Priority Pass™

You must be at least 18 years old to enroll as a Member of the Priority Pass program. These Terms and Conditions govern American Express® Gold Card Members' participation in and use of the Priority Pass™ program. Priority Pass™ is an independent airport lounge access program. You will receive two (2) visits to a Priority Pass™ lounge per year at no charge which you may use for yourself or a guest. Some lounges do not admit guests. By enrolling in Priority Pass™, you agree that you will be responsible for any additional visits beyond the two per year at no charge and that your Card will be automatically charged after the additional visits have 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™ program and may use this information for marketing related to the program. Once enrolled, as long as your Gold Card account is not cancelled, you may access participating Priority Pass™ lounges by presenting your Priority Pass™ Card and airline boarding pass. In some lounges, Priority Pass™ member must be 21 years of age to enter without a parent or guardian. Priority Pass™ 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™ lounge partners and locations are subject to change. All Priority Pass™ 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 enrolment information, Priority Pass™ will send your Priority Pass™ Card and membership package which you should receive within 2-4 weeks. If you have not received the Priority Pass card after 4 weeks, please contact American Express using the number on the back of your American Express® Card. To receive immediate access to the lounges after enrolling in Priority Pass, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.

Travel Accident Insurance

Travel Accident Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, The Corporate Center Calle Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of policy BDA002 and is subject to change with notice. This document does not supplement or replace the policy. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits.

Car Rental Loss and Damage

Car Rental Loss and Damage Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, The Corporate Center, Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3775 and is subject to change with notice. This document does not supplement or replace the policy. Certain restrictions apply. Card Member should not accept the insurance CDW offered by the rental company. Some vehicles are not covered. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. Gold Card Members are insured internationally, except for vehicles rented in Australia, Ireland, Italy, Israel, Jamaica and New Zealand. No cover is provided for auto rental for a Card Member within their country of official residence.

Travel Inconvenience

The Travel Inconvenience Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, The Corporate Center Resolución #33, Suite 500, San Juan, Puerto Rico 00920. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3765 and is subject to change with notice. This document does not supplement or replace the policy.

Baggage Assistance

This service is subject to the Terms, Conditions and Exclusions of AXA Assistance USA, Inc. This service is not available for residents of the United States, Puerto Rico or the US Virgin Islands. See your Card Member agreement for more information. This services is not insurance. Service may not be available in countries where the US Department of State has current travel warning issued or in countries where the US Department of the Treasury’s Office of Foreign Assets Control (OFAC) has active economic or trade sanctions or that are subject to other applicable trade or economic sanctions, laws and regulations. The Card Member should consider the restrictions on services related to international laws on sanctions before planning the trip. Additionally, no services will be available in any country or territory where the existing infrastructure is deemed inadequate by AXA to guarantee service. Should the Card Member have doubt about the availability of service at their intended travel destination, they may contact AXA at Toll free +1(800) 575-3311 in the U.S.A. or Call collect +1(312)-935-3672 from any other locations worldwide.
Important restriction and limitations apply. Please check important Terms and Conditions. (www.americanexpress.com/idc/nac_gold_2022/).

Membership Rewards®

Terms and Conditions of the Membership Rewards® program apply. Visit www.membershiprewardslac.com or call 1-800-297-3276 for more information. Participating partners and available rewards are subject to change without prior 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.

Enrollment in a participating Frequent Flyer program is required. Airlines tickets are subject to availability.

IMPORTANT INFORMATION: The descriptions of the insurance related benefits available on your American Express Gold Card are for information purposes. All the provisions of the coverage are contained in the Certificates of Insurance. All insurance coverage is subject to the terms and conditions of the respective master policies. A Certificate of Insurance with full details of the coverage can be located on this page

Travel Accident Insurance

Travel Accident Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, The Corporate Center Calle Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of policy BDA002 and is subject to change with notice. This document does not supplement or replace the policy. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits.

Car Rental Loss and Damage

Car Rental Loss and Damage Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, The Corporate Center, Resolución #33, Suite 500, San Juan, Puerto Rico 00920. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3775 and is subject to change with notice. This document does not supplement or replace the policy. Certain restrictions apply. Card Member should not accept the insurance CDW offered by the rental company. Some vehicles are not covered. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. Gold Card Members are insured internationally, except for vehicles rented in Australia, Ireland, Italy, Israel, Jamaica and New Zealand. No cover is provided for auto rental for a Card Member within their country of official residence.

Travel Inconvenience

The Travel Inconvenience Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, The Corporate Center Resolución #33, Suite 500, San Juan, Puerto Rico 00920. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3765 and is subject to change with notice. This document does not supplement or replace the policy.

Baggage Assistance

This service is subject to the Terms, Conditions and Exclusions of AXA Assistance USA, Inc. This service is not available for residents of the United States, Puerto Rico or the US Virgin Islands. See your Card Member agreement for more information. This services is not insurance. Service may not be available in countries where the US Department of State has current travel warning issued or in countries where the US Department of the Treasury’s Office of Foreign Assets Control (OFAC) has active economic or trade sanctions or that are subject to other applicable trade or economic sanctions, laws and regulations. The Card Member should consider the restrictions on services related to international laws on sanctions before planning the trip. Additionally, no services will be available in any country or territory where the existing infrastructure is deemed inadequate by AXA to guarantee service. Should the Card Member have doubt about the availability of service at their intended travel destination, they may contact AXA at Toll free +1(800) 575-3311 in the U.S.A. or Call collect +1(312)-935-3672 from any other locations worldwide.
Important restriction and limitations apply. Please check important Terms and Conditions. (www.americanexpress.com/idc/nac_gold_2022/).

Purchase Protection

Purchase Protection Plan is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3761 and is subject to change with notice. Covers items purchased solely for personal use; that are new, have not been used, and are not excluded. Coverage up to US$1,000 for any one Covered Incident and up to US$50,000 for all Covered Incidents during a calendar year. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. This document does not supplement or replace the policy.

Extended Warranty

Extended Warranty Program is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3763 and is subject to change with notice. Covers up to US$1,000 per covered product up to US$50,000 in a calendar year. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. This document does not supplement or replace the policy. Covered Territory means the 50 States of the United States of America, District of Columbia, Commonwealth of Puerto Rico and the Virgin Islands of the United States.

Ticketmaster

For terms and conditions please visit : http://www.ticketmaster.com/h/terms.html?tm_link=tm_i_terms

Purchase Protection

Purchase Protection Plan is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3761 and is subject to change with notice. Covers items purchased solely for personal use; that are new, have not been used, and are not excluded. Coverage up to US$1,000 for any one Covered Incident and up to US$50,000 for all Covered Incidents during a calendar year. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. This document does not supplement or replace the policy.

Extended Warranty

Extended Warranty Program is underwritten by Indemnity Insurance Company of North America Administrative Office, The Corporate Center 33 Resolución Street, Suite 500 San Juan, Puerto Rico 00920-2707. Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3763 and is subject to change with notice. Covers up to US$1,000 per covered product up to US$50,000 in a calendar year. If other insurance is available to You which provides the same or similar coverage as that provided by this Plan, this Plan becomes excess and you will be paid only that portion of the Covered Incident benefit which is not reimbursed by other insurance up to Our limits. This document does not supplement or replace the policy. Covered Territory means the 50 States of the United States of America, District of Columbia, Commonwealth of Puerto Rico and the Virgin Islands of the United States.

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.

Express Cash

Enrollment in Express Cash is required. When you withdraw cash at an ATM, your bank account will be debited the amount of the withdrawal (inclusive of any ATM operator or network fees) plus a fee of 3% of the total amount of your transaction or US$5, whichever is greater. There may be a delay between the date of your cash withdrawal and the date that the total amount of your transaction, including applicable fees, is debited from your designated bank account. Please ensure that your designated bank account has sufficient funds to cover the amount of your transaction, including applicable fees. If a transaction is not honored by your bank for any reason, we will charge the amount of the transaction, including applicable fees, as well as an additional fee of US$38, to your Card account. American Express will impose limits on the amount of each cash withdrawal. Your bank or the ATM owner may also charge additional fees, including ATM and overdraft fees, and may impose its own limits on the amount of each cash withdrawal. By using Express Cash, you are indicating your acceptance of the terms of the Electronic Fund Transfer agreement, which is provided to you when you receive your Card. You will be provided with an additional copy if you enroll in Express Cash, and otherwise upon request. For additional information about this feature, please call 1-800-CASH-NOW.