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American Express

Membership Essentials

Explore this Membership Guide to learn more about the offers, benefits, tools, and resources available exclusively to Card Members.


Discover the many ways American Express has your back

Maximizing the Value of Membership

Did you know that you can unlock exclusive offers and earn more on everyday purchases as an American Express Card Member? Explore the world of offers, benefits, and rewards available to you, and start maximizing your Membership today.

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.



The Membership Rewards® Program

With no expiration dates and no limit on how many you can earn, Membership Rewards® points are easy to earn and flexible to use.



Managing your account, made easy

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.


Shop Small® Today 


Small businesses are the heartbeats of our communities, and supporting them now is more important than ever. Support local businesses and show your neighborhood some love.


Financial tools and resources 

We're here to help you stay on top of your personal finances. Tap into these resources to meet your goals and needs.

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.