Apply in minutes. Get a decision in seconds.
Apply in minutes. Get a decision in seconds.
Earn15,000 Membership Rewards® points
after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.†
Earn:
2XPoints for each dollar you spend on eligible purchases at AmexTravel.com.‡
1XPoints for each dollar you spend on eligible purchases.‡
Pay Over Time
The Pay Over Time feature lets you carry a balance with interest on eligible charges.‡
How it works:
- Eligible charges will be automatically added to a Pay Over Time balance, up to the Pay Over Time Limit.
- You can choose to pay for these charges over time with interest, or you can pay your full balance each month, whichever is best for your business.
- You must pay in full any charge or a portion of a charge that is not added to a Pay Over Time balance.
NEW: Find out if you're approved first –
with no impact to your personal credit score.
This application process may not be available if you leave the page and return later.
Terms and Conditions
Please scroll down to read important information about your rates, fees, and other cost information before submitting your application.
- I am an Authorizing Officer of the Company and I have read, met and agreed to all of the terms, conditions and disclosures as outlined below, which contain fee and other important cost information.
- I have provided current and accurate information, and I authorize American Express National Bank, in both my capacity as an individual and Authorizing Officer of the Company, to verify this information and to obtain reports from both the consumer and commercial reporting agencies.
- I understand that the Company’s business credit score (if any) may be impacted by submitting this application, and additional information may be required to complete my application.
- For security purposes, I understand that if my application is approved and I am presented the option to accept my card, my application will expire after 20 minutes of inactivity. I will need to accept the Card to be issued the Card, and after I accept, my personal credit score may be impacted.
Important information regarding rates, fees, and other cost information
Annual Percentage Rate (APR) for Pay Over Time Features
18.49% (Prime Rate + 10.99%) to 27.49% (Prime Rate + 19.99%), based on your creditworthiness as determined at the time of account opening. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
29.99% (Prime Rate + 25.99%)
This APR will vary with the market based on the Prime Rate.
This APR will apply to your account if you:
1) make a payment that is returned;
2) make 2 late payments in 12 billing periods; or
3) do not pay the Minimum Payment Due by the Closing Date of the billing period in which it is due.
How Long Will the Penalty APR Apply? If the Penalty APR is applied, it will apply for a minimum of 12 billing periods in a row, and will continue to apply until after you have made timely payments, with no returned payments for 12 billing periods in a row.
Paying Interest
Your due date is at least 25 days after the close of each billing period. We will not charge you interest if you pay your entire balance by the due date each month.
Annual Membership Fee
$95
- Foreign Transaction
- 2.7% of each transaction after conversion to US dollars.
- Late Payment
- $39 or 2.99% of any past due Pay in Full amount, whichever is greater.
- Returned Payment
- $39
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new transactions)."
Variable APRs will not exceed 29.99%.
Variable APRs for each billing period are based on the Prime Rate published in The Wall Street Journal on the Closing Date of the billing period. The Wall Street Journal may not publish the Prime Rate on that day. If it does not, we will use the Prime Rate from the previous day it was published. If the Prime Rate increases, Variable APRs will increase. In that case, you may pay more interest and have a higher Minimum Payment Due. When the Prime Rate changes, the resulting changes to variable APRs take effect as of the first day of the billing period. Variable APRs are accurate as of 04/16/2025.
TERMS AND CONDITIONS
View the full Card Member Agreement.
By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents. When you use the Account (or sign or keep the Card), you agree to the terms of the Card Member Agreement that will be provided to you for the Account. The Card Member Agreement includes an arbitration provision, which impacts the opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. We may change the terms of, or add new terms to, the Card Member Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law.
You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.
Additional Cards:
You must notify Additional Card Members that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Card Member Agreement. The maximum number of additional cards issued on each account is 99.
USA PATRIOT Act Notice:
Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
New York Residents:
New York residents may contact the New York State Department of Financial Services by telephone or visit its website for free information on comparative credit card rates, fees, and grace periods. New York State Department of Financial Services 1-800-342-3736 or www.dfs.ny.gov
Notice to Delaware Residents:
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.
Notice to Oregon Residents:
Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month. You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.
Notice to Ohio Residents:
The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
POID K0S0:9937
OFFER TERMS
You may not be eligible to receive a welcome offer if you have or have had this Card or previous versions of this Card. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.
You can earn 15,000 Membership Rewards® points after you make $3,000 (the "Threshold Amount") or more of eligible purchases on your Business Green Rewards Card during the first 3 months of Card Membership, starting from the date your account is opened. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of other cash equivalents. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. Membership Rewards® points will be credited to your account 8-12 weeks after you have met the Threshold Amount.
You can earn 15,000 Membership Rewards® points after you spend $3,000 or more on eligible purchases on your Card within your first 3 months of Card Membership starting from the date that your account is opened. In rare instances, your period to spend $3,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). Membership Rewards® points will be credited to your account 8-12 weeks after you have met the Threshold Amount.
This offer is not transferable. American Express reserves the right to modify or revoke offer at any time.
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
If we determine that you have engaged in abuse, misuse, or gaming in connection with this offer in any way or that you intend to do so, including if you return purchases you made to meet the Threshold Amount, we may not credit, we may freeze, or we may take away Membership Rewards points from your account. We may also cancel any accounts you have with us.
BENEFIT TERMS
The following benefits and services are subject to change or cancellation.
2X Membership Rewards® Points
Membership Rewards-enrolled Card Members get at least 1 Membership Rewards® point for every eligible dollar spent on their Membership Rewards program-enrolled American Express® Card. Those same Card Members will also get at least 1 additional point for each dollar of eligible travel purchases made on amextravel.com on their Membership Rewards program-enrolled American Express Card. Corporate Card Members are not eligible for the additional point. Eligible travel purchases include all travel purchases made with your Membership Rewards program-enrolled American Express® Card on amextravel.com, including air, prepaid hotels, prepaid short-term rentals, prepaid car rentals, vacation packages (flight + hotel packages) or cruise reservations, minus returns and other credits. Platinum and Business Platinum Card Members are only eligible for 1 additional point on cruise reservations. Eligible travel purchases do NOT include non-prepaid car rentals, non-prepaid hotels, ticketing service or other fees, or interest charges. Additional point bonuses you may receive with your Card on other purchase categories from American Express may not be combined with this offer (e.g., 5X bonuses for Platinum and Business Platinum Card Members, 3X bonuses for Business Gold Card Members, 2X bonus on your first $50,000 in purchases for Blue Business Plus Card Members or 1.5X bonuses for Business Centurion and Business Platinum Card Members, etc.). Any portion of a charge that you elect to cover through redemption of Membership Rewards points is not eligible to receive points. Additional points will be credited to the Membership Rewards account 10-12 weeks after final payment is made.
Account Manager
Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.
American Express Venue Collection™
American Express Venue Collection™
The American Express Venue Collection provides American Express® Card Members with a Consumer or Business American Express Card issued by American Express in the US with access to a set of benefits at stadiums and arenas for select events. American Express cards issued by third-party financial institutions, American Express Corporate Cards, American Express Debit Cards, and American Express Prepaid Cards are not eligible. All benefits are subject to specific terms & conditions. Some benefits will be fulfilled by the venue and are subject to terms & conditions set by the venue, as applicable. Benefits cannot be redeemed for cash, transferred, or substituted. Void where prohibited by law. For more information, including specific benefit terms & conditions and venues included as part of the collection, please visit americanexpress.com/venues.
American Express Venue Collection™ Concessions Statement Credit
American Express Venue Collection™ Concessions Statement Credit
To redeem, Card Members must first enroll an eligible Card in this offer and then use that same Card to make a qualifying purchase. Eligible Cards are Consumer and Business American Express® Cards issued by American Express in US. American Express Corporate Cards, Debit Cards, Prepaid Cards, and American Express-branded cards issued by other financial institutions are not eligible. Limit of a total of $250 USD back in statement credits per enrolled Card each calendar year on qualifying purchases made across venues in the American Express Venue Collection™. Qualifying purchases include food and beverage concessions purchases made in-person at point of sale and at self-service kiosks at venues in the American Express Venue Collection™. At Hollywood Bowl, qualifying purchases also include purchases made in the Hollywood Bowl app or via web browser. The following are not qualifying purchases: Purchases in Amazon-operated Just Walk Out Stores, suite and catering orders, in app purchases at venues not specifically identified above, ticket sales, restaurants, transportation, parking, gift cards, merchandise, and all other non-concession purchases made at American Express Venue Collection venues. An up-to-date list of venues in the American Express Venue Collection can be found at americanexpress.com/venues/. Offer ends December 31, 2026. Participation in Amex Offers is subject to Amex Offers Program Terms. To view full terms for each eligible Card and enroll in this offer, scan the QR Code on signage at the venue or visit https://www.americanexpress.com/en-us/benefits/membership/experiences/venues/concessions-enrollment/.
American Express Venue Collection™ Entrances and Fast Lanes
American Express Venue Collection™ Entrances and Fast Lanes
American Express Card Member entrances and/or fast lanes are available at venues in the American Express Venue Collection. Card Member entrances and fast lanes may not be available for all events; hours of availability may vary and are subject to change. Entrances and fast lanes may be modified or discontinued at any time and without notice. Card Members must have a valid ticket to the event and can access the Card Member entrance or fast lane by presenting a valid American Express Card in the Card Member's name. The number of guests that may accompany a Card Member through a Card Member entrance of fast lane may vary by venue. Additional terms may apply by venue and by event (including, without limitation, security protocols). American Express does not operate the Card Member entrances or fast lanes; the applicable venue operates the entrance. Venue personnel reserve the right to not allow Card Members and their guests admittance through the Card Member entrance or fast lane for any reason, including, without limitation, not adhering to security protocols. To learn more about a specific venue, please visit americanexpress.com/venues.
American Express® App
The American Express® App and app features are available only for eligible accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible.
To log in, customers must have an American Express user ID and password or create one in the app.
Amex Offers
Eligible 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 www.americanexpress.com/us/amexoffersterms/.
Amex Presale Tickets™
Amex Presale Tickets™ (formerly referred to as American Express Early Access)
American Express® Card Members have access to purchase Amex Presale Tickets for select events and select seats, during a specified period prior to the general on-sale dates for those events. Tickets must be purchased using an American Express Card. An American Express Prepaid Card cannot be used to purchase tickets. Amex Presale Tickets are sold by and fulfilled by third party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Amex Presale Tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.
Amex Reserved Tickets™ (formerly referred to as American Express Access)
Amex Reserved Tickets™ (formerly referred to as American Express Access)
American Express® Card Members have access to purchase Amex Reserved Tickets for select events and select seats, during a specified period. Tickets must be purchased using an American Express Card. An American Express Prepaid Card cannot be used to purchase tickets. Amex Reserved Tickets are sold by and fulfilled by third-party ticket sellers (not American Express), and such tickets are subject to the rules, terms and conditions, prices and fees set by the ticket seller, event promoter and/or the venue. Amex Reserved Tickets are subject to availability and supply may be limited. Not all seats may be offered; purchase limits and blackout dates may apply. Refunds, exchanges, and resale may be prohibited by the ticket seller. For more information, please visit americanexpress.com/entertainment.
Cashflow and Payback Period
Depending on when you make a purchase on your Card, you have between 25 to 53 days to pay with no interest, provided you have paid the prior month's statement balance and current statement balance in full by the due date. You will have 25 calendar days for purchases made on the last day of the billing period and 53 calendar days for purchases made on the first day of the billing period.
Connect to QuickBooks
Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.
Dispute Resolution
Not all disputes are resolved in the Card Member's favor.
Employee Card - Category Alerts
Merchants are categorized based on what they primarily sell. You will not receive an alert if an Employee makes a purchase at a merchant from an approved category, whether or not you consider that purchase to be a part of a particular category.
Employee Card Spending Limits
Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.
Events with Amex™
Events with Amex™
The Events with Amex™ program is available to American Express® Card Members. American Express Prepaid Cards are not eligible. All benefits are subject to specific rules and terms & conditions. Card eligibility and/or Card exclusions, if any, will be set forth in a specific benefit's terms & conditions. Tickets offered as part of the Events with Amex program are fulfilled by the ticket seller and subject to rules, terms & conditions, and fees set by the ticket seller, event promoter and/or the venue, as applicable. All benefits are subject to availability and may be changed or revoked at any time. These benefits are provided "as is" with no warranty or guarantee, either express or implied. Benefits are provided on a first come, first serve basis. American Express does not guarantee every Card Member will be able to redeem every benefit. Benefits cannot be redeemed for cash, transferred, or substituted. Benefits may be canceled or modified at any time. Void where prohibited by law. For more information, including specific benefit terms & conditions, please visit americanexpress.com/experiences.
Events with Amex™ - Amex Fan Experiences
Amex Fan Experiences
American Express hosts American Express Fan Experiences at select music festivals and sporting events. In 2024, Fan Experiences are available at select events including Coachella Valley Music and Arts Festival, US Open Golf Championship, WNBA All-Star games, The Championships Wimbledon, British Summer Time Hyde Park, All Points East, US Open Tennis Championships, Austin City Limits Music Festival, and select F1 races taking place in the Americas. The music festivals and sporting events at which Fan Experiences are hosted are subject to change year-over-year, including Card Member eligibility and terms. American Express Card Members who have a valid ticket to an applicable event can visit the Fan Experience by presenting a valid American Express Card in their name. American Express Prepaid Cards are not eligible. The number of Card Member guests permitted may vary by event. Capacity limitations apply. Additional rules and terms may apply by event. American Express reserves the right to not allow or to remove Card Members and their guests from the Fan Experience for any reason, including, without limitation, not adhering to applicable rules and terms of the Fan Experience. To the extent alcohol is available at the Fan Experience, you must be 21 years of age or older to consume alcoholic beverages; please drink responsibly. Fan Experiences may be modified or discontinued at any time and without notice. For more information, please visit americanexpress.com/experiences.
Events with Amex™ - Exclusive Merchandise and Offers
Exclusive Merchandise and Offers
From time to time and at select events, venues and pop-ups presented by American Express, American Express Card Members will have the opportunity to take advantage of special offers, which may include gift with purchase offers, exclusive merchandise offers, exclusive discount offers, and/or statement credit offers. Offers are available while supplies last and for a limited time. Such offers are subject to specific terms & conditions. Card eligibility and/or Card exclusions, if any, will be set forth in a specific offers terms & conditions. Card enrollment may be required. Purchase-based offers must be redeemed using an eligible American Express Card. Purchase or other limitations may apply to such offers. Any attempt by a Card Member to obtain and/or exceed any offer limitation may result in disqualification from the offer. All purchases are final. Item is provided "as is" with no warranty or guarantee, either express or implied. Item is provided on a first come, first serve basis, while supplies last. American Express does not guarantee every Card Member who wishes to do so will be able to take advantage of an offer. Items associated with an offer (where applicable) cannot be redeemed for cash, transferred, or substituted. Offer has no cash value. Offer may be cancelled or modified at any time. Void where prohibited by law. For more information about exclusive merchandise and offers available at specific events or venues, please visit americanexpress.com/experiences.
Global Assist® Hotline
While 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.
Insider Fares
Insider Fares are valid only for Membership Rewards® program-enrolled Cards when a Card Member is booking through AmexTravel.com. Insider Fares will display in search results on AmexTravel.com only if an eligible Card Member is logged into his/her account and has enough Membership Rewards points for the entire fare; otherwise, publicly available fares will display. Insider Fares are fares for which less Membership Rewards points are required to purchase the flight. The entire amount of the purchase must be covered using Membership Rewards points. Insider Fares are only available on select flights. When purchasing an Insider Fare, the dollar amount of the fare will be charged to the Card Member's account and a credit will be issued in that dollar amount on the Card Member's statement; additionally, the number of Membership Rewards points required for the fare will be deducted from the Card Member's Membership Rewards account balance. Participating airlines and benefits are subject to change. For more information about the Membership Rewards program visit www.membershiprewards.com/terms.
Lowest Hotel Rates Guarantee
Valid only for American Express Card Members. If you book a qualifying hotel rate on amextravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, the same rate type and cancellation policy at a lower price online, before taxes and fees, we'll refund you the difference. For pre-paid reservations, your claim must be submitted prior to your stay, before the date of check-in. For verification of "pay later" hotel bookings, your claim must be submitted within thirty (30) days after you have completed the hotel stay, and the customer service representative may instruct you to mail a copy of your hotel receipt to American Express within that time period. American Express will honor the lower price for verified requests. The "Lowest Hotel Rates Guarantee" policy applies only to online rates available to the general public and excludes (1) rates or discounts that are not available to the general public, including, but not limited to, corporate, group, charter, meeting/convention, AAA, government/military, and senior citizen rates/discounts; or (2) hotel rooms booked through or in combination with frequent stay, loyalty, points, coupon promotions, rooms won through contests or sweepstakes or transferred, or rooms booked on opaque websites that do not allow you to see the name of the hotel until your reservation is complete; or (3) promotional packages, deals, all-inclusive packages, or bundles that may include additional amenities such as parking, meals, or entertainment, or (4) rates booked through the Fine Hotels + Resorts® and The Hotel Collection programs. Details
Membership Rewards® Pay with Points
To use Pay with Points, you must charge your eligible purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Eligible purchases through American Express Travel exclude non-prepaid car rentals and non-prepaid hotels. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Minimum redemption 5,000 points.
See membershiprewards.com/terms for the Membership Rewards program terms and conditions.
If a charge for a purchase is included in a Pay Over Time balance on your Linked Account the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card. Corporate Card Members are not eligible for Pay Over Time.
Membership Rewards® Program
Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.
The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
Membership Rewards® Program – Points for Statement Credit
Once you redeem, points will be deducted from your Rewards Account immediately and your statement credit will generally appear within 48 hours. If we process the statement credit after your Card Account closing date, it will appear on your next statement. Statement credits cannot be used to pay your Minimum Payment Due. Please remember to pay the Minimum Payment Due on your Card Account by the due date. If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount. All redemptions are final and cannot be reversed or expedited. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. The value of Membership Rewards® points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.
Membership Rewards® Program - Transfer Points
Enrollment in a participating Frequent Flyer or Frequent Guest program is required. Airline tickets and guest rooms are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. We may offer you the option to redeem points to cover this fee.
No Preset Spending Limit
No Preset Spending Limit means your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.
Pay Over Time Option
Eligible Charges: Eligible charges made by you or any Additional Card Member on your account can be paid over time. The following types of charges are ineligible for Pay Over Time: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, certain insurance premiums, casino and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us. In addition, statement credits for eligible purchases, or any reversals of a statement credit, may be applied to either your Pay Over Time balance or Pay In Full balance regardless of where the eligible purchases originally posted. Any charge subject to a foreign transaction fee is not eligible to be moved to Pay Over Time on your Closing Date.
Pay Over Time Settings: Pay Over Time on your account is initially set to On. There are two settings, On and Off. When set to On, eligible charges will be automatically placed in your Pay Over Time balance, up to your Pay Over Time Limit. When set to Off, no new charges will be included in your Pay Over Time balance. You can change this setting by visiting your online account or calling the number on the back of your Card.
Interest on your Pay Over Time balance: For charges added automatically to a Pay Over Time balance, at the time they post to your account, we charge interest beginning on the date of each charge. For charges that we automatically move from your Pay in Full balance to your Pay Over Time balance on your Closing Date, we charge interest from the day after they are added to your Pay Over Time balance. We will not charge interest on charges automatically added to your Pay Over Time balance if you pay your account Total New Balance by the Payment Due Date each month. If at the time you turn on Pay Over Time, you're already carrying a Pay Over Time balance from your last billing period, we will charge interest on new eligible charges added to a Pay Over Time balance from the transaction date. However, for charges that we move from your Pay In Full balance to your Pay Over Time balance on your Closing Date, we will charge interest from the day after they are added to your Pay Over Time balance. You must pay in full, by the Payment Due Date, any charge or portion of a charge that is not added to a Pay Over Time balance.
Pay Over Time Limit: We assign a Pay Over Time Limit to your Account. Your Pay Over Time Limit is the maximum amount you may carry as a balance. We may increase or decrease the amount of your Pay Over Time Limit and will tell you if we change that amount. Your Pay Over Time Limit may be different than the total amount you are allowed to spend on your Card. You must pay at least the Minimum Payment Due by the Payment Due Date each month to keep your account in good standing. The Minimum Payment Due includes all Pay in Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.
No Preset Spending Limit: No Preset Spending Limit means your spending limit is flexible. Unlike a traditional Card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.
Rewards Disclosure for Employee Cards
Terms, conditions and restrictions vary by individual Card products.
Seller of Travel
American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit www.americanexpress.com/travelterms.
California CST#1022318; Washington UBI#600-469-694
Total Card Limit for Employee Cards
You may add up to 99 total Employee Cards on your account.
Using Points for Charges
You can use points to cover eligible charges on your Card Account only if you're the Basic Card or Basic Business Card Member. You also may be able to use points for this purpose if you're the Account Manager or Rewards Manager for a Card Account. Corporate Card Members are not eligible.
The list of eligible charges can change from time to time without notice. We do not have to make any charges eligible for you to cover with points.
Generally, an eligible charge is one that:
● Occurs in the U.S. or in a U.S. territory
● Appears in your recent activity online or in your current statement
● Has never been disputed
● Is at least $1
You may use points only toward the entire amount of an eligible charge.
We'll deduct the points from your Rewards Account right away and we'll credit your Card Account within 48 hours. If we process the credit after your Card Account's closing date, it will not appear until your next statement. In this case, you must still pay the amount due on your current Card statement by the due date. If you are enrolled in AutoPay, redeeming points for a statement credit will not reduce or adjust your prescheduled AutoPay amount.
Offer Terms
If a limited time offer appears, it is valid for solicited U.S. Membership Rewards® program enrollees only. Offer is not transferable and may not be combined with other offers. American Express in its sole discretion reserves the right to alter and or terminate this offer at any time. If you return to redeem points later, this offer may no longer be available. To be eligible to receive this offer, all Card accounts linked to an enrollee's Membership Rewards program account must not be canceled, past due or have a returned payment outstanding at the time of point redemption. Individual terms, conditions and restrictions apply to the respective Membership Rewards offers.
Vendor Pay
Vendor Pay by Bill.com is available on American Express Business and Corporate Cards. Card Members must sign up for Vendor Pay and enroll the Card for payments by going to www.americanexpress.com/vendorpay. Not all suppliers may accept American Express virtual payments. The Basic plan has no monthly fee for the first user and no fee for a second user for six months from when the first user signs up. After six months, the second user will have a fee of $15 per month. The Advanced version has a monthly fee of $59 or $99 per user depending on select accounting systems. The monthly fees are set by Bill.com and subject to change at Bill.com's discretion. Fees are in addition to American Express Card fees. There are additional per transaction fees for check and ACH services.
Year–End Summary
The Online Year–End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.
AMEX ASSURANCE COMPANY DISCLOSURES
For important information on policy terms, go to americanexpress.com/benefitsguide
Baggage Insurance Plan
Baggage Insurance Plan is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/BIPterms. 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.
Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/CRLDIterms. If You have any questions about a specific vehicle, please call Us at 1-800-338-1670, if international, collect at 1-303-273-6497.
Extended Warranty
Extended Warranty is underwritten by AMEX Assurance Company. Subject to additional terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/EWterms. 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.
Purchase Protection
Purchase 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.
We are reviewing your submitted application
While your application is processing, please don't hit your browser back button or reload the page