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Membership Rewards®
Membership Rewards®

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If you have questions about these Terms and Conditions, 
Please Contact us at 1-800-AXP-EARN (1-800-297-3276)


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Terms and Conditions

1. IMPORTANT NOTICE


We may add to and/or change the Membership Rewards program Terms & Conditions at any time. For example, we could:

 

  • Change the number of points you can earn for eligible purchases
  • Change the number of points required to get rewards
  • Impose caps and/or fees on earning and/or using points
  • Increase annual and/or other program fees
  • Cancel rewards

We also may cancel the program at any time, as long as we give you three months' notice. During this three-month period, we may change or cancel some or all of the rewards that are current at that time. Once the three months have passed, you'll no longer be able to earn or use points.

 

Our merchants and rewards may change at any time. Card Members can only use points for rewards that are currently available. Certain rewards are only available for specific time periods.


Some rewards may have additional terms and conditions, including those from our merchants. To see detailed terms and conditions for a specific reward, find your reward on membershiprewards.com and then click the "Terms and Conditions" link on the reward detail page.

 

When you use points to get rewards, you release American Express and all of its affiliates from liability for your use of points, for the reward and how you use it, and for your participation in the program.


American Express and our merchants are not responsible for replacing lost, stolen or damaged certificates, tickets or gift cards.

 

We may refuse your request to use points if any of your Linked Card Accounts are past due, canceled or have a returned payment outstanding.

These Terms & Conditions apply to your participation in the Membership Rewards program. Your Card Member Agreement applies to your Linked Card Account.


2. WHO CAN USE THE PROGRAM & ANNUAL FEES


Not all Card Members are eligible to participate in the Membership Rewards program. Some eligible Card Members are automatically enrolled in the program at no additional charge. Other Card Members must choose to enroll and pay an annual fee. Each Card account or Card that is linked to your program account is called a Linked Card Account. Use the chart below to see if you are eligible for the program, whether you are automatically enrolled and whether there is an additional cost for enrolling. If your Card is not listed in the chart below, you are not eligible for the program.

Card/Product Name Automatically Enrolled?
Additional Cost to Enroll?
Consumer Cards
   
Amex EveryDay® Credit Card Yes None
Amex EveryDay® Preferred Credit Card Yes None
American Express® Green Card Yes None
American Express® Senior Green Card No $40
American Express® Traditional Green Card No $40
Some Blue from American Express® Cards Yes None
Centurion® Card from American Express Yes None
American Express Classic Gold Card Yes None
Traditional Gold Card from American Express No $40
Gold Optima® Card No None
Senior Gold Card from American Express No $40
Morgan Stanley Credit Card from American Express Yes None
Optima® Credit Card No None
Optima® Platinum Card® No None
Platinum Card® from American Express Yes None
Platinum Card® from American Express Exclusively for Charles Schwab Yes None
Platinum Card® from American Express Exclusively for Morgan Stanley Yes None
Platinum Card® from American Express for Goldman Sachs Yes None
The International Dollar Platinum Card®  Yes None
American Express® Gold Card Yes None
ZYNC® Card
Yes None
Business Cards    
Blue for Business® Credit Card Maybe* None
Blue Business Plus Credit Card Yes None
Business Centurion® Card Yes None
American Express Business Gold Card Yes None
Business Gold Rewards Card Yes None
American Express® Classic Business Gold Card Maybe* $40
Some Business Green Cards No $40
Business Green Rewards Card Yes None
Business Management Account No None
Business Membership Rewards® Card Yes None
Business Platinum Card® Yes None
Business Purchase Account No $40
Executive Business Card No $40
Platinum Business Credit Card® No None
Small Business Card No $40
Corporate Cards
Your company determines if your Corporate Card is eligible to
participate in the Rewards Program, and can change participation at any time.
   
American Express® Corporate Green Card No*** $55 
American Express® Corporate Gold Card Maybe**
None
Corporate Centurion® Card from American Express Maybe** None
Corporate Platinum Card® from American Express Maybe** None
Global Dollar Card - American Express® Corporate Platinum Card Maybe** None
Global Dollar Card - American Express® Corporate Card No*** $55 
Global Dollar Card - American Express® Corporate Executive Gold Card Maybe**
None

* Because some Cards vary in their benefits, you may need to contact us to find out if your Card is automatically enrolled in the program or if there is any additional cost to enroll.

 

** Your card will be automatically enrolled into the Membership Rewards Program, unless the company has blocked the Membership Rewards Program for your Card.

 

*** If a company blocks the Membership Rewards program, then the Card Member will not be eligible to enroll in the program.

 

Eligible Corporate Card Members are only able to enroll in the program with a Corporate Card issued in their name. Enrolled Corporate Cards from the same company can't be linked to the same program account.

 

Please note that if you already have a Card enrolled in Membership Rewards when you enroll a Business Charge or Credit Card, the Cards may be automatically linked.

 

The annual program fee will be billed to your Card account on your enrollment date anniversary each year. Your enrollment date is the day we complete processing your enrollment. Please note this fee is non-refundable. Eligible Cards must be not canceled or not past due to enroll in the program. Your enrollment in the program may be canceled if any of your Linked Card Accounts are past due, canceled or have a returned payment outstanding.

 

Basic and additional Corporate Card Members and Executive Corporate Card Members may enroll in the program unless their company has chosen not to enable participation in the program.

 

All eligible Cards and accounts must be issued by American Express or one of its affiliates in the U.S. and billed in U.S. dollars from an American Express Operations Center in the U.S.


Card eligibility may change at any time.


3. POINTS


Points are not your property. You can't transfer points to any other person or program account. Additionally, points can't be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce. 


The value of Membership Rewards points varies according to how you choose to use them. If you have more than one Card account linked to your Membership Rewards program account, the value of the points you receive will be determined using the Card that provides the highest point value. To learn more, go to www.membershiprewards.com/pointsinfo.