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Platinum Card® from American Express exclusively for Morgan Stanley
  • You can receive 50,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases within the first 3 months of Card Membership.
  • Enjoy exceptional benefits for an Annual Fee of $450.
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.

CRC442823 03/2012

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

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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 Platinum Card® from American Express exclusively for Morgan Stanley 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 Platinum Card® from American Express exclusively for Morgan Stanley. 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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Obtain one (1) Additional Card for no additional fee. Then, a total annual fee of $175 for up to (3) Additional Cards, after the first one. Then, each Additional Card can be obtained for an annual fee of $175, after the first (4).
  • 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

Payment Information
All charges made on this charge card are due and payable when you receive your periodic statement.
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 $450
Transaction Fees
  • Foreign Transaction
None
Penalty Fees
  • Late Payment
Up to $37. However, if your account does not have a Pay Over Time feature or balance and you do not pay for two billing periods in a row, your fee will be $37 or 2.99% of the past due amount, whichever is greater.
  • Returned Payment
Up to $37

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.

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.

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


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

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

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all 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.

The Platinum Card® from American Express Exclusively for Morgan Stanley is issued by American Express Bank, FSB. All rights reserved. ©2014 American Express Bank, FSB

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.

POID AJ03:0002

OFFER TERMS

50,000 PointsTo qualify for 50,000 points, you must make purchases on your Platinum Card from American Express exclusively for Morgan Stanley Account that total $1,000 or more within your first three months of Card Membership starting from the date your account is approved. 50,000 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 terms 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 Platinum Card® from American Express exclusively for Morgan Stanley is $450. Foreign Transaction Fee: None

BENEFIT TERMS

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

$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 a year toward incidental air travel fees, Card Member must enroll and choose a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can enroll and 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. Statement Credits: Incidental air travel fees must be charged on the enrolled Card Account for the benefit to apply. Purchases made by both the Basic and Additional Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 a 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 enrollment in this benefit 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 incidental air travel fees under the appropriate merchant code, industry code, or required service or product identifier for the charge to be identified. 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.

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

Additional Cards
Obtain one (1) Additional Card for no additional fee. You can get up to the next 3 Additional Cards for a total annual fee of $175. Then, each Additional Card can be obtained for an annual fee of $175. Additional Card Members must be at least 15 years of age and never have had a defaulted account with American Express.

Airport Club Access Program
The 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. Partners and locations subject to change without notice. Additional guest access subject to Delta Sky Club's then-current access policy. This information is accurate as of 12/27/2013.

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.

American Express Preferred Seating
Eligible Cards

Preferred Seating is available to American Express® Gold Card, Platinum Card®, Centurion® Card, Platinum Delta SkyMiles® Credit Card, Delta Reserve Credit Card from American Express, Platinum Delta SkyMiles® Business Credit Card, Delta Reserve for Business Credit Card from American Express, Executive Corporate Card, Corporate Platinum Card and the Executive Business Card, Business Gold Card, Business Platinum Card® and Business Centurion® Card from OPEN American Express®, if issued by American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB.

Tickets available through the American Express Preferred Seating program are available exclusively for qualifying Card Members at no additional cost. Standard service charges apply. Tickets are subject to availability and apply to select events. Tickets must be purchased with an eligible American Express Card. Availability will vary by performance based on prior sales. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

Redemption Information

To redeem an American Express Preferred Seating offer, Domestic Card Members, please enter the 10-digit Customer Service phone number located on the back of your Card when placing your order. International Card Members, please enter your promotional code.

If you are a Domestic Card Member, for more information on Preferred Seating, please call 1-800-448-TIKS or visit americanexpress.com/entertainment. If you are an International Card Member, please call the customer service number located on the back of your Card. International inquires will not be serviced on the U.S. 800 number listed above.

Anniversary Spend Award
If the total eligible purchases charged to your Platinum Card® from American Express exclusively for Morgan Stanley Card Account equals $100,000 or more during each anniversary year as described below, Morgan Stanley shall deposit five hundred dollars ($500) into an Eligible brokerage Account of yours that is determined by Morgan Stanley. If you qualify to receive the $500 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 $500 to you in the form of a check that will be mailed to your address on record at Morgan Stanley. The $100,000 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 $500 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.

By Invitation Only®
Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. Tax and gratuity extra. All sales are final and non-refundable, and resale is prohibited. Payment must be made using an eligible American Express® Card. Details and prices are subject to change. Packages are available on a first-come, first-served basis. Availability is limited. Must be 21 years of age or older to consume alcoholic beverages. Please drink responsibly. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-297-1300 for more information. Participating merchants and available rewards are subject to change without notice.

Car Rental Privileges
Benefits given to Platinum Card Members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment to receive benefits. Platinum Card Members must be affiliated with the Platinum Program codes. Hertz Gold Plus Rewards® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz Gold Plus Rewards, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Platinum Card from American Express. Platinum Card Members are required to enroll in Avis Preferred Club, Hertz Gold Plus Rewards and National Emerald Club Executive memberships to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement to be on file. Please note that the Car Rental Privileges program available to Platinum Card Members is a separate program from the Premium Car Rental Protection insurance product offered by American Express Travel Related Services Company, Inc. and underwritten by AMEX Assurance Company.

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.

Cruise Privileges Program
Valid for new bookings of voyages of at least five nights made through American Express Travel. May not be combined with other offers unless indicated. Blackout dates, category and fare restrictions may apply. Payment must be made with an American Express Card in U.S. Platinum Card Member or Centurion Member's name. Card Member must travel on itinerary booked. Benefits listed require double occupancy and are non-transferable. If you are a resident of Puerto Rico or U.S. Virgin Islands, Cruise Privileges Program benefits may not be available in your home market. Up to $300 USD shipboard credit will be credited to the guest stateroom folio upon checkout. Credits cannot be used for casino charges and gratuities. Unused portion of credit is non-refundable and is not redeemable for cash. Other restrictions may apply, see onboard cashier for details. Two-category upgrade is within stateroom type. Stateroom upgrade confirmed at booking, based on availability. Certain Stateroom categories are not eligible for room upgrade; call Platinum Travel Service for details. Limit one benefit package per stateroom; three-stateroom limit per Card Member, per sailing. To obtain benefits, travel agents must visit americanexpress.com/asdonline. Participating providers and benefits subject to change.

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 Platinum Card® from American Express exclusively for Morgan Stanley 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 Platinum Card® from American Express exclusively for Morgan Stanley. 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.

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. 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.

Global Entry Fee Credit
Global Entry is a U.S. government program. American Express has no control over the application and/or approval process, and does not have access to any information provided to the government by the Consumer and Business Platinum Card® or Centurion® Member. Global Entry membership also includes access to the TSA PRE✓TM Program, which can provide expedited security screening at select US airports. If approved for Global Entry, no additional application to the TSA PRE✓TM Program is required. TSA Pre✓TM, if applied for separately, does not qualify to receive the statement credit.
American Express has no liability regarding the Global Entry program or the TSA PRE✓TM Program. If you need more information regarding the application and/or approval process, as well as the full terms and conditions of this program, please go to www.globalentry.gov.
The benefit is available to Consumer and Business Platinum Card and Centurion Members and Additional Card Members only and applies when the Card Member or an Additional Card Member applies to the "Global Entry" program. Other program applications including, but not limited to, NEXUS, SENTRI, and Privium are not eligible for the statement credit.
To receive the $100 statement credit, Card Member must complete the Global Entry application and pay a $100 application fee with a valid Consumer or Business Platinum Card or Centurion Card. If an Account has Additional Card(s), the Additional Card(s) is also eligible for the $100 statement credit. To receive the credit, the Global Entry application must be charged on the Additional Card. If approved, membership into the Global Entry program is valid for 5 years without additional charges and subject to the program's terms and conditions. Card Members can receive one $100 statement credit every 5 years for a Global Entry application fee charged to each eligible Card.
The $100 application fee must be paid regardless of a decision by U.S. Customs and Border Protection and is required to process the application. Membership is per person, and a separate application must be completed for each individual.
Please allow 6-8 weeks after the qualifying Global Entry transaction is charged to the eligible Card account for statement credit(s) to be posted to the account. Card Members can call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members are responsible for payment of all charges until the statement credit(s) posts to the account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.

Gold Card Destinations
Valid for new bookings of a vacation package of at least $3,000 made through American Express Travel. Payment must be made with an American Express Card in U.S. Gold Card Member, Platinum Card Member or Centurion member's name. 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. Benefits listed are non-transferable, subject to availability, and cannot be redeemed for cash or credit. Benefit varies by participating provider.

International Airline Program
The savings applies to the base fare of the ticket for the companion only. Companion ticket subject to government taxes/fees from $52 to $365 roundtrip. Total charge for companion ticket may also reflect airline-imposed fuel and security surcharges and fees of up to $2090 roundtrip. Non-refundable American Express service fee of $39 (per ticket) applies to your full-fare ticket, the companion ticket and each additional ticket purchase and itinerary change; this fee is waived for U.S. Centurion® Members. Ticket refunds require cancellation of reservation prior to scheduled departure. To receive savings on the companion ticket, the purchase of a qualifying First- or Business-Class ticket on a participating airline must be made through Platinum Travel Service, Business Platinum Travel, Centurion Travel Service or any American Express Travel office and paid 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 or U.S. Centurion® Members. Travel must originate in and return to U.S. gateway (may exclude certain overseas territories) or select Canadian gateways. One-way travel permitted on some airlines where routing originates in U.S or select Canadian Gateways. Inquire with American Express Travel about airlines that offer one-way travel. Available service class (First or Business) determined by airline and subject to availability. Seat availability is limited. Card Member and companion must travel on same itinerary. Limit one companion ticket per Card Member traveling. Tickets are non-transferable or endorsable. Full-fare ticket and companion ticket must both be cancelled before the Card Member is refunded. Not combinable with any other promotion and may not be available on participating airline's code-share partners, i.e., flights marketed by the ticketing airline but operated by its code-share partner. Airlines reserve right to modify fare rules/program participation prior to booking. Participating airlines and benefits are subject to change.

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.

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.

No Pre-Set Spending Limit
No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

Premium Global Assist® Hotline
While the Premium Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members may be responsible for the costs charged by third-party service providers. Premium Global Assist Hotline can provide medical evacuation services only if approved and coordinated by Premium Global Assist Hotline. For full Terms and Conditions call 1-800-345-AMEX or see americanexpress.com/GAterms.

Premium Private Jet Program
On-Demand Charters/Membership Program: Valid for new bookings made through American Express Travel. Payment must be made with an American Express Card in U.S. Platinum Card Member or Centurion Member's name. Card Member must travel on itinerary booked. May not be combined with other offers unless indicated. Benefits listed are non-transferable and are not redeemable for cash. Participating providers and benefits subject to change.
Le Bas International: Le Bas acts as broker for Card Members to obtain jet services from airlines and charter operators worldwide. Flights will be operated by a direct air carrier holding an air carrier certificate from the Federal Aviation Administration (FAA) and economic authority from the U.S. Department of Transportation (DOT), or equivalent foreign government authorities. Flights will be conducted under Part 121 or 135 of the Federal Aviation Regulations (FAR) or applicable foreign equivalents, and operational control of your flight shall be vested in the air carrier. Your flights will be arranged by private jet management companies, brokerage companies or directly by private jet operators ("Service Providers") on your behalf. As your arrangements are made on your behalf by these Service Providers, consult with them regarding your rights and obligations. The aircraft utilized for these private jet services are listed on the respective air carrier's operations specifications. Neither American Express Company nor American Express Travel Related Services Company, Inc. (collectively "Amex") are air carriers and neither possess DOT or FAA authority to engage in air transportation. Amex is not responsible for the acts or omissions of its Service Providers, and by participating you waive any implied warranties and disclaim reliance on any representations made by Amex regarding Service Provider's qualifications, certifications, or fitness to conduct flights.

XOJET: Flights will be operated by either XOJET, Inc., an FAA-certificated Part 135 air carrier, or another FAA-certificated Part 135 or Part 121 air carrier, which shall retain operational control over such flights ("Service Providers"). As your arrangements are made on your behalf by these Service Providers, consult with them regarding your rights and obligations. The aircraft utilized for these private jet services are listed on the respective air carrier's operations specifications. Neither American Express nor American Express Travel Related Services Company, Inc. (collectively "Amex") are air carriers and neither possess DOT or FAA authority to engage in air transportation. Amex is not responsible for the acts or omissions of its Service Providers, and by participating you waive any implied warranties and disclaim reliance on any representations made by Amex regarding Service Provider's qualifications, certifications, or fitness to conduct flights.

Special Premium Private Jet Program customer service assurances include the following:
1. In the event that there is a flight interruption within the reasonable control of a Service Provider and/or operator during the course of any flight that departs from the United States, including but not limited to a mechanical issue or pilot delay, Service Provider will provide the Platinum Card or Centurion Member (each, the "Card Member") a replacement aircraft within four hours of the original scheduled flight time. If a replacement aircraft is not provided within four hours, then the Card Member may choose for Service Provider to 1) put all passengers on a commercial flight and pay for the plane tickets and the transportation to the airport (in this instance, Card Member will not be charged for the original private jet flight), or 2) provide a $400 per passenger hotel and food credit while waiting for the replacement aircraft.

2. In the event that there is a flight interruption within the reasonable control of a Service Provider and/or operator during the course of any flight that departs outside of the United States, including but not limited to a mechanical issue or pilot delay, Service Provider will provide the Card Member a replacement aircraft within six hours of the original scheduled flight time. If a replacement aircraft is not provided within six hours, then the Card Member may choose for Service Provider to 1) put all passengers on a commercial flight and pay for the plane tickets and the transportation to the airport (in this instance, Card Member will not be charged for the original private jet flight), or 2) provide a $400 per passenger hotel and food credit while waiting for the replacement aircraft.

Best Price Assurance: Service Providers will provide to Card Members competitive prices that are the same as or lower than prices that would be provided to any other customer under the same conditions for the same flight(s) and on the same day and timeframe. Customers who are subject to pre-existing agreements with Service Providers are excluded.

Limo Transfer Service: Card Members receive limousine services up to $300 per flight. Limousine services for XOJET will be arranged by XOJET; limousine services for Le Bas International will be arranged by American Express Travel.

Premium Roadside Assistance
Premium Roadside Assistance provides the following services at no additional cost up to 4 times per calendar year when Card Member is present with the eligible vehicle: towing up to 10 miles, 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. Card Member will be charged for the costs of towing in excess of 10 miles and any other additional services. Coverage is available in the United States, Canada, Puerto Rico and the U.S. Virgin Islands. 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. In case of inclement weather, we may be unable to provide you with services. Services may not be available or may be at the cost of the Card Member 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.

Priority PassTM Select
These Terms and Conditions govern 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 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, 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 Gold Card Members are not eligible for membership.

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.

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.

Starwood Preferred Guest Gold
Enrollment in the Starwood Preferred Guest program is required. Benefits are subject to change and are based upon space availability. Program amenities may not be combined with the FINE HOTELS & RESORTS program. The complete program terms and conditions of the Starwood Preferred Guest program apply. Gold Preferred Guest status is valid as long as you are a Platinum Card Member in good standing. Upgrades are based upon availability and will vary by property. 1Subject to availability at check-in for the length of the stay, provided the room was not booked through a pre-paid third-party channel. Preferred Rooms do not include suites. This benefit is not offered at Aloft and Element properties 2 Subject to availability at resort and conference center hotels.

The CenturionSM Lounges
The Platinum Card Member must present his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Age requirements and restrictions may vary by location. 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.

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

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 $75,000 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 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. 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 $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. 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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