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Frequently Asked Questions

American Express Reward Cards for Business Customers

Does the American Express Reward Card expire?

The funds on the American Express Reward Card do not expire. However, the plastic card has a “Valid Thru” date used by merchants for security verification and authorization purposes. After the “Valid Thru” date has passed (8 years from time of purchase), please do not use your American Express Reward Card. Instead, call Customer Service (1‑800‑505‑6849) to obtain a replacement card loaded with the current unused Available Balance. You will not be charged any fees for getting a replacement card. See the American Express Reward Card Cardholder Agreement for more details.

Do American Express Reward Card funds expire when the plastic expires?

The funds on the American Express Reward Card do not expire. A $2.50 monthly service fee will be assessed against the card balance starting 13 months (1st day after the completion of 12 months) after card issuance. If the balance is less than $2.50, then the remaining balance will be assessed. If we send you a replacement card, we shall still begin deducting service fees from your Reward Card 13 months from the date your original card was issued.

How do I know whether to choose the American Express Reward Card or the American Express Gift Card?

The American Express Reward Card typically has a lower upfront purchase fee. However, a service fee of $2.50 starts on the 13th month after issuance, so if your plans are to use the cards right away the Reward Card may be the best solution for your needs.

The American Express Gift Card is an excellent solution if you plan to use the card(s) over an undetermined length of time, thus avoiding the possibility of having the balance of the card subject to monthly fees after 12 months.

How much does the American Express Business Reward Card cost?

There are many factors that can determine the final cost, including program volume, logo requirements & fulfillment options. The chart below shows standard prices for bulk orders through our B2B Concierge:

# of Cards Card Fee
1 – 100 $2.50
101 – 500 $2.00
Over 500 $1.50
*** All orders are subject to applicable taxes and shipping and are subject to change.
# of Cards Shipping Fee
1 – 100 $20
101 – 200 $40
201 – 300 $60
301 – 400 $80
Over 400 $100

Where can American Express Reward Cards be used?

The American Express Reward Card can be used virtually everywhere American Express Cards are accepted in Canada and the U.S. with some exceptions, such as casinos, cruise lines, car rental and recurring billing. You may also call Customer Service for more information at 1-800-505-6849. Some usage restrictions apply. See the American Express Reward Card Cardholder Agreement for more details.

Do American Express Reward Cards have cash access and are they reloadable?

No. There is no cash access to funds on American Express Reward Cards and funds cannot be withdrawn from ATMs. Also, the cards are not reloadable.

How can I order American Express Reward Cards?

Contact our B2B Concierge team at 1-800-919-2818 or email

Avoid Card Declines

Always know your Gift Card balance and tell it to the cashier before you pay.

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