feature balance on your Linked Account (for example, the Extended Payment Option), the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card.

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. 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, purchase or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply.

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, cellular phones, 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. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

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.

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#1022318-10, Washington UBI#600-469-694, Iowa TA#002, Nevada NV#2001-0126.

Shop with Points at Amazon.com
Amazon.com Terms and Conditions apply. 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.

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.

AMEX ASSURANCE COMPANY DISCLOSURES

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

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, trucks, 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, 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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