Membership Essentials
Discover the many ways American Express has your back.
View Your 2021 Spending Report
As you plan for the year ahead, take a moment to reflect on your 2021 spending trends and insights. Explore your spending over time, your top merchants, and your top categories. Plus, you can save or print Your Spending Report for your records.‡
Pay in monthly installments
with Plan It®‡
Plan It® is a payment option that lets you split up qualifying purchases of $100 or more into monthly installments with a fixed fee. A fixed monthly fee is shown upfront so you'll know exactly how much you’ll pay. Plus, you'll still earn rewards for the purchases you plan in the same way you do for other purchases.‡
HEALTHY LIVING & WELL-BEING
Reward your wellness routine with Amex Offers‡
Looking to commit to your healthy-living goals? Amex Offers can help you on eligible wellness purchases along the way. Simply login to your American Express account, add an offer to your eligible Card, and earn rewards on qualifying purchases. Terms apply.‡
Inspire tomorrow's leaders today.
Sign up at ustrive.com to be a virtual mentor for underserved students with Strive for College by December 31, 2022, and American Express will cover the $40 background check fee. Enrollment required. Terms apply.‡
RESOURCES
Rediscover the moments that matter most
Get inspired to explore, reconnect, and discover again by learning about the many ways that your American Express Card Membership can help you make the most of the journey ahead.
INSPIRATION
Explore winter vacation ideas to inspire your next getaway
Whether you're looking for fun in the sun or to hit the slopes, American Express Travel‡ is here to help. Get travel ideas for your next winter getaway.
RESTAURANT BOOKING
Get rewarded for your good taste
Eligible Membership Rewards® program-enrolled Card members can earn up to 4X Membership Rewards® points per dollar spent when you pay with your eligible Card at restaurants.‡
DINING recommendations
From Coast to Coast: Resy’s
Dining Guides
Wherever your travels will take you this winter, Resy is your guide. Explore curated itineraries at https://blog.resy.com/winter-travel/ to find beloved local restaurants in snowbird destinations, warm weather getaways, and more.
AMERICAN EXPRESS EXPERIENCES‡
Ticket Access & Event Benefits
Card Members can get access to presales and dedicated tickets to some of the most talked about events in sports, music, theater, and more. Enhance your experience with benefits like dedicated entrances, special offers, exclusive events, and more.‡
CARD BENEFITS
Explore a rewarding
and convenient way to shop
When you check out in store or online, you can find benefits to make your experience more rewarding when you use your Amex Card. With options to pay, ways to earn rewards and fraud protection on purchases, shopping is better with Amex.
Use points to level up your
self-care routine
Everything you need to treat yourself this year is here. Eligible Card members can use Membership Rewards® points to shop for all your wellness must-haves from top brands like lululemon, Sephora, and Vitamix on membershiprewards.com.‡
See all that you can expect when you’re with Amex
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.
Year-End Summary
The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.
Pay It®
Pay It® is only available in the American Express App® for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments.
Your account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Card account issued by a U.S. banking subsidiary of American Express that is not canceled, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible.
With Plan It®, you can create up to 10 active payment plans, each subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. You will be offered 1-3 plan duration options for the qualifying purchase. The plan duration options can vary based on a variety of factors such as the purchase amount, your account history and your creditworthiness. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your account.
To create a plan, select qualifying purchases of $100 or more and a plan duration. If you have a Card with a Credit Limit, you may also be able to select a qualifying amount of $100 or more and a plan duration. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. However, you may select only one qualifying purchase for each plan that you create in the American Express App. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) do not include purchases of cash or cash equivalents, purchases subject to Foreign Transaction Fees, or any fee owed to us, including Annual Membership fees. Unless you are creating a plan at checkout, please allow 2-3 days for your purchase to post to your account. Once your purchase posts and is no longer pending, you can create a plan for that purchase.
Your ability to create plans will be based on a variety of factors such as your creditworthiness, and your Credit Limit or Pay Over Time Limit, as applicable. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. You may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. You will not be able to create plans if your Pay Over Time feature is suspended or your Account is canceled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. The number and length of plan duration options offered to you, the number of active plans you can have at a time, and your ability to include multiple qualifying purchases in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history. After a plan is paid in full, it will be removed from your Account in the next billing period.
Plan It is available on Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Only the Basic Card Member or Authorized Account Managers on the Account can create a plan. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or Account numbers issued by other financial institutions are not eligible.
Strive for College Terms
In order to not incur a fee for your background check, you must enroll as a mentor through the link provided in the offer email. The waiver is not fulfilled as a statement credit and no statement credit will appear on your billing statement. American Express is not responsible for any background check fees incurred if enrolling through a different site other than the one provided. Offer expires 12/31/22. Note that American Express will not receive results of your background check or any personal information provided to Strive for College. All Strive for College Terms and Conditions apply to your participation in the Strive for College program.
Shop with Membership Rewards Points
When using points for products through membershiprewards.com you are purchasing directly from a merchant, not from American Express. Participating merchants determine (i) product prices and availability, (ii) offers, promotions and applicable restrictions, (iii) estimated shipping and (iv) estimated tax, all of which are subject to change at any time without notice and are only confirmed in the order confirmation email sent by the merchant.
For accounts that qualify, Membership Rewards® points will be deducted for the purchase, including estimated shipping/handling and applicable taxes. A debit for the purchase will be issued by the merchant, and a credit for the purchase, including estimated shipping/handling and applicable taxes, will be issued by American Express to the Card account that you have designated for purchasing products through membershiprewards.com. Please note: The debit and credit may not appear on the same billing statement. Card Members enrolled in the Membership Rewards program with any account that is canceled, past due or have a return payment outstanding are not eligible to redeem points.
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.
American Express Experiences (Virtual/Standing Only Events)
The American Express Experiences program is available to all Card Members unless otherwise stated. Simply pay with your American Express® Card when applicable. Tickets are subject to the rules, terms & conditions, and fees set by the ticket seller, event promoter and/or the venue, as applicable. Offer fulfilled by ticket seller, subject to availability and may be changed or revoked at any time. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.
American Express Preferred Seating
The American Express Preferred Seating program is exclusively available to eligible* Card Members.
Enter the 10-digit Customer Service phone number on the back of your eligible Card when prompted to purchase tickets online, on a mobile device, or over the phone. For limited events on Ticketmaster, connect your Card to your Ticketmaster account online, or on a mobile device, and provide your 15-digit Card Number when prompted.
*Preferred Seating is available to our U.S. Card Members with the following cards:
Platinum Card® or Centurion® Card from American Express, Business Platinum Card®, Business Centurion® Card from American Express, Corporate Platinum Card® or Corporate Centurion® Card from American Express, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, American Express® Gold Card, Classic Business Gold Card, Business Gold Card, Business Gold Rewards Card, American Express® Corporate Gold Card, the Executive Business Card, Hilton Honors American Express Surpass® Card, Hilton Honors Aspire Card, Marriott Bonvoy Brilliant™ American Express Card, or the Marriott Bonvoy™ American Express Card.
Tickets are subject to the rules, terms and conditions and fees set by the official ticket seller, event promoter and/or the venue, as applicable. Offer is fulfilled by official ticket seller, subject to availability and may be changed or revoked at any time. Not all seats available and blackout dates may apply. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.
American Express Presale(s)
American Express® Card Members have exclusive access to tickets before the general public for the specified sales window. Simply pay with your American Express® Card. Tickets are subject to the rules, terms & conditions, and fees set by the ticket seller, promoter and/or the venue, as applicable. Offer is fulfilled by ticket seller, subject to availability and may be changed or revoked at any time. Not all seats available and blackout dates may apply. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.
Alcohol Disclosure
Must be 21 years of age or older to consume alcoholic beverages. Please drink responsibly.
Seller of Travel
American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our travel consultants. For more information visit www.americanexpress.com/travelterms.
California CST#1022318; Washington UBI#600-469-694
Year-End Summary
The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.
Pay It®
Pay It® is only available in the American Express App® for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments.
Your account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Card account issued by a U.S. banking subsidiary of American Express that is not canceled, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or account numbers issued by other financial institutions are not eligible.
With Plan It®, you can create up to 10 active payment plans, each subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active. You will be offered 1-3 plan duration options for the qualifying purchase. The plan duration options can vary based on a variety of factors such as the purchase amount, your account history and your creditworthiness. If you are enrolled in an intro or promotional APR, you may see limited plan duration options during the intro or promotional period when you use Plan It on your account.
To create a plan, select qualifying purchases of $100 or more and a plan duration. If you have a Card with a Credit Limit, you may also be able to select a qualifying amount of $100 or more and a plan duration. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. However, you may select only one qualifying purchase for each plan that you create in the American Express App. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases (or a qualifying amount, if you have a Card with a Credit Limit) do not include purchases of cash or cash equivalents, purchases subject to Foreign Transaction Fees, or any fee owed to us, including Annual Membership fees. Unless you are creating a plan at checkout, please allow 2-3 days for your purchase to post to your account. Once your purchase posts and is no longer pending, you can create a plan for that purchase.
Your ability to create plans will be based on a variety of factors such as your creditworthiness, and your Credit Limit or Pay Over Time Limit, as applicable. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. You may not be able to create a plan if it would cause you to exceed your Pay Over Time Limit or cause your Plan balance to exceed 95% of your Account Total New Balance on your last billing statement. You will not be able to create plans if your Pay Over Time feature is suspended or your Account is canceled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled in a payment program, has a payment that is returned unpaid, or is past due. The number and length of plan duration options offered to you, the number of active plans you can have at a time, and your ability to include multiple qualifying purchases in a single plan, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history. After a plan is paid in full, it will be removed from your Account in the next billing period.
Plan It is available on Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts that do not have either a Credit Limit or the Pay Over Time feature. Only the Basic Card Member or Authorized Account Managers on the Account can create a plan. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or Account numbers issued by other financial institutions are not eligible.
Strive for College Terms
In order to not incur a fee for your background check, you must enroll as a mentor through the link provided in the offer email. The waiver is not fulfilled as a statement credit and no statement credit will appear on your billing statement. American Express is not responsible for any background check fees incurred if enrolling through a different site other than the one provided. Offer expires 12/31/22. Note that American Express will not receive results of your background check or any personal information provided to Strive for College. All Strive for College Terms and Conditions apply to your participation in the Strive for College program.
Shop with Membership Rewards Points
When using points for products through membershiprewards.com you are purchasing directly from a merchant, not from American Express. Participating merchants determine (i) product prices and availability, (ii) offers, promotions and applicable restrictions, (iii) estimated shipping and (iv) estimated tax, all of which are subject to change at any time without notice and are only confirmed in the order confirmation email sent by the merchant.
For accounts that qualify, Membership Rewards® points will be deducted for the purchase, including estimated shipping/handling and applicable taxes. A debit for the purchase will be issued by the merchant, and a credit for the purchase, including estimated shipping/handling and applicable taxes, will be issued by American Express to the Card account that you have designated for purchasing products through membershiprewards.com. Please note: The debit and credit may not appear on the same billing statement. Card Members enrolled in the Membership Rewards program with any account that is canceled, past due or have a return payment outstanding are not eligible to redeem points.
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.
American Express Experiences (Virtual/Standing Only Events)
The American Express Experiences program is available to all Card Members unless otherwise stated. Simply pay with your American Express® Card when applicable. Tickets are subject to the rules, terms & conditions, and fees set by the ticket seller, event promoter and/or the venue, as applicable. Offer fulfilled by ticket seller, subject to availability and may be changed or revoked at any time. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.
American Express Preferred Seating
The American Express Preferred Seating program is exclusively available to eligible* Card Members.
Enter the 10-digit Customer Service phone number on the back of your eligible Card when prompted to purchase tickets online, on a mobile device, or over the phone. For limited events on Ticketmaster, connect your Card to your Ticketmaster account online, or on a mobile device, and provide your 15-digit Card Number when prompted.
*Preferred Seating is available to our U.S. Card Members with the following cards:
Platinum Card® or Centurion® Card from American Express, Business Platinum Card®, Business Centurion® Card from American Express, Corporate Platinum Card® or Corporate Centurion® Card from American Express, Delta SkyMiles® Platinum American Express Card, Delta SkyMiles® Platinum Business American Express Card, Delta SkyMiles® Reserve American Express Card, Delta SkyMiles® Reserve Business American Express Card, American Express® Gold Card, Classic Business Gold Card, Business Gold Card, Business Gold Rewards Card, American Express® Corporate Gold Card, the Executive Business Card, Hilton Honors American Express Surpass® Card, Hilton Honors Aspire Card, Marriott Bonvoy Brilliant™ American Express Card, or the Marriott Bonvoy™ American Express Card.
Tickets are subject to the rules, terms and conditions and fees set by the official ticket seller, event promoter and/or the venue, as applicable. Offer is fulfilled by official ticket seller, subject to availability and may be changed or revoked at any time. Not all seats available and blackout dates may apply. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.
American Express Presale(s)
American Express® Card Members have exclusive access to tickets before the general public for the specified sales window. Simply pay with your American Express® Card. Tickets are subject to the rules, terms & conditions, and fees set by the ticket seller, promoter and/or the venue, as applicable. Offer is fulfilled by ticket seller, subject to availability and may be changed or revoked at any time. Not all seats available and blackout dates may apply. All sales final. No refunds. No exchanges. For more information, please visit americanexpress.com/entertainment.
Alcohol Disclosure
Must be 21 years of age or older to consume alcoholic beverages. Please drink responsibly.
Seller of Travel
American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our travel consultants. For more information visit www.americanexpress.com/travelterms.
California CST#1022318; Washington UBI#600-469-694