Read Insurance Terms and Conditions

1. Membership Rewards®
   Full Terms and Conditions for the Membership Rewards programme apply. Visit membershiprewards.co.uk/terms for more information.
   
   Membership Rewards points are earned for virtually every full £1 spent and charged, per transaction. Membership Rewards points are not earned on Balance Transfers, Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange, Fees and Interest Charges for Returned payments, Finance Charges, Late Payment and Referral Charges, Fees/Charges including joining, annual and Membership Rewards fees. Membership Rewards points never expire as long as the Account is active.
   
   Business Gold Quarterly Bonus
   With your American Express® Business Gold Card, you get at least one Membership Rewards® point for each pound you spend on your Card for eligible purchases. Now in addition with the bonus in any Quarter (Quarter 1: 1 Jan to 31 March inclusive, Quarter 2: 1 April to 30 June inclusive, Quarter 3: 1 July to 30 September inclusive, Quarter 4: 1 October – 31 December inclusive), you will receive 10,000 Membership Reward bonus points once you have spent a cumulative £20,000 in that Quarter. The Bonus Points will be transferred to your Membership Reward Account, and can be viewedon your Card Account statement. You will continue to earn one Membership Rewards point on eligible purchases in excess of £20,000 in each Quarter for each pound you spend on your Card for the rest of that Quarter. Qualifying spend in each Quarter cannot be carried over to the following Quarter. General Terms – Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges. Full Terms and Conditions for the Membership Rewards programme continue to apply. Visit membershiprewards.co.uk/terms for more information.
   
   
2. Cashflow
   The full 54 days to pay is obtained only if you spend on the first day of the new statement period and repay the balance in full on the due date.
   
   
3. Employee Cards
   Employee Cards, also known as "Supplementary Cards", allow you to share the benefits of your American Express Card with others close to you. You will be the main Cardmember and you will be liable for all charges made on the Supplementary Card(s). Supplementary Cardmembers must be aged 18 or over. Written details available on request. Approval subject to status and Terms and Conditions.
   
   
4. American Express Experiences
   Tickets are limited and subject to availability. Tickets must be purchased using your American Express Card. Please note that American Express Experiences refers to the name of the American Express programme rather than a description of ticket type. For full Terms and Conditions, visit americanexpress.co.uk/experiences.
   
   
5. Purchase Protection
   Description of Gold insurance coverages are provided in this document for informational purposes only. The Terms and Conditions provide complete coverage information and supersede all other sources. For the full list of Terms and Conditions, please click here.
   
   
6. Travel Insurance
   Full details of the travel protection benefits currently available can be found in the Terms and Conditions available at Gold Business Card Insurance Terms and Conditions. Please read this to understand the limits and exclusions that may apply.
   
   
7. The Hotel Collection
   The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel, Platinum Travel & Dining Concierge, Business Platinum Travel & Dining Concierge or the Dedicated Centurion^® Team, with participating properties and are valid only for eligible Business Gold Cardmembers, Preferred Rewards Gold Cardmembers, Preferred Rewards Gold Credit Cardmembers, Platinum Cardmembers or Centurion^® Members and excludes Platinum Credit Companion Cardmembers. 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. Noon check-in, late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of US$100 credit and additional amenity (if applicable) varies by property; the US$100 credit will be applied to eligible charges up to US$100. To receive the US$100 credit, the eligible spend must be charged to your hotel room. The US$100 credit will be applied at check-out. Advance reservations are recommended for certain 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 ca nnot 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 US Dollars or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC pr ogram benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card
   
   
8. Business Gold Dell Technologies Credit
   Benefit Terms 
   This benefit is governed by and subject to these Benefit Terms. By enrolling your Card Account into the benefit, you agree to these Terms.  
   
   A. The Benefit
   Enrol to the benefit using your eligible Business Gold Card. To receive the statement credit, make eligible spend at Dell Technologies online by visiting www.dell.co.uk/amex or by contacting a dedicated Dell Technologies Advisor on 0800 169 1745 . The benefit description and terms are displayed to you prior to enrolling into the benefit. After you enrol your Card into the benefit, you can continue to access the benefit description and terms until the benefit end date by visiting https://www.americanexpress.com/uk/business-gold-benefits
   
   B. Eligible Cards 
   Only the Basic Card Member on a Business Gold Card Account can enrol the Card Account into the benefit. Not all Cards are eligible for this benefit. If a Card you hold is ineligible, you will not be able to see the benefit, nor you will not be able to enrol the Card Account in the benefit.
   If you are issued with a replacement Card after enrolling the Card Account into the benefit and the benefit is still available, the replacement Card will be automatically enrolled into the benefit. 
   
   C. Statement Credits
   Purchases by both the enrolled Basic Cardmember and Supplementary Cardmembers on the enrolled Card Account are eligible for statement credits. Regardless of the date on which the Card Account is enrolled into the benefit, each Card Account is only eligible for up to £50 in statement credits between 1 January and 31 June and up to £50 in statement credits between 1 July and 31 December for a total of £100 per calendar year in statement credits across all Cards on the enrolled Card Account. Valid only on purchases made directly with Dell Technologies in the UK at www.dell.co.uk/amex or phoning a dedicated Dell Advisors on 0800 169 1745 . Not valid on online purchases shipped outside of the UK.Please allow [five working days] after an eligible purchase is charged to your Card Account for statement credit(s) to be posted to the Account – however this can take up to 60 days.Purchases may fall outside of the six-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 six-month benefit period. Statement credit may be reversed if the eligible purchase is returned/cancelled. Credit is not redeemable for cash or other payment forms.
   If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. This offer does not apply to purchases on non-American Express Cards you might hold or on transactions made using third party payment processors/ payment aggregators.To be eligible for this benefit, Card Account(s) must be not cancelled or suspended and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card.Please call the number on the back of the Card if statement credits have not posted after [60 days] from the date of purchase, if you deem your Card Account to be eligible
   
   D. Your Account Payments
   We can cancel your participation in the benefit or future benefits if you fail to pay your Card Account balance on time.
   
   E. Fraud / Misuse / Glitches 
   We can suspend or cancel the benefit if any fraud or misuse by users (as reasonably determined by us), technical failure or any other factors outside our control impairs the integrity or proper functioning of the benefit which may result in any loss or damage to American Express. We will try to give you reasonable notice of any such incident and take reasonable steps to ensure you are not unfairly impacted if the incident is due to something we have done or failed to do.  We can disqualify you from this or future benefits, and may reverse any credit already awarded, if you are suspected of fraud, misuse (as reasonably determined by us) or are in breach of any of these Terms.  
   
   F. Changes 
   We reserve the right to vary any eligibility criteria or Terms prior to you enrolling in the benefit. 
   
   G. Privacy & Security 
   We use your personal information such as name, email address, Account number and transaction information to manage your participation in the benefit (including sending notices and reminders) and track your spend. We will only ever use your personal information strictly in accordance with the [American Express Online Privacy Statement].
   
   H. Law
   The terms of the offer are governed by English law and the court of England will have non-exclusive jurisdiction over us and you.
   
   The Offer is provided by American Express Services Europe Limited (Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Company Number 1833139.)