More buying power. More opportunities. More cash back.
Say yes more. You've got the power to use your Card above your credit limit‡ with Expanded Buying Power. There are no over-limit fees,¤ no enrollment steps to take and you can continue to earn cash back‡ on purchases above your credit limit. It's really just as simple as paying the minimum due each month, which will include any amount you spend over your credit limit. The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited. Cash back earned is automatically credited to your statement.‡
Global Assist® Hotline‡
Whenever you travel more than 100 miles from home, Global Assist® Hotline‡ is available for 24/7 emergency assistance and coordination services, including medical and legal referrals, emergency cash wires, and missing luggage assistance. Card Members are responsible for the costs charged by third-party service providers. Other terms and conditions apply.
Car Rental Loss and Damage Insurance♦︎
As a Card Member, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory when you use your Eligible Card to reserve and pay for the Entire Rental and decline the collision damage waiver (CDW) at the Rental Company counter. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Italy, and New Zealand. This product provides secondary coverage and does not include liability coverage.
Employee Cards
Get the most of your Business Card. Add up to 99 Employee Cards‡ for no Annual Fee and earn cash back‡ on employee purchases. Plus, get real-time alerts‡ if employees spend outside of merchant types that you've approved or when their purchases are blocked due to the set spending limit.‡ Cash back earned is automatically credited to your statement.
Account Manager
Free up time. Assign a trusted team member to oversee your American Express account. Account Managers can handle tasks like making payments, reviewing transactions, and disputing charges‡ so you're free to focus on other priorities.‡
Year-End Summary
At the start of each year, we provide access to a Year-End Summary of charges so you can review your annual spending. Log into your American Express online account to view an interactive overview of your spending in pie or bar charts, organized by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel to help prepare for your taxes and manage your spending.‡
Online Statements
View your purchase history, prepare reports, and budget your expenses.
American Express® App
Track spending and rewards‡, find an airport lounge, make a payment, and get important account alerts‡ in real-time with the American Express® App.‡
Purchase Protection♦︎
When an American Express® Card Member charges a Covered Purchase with their Eligible Card, Purchase Protection♦︎ can help protect their Covered Purchases for up to 90 days from the Covered Purchase date if it is stolen or accidentally damaged. The coverage is limited up to $1,000 per Covered Purchase, up to $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Extended Warranty♦︎
When an American Express® Card Member charges a Covered Purchase with his or her Eligible Card, Extended Warranty♦︎ can provide up to one extra year added to the Original Manufacturer's Warranty. Applies to warranties of 5 years or less. Coverage is up to the actual amount charged to your Eligible Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Please read important exclusions and restrictions.
Amex Offers
Card Members can browse through their online account or through the American Express® App‡ and add Amex Offers to their eligible Card and earn savings on qualifying purchases with select brands. Savings are received in the form of a statement credit.‡
Dispute Resolution
If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue.‡