Terms and Conditions

Cash Back Program

You will earn cash back only on eligible purchases and in the form of Reward Dollars (reward dollars). You can use reward dollars to redeem for statement credits or for eligible items at Amazon.com checkout with no minimum redemption amount. You cannot use cash back to pay your Minimum Due. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of other cash equivalents, person-to-person transactions, or any portion of a purchase that is covered by Reward Dollars at point of sale. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit americanexpress.com/rewards-info for more information about rewards.

Cash Back Program – Amazon.com Redemptions

You can use Reward Dollars (reward dollars) with your linked card for eligible items at Amazon.com checkout. To use Reward Dollars (reward dollars), your Card Account must be eligible to earn reward dollars and must not be cancelled or past due. When you use reward dollars at Amazon.com, we will charge your Card Account for the purchase, deduct the reward dollars from the available reward dollars on your Card Account, and then apply a credit to your Card Account to reflect the reward dollars used. If the reward dollars you use don’t cover the full cost of the purchase, the difference will remain charged to your Card Account unless you pay the difference with an Amazon Gift Card. For example, if you spend $500 and use reward dollars to cover $300, we’ll charge your Card Account $500 and apply a $300 credit to your Card Account. You will see both the charge and statement credit on your account statement.

The credit to your Card Account may appear during a different billing cycle than the charge for the purchase. Even if you expect a credit on a future billing statement, you must pay the minimum amount due on each billing statement by the payment due date. In addition to these Terms and Conditions, the terms and conditions for Shop with Points at Amazon.com apply to eligible purchases made with reward dollars at Amazon.com.

To link the reward dollars on your Card Account to your Amazon.com account, you must first add your eligible Card Account to your payment methods on your Amazon.com account and then you can link the reward dollars on your Card Account to your Amazon.com account by either: (a) making a purchase with your eligible Card Account at Amazon.com; or (b) selecting Learn More next to your eligible Card Account at checkout and completing the steps. Please allow up to 72 hours for the reward dollars on your Card Account to be linked. If you want to use reward dollars on your first purchase after adding your eligible Card Account, you must link your Card Account via option (b) above. If you made a purchase at Amazon.com with your Card Account between September 2022 and October 2023, the reward dollars for that Card Account may have already been linked to your Amazon.com account.

When you link the reward dollars on your Card Account to your Amazon.com account, information about your Card Account will be shared with Amazon, and you'll be able to see and use the available reward dollars for that Card Account at Amazon.com. The information we share with Amazon will be used for the limited purposes of validating your eligibility to participate in Shop with Points at Amazon.com, linking your Amazon Site account to your American Express Card, and processing any purchases you choose to make by redeeming reward dollars. For more information about how we protect your privacy, please visit our Privacy Center.

All returns are subject to Amazon.com's policies and must be authorized by Amazon.com before we can credit your Card Account or return any reward dollars. If you used reward dollars for all or part of your order and any of the products related to your original order are returned, subject to Amazon’s return policy, you will receive a refund of the amount charged to your Card, subject to Amazon’s refund policy. If you would like the reward dollars returned to your Card Account instead of a refund, you must contact American Express within 60 days of receipt of the credit.

¹Eligible Card Members can redeem an Amex Offer by first enrolling in the offer in their online account or in the American Express^® App and then using their enrolled Card to pay. Only U.S.-issued American Express Consumer and Business Cards may be eligible. You may not be eligible to access Amex Offers if we, in our sole discretion, determine that you have previously engaged in abuse, misuse or gaming of the Amex Offers program. Offers are also available to Additional Card Members and available offers may vary for each eligible Card Member. Please review the terms of each offer for details on how to redeem. For full Program Terms, visit americanexpress.com/us/amexoffersterms/

²iOS and Android™ only. See app store listings for operating system info.

³Purchase Protection is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/PPterms. If You have any questions about a specific item, please call Us at 1-800-228-6855, if international, collect at 1-303-273-6497.

⁴Send & Split^® is only available in the American Express^® App (“Amex App”) to Card Members with an eligible Card. Eligible Cards are US-issued Basic Consumer Cards that are issued by American Express National Bank and are not cancelled. Prepaid Cards, American Express Corporate Cards, American Express Small Business Cards, American Express-branded cards or account numbers issued by other financial institutions and American Express Cards issued outside of the United States are not eligible Cards. To use Send & Split, you must first have an email address on file, enroll in Send & Split^® in your American Express Online Account (“Online Account”) and open an Amex Send^® stored balance account in the Amex App (“Send Account”). Send & Split allows you to: (i) send a person-to-person payment from your Send Account to Venmo and PayPal users (“Send”) and (ii) split a Card purchase (“Split”) and receive funds to your Card account as a statement credit or to your linked Venmo or PayPal account. You may use Send & Split^® with an Additional consumer Card that is issued in the US by American Express National Bank and is not cancelled if you also have an eligible Card in the same Online Account and that Online Account is enrolled in Send & Split. You must have or create an account with Venmo or PayPal and link your Online Account to your PayPal or Venmo account to use Send & Split. You must add money to your Send Account from your eligible Card(s) to Send to a Venmo or PayPal recipient. The money you add will be reflected in your Send Account balance. The charge on your Card for an Add Money transaction does not earn rewards and is subject to the Card’s purchase APR. Once the Send from your Send Account is available in the recipient’s Venmo or PayPal account, you do not have the ability to cancel the transaction. There is no fee to Send to US recipients. PayPal charges a fee to Send to non-US recipients. With Split, you can split pending or posted purchases that are made with your eligible Card in your Amex App. Once you select a purchase to Split, select the contacts you want to request to Split with. You can choose to get paid back as a statement credit to your Card account (a Split credit) or to your linked Venmo or PayPal account. Split credits to your Card account apply when we receive confirmation that the Split request was completed but may take 24-36 hours to post to your Card account. You are still responsible to pay the full purchase amount charged to your Card, regardless of whether you are paid back via Split. You earn rewards for purchases that you split in the same way that you earn rewards for other purchases. Other eligibility and restrictions apply. For complete details visit americanexpress.com/sendandsplitterms to view Terms & Conditions. Send Account issued by American Express National Bank.

⁵While Global Assist^® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members are responsible for the costs charged by third-party service providers. For full Terms and Conditions, see americanexpress.com/GAterms.