American Express Business Bundle
Business Gold Card + Employee Cards
This bundle was built to help you streamline expenses while you earn more Membership Rewards® points on employee spending—and the categories where you spend the most.‡
Annual Fee for the Business Gold Card is $295.
Rates & Fees. ‡†Offer & Benefit Terms.
Plus, you have the option to add Employee Cards with no annual fee.
Apply for the Business Gold Card OR bundle with Employee Cards for our best available offer.
Apply by 6/30/2022
After you spend $10,000 on your new Business Gold Card in the first 3 months.†
After you add an Employee Card and spend $1,000 in the first 3 months.†
Earn Rewards Across Spending
With the Business Gold Card, you can earn rewards on employee spending and the categories where you spend the most.
Maximize Rewards For Your Business
Earn 4X Membership Rewards® points on the top 2 categories where your business spent the most each billing cycle from the list below, plus earn 1X on other purchases.‡
- Airfare purchased directly from airlines
- U.S. purchases for advertising in select media (online, TV, radio)
- U.S. purchases at restaurants, including takeout and delivery
- U.S. purchases at gas stations
- U.S. purchases for shipping
- U.S. purchases made directly from select technology providers of computer hardware, software, and cloud solutions
Terms and Limitations apply. 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year. Then earn 1 point per dollar.
Earn on Employee Cards
The more Cards you provide for your employees, the more rewards you can earn. Plus, you have the option to add Employee Cards with no annual fee.‡
25% Airline Bonus
Use Membership Rewards® Pay with Points for all or part of an eligible fare and get 25% of those points back, up to 250,000 points back per calendar year. Eligible fares include First and Business Class tickets with all airlines available through American Express Travel, as well as any fare class with your selected qualifying airline.‡
Gain Control Of Cash Flow
Boost purchasing power and streamline expenses.
No Preset Spending Limit
Unlike a traditional credit card, the Business Gold Card has no preset spending limit. This unique feature means the amount you can spend adapts based on factors such as your purchase, payment, and credit history. If you're ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your online account or mobile app.‡
Pay Over Time‡
You can carry a balance with interest on eligible charges, giving you more control over the amount you pay. When your payment is due, you can choose to pay your Account Total New Balance, the minimum due or any amount in between, with interest. Rates and Fees
Manage Spending
By combining Business Gold with Employee Cards, you can oversee account activity, set spending limits, and track employee spending.‡
Apply to add the Business Gold Card
If approved, add Employee Cards on your Card application
Enjoy the rewards of your bundle
Annual fee for the Business Gold Card is $295. Rates & Fees. ‡†Offer & Benefit Terms.
Plus, you have the option to add Employee Cards with no annual fee.
To be eligible to earn the points associated with this offer you must charge $10,000 (the “Threshold Amount”) of eligible purchases during the first 3 months of membership on an eligible Business Gold Card from American Express. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to- person payments, or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. The 90,000 points will be credited to your Membership Rewards account 8-12 weeks after you have met the Threshold Amount.
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer (s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us.
You can earn 90,000 Membership Rewards® Points after you spend $10,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $10,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped).
If your application is not received by 6/30/2022, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.
†Employee Card Bundle Offer
To be eligible for the 10,000 Membership Rewards® points, at least $1,000 must be spent on the new Employee Card within the first 3 months.
You will receive the 10,000 Membership Rewards® points 8-12 weeks after the requirements have been met. To receive the points, your Card account must not be past due, canceled or have a returned payment outstanding at the time of offer fulfillment.
If American Express does not receive information that identifies an eligible transaction as qualifying for the offer, you will not receive the Membership Rewards® points. Qualifying purchases can be made by the Basic Card Member and the new Employee Card, but the Membership Rewards® points will be credited to the Basic Card Member’s account.
Interest charges, fees, purchases of checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents are not considered purchases for the purpose of the purchase requirement.
You can earn 10,000 Membership Rewards® Points after you spend $1,000 or more on eligible purchases on your Employee Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $1,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped).
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer (s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us
If your application is not received by 6/30/2022, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.
‡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 http://www.membershiprewards.com/pointsinfo
‡4X Membership Rewards Points
How the 4X Points Benefit Works
With your American Express® Business Gold Card, you get at least one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. You also get 3 additional points per dollar (for a total of 4 points), on the 2 categories (of 6) where you spend the most each billing cycle, up to the first $150,000 in combined eligible purchases from these 2 categories each calendar year. Eligible purchases in excess of $150,000 in a calendar year will receive only one point per dollar spent.
Determining Your Top 2 Categories
To calculate your top 2 categories each billing cycle, we use your posted account transactions that fall into the 6 categories below and issue additional points based on your 2 highest categories of total spend less returns and credits in that same billing cycle. You will only earn 3 additional points in 2 categories each billing cycle even if you have equal spend in more than 2 categories. The 6 categories that qualify for additional points are: (1) airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) computer hardware, software, and cloud computing purchases in the U.S. made directly from select technology providers (the current list of select technology providers is available at: americanexpress.com/rewards-info); (4) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (5) restaurants located in the U.S.; and (6) shipping services purchased in the U.S. for courier, postal, and freight.
General Terms
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.
‡Employee Card
Terms, conditions, and restrictions vary by individual Card products.
‡25% Airline Bonus
To use Pay with Points, you must charge your eligible airfare purchase through American Express Travel to a Membership Rewards® program- enrolled American Express® Card. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Points must be used at the time of booking. Pay with Points requires a minimum redemption of 5,000 points.
Business Gold Card Members will receive 2.5 extra points for every 10 points they redeem for either a First or Business class flight on any airline, or for flights with their selected qualifying airline using Membership Rewards Pay with Points through American Express Travel (25% Airline Bonus), up to 250,000 bonus points per calendar year, per each Membership Rewards account. For First or Business class flights on a Card Member’s selected qualifying airline, the Card Member will still receive only 2.5 extra points for every 10 points redeemed. Card Member must select a qualifying airline at https://global.americanexpress.com/card-benefits/detail/airline-choice/business-gold. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in anuary by calling the number on the back of their Card. Card Members who do not change their airline selection will remain with their current airline.
If you select Spirit Airlines, Southwest Airlines, or Frontier Airlines to receive your 25% Airline Bonus you must call American Express Travel and Lifestyle Services at 1-800-428-0253 Monday-Saturday between 9am-8pm ET.
A flight booked as part of a travel package or booked with the American Express U.S. Representative Travel Network is not eligible for the 25% Airline Bonus. In addition, to be eligible to receive extra points, Card account(s) must not be canceled or past due at the time of extra points fulfillment. If booking is canceled, the extra points will be deducted from your Membership Rewards account. Extra points will be credited to your Membership Rewards account approximately 6-10 weeks after eligible airfare purchases appear on your billing statement. See membershiprewards.com/terms for Membership Rewards program terms and conditions. This 25% Airline Bonus is the maximum Membership Rewards points you can get back for Pay with Points on flights booked through American Express Travel. Bonus ID: B4JN
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
‡Pay Over Time
Eligible Charges: Eligible charges made by you or any additional Card Member on your account can be paid over time. Ineligible charges and any charge that would cause your Pay Over Time balance to exceed your Pay Over Time Limit will be due in full each month. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.
Pay Over Time Settings: The Pay Over Time option on your account is initially set to On. There are two settings, On and Off. When set to On, eligible charges will be placed in your Pay Over Time balance. When set to Off, no new charges will be included in your Pay Over Time balance. You can change this setting by visiting your online account or calling the number on the back of your Card.
Interest on your Pay Over Time balance: For transactions added to your Pay Over Time balance, we will charge interest beginning on the date of each transaction. We will not charge interest on charges added to your Pay Over Time balance if you pay your account Total New Balance by the due date each month. You must pay at least the Minimum Payment Due by the Payment Due Date each month to keep your account in good standing. The Minimum Payment Due includes all Pay in Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.
Pay Over Time Limit: We assign a Pay Over Time Limit to your account. Your Pay Over Time Limit is the amount you may carry as a balance. We will not place any charge into a Pay Over Time balance if it causes your Pay Over Time balance to go over your Pay Over Time Limit. Any charges that would cause the total balance to exceed your Pay Over Time Limit will be due in full. We may increase or decrease the amount of your Pay Over Time Limit and will tell you if we change that amount. Your Pay Over Limit may be different than the total amount you are allowed to spend on your Card.
No Pre-Set Spending Limit: No Preset Spending Limit means your spending limit is flexible. Unlike a traditional Card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.
Eligible Charges: A charge made by you or any additional Card Member on your account is eligible to be paid over time if it is equal to or more than $100 and is approved by us. Charges under $100 will be due in full each month. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.
‡Employee Card Spending Limits
Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.
To be eligible to earn the points associated with this offer you must charge $10,000 (the “Threshold Amount”) of eligible purchases during the first 3 months of membership on an eligible Business Gold Card from American Express. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account.
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler’s checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to- person payments, or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. The 90,000 points will be credited to your Membership Rewards account 8-12 weeks after you have met the Threshold Amount.
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer (s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us.
You can earn 90,000 Membership Rewards® Points after you spend $10,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $10,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped).
If your application is not received by 6/30/2022, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.
†Employee Card Bundle Offer
To be eligible for the 10,000 Membership Rewards® points, at least $1,000 must be spent on the new Employee Card within the first 3 months.
You will receive the 10,000 Membership Rewards® points 8-12 weeks after the requirements have been met. To receive the points, your Card account must not be past due, canceled or have a returned payment outstanding at the time of offer fulfillment.
If American Express does not receive information that identifies an eligible transaction as qualifying for the offer, you will not receive the Membership Rewards® points. Qualifying purchases can be made by the Basic Card Member and the new Employee Card, but the Membership Rewards® points will be credited to the Basic Card Member’s account.
Interest charges, fees, purchases of checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents are not considered purchases for the purpose of the purchase requirement.
You can earn 10,000 Membership Rewards® Points after you spend $1,000 or more on eligible purchases on your Employee Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $1,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped).
If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer (s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards to, we may freeze Membership Rewards credited to, or we may take away Membership Rewards from your account. We may also cancel this Card account and other Card accounts you may have with us
If your application is not received by 6/30/2022, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.
‡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 http://www.membershiprewards.com/pointsinfo
‡4X Membership Rewards Points
How the 4X Points Benefit Works
With your American Express® Business Gold Card, you get at least one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. You also get 3 additional points per dollar (for a total of 4 points), on the 2 categories (of 6) where you spend the most each billing cycle, up to the first $150,000 in combined eligible purchases from these 2 categories each calendar year. Eligible purchases in excess of $150,000 in a calendar year will receive only one point per dollar spent.
Determining Your Top 2 Categories
To calculate your top 2 categories each billing cycle, we use your posted account transactions that fall into the 6 categories below and issue additional points based on your 2 highest categories of total spend less returns and credits in that same billing cycle. You will only earn 3 additional points in 2 categories each billing cycle even if you have equal spend in more than 2 categories. The 6 categories that qualify for additional points are: (1) airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) computer hardware, software, and cloud computing purchases in the U.S. made directly from select technology providers (the current list of select technology providers is available at: americanexpress.com/rewards-info); (4) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (5) restaurants located in the U.S.; and (6) shipping services purchased in the U.S. for courier, postal, and freight.
General Terms
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.
‡Employee Card
Terms, conditions, and restrictions vary by individual Card products.
‡25% Airline Bonus
To use Pay with Points, you must charge your eligible airfare purchase through American Express Travel to a Membership Rewards® program- enrolled American Express® Card. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Points must be used at the time of booking. Pay with Points requires a minimum redemption of 5,000 points.
Business Gold Card Members will receive 2.5 extra points for every 10 points they redeem for either a First or Business class flight on any airline, or for flights with their selected qualifying airline using Membership Rewards Pay with Points through American Express Travel (25% Airline Bonus), up to 250,000 bonus points per calendar year, per each Membership Rewards account. For First or Business class flights on a Card Member’s selected qualifying airline, the Card Member will still receive only 2.5 extra points for every 10 points redeemed. Card Member must select a qualifying airline at https://global.americanexpress.com/card-benefits/detail/airline-choice/business-gold. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in anuary by calling the number on the back of their Card. Card Members who do not change their airline selection will remain with their current airline.
If you select Spirit Airlines, Southwest Airlines, or Frontier Airlines to receive your 25% Airline Bonus you must call American Express Travel and Lifestyle Services at 1-800-428-0253 Monday-Saturday between 9am-8pm ET.
A flight booked as part of a travel package or booked with the American Express U.S. Representative Travel Network is not eligible for the 25% Airline Bonus. In addition, to be eligible to receive extra points, Card account(s) must not be canceled or past due at the time of extra points fulfillment. If booking is canceled, the extra points will be deducted from your Membership Rewards account. Extra points will be credited to your Membership Rewards account approximately 6-10 weeks after eligible airfare purchases appear on your billing statement. See membershiprewards.com/terms for Membership Rewards program terms and conditions. This 25% Airline Bonus is the maximum Membership Rewards points you can get back for Pay with Points on flights booked through American Express Travel. Bonus ID: B4JN
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
‡Pay Over Time
Eligible Charges: Eligible charges made by you or any additional Card Member on your account can be paid over time. Ineligible charges and any charge that would cause your Pay Over Time balance to exceed your Pay Over Time Limit will be due in full each month. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.
Pay Over Time Settings: The Pay Over Time option on your account is initially set to On. There are two settings, On and Off. When set to On, eligible charges will be placed in your Pay Over Time balance. When set to Off, no new charges will be included in your Pay Over Time balance. You can change this setting by visiting your online account or calling the number on the back of your Card.
Interest on your Pay Over Time balance: For transactions added to your Pay Over Time balance, we will charge interest beginning on the date of each transaction. We will not charge interest on charges added to your Pay Over Time balance if you pay your account Total New Balance by the due date each month. You must pay at least the Minimum Payment Due by the Payment Due Date each month to keep your account in good standing. The Minimum Payment Due includes all Pay in Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.
Pay Over Time Limit: We assign a Pay Over Time Limit to your account. Your Pay Over Time Limit is the amount you may carry as a balance. We will not place any charge into a Pay Over Time balance if it causes your Pay Over Time balance to go over your Pay Over Time Limit. Any charges that would cause the total balance to exceed your Pay Over Time Limit will be due in full. We may increase or decrease the amount of your Pay Over Time Limit and will tell you if we change that amount. Your Pay Over Limit may be different than the total amount you are allowed to spend on your Card.
No Pre-Set Spending Limit: No Preset Spending Limit means your spending limit is flexible. Unlike a traditional Card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.
Eligible Charges: A charge made by you or any additional Card Member on your account is eligible to be paid over time if it is equal to or more than $100 and is approved by us. Charges under $100 will be due in full each month. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.
‡Employee Card Spending Limits
Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.