Card Accounts
Business Accounts
Other Accounts
Personal Cards
Business Credit Cards
Corporate Programs
Personal Travel
Travel Inspiration
Business Travel
Membership Rewards
Card Rewards and Benefits
Cash Back
Business Solutions
Funding and Payment Products
Other Business Solutions
Explore this Membership Guide to learn more about the offers, benefits, tools, and resources available exclusively to Card Members.
Amex Offers
With Amex Offers you can earn rewards on qualifying purchases. Simply browse offers and add them to your eligible Card.
‡Terms apply.
Refer a Friend
Share the benefits of card membership. Refer friends or family for an American Express Card and you can earn rewards if they're approved.
‡For eligible Card Members only. Terms apply.
Get More From Our Partners
Get access to new and exciting offers from the latest brands, available to you just for being a US American Express Card Member.
Terms apply.
These resources are here to help you manage your spending, payments, and account settings. And, don’t forget about the full suite of digital tools available right at your fingertips.
Your Spending Report
Keep an eye on your spending. Track your spending habits and interact with charts that show your spending over time, top merchants, and top categories. You can even save or print Your Spending Report for your records.
Contactless Payments
With contactless payments‡ you can make secure payments in store and online. In store, hold your contactless Card or device near the terminal to check out. You can also check out online using your digital wallet and avoid having to enter your Card or shipping details.
Add a Card Member
Share all the benefits and privileges of an American Express membership with those closest to you. Add a Supplementary Card member to your Account to discover experiences and make memories together, all while adding up on rewards.
‡Terms apply.
Go Paperless
Sign up for paperless delivery and we'll send you an email when your monthly statements are available. Plus, you'll receive an email reminder before your payment is due in addition to other communications and alerts.
Download the American Express® App‡
Manage your account with greater control and speed using the Amex App. Check your balance, add offers to your Card, chat with human enabled support 24/7, and explore flexible payment options.
Send & Split
Now with Amex Send & Split™, you can send money and split purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
‡Terms apply.
Credit Intel
Credit Intel is a go-to destination to learn about managing your personal finances. Get tips on building credit, saving and budgeting, maximizing your credit cards, and planning for major life milestones.
Get Your Free Credit Score
We believe everyone should know their credit score and have the tools to understand it better. MyCredit Guide‡ offers you tools and information to help you take charge of your credit. Sign up for MyCredit Guide at no charge to see your detailed TransUnion credit report, get alerts on your score, and use the credit score simulator.
American Express® High Yield Savings Account
With a High Yield Savings account, you get the value, convenience, and security you trust from American Express. Plus, there is no minimum opening deposit, no monthly fees, and it’s FDIC insured.
‡Terms apply.
Your Card may have additional benefits not listed above. If you have purchased additional benefits, please call the number on the back of your Card for more information. Benefit coverage and eligibility may vary for Additional Card Members.
¹ Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions.
Purchase Protection
Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6498.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms 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.
Amex Offers
Eligible Card Members can redeem an Amex Offer by first enrolling in the offer in their online account or in the American Express® App and then using their enrolled Card to pay. Only U.S.-issued American Express Consumer and Business Cards and registered American Express Serve® and Bluebird cards may be eligible. We may consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your eligibility to access Amex Offers. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers program, or any other Amex program. Available offers may vary for each eligible Card Member. Please review the terms of each offer for details on how to redeem. For full Program Terms, visit https://www.amexoffers.com/partnerterms
Contactless Payments
Contactless payments are accepted at participating merchants only.
American Express Experiences
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members. Tickets must be purchased with an American Express Card. 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.
MGM Referral Program & Offer Terms
Eligibility.
This program is available online only to Basic Card Members. In order to receive a Referral Bonus, you must satisfy these Referral Offer and Program Terms and your Card account must not be canceled or past due on the date the Referral Bonus would post to your account and when you have qualified to receive the Referral Bonus.
Referral Bonuses.
Program Restrictions.
Friends, Families and Acquaintances Only
Referring By Email
Please note, when using the email tool we provide:
Program Violations – Bonus Forfeiture, Termination
Additional Terms
Changes to the Program or these Terms
We will indicate that changes have been made by updating the “Last Updated;” date located above at the beginning of these terms and conditions. If you do not accept any such changes, your sole and exclusive remedy is to cease participation in the program.
Additional Card Membership Terms
View the full Card Member Agreement.
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.
Additional Card Members must be at least 13 years of age and never had a defaulted account with American Express.
American Express® App
iOS and Android only. See app store listings for operating system information.
Amex Send & Split
Amex Send & Split™ (“Send & Split”) is only available in the American Express® App (“Amex App”) to Card Members with an eligible Card. Eligible Cards are US-issued Basic Consumer Cards that are issued by American Express National Bank and are not cancelled. Prepaid Cards, American Express Corporate Cards, American Express Small Business Cards, American Express-branded cards or account numbers issued by other financial institutions and American Express Cards issued outside of the United States are not eligible Cards. To use Send & Split, you must first have an email address on file, enroll in Send & Split in your American Express Online Account (“Online Account”) and open an Amex Send™ stored balance account in the Amex App (“Send Account”). Send & Split allows you to: (i) send a person-to-person payment from your Send Account to Venmo and PayPal users (“Send”) and (ii) split a Card purchase (“Split”) and receive funds to your Card account as a statement credit or to your linked Venmo or PayPal account. You may use Send & Split with an Additional consumer Card that is issued in the US by American Express National Bank and is not cancelled if you also have an eligible Card in the same Online Account and that Online Account is enrolled in Send & Split. You must have or create an account with Venmo or PayPal and link your Online Account to your PayPal or Venmo account to use Send & Split. You must add money to your Send Account from your eligible Card(s) to Send to a Venmo or PayPal recipient. The money you add will be reflected in your Send Account balance. The charge on your Card for an Add Money transaction does not earn rewards and is subject to the Card’s purchase APR. Once the Send from your Send Account is available in the recipient’s Venmo or PayPal account, you do not have the ability to cancel the transaction. There is no fee to Send to US recipients. PayPal charges a fee to Send to non-US recipients. With Split, you can split pending or posted purchases that are made with your eligible Card in your Amex App. Once you select a purchase to Split, select the contacts you want to request to Split with. You can choose to get paid back as a statement credit to your Card account (a Split credit) or to your linked Venmo or PayPal account. Split credits to your Card account apply when we receive confirmation that the Split request was completed but may take 24-36 hours to post to your Card account. You are still responsible to pay the full purchase amount charged to your Card, regardless of whether you are paid back via Split. You earn rewards for purchases that you split in the same way that you earn rewards for other purchases. Other eligibility and restrictions apply. For complete details visit americanexpress.com/sendandsplitterms to view Terms & Conditions. Send Account issued by American Express National Bank.
American Express Savings Accounts offered by American Express National Bank, Member FDIC
The Annual Percentage Yield (APY) as advertised is accurate as of January 21, 2021. Interest rate and APY are subject to change at any time without notice before and after a High Yield Savings account is opened.
The national average APY is accurate as of January 21, 2021, as published in the FDIC's Weekly National Rates and RateCaps; average rate used is for deposits under $100,000.
FDIC insurance limit is $250,000 per depositor, per insured bank, per ownership category.
You may make up to nine withdrawals or transfers out of your High Yield Savings account during a monthly statement cycle. Please see our website for details.
MyCredlt Guide
Click here for full program terms.