American Express Credit Card

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Hello! Click here to take a tour of all the helpful features that the Card Benefits site has to offer.

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Select a Card image to browse its rewards and benefits. Or, choose "Explore Other Cards" to learn about other American Express Cards you may be interested in.

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American Express Optima Credit Card
American Express Optima Credit Card
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    For more information on additional benefits you may have access to, please call the number on the back of your Card
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Benefit coverage and eligibility may vary for Additional Card Members.

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Benefits (6)

Benefits

See benefits and rewards that you can have access to with the Card you've selected.

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Benefits(6)

Benefits

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Amex Offers

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Amex Offers

Get valuable offers for shopping, dining, and more from brands you love.
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Benefit Details

Click a benefit to find more information about it, as well as a list of similar benefits you might be interested in.

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Benefit Details

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ShopRunner

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ShopRunner

Enroll in complimentary ShopRunner membership to get free shipping & free return shipping when you shop online at eligible stores.
‡Benefit Terms ShopRunner
Enrolling in the Benefit.
To get the free ShopRunner membership benefit compliments of American Express (the "benefit"), you must go to www.shoprunner.com/americanexpress and verify your eligibility for the benefit with an eligible Card account number and then completing the sign up for a ShopRunner membership account ("ShopRunner account").

You may also be able to enroll in this benefit through access provided to ShopRunner at participating online stores or through an email provided by American Express if it has determined that you have an eligible Card.

An "eligible Card" means an American Express U.S. Consumer or Small Business credit or charge Card that is not cancelled and that is issued to you by a U.S. banking subsidiary of American Express. Prepaid cards and products, American Express Corporate Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible. ShopRunner will verify with American Express the eligibility of your credit or charge card account number for the benefit.

Maintaining the Benefit.
To maintain this benefit on your ShopRunner account, you must maintain an eligible Card. The benefit may be cancelled on your ShopRunner account if you do not have an eligible Card. You can maintain only one benefit per eligible Card.

During your enrollment in the benefit, ShopRunner and American Express will verify your benefit eligibility.

Treatment of Existing ShopRunner Memberships.
If you enroll in the benefit and sign up with an existing ShopRunner account, ShopRunner will cancel the term of your existing ShopRunner account.

If you paid a fee for any unused portion of the cancelled term of membership, ShopRunner will provide you with a pro rata refund for that portion in accordance with ShopRunner's refund policy. The refund will be processed within 2-4 weeks after enrollment and will be issued to the payment method you used to pay the fee.

If a portion of the cancelled term of membership was promotional or free, the free period will be cancelled by ShopRunner and forfeited by you. If you currently have a free or promotional membership on your ShopRunner account, you should consider whether to enroll in the benefit at this time.

General Terms.
An eligible Card can be used to verify eligibility for only one benefit enrollment. American Express may receive and use your personal data from ShopRunner, which may include personally identifiable information and credit card information, to determine eligibility and further develop features and services related to the benefit. American Express may send you emails regarding your enrollment in this benefit. Any information American Express collects from you or from ShopRunner shall be governed by the American Express Online Privacy Statement (https://www.americanexpress.com/privacy). American Express may change, modify, cancel, revoke, or terminate this benefit at any time.

You can review these Terms and Conditions at any time by visiting https://www.shoprunner.com/terms/amex/.

Membership Experiences

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Membership Experiences

Membership gives you access to amazing events in music, theater, sports, and more.
‡Benefit Terms Membership Experiences
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

Year-End Summary

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Year-End Summary

Get access to a Year-End Summary of charges so you can review your annual spending.
‡Benefit Terms Year-End Summary
The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.

Dispute Resolution

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Dispute Resolution

Visit the Inquiry and Dispute Center to open an inquiry on specific charges or payments.
‡Benefit Terms Dispute Resolution
Not all disputes are resolved in the Card Member's favor.

Amex Auto Purchasing Program

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Amex Auto Purchasing Program

Get upfront savings and earn rewards by using your American Express Card toward the down payment or purchase price of your next vehicle.
‡Benefit Terms Amex Auto Purchasing Program
*Between 7/1/13 and 9/30/13, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of the American Express Auto Purchasing Program, based on users who configured virtual vehicles and subsequently purchased a new vehicle of the same make and model listed on the certificate from Certified Dealers, was $3,146, including applicable vehicle specific manufacturer incentives. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP.

**Upfront dealer pricing information and Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer. With Guaranteed Savings, the selected TrueCar Certified Dealer guarantees that you will receive at least a certain, stated minimum savings amount off the base Manufacturer's Suggested Retail Price ("MSRP"), including any vehicle-specific manufacturer incentives that may be currently available. Guaranteed Savings only applies to new, in-stock vehicles at the selected TrueCar Certified Dealers. Incentives subject to certain terms, conditions and restrictions; see your TrueCar Certified Dealer for details.

Neither TrueCar nor American Express brokers, sells or leases motor vehicles. Each Certified Dealer sets its own pricing, and your actual purchase price is negotiated between you and the Certified Dealer. The Certified Dealer will confirm actual vehicle availability from in-stock inventory, including options and color choices.

American Express does not make any guarantees with respect to vehicle purchase. Fulfillment of this offer is the sole responsibility of the participating American Express merchant. Applicable for full car purchases, credit limitations apply


Membership Experiences
Offer valid in select cities. During the specified sales period, tickets are available exclusively to all American Express® Card Members (including Prepaid and International Cards). Tickets must be purchased with an American Express Card (including Prepaid and International Cards). Standard service charges apply. Offer is subject to availability. Not all seats are available and blackout dates apply. All sales final. No refunds. No exchanges. Offer may be changed or revoked at any time at the sole discretion of American Express. Some events may not be accessible to Card Members with disabilities.

Year-End Summary
The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.

Amex Auto Purchasing Program
*Between 7/1/13 and 9/30/13, the average estimated savings off MSRP presented by TrueCar Certified Dealers to users of the American Express Auto Purchasing Program, based on users who configured virtual vehicles and subsequently purchased a new vehicle of the same make and model listed on the certificate from Certified Dealers, was $3,146, including applicable vehicle specific manufacturer incentives. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The Manufacturer's Suggested Retail Price ("MSRP") is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP.

**Upfront dealer pricing information and Guaranteed Savings not available in all states. In these states, a Target Price is shown, which is a market-based example of what you can reasonably expect to pay for your vehicle as configured. Your configured vehicle may not be available or in-stock at the Certified Dealer. With Guaranteed Savings, the selected TrueCar Certified Dealer guarantees that you will receive at least a certain, stated minimum savings amount off the base Manufacturer's Suggested Retail Price ("MSRP"), including any vehicle-specific manufacturer incentives that may be currently available. Guaranteed Savings only applies to new, in-stock vehicles at the selected TrueCar Certified Dealers. Incentives subject to certain terms, conditions and restrictions; see your TrueCar Certified Dealer for details.

Neither TrueCar nor American Express brokers, sells or leases motor vehicles. Each Certified Dealer sets its own pricing, and your actual purchase price is negotiated between you and the Certified Dealer. The Certified Dealer will confirm actual vehicle availability from in-stock inventory, including options and color choices.

American Express does not make any guarantees with respect to vehicle purchase. Fulfillment of this offer is the sole responsibility of the participating American Express merchant. Applicable for full car purchases, credit limitations apply

ShopRunner
Enrolling in the Benefit.
To get the free ShopRunner membership benefit compliments of American Express (the "benefit"), you must go to www.shoprunner.com/americanexpress and verify your eligibility for the benefit with an eligible Card account number and then completing the sign up for a ShopRunner membership account ("ShopRunner account").

You may also be able to enroll in this benefit through access provided to ShopRunner at participating online stores or through an email provided by American Express if it has determined that you have an eligible Card.

An "eligible Card" means an American Express U.S. Consumer or Small Business credit or charge Card that is not cancelled and that is issued to you by a U.S. banking subsidiary of American Express. Prepaid cards and products, American Express Corporate Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible. ShopRunner will verify with American Express the eligibility of your credit or charge card account number for the benefit.

Maintaining the Benefit.
To maintain this benefit on your ShopRunner account, you must maintain an eligible Card. The benefit may be cancelled on your ShopRunner account if you do not have an eligible Card. You can maintain only one benefit per eligible Card.

During your enrollment in the benefit, ShopRunner and American Express will verify your benefit eligibility.

Treatment of Existing ShopRunner Memberships.
If you enroll in the benefit and sign up with an existing ShopRunner account, ShopRunner will cancel the term of your existing ShopRunner account.

If you paid a fee for any unused portion of the cancelled term of membership, ShopRunner will provide you with a pro rata refund for that portion in accordance with ShopRunner's refund policy. The refund will be processed within 2-4 weeks after enrollment and will be issued to the payment method you used to pay the fee.

If a portion of the cancelled term of membership was promotional or free, the free period will be cancelled by ShopRunner and forfeited by you. If you currently have a free or promotional membership on your ShopRunner account, you should consider whether to enroll in the benefit at this time.

General Terms.
An eligible Card can be used to verify eligibility for only one benefit enrollment. American Express may receive and use your personal data from ShopRunner, which may include personally identifiable information and credit card information, to determine eligibility and further develop features and services related to the benefit. American Express may send you emails regarding your enrollment in this benefit. Any information American Express collects from you or from ShopRunner shall be governed by the American Express Online Privacy Statement (https://www.americanexpress.com/privacy). American Express may change, modify, cancel, revoke, or terminate this benefit at any time.

You can review these Terms and Conditions at any time by visiting https://www.shoprunner.com/terms/amex/.

Dispute Resolution
Not all disputes are resolved in the Card Member's favor.
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