American Express Cardmembers enjoy a wide range of benefits and services, including: No Pre-Set Spending Limit There is no pre-set spending limit set in advance, giving Cardmembers greater freedom to spend where and when they want when using the Card. Spending approval is based on the Cardmember's spending pattern, payment history and personal resources. The American Express Card is a charge card and Cardmembers are required to settle the account in full each month. Accepted All Over the World The Card provides Cardmembers with instant recognition and a warm welcome at thousands of service establishments in China and millions around the world, with new establishments being added every day. The Card makes it easy to travel, shop for special occasions, and to dine for business or with friends. Lost Card Replacement Should the American Express Card be lost, damaged or stolen, we can normally get a replacement Card to the Cardmember by the end of next working day, anywhere in the world. Purchase Protection* Almost anything a Cardmember buys with the American Express Card is insured against theft or accidental damage for up to 100 days. * Subject to the Terms and Conditions of the Purchase Protection Plan. Travel Protection Each time a Cardmember or Supplementary Cardmember uses the American Express Card to purchase tickets for airlines, railways or other public carriers, the Cardmember, spouse and dependant children (under 23 years) are each automatically covered for up to US$110,000 of Travel Accident Insurance. The Cardmember will also enjoy valuable protection against travel inconveniences such as missed connections and flight delays. Worldwide Travel Service Locations American Express has 1,700 Travel Service Offices** around the world. Whether it’s travel information or currency exchange, our Travel Service Offices are there to provide assistance Cardmembers need in over 130 countries. ** Comprised of Travel Service locations of American Express Travel Related Services Company, Inc., its affiliates and representatives worldwide. Global Assist Should a Cardmember run into trouble while traveling, we can provide immediate advice, medical or legal referrals almost anywhere in the world, 24 hours a day. Simply call our Global Assist Hotline. Guaranteed Reservations Simply request an American Express Card Assured Reservation number when making hotel reservations and the room will be held for the Cardmember until normal check-out time the following day. Worldwide Cash Access Through the Express Cash Service***, Cardmembers can withdraw cash at over 1700 locations in Hong Kong, and more than 300,000 locations worldwide. *** A nominal fee plus withdrawal amount will be charged to Cardmember's Card account for each transaction Emergency Cheque Cashing In an emergency, Cardmembers can cash a personal cheque for up to US$800 in Travelers Cheques plus the equivalent of US$200 in local currency # at our Travel Service Offices. # Subject to cash availability and local foreign exchange regulations Membership Rewards By enrolling in Membership Rewards ##, every US$1 a Cardmember spends on the Card will earn one point. These points quickly add up as the Cardmember spends and can be redeemed for free travel, dining, shopping, entertainment and other great rewards. The Cardmember may also choose to transfer the points to our partner airlines' Frequent Flyer Programs for free flights and our Frequent Guest Program for free accommodation. ## This program is available for Cardmembers billed from Hong Kong, with the exception of certain countries. Online Services American Express Online Services gives Cardmembers 24-hour secure access to manage their Card Accounts online. Through the website, Cardmembers can check the Card account statement, change contact details, check Membership Rewards points, and many more. It is free and convenient.