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| Annual
Fee |
No
annual fee |
| Payment Flexibility |
It's all within your control - You've managed your financial life responsibly, but sometimes emergencies arise that you don't have control over. With payment flexibility you decide what you want to pay: the minimum payment, the total balance, or something in between. As long as you pay on or before the due date you will maintain your competitive interest rate and not have to worry about high interest charges on your balances. |
| Fee-Free Additional Cards |
Share the privileges of card membership - Add up to five Additional Cards to your account for family members, friends, or anyone you choose for no additional fee. Additional Cards carry the same benefits as yours, and you can earn points on each one. |
| Manage your Card account online |
Tools at your fingertips - Pay your bill or view up-to-date billing information including transactions, charges, and payments, and check your Membership Rewards1 account - all online, anytime, day or night. Learn More. |
| Pay bills with your card |
And earn rewards fast - Paying cable, phone bills and tolls can be tedious and time consuming. But you can save yourself the hassle by having them automatically billed to your Card. Just call us at the number listed on the back of your card and enroll in our Express Debit service and we'll have your bills charged to your Card, automatically. 2 |
| Account Alerts |
Keep track of your account - Get updates via e-mail, mobile phone, pager, or PDA that help you avoid late payments, manage your spending, stay current with your balance, and more - anytime and anywhere. Sign up |
| Dispute Resolution |
We're here for you - If you disagree with a charge on your statement and are unable to resolve the situation with the merchant, American Express will take responsibility for helping to resolve the dispute fairly. Some credit card companies require you to write a letter - with American Express all it takes is a phone call to get things started. Learn more |
| Emergency Card Replacement |
Offices and Professionals Around the World - If you lose your Card, we can usually get a new one to you within 24 hours. Call 1-800-964-8542 or visit one of over 2,200 Travel Services locations worldwide to request a new one. 3 |
| Fraud Protection Guarantee |
Shop with Confidence - You aren't responsible for any fraudulent charges by non authorized persons to your American Express Credit Card. So shop with confidence-online or off. No fine print, no deductible. Learn More |
Rewards
| The Membership Rewards Options® Program |
What stories will you tell . . . Included in the product at no additional charge upon enrollment you will earn one point for virtually every dollar you spend on your Card, and a wide variety of opportunities to earn additional bonus points. Points can be redeemed for incredible rewards from the finest names in travel, shopping, dining, and entertainment. Plus, points have no expiration date and there is no limit to how many you can earn. Explore selected highlights below.
Not enrolled in the yet? Call 1-800-555-4313 to enroll today.
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| Redeem Points with our Travel Partners |
Choose from over 50 partners - Transfer points to your frequent flyer or frequent hotel guest account, or redeem for a certificate with one of our partner airlines and hotels. See More |
| Check you Membership Rewards Options Points Balance4 |
Keeping Track - To view Membership Rewards Options points, your Card must be registered for Manage Your Card Account. To check your point balance and pending points, see recent redemptions, or get cash rewards, simply log in to the Point Summary area. You can also call the Membership Rewards Customer Service number at 1-800-AXP-EARN (297-3276), 7 am to 1 am, ET, seven days a week.
Log in to the Points Summary
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Fee Based
| Credit Protection Plan |
The Credit Protection Plan available to the American Express® Credit Card is a bundled coverage Life, Accidental Death, Dismemberment, Disability and Involuntary Unemployment program insuring credit card balances, up to $15,000. Payment will begin after the 30 days waiting period, retroactive to the first day of Disability or Unemployment. Disability and Involuntary Unemployment coverage only covers the primary Cardmember. The cost of the Credit Protection Plan is $0.87 per $100 of the monthly outstanding balance.
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| Credit Card Registry |
Credit Card Registry ensures a Card member's cards will be protected. The service will cancel and request replacements of any lost or stolen cards - all with a single call. This includes all cards, not just American Express cards. Fraudulent charges will be reimbursed up to $5,000 per loss incident and up to $25,000 per enrollment. |
1 Terms and Conditions for the Membership Rewards program apply. Visit www.americanexpress.com/rewards for full program Terms and Conditions. Participating partners and available rewards are subject to change without notice.
2 Terms and Conditions apply. Not all service providers are available. In some instances, it may take more than one billing cycle before initial paid amounts are posted to the Card account. Please remember to cancel these payments with your service provider if you close your Card account, and advise your service provider if your Card account number changes. If we do not have service provider available, contact them directly to inquire about Card payment.
3 Comprises Travel and Foreign Exchange locations of American Express. Not all services are available at all locations and all services are subject to local laws and cash availability.
4 Terms and Conditions for the Membership Rewards program apply. Visit www.americanexpress.com/rewards for full program Terms and Conditions. Participating partners and available rewards are subject to change without notice.
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