1. 150,000 Membership Rewards^® points American Express Business Platinum Welcome Offer

You can earn 150,000 Membership Rewards^® points after you make $15,000 (the "Threshold Amount") or more of eligible purchases on your Business Platinum Card during the first 3 months of Card Membership, starting from the date your account is opened. 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. Membership Rewards^® points will be credited to your 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 this offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain an 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, we may freeze, or we may take away Membership Rewards^® points from your account. We may also cancel this Card account and other Card accounts you may have with us.

You can earn 150,000 Membership Rewards^® Points after you spend $15,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend $15,000 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). Membership Rewards^® points will be credited to your account 8-12 weeks after you have met the Threshold Amount.

This offer is not transferable. If your application is not received by 12/12/2023, 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.

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.

2. 50,000 Membership Rewards^® points American Express Business Checking Welcome Offer
You are not eligible to earn a Welcome Bonus for any accounts opened for a business that currently has or has had an American Express^® Business Checking account.

To be eligible to earn a Welcome Bonus of 50,000 Membership Rewards^® points (the “Welcome Offer”), you must meet each of the following qualifying criteria:
 

1. 1. Open your first American Express^® Business Checking account, which is subject to approval;
   
   
2. 2. Deposit a total of $5,000 or more in eligible deposits that you make and are posted to your account within thirty (30) days of account opening. Eligible deposits are all deposits that you make, except deposits from any other American Express^® Business Checking account, deposits from interest payments, and deposits using our Redeem Membership Rewards Points for Deposits feature. Eligible deposits that you may make within thirty (30) days of account opening but that post to your account and appear in your available balance after thirty (30) days of account opening do not qualify;
   
   
3. 3. Maintain an average daily balance in your account of at least $5,000 for sixty (60) days, starting on the date that your eligible deposits are equal to $5,000 or greater. We calculate the average daily balance of your account for the sixty (60) days as the sum of your account’s end-of-day balance for sixty (60) consecutive calendar days divided by sixty; and
   
   
4. 4. Complete five (5) qualifying transactions within sixty (60) days of account opening. “Qualifying transactions” are defined as mobile deposits, check deposits by mail, and electronic/online transactions, including ACH, Wire, and Bill Payment transactions made to or from your account. Business Debit Card transactions and deposits using our Redeem Membership Rewards Points for Deposits feature are not qualifying transactions. Transfers between American Express^® Business Checking accounts held by the same business are not qualifying transactions. Stop payments and transactions that do not post to your account and do not appear in your Available Balance within sixty (60) days of account opening are not qualifying transactions.

After you have completed all the above qualifying criteria, American Express will credit the Membership Rewards points to the Membership Rewards Program Account linked to your American Express^® Business Checking account within 8-12 weeks. We may not credit the Membership Rewards points, or we may take away the Membership Rewards points if we determine, in our sole discretion, that you have engaged in abuse, misuse, or gaming in connection with the offer in any way or that you intend to do so. We may also cancel this account and other accounts you may have with us if we determine abuse, misuse or gaming behavior has been shown. Your American Express^® Business Checking account must be open at the time of fulfillment; we may not credit the Membership Rewards points if you or we close your American Express^® Business Checking account.

The Welcome Bonus may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the offer. Please consult your tax advisor if you have questions about the tax treatment of the Welcome Bonus.

You must submit your application by 12/12/2023 11:59:59 EST to be eligible for this Welcome Offer.

American Express reserves the right to modify or revoke this Welcome Offer at any time without notice.

Terms and Conditions for the Membership Rewards^® program apply. Visit membershiprewards.com/terms for more information.

If you’re new to the Membership Rewards^® program:
Any points you earn, including this Welcome Bonus and from making Business Debit Card purchases, can be converted into deposits made directly into your Business Checking account.

If you already have a Membership Rewards-enrolled Card:
You can choose to convert points into deposits directly into your Business Checking account or use them the same way you always have – for travel, gift cards, and more.

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.

Welcome Offer offered by American Express National Bank, Member FDIC.

3. Business Platinum Card and American Express Business Checking 20,000 Membership Rewards points Bundle Offer

You can earn an additional 20,000 Membership Rewards^® points (the “Bundle Bonus”) if and after you earn both the Business Platinum Card welcome bonus and the American Express Business Checking welcome bonus as described above. To be eligible for this offer, you must apply for both the Business Platinum Card and the American Express Business account through this communication by 12/12/2023

The additional 20,000 Membership Rewards^® points will be credited to the Membership Rewards account associated with your Business Platinum Card 20 weeks after you satisfy all requirements to earn this Bundle Bonus. Your Business Platinum Card account must not be cancelled or past due and your Business Checking account must be open at the time of fulfillment.

A separate application is required for each account. Not all approved Business Platinum Card Members will be approved for a Business Checking account and not all Business Checking account customers will be approved for a Business Platinum Card. To be eligible for this offer, you must be approved for both accounts. You may apply for either account first.

The welcome offer may be taxable income to you and may be reported on IRS Form 1099. You are responsible for any federal or state taxes resulting from the offer. Please consult your tax advisor if you have questions about the tax treatment of this welcome offer.

This offer is not transferable. If your application is not received by 12/12/2023, 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.

4. 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.

Membership Rewards^® Program for Checking and Debit
When you open an American Express^® Business Checking Account, you will also receive a Membership Rewards^® Account, in which you will earn one Membership Rewards point for every two dollars of eligible Debit Card purchases. Eligible purchases are purchases for goods and services minus returns and other credits. For more information on eligible purchases, visit membershiprewards.com/terms. You can redeem Membership Rewards points for a deposit into your checking account. Click here to learn what other redemption options may also be available. If you also have a Rewards Account in connection with a Card Account, your Rewards Accounts can be linked and you will have access to all redemption options offered with that Card Account. For more information, visit membershiprewards.com/terms.

Membership Rewards^® Program - Redeem for Deposits
You may redeem Membership Rewards^® points for deposits into your American Express^® Business Checking Account at the standard rate of 1000 points for an $8 deposit. If you have a Business Platinum Card^® and an American Express Business Checking Account linked to the same Membership Rewards Account, you can redeem points for a deposit at a rate of 1000 points for $10 for up to 1,000,000 points per calendar year, after which you may continue to redeem points at the standard rate. There is no minimum number of points needed to use Redeem for Deposits. American Express will deduct the number of points you select from your Membership Rewards Account and deposit a corresponding dollar amount into your checking account. Generally, deposits will post to your account within 48 hours of redemption. For more information, visit membershiprewards.com/terms.

5. Approval is subject to you and/or your company's previous experience and credit history with American Express and other lenders including credit score and any delinquencies, as well as identity verification.

6. Fine Hotels + Resorts Program

Fine Hotels + Resorts^® (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer, Business, and Corporate Platinum Card^® Members, and Centurion^® Members. Additional Platinum Card Members on Consumer and Business Platinum and Centurion Card Accounts are also eligible for FHR program benefits. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts, and Delta SkyMiles^® Platinum Card Members are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express^® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of experience credit or additional amenity (if applicable) varies by property; the experience credit will be applied to eligible charges up to the amount of the experience credit. Advance reservations are recommended for certain experience credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

7. The Hotel Collection Program

The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer and Business Gold Card, Platinum Card^® Members, and Centurion^® Members. Additional Card Members on Consumer and Business Platinum Card Accounts, and Additional Card Members on Consumer and Business Centurion Accounts are also eligible for THC program benefits. Delta SkyMiles^® Gold and Platinum Card Members are not eligible. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express^® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. Room upgrade is subject to availability and is provided at check-in; certain room categories are not eligible for upgrade. The type of experience credit or additional amenity (if applicable) varies by property; the experience credit will be applied to eligible charges up to $100. Advance reservations are recommended for certain experience credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

8. 5X Membership Rewards Points on Flights and Prepaid Hotels Booked at AmexTravel.com

You will get one point for each dollar charged for an eligible purchase on your Business Platinum Card^® from American Express. You will get 4 additional points (for a total of 5 points) for each dollar spent on eligible travel purchases. Eligible travel purchases include scheduled flights and prepaid flight+hotel packages made online at AmexTravel.com, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel, over the phone with our Travel Consultants or made online at AmexTravel.com, minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, scheduled flights and prepaid flight+hotel packages over the phone, vacation packages, car rentals, cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 5x Membership Rewards^® points, you must both reserve and charge the travel purchase with the same eligible Business Platinum Card^®. To modify a reservation you must cancel and rebook your reservation. You can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 5X Membership Rewards^® point benefit. To be eligible to receive extra points, Card account(s) must not be cancelled or past due at the time of extra points fulfillment. If booking is cancelled, the extra points will be deducted from the Membership Rewards account. Extra points will be credited to the Membership Rewards account approximately 6-10 weeks after eligible purchases appear on the billing statement. Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this benefit. The benefits associated with the Additional Card(s) you choose may be different than the benefits associated with your basic Card. To learn about the benefits associated with Additional Card(s) you choose, please call the number on the back of your Card.

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.

Please visit americanexpress.com/rewards-info for more information about rewards.

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

9. Membership Rewards - 1.5X Points
Get 1.5X Points
You get 1.5X Membership Rewards^® points per dollar (that’s an extra half point per dollar) for eligible purchases on your Card made at U.S. construction material and hardware suppliers, at U.S. electronic goods retailers and software & cloud system providers, and at U.S. shipping providers as well as on each eligible purchase of $5,000 or more everywhere else. If you have a single eligible purchase of $5,000 or more within a category above, you will get a total of 1.5X points per dollar. For example, for a single eligible purchase of $10,000 in a category, you will get an extra 5,000 points. Earn 1.5X on up to $2 million of eligible purchases per calendar year per account. These extra points are in addition to any points you already get from using the Card. For additional information please visit https://www.americanexpress.com/us/rewards-info/business.html

You will not get the extra points associated with this benefit if American Express does not receive information that identifies your transaction as eligible for the benefit. For example, a purchase transaction of $5,000 or more will not qualify if the merchant divides the purchase into transactions of less than $5,000 before providing the information to American Express. Airlines, hotels, retailers, aggregators, and online marketplaces are a few examples of merchants that may divide purchases into smaller transactions. Transactions may be divided by date of availability, shipping date, ticket, or reservation, among other things.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. You will typically receive the extra Membership Rewards points eight to twelve weeks after the billing period in which you make the eligible purchase.

Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

10. Business Platinum Dell Technologies Benefit

Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card^® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $200 in statement credits between January and June and up to $200 in statement credits between July and December for a total of $400 per calendar year in statement credits across all Cards on the enrolled Card Account. Valid only on purchases made directly with Dell Technologies or at dell.com in the US and US territories where Dell Technologies is the merchant of record for the purchase. Not valid on online purchases shipped outside of the US and purchases from unauthorized resellers or online auctioneers. Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Purchases may fall outside of the 6-month benefit period in which the purchase was made in some cases due to a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction (for example, the purchase date for online orders may be the shipping date). In this case your purchase would apply toward the statement credit available in the next 6-month benefit period. Statement credit may be reversed if the eligible purchase is returned/cancelled. Statement credits for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Note that American Express may not receive information about your eligible purchase from merchant until all items from your eligible purchase have been provided/shipped by merchant. To be eligible for this benefit, Card Account(s) must not be canceled and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card.

11. Business Platinum Indeed Benefit

Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card^® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $90 USD in statement credits per quarter for a total of $360 USD per calendar year in statement credits across all Cards on the enrolled Card Account. Each quarterly eligibility period is defined as January to March, April to June, July to September, October to December. Valid only on purchases made directly with Indeed.com where Indeed, Inc. is the merchant of record for the purchase. Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Statement credit may be reversed if the eligible purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with Indeed, Inc. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if Indeed, Inc. uses a mobile or wireless card reader to process it. To be eligible for this benefit, Card Account(s) must not be canceled and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card. Use of Indeed’s services and websites are subject to Indeed’s Terms of Service, Cookie Policy, and Privacy Policy available at www.indeed.com/legal.

12. Business Platinum Adobe Benefit

Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card^® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $150 per calendar year in statement credits. Valid only on purchases of annual prepaid business subscriptions for Creative Cloud All Apps or Single Apps for Teams or Acrobat Pro DC with E-Sign or advanced E-Sign for Teams, and on additional licenses added to an eligible annual prepaid subscription during an existing subscription term. Adobe Creative Cloud InCopy App is not eligible. Individual and Student & Teacher plans are not eligible. Annual prepaid plans automatically renew each year on your annual subscription date until cancelled. Purchases must be made within the U.S. and directly with Adobe where Adobe is the merchant of record for the purchase. Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on accurate transaction data from the merchant to identify eligible purchases. Note that American Express may not receive information about your eligible purchase from merchant until all items from your eligible purchase have been provided/shipped by merchant. Statement credit may be reversed if the eligible purchase is returned/cancelled. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card.

13. Wireless Credit

Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card^® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $10 in statement credits per month. Valid only on purchases for monthly wireless telephone service charges made directly from a wireless telephone service provider in the United States and U.S. Territories. Purchases for hardware and equipment are NOT included. Any purchases from third parties, authorized retailers or resellers are excluded. Bundled services offered by Wireless companies for TV, Internet and VoIP and VoIP (Voice Over Internet Protocol) services are excluded. 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. A purchase will not earn statement credits if the merchant's code is not eligible. If American Express does not receive information that identifies your transaction as eligible for the statement credit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn statement credit. A purchase may not earn statement credit if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Please allow 6-8 weeks after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Note that American Express may not receive information about your eligible purchase from merchant until all items from your eligible purchase have been provided/shipped by merchant. Statement credits may be reversed if the eligible purchase is returned/cancelled. To be eligible for this statement credit, Card Account(s) must be not canceled and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card.

14. Pay Over Time Option
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. In addition, statement credits for eligible purchases, or any reversals of a statement credit, may be applied to either your Pay Over Time balance or Pay In Full balance regardless of where the eligible purchases originally posted.

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 Preset 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.

15. $200 Airline Fee Credit

Benefit is available to Business Platinum Card^® Members only. To receive statement credits of up to $200 per calendar year toward incidental air travel fees, Card Member must select one qualifying airline at www.americanexpress.com/airlinechoice. Qualifying airlines are subject to change. 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 January at www.americanexpress.com/airlinechoice or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. The qualifying airline Business Platinum Card Members select for this $200 benefit and the 35% Airline Bonus must be the same. Statement Credits: Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Incidental air travel fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card Member’s airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental air travel fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 6-8 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card Account (for example, Sign & Travel), the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information about this benefit, call the number on the back of your Card.

16. $189 CLEAR Plus Credit

Basic Card Members can earn up to $189 in statement credits per calendar year when the Business Platinum Card or Additional Cards on the Account are used to pay for an annual CLEAR Plus membership. Enrollment in CLEAR Plus is required and is subject to CLEAR’s terms and conditions. CLEAR Plus memberships automatically renew each year unless canceled and CLEAR will charge the applicable membership fee to the Card CLEAR has on file. American Express has no control over the application and/or approval process for CLEAR, and does not have access to any information provided to CLEAR by the Card Member or by CLEAR to the Card Member. American Express has no liability regarding the CLEAR program. If a Card Member's application is not approved by CLEAR, CLEAR will refund the charges. If the statement credit benefit has been applied before CLEAR refunds the charges, that statement credit will be reversed. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $189 across all Cards on the Account per calendar year. For additional information on the CLEAR program, including information regarding membership, eligibility, and for a list of participating locations, as well as the full terms and conditions of the program, please go to www.clearme.com. The CLEAR program is subject to change, and American Express has no control over those changes. Please allow up to 6-8 weeks after a qualifying CLEAR transaction is charged to the Card Account for the statement credit to be posted to the Account. American Express relies on accurate transaction data to identify eligible CLEAR Plus purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, please call the number on the back of your Card. Card Members remain responsible for timely payment of all CLEAR charges. If you are assigned a new Card number or have a Card number on file with CLEAR that is outdated (for example, if you replace your Card or if your Card has expired), you must update your Card information on file with CLEAR to help ensure that statement credits are received for eligible CLEAR Plus membership fees. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

17. Fee Credit for Global Entry or TSA PreCheck^®

The benefit is available to (i) Corporate Gold Card Members, (ii) Consumer Platinum Card^® Members, Corporate Platinum Card^® Members and Business Platinum Card^® Members, and (iii) Centurion^® Card Members. The benefit is also available to all Additional Card Members on Consumer and Business Platinum Accounts, and all Additional Card Members on Consumer and Business Centurion Accounts. To receive the Global Entry statement credit of $100 or the TSA PreCheck statement credit of up to $85, Basic or Additional Card Members on the eligible Card Account must pay for the respective application fee through a TSA PreCheck official enrollment provider with their eligible Card. Basic Card Members are eligible to receive a statement credit every 4.5 years for the TSA PreCheck^® application fee (when applying through a TSA official enrollment provider) and every 4 years for the Global Entry application fee, in each case when charged to the Basic Card or any eligible Additional Cards on the eligible Card Account. Basic Card Members will receive a statement credit for the first program (either Global Entry or TSA PreCheck) to which they or their eligible Additional Cards apply and pay for with their eligible Card regardless of whether they are approved for Global Entry or TSA PreCheck. However, eligible Card Members can earn no more than one credit for up to $85 for TSA PreCheck or $100 credit for Global Entry (but not both programs), depending upon the program the Card Member first applies for, for an application fee charged to an eligible Card. American Express has no control over the application and/or approval process for Global Entry or TSA PreCheck, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA PreCheck Programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA PreCheck) charge an application fee to process each respective application regardless of whether the Card Member’s application is approved. The Department of Homeland Security may suspend acceptance of applications on any basis at its discretion. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA PreCheck) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within 4 years (for Global Entry) or 4.5 years (for TSA PreCheck), even if the original application is rejected.

Membership for Global Entry or TSA PreCheck is per person, and a separate application must be completed for each individual. TSA PreCheck application must be processed through a TSA official enrollment provider. Global Entry membership also includes access to the TSA PreCheck program with no additional application or fee required. For additional information on the Global Entry or TSA PreCheck programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.cbp.gov/travel/trusted-traveler-programs/global-entry for Global Entry and www.tsa.gov for TSA PreCheck. The Global Entry or TSA PreCheck programs are subject to change, and American Express has no control over those changes.

The statement credit benefit applies to the Global Entry or TSA PreCheck programs only. Other program applications including, but not limited to, NEXUS, SENTRI, FAST, and Privium are not eligible for the statement credit benefit.
Please allow up to 8 weeks after the qualifying Global Entry or TSA PreCheck transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. American Express relies on accurate transaction data to identify eligible Global Entry and TSA PreCheck purchases. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Card Members are responsible for payment of all application charges until the statement credit posts to the Card Account. Statement credits may be reversed if an eligible purchase is returned/cancelled.

To be eligible for this benefit, the Card Account must not be cancelled and not past due at the time of statement credits fulfillment. If American Express, in it’s sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

18. Rates & fee table: American Express^® Business Checking

19. With the American Express Business Blueprint™ App, you can view your select business products. These products include American Express^® Business Line of Credit, American Express^® Business Checking, American Express^® Payment Accept, and American Express^® Business Credit Cards. Additional terms and limitations may apply. Some app features may only be available on supported devices. The American Express Business Blueprint™ App is available on the App Store and Google Play. Message and data rates may apply.

20. Annual Percentage Yield (APY) as advertised is accurate as of 11/12/2023. APY is applied on account balances up to $500,000. No interest is earned on account balances over $500,000. APY is subject to change at any time without notice before and after a Business Checking account is opened.

21. The FDIC National Deposit Rate is the average of rates paid (using APY) by all insured depository institutions and branches for checking accounts in the $0-$2,500 deposit tier and for which details available to the FDIC. Rates are weighted by each institution’s share of domestic deposits. The Rate is accurate as of 07/17/2023, as published on the FDIC’s Monthly National Rates and Rate Caps.