Please wait a moment

It appears that JavaScript is disabled within your browser.

To view the full site experience, you should ensure that you have JavaScript enabled by following these easy instructions.

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.
    Rates and Fees
See FAQs Offer Terms Benefit Terms Rates and Fees

Get a decision in as little as 60 seconds

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.

Your Personal Info
*Required fields
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.

Want Additional Cards for your account? Add Cards

You've added . Edit

No Additional Cards added at this time. Add Cards

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.
Your Employment & Financial Info
*Required fields
Which of the following financial assets are available to you? If under age 21, include only your assets. Check all that apply.
What is the total value of these financial assets?
DO YOU:*
Your Personal Info

Order Additional Cards

*Required fields

Order Additional Cards

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.

Order Additional Cards

Additional card 1:
Delete
Additional card 2:
Delete
Additional card 3:
Delete
Additional card 4:
Delete

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.

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.
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.
Private Bankers are employed by Morgan Stanley Private Bank, National Association, member FDIC.

© 2015 Morgan Stanley Smith Barney LLC. Member SIPC.

Morgan Stanley Private Wealth Management, a division of Morgan Stanley Smith Barney LLC. Member SIPC.

POID BYYN:0002

OFFER TERMS

50,000 Membership Rewards® Points To qualify for 50,000 Membership Rewards® 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 3 months of Card Membership starting from the date your account is approved. 50,000 Membership Rewards® 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. You can earn 50,000 Membership Rewards® points after you spend $1,000 or more in qualifying purchases on your Card within you first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $1,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). For questions regarding your Card account, please call the number on the back of your Card.

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

Airspace Lounge
This benefit is available to Platinum Card Members. 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 International Lounges
The Platinum Card Members have unlimited complimentary access to American Express Lounge locations. Guest access policies vary by location and are subject to change. Fees may apply for additional guests. To access American Express Lounges, the Platinum Card Member must present the agent with the following upon each visit: his or her valid Card and upon request, same-day airline ticket on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. The Platinum Card Members will not be compensated for changes in locations, rates or policies. American Express reserves the right to remove any person from a lounge for inappropriate behaviour or failure to adhere to lounge rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Amenities, services and hours of operation may vary among locations and are subject to change.

In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Age restrictions for the service of alcohol also vary between Lounges. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside American Express Lounges. Use of American Express Lounges is subject to the local rules and conditions set by American Express and the Lounge operator. American Express and the Lounge operator reserve the right to revise the rules at any time without notice. For details of individual American Express lounge access requirements please visit www.americanexpress.com/findalounge.

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, American Express® Corporate Gold Card, Corporate Platinum Card®, Corporate Centurion Card® from American Express, 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 and the Audience Rewards® American Express Card® issued by First Bankcard, a division of First National Bank of Omaha, pursuant to a license from American Express.
Tickets available through the American Express Preferred Seating program are available exclusively for qualifying Card Members at no additional cost. Tickets must be purchased with an eligible American Express Card. Standard service charges apply. Tickets are subject to availability and apply to select events. 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 proceed to purchase your ticket through any primary ticketing channel including online, mobile, phone or at an outlet or box office authorized for the event and provide the 10-digit Customer Service phone number located on the back of your Card when prompted. 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 inquiries will not be serviced on the U.S. 800 number listed above.

American Express Presale
During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. 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.

Amex Mobile app
The latest version of the Amex® Mobile app is available for iPhone® running iOS 8.0+ or AndroidTM phone running 4.4+ only.

Amex Mobile app
App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.
To log in, Card Members must have an American Express user ID and password. Enrollment is available in the app.

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® General Footnote
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.

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 no cost to you for services a concierge performs on your behalf, although you are responsible for any purchases, fees and/or shipping charges you authorize to be charged to your Card account. We reserve the right to note profile and preference data for servicing and marketing purposes. We are not responsible for notifying a restaurant of any food allergies when suggesting or making reservations at restaurants.

Cruise Privileges Program
Valid for new bookings of voyages of at least five nights made with a participating supplier through Platinum Travel Service, Centurion Travel Service, any American Express Travel office, eligible Travel Associate Platform agencies, or the Agency Services Desk. 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 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. Card Member must travel on itinerary booked. Benefits listed require double occupancy and are non-transferable. Program benefits may not be available to residents outside of the contiguous United States. Card Members receive $100 USD shipboard credit for inside and outside staterooms; $200 USD shipboard credit for balcony, verandah, and mini-suite staterooms; and $300 USD shipboard credit for suites on Norwegian Cruise Line, Holland America Line, Princess Cruises, and Royal Caribbean Cruise Line. Card Members receive $300 USD shipboard credit for all Queen Mary oceanview staterooms category ED or higher, and Queen Victoria/ Queen Elizabeth oceanview staterooms category FA or higher on Cunard Line. Card Members receive $300 USD shipboard credit for all stateroom categories on Ama Waterways, Oceania, Regent, Azamara, Seabourn, Crystal, Silversea, Uniworld, and Windstar. Centurion Members receive an additional $200 ($500 total) USD shipboard credit on Crystal Cruises, Regent Seven Seas Cruises, Seabourn, and Silversea. All shipboard credits will be credited to the guest's stateroom folio upon checkout. Shipboard credit amounts in international jurisdictions may vary due to foreign exchange rates and timing of application. Shipboard credits are subject to cruise line policies. 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. The Cruise Privileges Program benefits (shipboard credits and additional amenities) are not available on Crystal Cruises Yacht Cruises. Additional amenity not available on the Silversea Expedition Fleet: Silver Explorer, Silver Galapagos, and Silver Discoverer. 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.

Get one (1) extra point on each dollar of eligible purchases with American Express Travel and eligible Travel Associate Platform agencies; separate airfare and other charges associated with booking are not eligible. Payment must be made with a Membership Rewards® program-enrolled Consumer or OPEN American Express Card in the U.S. Platinum Card or U.S. Centurion Member's name. The extra points will be credited to Card Member's Membership Rewards account 6-8 weeks after full payment. Bonus ID: 3847

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

For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclub.

Destination Family
Valid for new bookings made through American Express Travel and eligible Travel Associate Platform agencies with participating travel providers: Abercrombie & Kent, Royal Caribbean International, Regent Seven Seas Cruises, Tauck World Discovery, and Travel Impressions. Benefit varies by provider. Payment must be made with an American Express Card. Program benefits may not be available to residents outside of the contiguous United States. 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, non-prepaid hotels, and FINE HOTELS & RESORTS bookings, booked through amextravel.com on your Membership Rewards program-enrolled American Express® Card. To earn 2X points on each dollar of eligible purchases, you must charge air, prepaid hotel, including The Hotel Collection prepaid bookings, vacation packages (flight + hotel 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 cover through redemption of Membership Rewards points is not eligible to receive points. Bonus ID A2EM (Air, Hotel, and vacation packages); Bonus ID 5432 (Cruise). When we calculate the extra points benefit for Amex EveryDay Card products, points awarded under this offer will not be included. 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 Terms
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.

Entertainment Access® or Membership Experiences
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. 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.

Fee Credit for Global Entry or TSA Pre✓
The benefit is available to (i) Corporate Gold Card Members, (ii) Consumer Platinum Card® Members, Corporate Platinum Card® Members and Business Platinum Card® Members, and (iii) Centurion® Card Members. The benefit is also available to Additional Card Members on eligible Consumer and Business Card accounts.To receive the statement credit, Additional Card Members must charge the application fee to the eligible Additional Card account. Card Members are eligible to receive one (1) statement credit every five (5) years for the application fee for either Global Entry or TSA Pre✓ when charged to an eligible Card. Card Members will receive a statement credit for the first program (either Global Entry or TSA Pre✓ ) to which they apply and pay for with their eligible Card regardless of whether they are approved for Global Entry or TSA Pre✓. However, Card Members can receive no more than one $85 credit or $100 credit, depending on which program the Card Member first applies for, every 5 years for an application fee charged to an eligible Card. American Express has no control over the application and/or approval process for Global Entry or TSA Pre✓, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA Pre✓ Programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA Pre✔) charge an application fee to process each respective application regardless of whether the Card Member's application is approved. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA Pre✓) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within five (5) years, even if the original application is rejected.

Membership for Global Entry or TSA Pre✓ is per person, and a separate application must be completed for each individual.

For additional information on the Global Entry or TSA Pre✓ programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.globalentry.gov for Global Entry and www.tsa.gov for TSA Pre✓. The Global Entry or TSA Pre✓ programs are subject to change, and American Express has no control over those changes.

The statement credit benefit applies to the Global Entry or TSA Pre✔ programs only. Other program applications including, but not limited to, NEXUS, SENTRI, and Privium are not eligible for the statement credit benefit.

Please allow 6-8 weeks after the qualifying Global Entry or TSA Pre✓ transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. Card Members are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.

Global Entry Fee Credit Option:
Global Entry is a CBP program that allows expedited clearance for pre-approved, low-risk international travelers upon arrival in the United States. Global Entry membership also includes access to the TSA Pre✓ program with no additional application or fee required. If a Card Member applies separately for TSA Pre✓ with the same eligible Card, the TSA Pre✓ application fee is not eligible for a statement credit.

To receive the $100 Global Entry statement credit, Card Members must pay for the $100 Global Entry application fee with an eligible Card. Additional Cards on eligible Consumer and Business accounts are also eligible for the $100 statement credit. To receive the statement credit, the Global Entry application fee must be charged on the eligible Additional Card. Global Entry members can opt-in to TSA Pre✔ by entering their Global Entry membership number (PASS ID) in the "Known Traveler Number" field each time a flight reservation is made on a participating airline. Alternatively, Card Members can add their Global Entry PASS ID to their frequent flyer profile(s) with the participating airline(s) and then ensure that their frequent flyer number is entered for each flight booking. If approved, membership into the Global Entry program is valid for 5 years and subject to the program's terms and conditions.

TSA Pre✔TM Fee Credit Option:
TSA Pre✓ is an intelligence-driven risk based program managed by TSA that allows low-risk travelers to experience faster, more efficient screening at participating U.S. airport checkpoints for domestic and international travel. The TSA Pre✓ application program is a DHS Trusted Traveler program. TSA began accepting TSA Pre✓ applications on Wednesday, Dec. 4, 2013. Enrolling in TSA Pre✓ does not guarantee selection for expedited screening each time a passenger travels.

To receive the $85 TSA Pre✓ statement credit, Card Members must pay for the $85 TSA Pre✓ application fee with an eligible Card. Additional Cards on eligible Consumer and Business Card accounts are also eligible for the $85 statement credit. To receive the statement credit, the TSA Pre✓ application fee must be charged on the eligible Additional Card. If approved, Membership into the TSA Pre✓ program is valid for 5 years and subject to the program's terms and conditions.

FINE HOTELS & RESORTS program benefit T&Cs
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 Platinum Card Member's or Centurion® Member's name. Available for Platinum Charge Card Members and Centurion® Members only, and excludes Platinum Credit Card Members such as Platinum Delta SkyMiles® Card Members who are not also 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. Breakfast amenity varies by property, but will be, at a minimum, a continental breakfast. Complimentary In-Room Wi-Fi is provided, with the exception of explora Patagonia where In-Room Wi-Fi is not available. In this instance, complimentary Wi-Fi will be provided in a common space on property. In the case where a Property includes cost of Wi-Fi in a mandatory resort fee, the Card Member will receive a daily credit from the Property in the standard amount that the Property charges for Wi-Fi. The credit will be issued on the Card Members final statement upon check-out. Benefit restrictions vary by FINE HOTELS & RESORTS property and cannot be redeemed for cash, and may not be combined with other offers unless indicated. Advance reservations are recommended for services such as spa, dining or golf in order to take advantage of the FINE HOTELS & RESORTS special amenity during your stay. 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.

Gold Card Destinations
Valid for new bookings of a vacation package of at least $3,000 made through American Express Travel and eligible Travel Associate Platform agencies. Payment must be made with an American Express Card in U.S. Consumer Gold Card Member, Platinum Card Member or Centurion member's name. Program benefits may not be available to residents outside of the contiguous United States. 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.

Hilton HHonors Gold Status Enrollment
As a Platinum Card Member you are eligible to enroll in complimentary Hilton HHonors Gold status. Offer available only to Platinum Card Members and is not transferable. Full details of Gold status can be found at hhonors.com/memberbenefits and is subject to change by Hilton. Gold status benefits are subject to availability at participating hotels and resorts within the Hilton Portfolio. Once you request enrollment in the Hilton HHonors program, American Express will share your enrollment information with Hilton. Hilton may use this information in accordance with its privacy policy available at hhonors.com/privacypolicy. If you already have Hilton HHonors Gold status, you can maintain the benefit in the future because you do not need to meet any stay requirements. You maintain Gold status without meeting otherwise required criteria only while an eligible Card Member or until American Express notifies you that the benefit is terminated. Hilton HHonors membership, earning of Points & Miles when booking direct and redemption of Points are subject to HHonors Terms and Conditions. Visit hhonors.com/terms for more details. ©2016 Hilton Worldwide

International Airline Program
The savings applies to the base fare of the ticket for the companion only. Companion ticket subject to government imposed taxes/fees and airline-imposed fuel/ security surcharges and fees of no more than $2,500 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 minimum of one thousand and 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.

Lowest Hotel Rates Guarantee
If you book a qualifying prepaid hotel rate on amextravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we'll refund you the difference. Your claim must be submitted prior to cancellation and/or change fees coming into effect per the hotel's policies specific to the room you booked on amextravel.com. As an example, if a room rate is subject to cancellation fees starting 72 hours before check-in, the claim must be submitted prior to that time. The "Lowest Rate Guaranteed" policy applies only to online rates available to the general public and excludes (1) non-refundable rates (2) rates or discounts that are not available to the general public, including, but not limited to, corporate, group, charter, meeting/convention, AAA, government/military, and senior citizen rates/discounts; or (3) hotel rooms booked through or in combination with frequent stay, loyalty, points, coupon promotions, rooms won through contests or sweepstakes or transferred, or rooms booked on opaque websites that do not allow you to see the name of the hotel until your reservation is complete, and (4) rates booked through the FINE HOTELS & RESORTS program. Details

Membership Rewards® Pay With Points
To use Pay with Points, you must charge your eligible purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Eligible purchases exclude car reservations, non-prepaid hotels, and FINE HOTELS & RESORTS bookings. 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 the 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.

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

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

Membership Rewards® Program - Transfer Points (Domestic Airlines)
Enrollment in a participating Frequent Flyer program is required. Airline tickets are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. We may offer you the option to redeem points to cover this fee.

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

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.

Platinum Destinations® Vacations
Valid only for new bookings of qualifying vacation packages made with a participating vacation supplier through Platinum Travel Service, Centurion Travel Service, any American Express Travel office or the Agency Services Desk. May not be combined with other offers unless indicated. Payment must be made in full with a Membership Rewards® program-enrolled Consumer or OPEN 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. Program benefits may not be available to residents outside of the contiguous United States. Card Member must travel on itinerary booked to receive the extra Membership Rewards points. If booking through a travel agency, travel agent must visit americanexpress.com/asdonline to obtain extra points for the Card Member. Participating vacation suppliers and benefits subject to change. Get one (1) extra point per eligible dollar of spend on qualifying vacation packages, after you pay in full for the package; separate airfare and other charges associated with booking are not eligible. Extra points will be credited to Card Member's Membership Rewards account within 6-8 weeks after full payment by Card Member of the qualifying vacation package. See membershiprewards.com/terms for Membership Rewards program terms and conditions. Bonus ID: A8N5.

Platinum Dining® Program
Reservations are based on a first come, first serve basis. In the event of a reservation cancellation, the Card Member will be subject to the restaurant's cancellation policy, which will be communicated to the Card Member by Concierge at the time of booking.

Platinum Villas
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. Limit one benefit package per reservation. May not be combined with other offers unless indicated. Participating providers and benefits subject to change. Prices shown are land-only, subject to availability, may vary by season and number of guests and views, and do not include taxes or gratuities.

Premium Global Assist® Hotline
While 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 may provide emergency medical transportation assistance at no cost 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 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 50 United States, the District of Columbia, 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. Lockout service may be unavailable for vehicles with transponder keys. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 855-431-1156 or see americanexpress.com/RAterms.

Priority Pass Select
These Terms and Conditions govern Platinum Card Members' participation in and use of the Priority Pass 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. 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 based on the date of purchase. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in the original purchase condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico, the U.S. Virgin Islands, American Samoa, Federated States of Micronesia, Marshall Islands, Palau, Guam and Northern Mariana Islands. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

Seller of Travel
American Express Travel Related Services Company, Inc.,when acting solely as a sales agent for travel suppliers, is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/travelterms
California CST#1022318, Washington UBI#600-469-694, Iowa TA#669.

Shop with Points at Amazon.com
In order to redeem Membership Rewards® program points for purchases made on www.Amazon.com you must complete the Shop with Points registration process and agree to the following terms and conditions. Registration is limited to American Express® Card accounts ("Card") enrolled in the Membership Rewards program ("Program"), that are active and in good standing. Your Membership Rewards program account("Account") will be linked to your Amazon.com account using the Card you selected. American Express Travel Related Services Company, Inc. and its affiliates("American Express") may provide Amazon Services LLC and/or its affiliates("Amazon") with information about your Account. Additional Membership Rewards program terms and conditions apply and are available at membershiprewards.com/terms. American Express will debit the number of points that you elected to redeem for your purchase from your Account. Your Account points balance may not reflect redemptions for pending purchase transactions until the purchase has been shipped. Amazon.com's terms and conditions apply.

ShopRunner
ShopRunner Benefit Terms and Conditions

Enrolling in the Benefit.

To get the free ShopRunner membership benefit compliments of American Express (the "benefit"), you must go to www.shoprunner.com/americanexpress and verify your eligibility for the benefit with an eligible Card account number and then complete the sign up for a ShopRunner membership account ("ShopRunner account"). For details on how the ShopRunner membership works, please see the ShopRunner Terms and Conditions at https://www.shoprunner.com/terms/sr/ which govern the use of your ShopRunner membership benefit.

You may also be able to enroll in this benefit through access provided to ShopRunner at participating online stores or through an email provided by American Express if it has determined that you have an eligible Card.

An "eligible Card" means an American Express U.S. Consumer or Small Business Credit or Charge Card that is not cancelled and that is issued to you by a U.S. banking subsidiary of American Express. Prepaid Cards and products, American Express Corporate Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible. ShopRunner will verify with American Express the eligibility of your Credit or Charge Card account number for the benefit.

Maintaining the Benefit.

To maintain this benefit on your ShopRunner account, you must maintain an eligible Card. The benefit may be cancelled on your ShopRunner account if you do not have an eligible Card. You can maintain only one benefit per eligible Card.

During your enrollment in the benefit, ShopRunner and American Express will verify your benefit eligibility.

Treatment of Existing ShopRunner Memberships.

If you enroll in the benefit and sign up with an existing ShopRunner account, ShopRunner will cancel the term of your existing ShopRunner account.

If you paid a fee for any unused portion of the cancelled term of membership, ShopRunner will provide you with a pro rata refund for that portion in accordance with ShopRunner's refund policy. The refund will be processed within 2-4 weeks after enrollment and will be issued to the payment method you used to pay the fee.

If a portion of the cancelled term of membership was promotional or free, the free period will be cancelled by ShopRunner and forfeited by you. If you currently have a free or promotional membership on your ShopRunner account, you should consider whether to enroll in the benefit at this time.

General Terms.

An eligible Card can be used to verify eligibility for only one benefit enrollment. American Express may receive and use your personal data from ShopRunner, which may include personally identifiable information and credit card information, to determine eligibility and further develop features and services related to the benefit. American Express may send you emails regarding your enrollment in this benefit. Any information American Express collects from you or from ShopRunner shall be governed by the American Express Online Privacy Statement (https://www.americanexpress.com/privacy). American Express may change, modify, cancel, revoke, or terminate this benefit at any time.

You can review these Terms and Conditions at any time by visiting https://www.shoprunner.com/terms/amex/.

Spending 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 Cardmember 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 into 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 for the Additional Card Member(s) 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.

Starwood Preferred Guest Gold
As a Platinum Card® Member or Business Platinum Card® Member you are eligible to enroll in complimentary Starwood Preferred Guest® (SPG ®) Gold Preferred Guest status. Once you request enrollment within the Starwood Preferred Guest Program at Gold level, American Express will share your enrollment information with Starwood Hotels & Resorts Worldwide, Inc. ("Starwood"). Starwood may use this information in accordance with its privacy statement available at spg.com/privacy. You will maintain Gold Preferred Guest status without meeting otherwise required SPG Program criteria as long as you remain an eligible American Express Card Member or until American Express notifies you that the benefit is terminated. SPG member benefits are subject to change, availability and certain eligibility requirements. Reservations booked through third parties and online booking sources are not eligible. For complete SPG Program terms visit www.spg.com/terms. SPG program amenities may be combined with the FINE HOTELS & RESORTS program. Upgrades are based upon availability and will vary by property.

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

The Centurion
Platinum Card Members have unlimited complimentary access to all locations of The Centurion, including The Centurion Lounge and The Centurion Studio. Gold Card and Green Card Additional Cards on your Platinum Card account are not eligible for access. Card Members may bring immediate family (spouse or domestic partner and their children under 18) OR up to two (2) companions into The Centurion Lounge, and immediate family OR one (1) companion into The Centurion Studio. To access The Centurion Lounge or The Centurion Studio, the Card Member must present The Centurion agent with the following upon each visit: his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. Failure to present this documentation may result in access being denied. Card Members will not be compensated for changes in locations, rates or policies. A Card Member must be at least 18 years of age to enter without a parent or legal guardian. For locations with a self-service bar, the Card Member must be at least 21 years of age to enter without a parent or legal guardian. Must be at least 21 years of age to consume alcoholic beverages. Please drink responsibly. Card Members are allowed access to The Centurion Lounge or The Centurion Studio in all U.S. locations. American Express reserves the right to remove any person from the Lounge or Studio for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Access is subject to space availability. Hours may vary by location and are subject to change. Amenities vary among The Centurion locations and are subject to change. Services and amenities in the Lounge and Studio are complimentary, however you are responsible for any purchases and/or servicing charges you authorize our Member Services Professionals to perform on your behalf. Some American Express Cards are not eligible for all services provided by Member Services Desk. American Express will not be liable for any articles lost or stolen or damages suffered by the purchaser or visitor inside The Centurion Lounge or The Centurion Studio. Use of The Centurion Lounge or The Centurion Studio 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.
©2016 American Express Travel Related Services Company, Inc. All rights reserved

The Hotel Collection - New Program Terms and Conditions
The Hotel Collection: Valid for new bookings with participating providers of at least two consecutive nights made through Platinum Travel Service, Business Platinum Travel Service, Centurion Travel Service, amextravel.com or any American Express Travel location. Available only for the following U.S. American Express Card Members: Consumer and Business Gold Card Members, and Business Gold Rewards Card Members, Consumer and Business Platinum Card ® Members and Consumer and Business Centurion® Members ("Eligible Card Members"). The term "Eligible Card Members" does not include Gold and Platinum Credit Card Members such as Gold Delta SkyMiles® Card Members. Payment must be made in full with an American Express Card in the Eligible Card Member's name. Eligible Card Member must travel on itinerary booked. Eligible Card Member will receive hotel credit upon checkout equal to $1 for each eligible dollar spent, up to $75, which amount will be credited upon check-out based on qualifying charges made by the Eligible Card Member excluding charges for taxes, gratuities, fees and cost of room. Additional exclusions based on specific hotel restrictions may also apply (including without limitation purchases within the hotel that are unaffiliated and/or owned by third parties) - see applicable hotel front desk for details. Credit cannot be carried over to another stay, is not redeemable for cash and expires at check-out. Credit is non-exchangeable and non-refundable and is applied in USD or equivalent in local currency based on exchange rate on day of arrival. May not be combined with other offers or programs unless indicated. Limit one credit per room, per stay. Room upgrade is based on availability and eligibility at check-in. Three-room limit per Eligible Card Member per stay; back-to-back stays within a 24-hour period at the same property are considered one stay. Hotel nightly rates vary by property, dates, room category and occupancy. Participating providers and benefits are subject to change. For bookings made on amextravel.com, eligible Card Members receive Double Points on each The Hotel Collection booking or can use Pay with Points. Double Points: To get 2X points on each dollar of eligible purchases, you must charge prepaid hotel through amextravel.com to your eligible, Membership Rewards program-enrolled American Express Card. Any portion of a charge that you elect to cover through redemption of Membership Rewards points is not eligible to earn points. Bonus ID A2EM; Extra points will be credited to the Membership Rewards account 10-12 weeks after final booking payment is made. If you cancel a Hotel Collection booking paid for with your American Express Membership Rewards enrolled Card account, the reversal of this charge will cause a corresponding deduction of points from your program account. 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. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners, and available rewards are subject to change without notice. The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

Using Points for Charges
Using Points for Your Charges is only available to Basic Consumer and OPEN Card Members enrolled in the U.S. Membership Rewards® program. Additional Card Members, Authorized Additional Card Members, and Corporate Card Members are not eligible. Account managers and Rewards managers may be eligible to use points by calling the number on the back of your Card but are not eligible to use points online. All Linked Card Accounts must be in good standing. A minimum of 1,000 Membership Rewards points in your program Account is required and you may use Membership Rewards points only toward the entire amount of an eligible charge. American Express will present the eligible charges you can use points towards, and we may change which charges are eligible at any time without notice. American Express is under no obligation to make charges available for redemption using Membership Rewards points. For each transaction, points will be debited immediately from your Membership Rewards program Account and a credit will be issued to your Linked Card Account for the corresponding dollar amount within 48 hours. Credits processed after the Card Account's statement closing date will appear in the following billing period. You are responsible for payment of the amount due on your Card Account by the due date even after using this feature. To learn about this feature and redeem points online, visit membershiprewards.com/yourcharges.

Year-End Summary
The Online Year-End Summary, available each January, 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 and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000100. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, or bus) with your eligible Card. Entire Fare means the cost of the full fare for a Covered Trip on a Common Carrier. You can use your Basic or Additional Card Member's American Express Card, American Express Membership Rewards® Points or a combination of both for the entire fare. But if you use another form of payment or frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For 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 and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company. Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle. This 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 on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. 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 and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer's warranty is less than one year, and we provide one additional year if the original manufacturer's warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

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

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

Please wait while we process your application

Please wait a moment
Please wait a moment