Important information regarding rates, fees, and other cost information

As High As 300,000 Membership Rewards^® points Welcome Offer
After you submit your application and before you accept the Card (if you are approved), we will tell you if you are eligible for a welcome offer and the exact amount of Membership Rewards^® points which you are eligible to earn with your Welcome Offer, which will be an amount as high as 300,000 Membership Rewards^® points. This means that the amount of points which you are eligible to earn with your Welcome Offer may be less than 300,000 Membership Rewards^® points. You can earn these points after you spend $20,000 (the "Threshold Amount") or more in eligible purchases on your Business Platinum Card^® within the first 3 months of Card Membership starting from the date your account is opened. Eligible purchases to meet the $20,000 purchase requirement 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. 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. 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.

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.

Your period to spend $20,000 may be shorter than 3 months depending on when you receive 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. In rare circumstances, you may need to pay down your balance during the billing cycle to help free up your spending capacity to make purchases to meet the Threshold Amount. It may take a few days after payment for your spending capacity to be updated.

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 the Membership Rewards^® points from your Card Account. We may also cancel any Card Accounts you have with us.

Offers may vary and you may see different offers in different advertisements. To take advantage of this specific offer, apply through this advertisement. This offer is not transferable. American Express reserves the right to modify or revoke this 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.

Annual Membership Fee
The annual fee for the Business Platinum Card^® is $895.
The annual fee for each Employee Business Platinum Card^® is $400. Employee Business Expense Cards that have no annual fee are also available. You may add up to 99 total Employee Cards on your account.

$219 CLEAR+ Credit

Basic Card Members can earn up to $219 in statement credits per calendar year when their Business Platinum Card^® or Additional Cards on the Account are used to pay for an annual CLEAR+ Membership. Enrollment in CLEAR+ is required and is subject to CLEAR's terms and conditions. American Express has no control over the application and/or approval process for CLEAR and does not have access to any information provided to CLEAR by the Card Member or by CLEAR to the Card Member. American Express has no liability regarding the CLEAR program. If a Card Member's application is not approved by CLEAR, CLEAR will refund the charges. If the statement credit benefit has been applied before CLEAR refunds the charges, that statement credit will be reversed. Statement credit(s) may not be received or may be reversed if the qualifying purchase is returned, refunded, cancelled or modified. Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $219 across all Cards on the Account per calendar year. For additional information on the CLEAR program, including information regarding Membership, eligibility, and for a list of participating locations, as well as the full terms and conditions of the program, please go to www.clearme.com. The CLEAR program is subject to change, and American Express has no control over those changes.

CLEAR+ Membership will automatically renew each year, subject to applicable law, unless you notify CLEAR that you want to cancel. This means that CLEAR will collect the then-applicable Membership fee and any taxes by charging a card CLEAR has on record for you without notifying you unless such notification is required by applicable law. To learn more about CLEAR+ Membership cancellation deadlines and cancellation requirements, please visit CLEAR's Support & FAQ page.

Please allow up to 8 weeks after a qualifying CLEAR transaction is charged to the Card Account for the statement credit to be posted to the Account. American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if a qualifying CLEAR transaction is made on December 31st but the merchant processes the transaction such that it is identified to American Express as occurring on January 1st, then the statement credit available in the next calendar year will be applied if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit.

American Express also relies on information provided to us by the merchant to identify qualifying purchases. If American Express does not receive information that identifies your transaction as qualifying for this benefit, the Basic Card Member will not receive the statement credit. Basic Card Members may not receive the statement credit if we receive inaccurate information or are otherwise unable to identify your purchase as qualifying, if a transaction is made with an electronic wallet or through a third party (such as an app store), or if the merchant uses a mobile or wireless card reader to process it.

If the Card Account is cancelled or past due at the time of statement credit fulfillment, it may not qualify to receive a statement credit. If your Card has been replaced, make sure that the most up-to-date Card information is on file with CLEAR so that you can continue to receive the statement credits. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a qualifying CLEAR transaction is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. If you have questions about how a statement credit is applied to your account, call the number on the back of your Card.

$600 Hotel Credit

Basic Card Members on U.S. Business Platinum Card Accounts ("Card Account") are eligible to receive up to $600 in statement credits per calendar year when they or eligible Employee Card Members on the Card Account use their Cards to pay for eligible prepaid Fine Hotels + Resorts^® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex Travel App™, the Amex^® App, or by calling the phone number on the back of their eligible Card). Purchases by both the Basic Card Member and any Employee Card Members on the Card Account are eligible for statement credits. The total amount of statement credits for eligible purchases will not exceed $300 semi-annually for a total of up to $600 per calendar year in statement credits across all Cards on the Card Account. Each semi-annual eligibility period is defined as January to June and July to December. Starting on September 18, 2025, customers will have $300 available for use, expiring on December 31, 2025. Fine Hotels + Resorts^® program bookings may be made only by eligible U.S. Business Basic and Employee Business Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Business Basic and Employee Business Platinum and Employee Business Expense Card Members. To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after September 18, 2025, that is prepaid, for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible bookings must be processed within the eligibility period to be eligible for statement credits within that period. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise).

Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31 but the merchant processes the transaction such that it is identified to us as occurring on January 1, then the statement credit available in the next eligibility period will be applied, if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Statement credit(s) may not be received or may be reversed if the booking is refunded, cancelled, or modified. If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide, and may reverse, any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card 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. Please refer to AmericanExpress.com/FHR and AmericanExpress.com/HC for more information about Fine Hotels + Resorts and The Hotel Collection, respectively.

$200 Airline Fee Credit

Benefit is available to Business Platinum Card® Members only. To receive statement credits of up to $200 per calendar year toward incidental air travel fees, Card Member must select one qualifying airline at www.americanexpress.com/airlinechoice. Qualifying airlines are subject to change. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. The qualifying airline Business Platinum Card Members select for this $200 benefit and the 35% Airline Bonus must be the same. Statement Credits: Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Incidental air travel fees charged by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card Member's airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental air travel fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 6-8 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express also relies on the airlines' processing of transactions to determine the transaction date. If there is a delay in the airline submitting the transaction to us or if the airline uses another date as the transaction date then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. If you have transferred to a different Card at the time the airline submits the transaction, you may not receive the statement credit. Card Members remain responsible for timely payment of all charges. Statement credits may not be received or may be reversed if the purchase is cancelled, modified, or returned. To be eligible for this benefit, Card Account(s) must be not canceled and not past due at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information about this benefit, call the number on the back of your Card.

$200 Hilton Statement Credit

Benefit enrollment required. Basic Card Member must have a valid Hilton Honors account and Hilton for Business account to be eligible. If a Card Member does not have a Hilton for Business account, they will be registered for one as part of the benefit enrollment process. If a Card Member already has a Hilton for Business account tied to the Hilton Honors number entered, they will be enrolled in the $200 Hilton Statement Credit only. A Hilton Honors number is required to register for a Hilton for Business account and Card Members are required to have a Hilton Honors number before enrolling for the statement credit benefit. If an existing Hilton for Business account matching your information is identified, that Hilton for Business account may be linked to the Card. If an existing Hilton for Business account cannot be identified or you do not have a Hilton for Business account, a new account will be created for you. If you would like to manage your Hilton for Business account(s), please contact Hilton at 1-800-4HONORS. For questions on Hilton Honors, including on how to register for the Hilton Honors program, please contact Hilton at 1-800-4HONORS. Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card® Account can enroll the Card Account in the benefit through the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card.

Once the Card Member requests enrollment in the $200 Hilton Statement Credit, American Express will share their enrollment information with Hilton. Hilton may use this information in accordance with its privacy policy available at hilton.com/en/p/global-privacy-statement. Enrollment is not effective until the customer has received an email or letter from American Express confirming enrollment; any Hilton purchases prior to receipt of that confirmation will not qualify for the benefit. If you believe you've enrolled but haven't received an email or letter, please call the number on the back of the Card.

Eligible purchases, including bookings and incidental charges, must be charged directly with a property within the Hilton portfolio to the enrolled Card Account for the benefit to apply. Gift Card purchases are not an eligible purchase and are excluded from the benefit. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credit. However, each Card Account is only eligible for up to $50 in statement credits per quarter for a total of up to $200 per calendar year in statement credits across all Cards on the enrolled Card Account. Each quarterly eligibility period is defined as January to March, April to June, July to September, October to December. Please allow 8-12 weeks after an eligible purchase is charged to the Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not been posted after 12 weeks from the date of purchase. Statement credit(s) may be reversed if the eligible purchase is cancelled or modified or if you engage in abuse or misuse in connection with the benefit. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit.

American Express relies on the merchant's processing of transactions to determine the transaction date. The transaction date may differ from the date you made the purchase. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, the January statement credit would be applied.

American Express also relies on information provided to us by the merchant to identify eligible purchases. If American Express does not receive information that identifies your transaction as eligible for this benefit, the Basic Card Member will not receive the statement credit. For example, your purchase will not be eligible if it is not made directly with Hilton (e.g., if a purchase is made at a restaurant or convenience store within a Hilton property). Basic Card Members may not receive the statement credit if we receive inaccurate information or are otherwise unable to identify your purchase as eligible, if a transaction is made with an electronic wallet or through a third party (such as an app store), or if the merchant uses a mobile or wireless card reader to process it. Bookings or purchases made through a third party, such as an online travel website, are not eligible for statement credit(s). At certain hotels, if your booking is part of a contract for an event, the purchase may not be eligible for a statement credit. For incidental charges (including charges made at restaurants, spas, and other establishments within the hotel property) to be eligible for a statement credit, the incidental charge must be charged to your room and paid for with an eligible Business Platinum Card® at checkout.

To be eligible for this benefit, Card Account(s) must not be cancelled or past due and Card Member(s) must be enrolled in the Hilton for Business Program at the time of statement credit fulfillment. If your Card has been replaced, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card.

Hilton for Business Program

The Hilton for Business program, including the benefits of the Hilton for Business program, are subject to change and subject to Hilton for Business Terms and Conditions; see https://www.hilton.com/en/business/hilton-for-business-terms/ and www.HiltonForBusiness.com. Full details on Hilton for Business program benefits are available at www.HiltonForBusiness.com.

2X Membership Reward Points Earn for Cruises

2x Membership Rewards^® points on Cruise Bookings: U.S. Consumer and Business Platinum and Centurion^® Card Members enrolled in the Membership Rewards program will receive one (1) additional Membership Rewards^® point per dollar spent on eligible cruise bookings. Eligible cruise bookings include new cruise bookings charged directly to your eligible Card through AmexTravel.com or by calling the number on the back of your Card, minus returns and other credits. Any charges on your eligible Card made outside of American Express Travel will not qualify for additional points, including installments or other payments made directly to a cruise line. Airfare and other charges incurred as part of your cruise booking made through American Express Travel are eligible for additional points. Other charges made directly with the travel supplier will be bonused in accordance with the terms and conditions of your eligible Card product. If cruise bookings are made or modified directly with the cruise provider, the booking will not be eligible for additional points. If the booking is cancelled, the additional points will be deducted from the applicable Membership Rewards account. Any additional points received will be reflected in your Membership Rewards account 10-12 weeks after payment is made. Your eligible Card Account(s) must not be cancelled, past due, or otherwise suspended at the time of fulfillment to receive any additional points.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant's code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

2X Membership Rewards^® Points on American Express Travel^® Online

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 or the Amex Travel App^™ 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 or the Amex Travel App^™, including air, prepaid hotels, prepaid short-term rentals, prepaid car rentals, 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 The Platinum Card^®, American Express^® Gold Card, 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^® Credit Card Members, 2X bonuses on key business categories and eligible purchases of $5,000 or more for Business Platinum^® Card Members, or 1.5X bonuses for Business Centurion Card Members, etc.). Any portion of a charge that you elect to cover through redemption of 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.

2X Membership Rewards^® Points on Key Business Categories and Eligible Purchases of $5,000 or More

You get 2X Membership Rewards^® points per dollar on up to two million dollars ($2,000,000) of eligible purchases on your Card Account per calendar year, made in any of the following categories: (1) U.S. construction material and hardware suppliers, (2) U.S. electronic goods retailers and software & cloud system providers, (3) at U.S. shipping providers, or (4) eligible purchases of $5,000 or more. Purchases eligible for multiple categories will only receive 2X points for one category. For example, a single eligible purchase made within one of the aforementioned categories that is also $5,000 or more will only receive a total of 2X points per dollar. Additional point bonuses you may receive with your Card on other purchase categories from American Express may not be combined with this benefit (e.g., 5X bonuses for Business Platinum Card Members, etc.). Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. For example, for a single eligible purchase of $10,000 on a scheduled flight made online at AmexTravel.com or the Amex Travel App™ that would otherwise qualify for 2X points and 5X points, will earn a total of 50,000 points, or 5X points per dollar, because 5X points is the highest eligible bonus. For additional information please visit https://www.americanexpress.com/us/rewards-info/business.html.

You will not get the extra points associated with this benefit if American Express does not receive information that identifies your transaction as eligible for the benefit. For example, a purchase transaction of $5,000 or more will not qualify if the merchant divides the purchase into transactions of less than $5,000 before providing the information to American Express. Airlines, hotels, retailers, aggregators, and online marketplaces are a few examples of merchants that may divide purchases into smaller transactions. Transactions may be divided by date of availability, shipping date, ticket, or reservation, among other things.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, purchases of other cash equivalents, or purchases covered by points or other rewards at point of sale. To be eligible to receive extra points, Card account(s) must not be cancelled or past due at the time of fulfillment. You will typically receive the extra Membership Rewards points 8-12 weeks after the billing period in which you make the eligible purchase.

Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

35% Airline Bonus

Basic Card Members on U.S. Business Platinum Card^® Accounts can receive 3.5 points back for every 10 points redeemed using a Basic or Additional Card on the account towards all or part of an eligible booking, up to 1,000,000 points back per Membership Rewards^® account per calendar year limit. Points received through the 35% Airline Bonus are subject to the limit as of the date on which the redemption occurred. An eligible booking is any prepaid flight booking with the Basic Card Member's selected qualifying airline through American Express Travel^® using Pay with Points. Flights booked as part of a travel package do not qualify for the 35% Airline Bonus benefit. Pay with Points redemptions must be made at the time of booking from the Membership Rewards^® account connected to the Basic Card Member's Business Platinum Card Account. A minimum redemption of 5,000 points is required. To be eligible, the Business Platinum Card Account must not be cancelled at the time of benefit fulfillment. If an eligible booking is cancelled, any points received through the 35% Airline Bonus benefit will be removed from the Membership Rewards^® account. Points received through the 35% Airline Bonus benefit will typically be credited to the Membership Rewards^® account within 48 hours after the charge for the eligible booking posts to the Card Account, but it may take up to 12 weeks.

Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. They must select a qualifying airline at https://global.americanexpress.com/card-benefits/enroll/airline-bonus/business-platinum. If the Basic Card Member wishes to select Southwest Airlines as their qualifying airline for the 35% Airline Bonus benefit, Card Member must call Business Platinum Travel Service at 1-800-553-9497 to book. Qualifying airlines are subject to change. Basic Card Members who have not chosen a qualifying airline will be able to do so at any time. Basic Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at https://global.americanexpress.com/card-benefits/enroll/airline-fee-credit/business-platinum or by calling the number on the back of their Card. Basic Card Members who do not change their airline selection will remain with their current qualifying airline. The qualifying airline selected for the 35% Airline Bonus and the $200 Airline Fee Credit benefits must be the same. The qualifying airline must be selected prior to redemption to qualify for the 35% Airline Bonus benefit.

5X Membership Rewards Points on Flights and Prepaid Hotels Booked at American Express Travel^® Online

You will get 1 point for each dollar charged for an eligible purchase on your Business Platinum Card^® from American Express. You will get 4 additional points (for a total of 5 points) for each dollar spent on eligible travel purchases. Eligible travel purchases include scheduled flights made online at AmexTravel.com or the Amex Travel App^™ and prepaid short-term rentals made online at AmexTravel.com, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel; (by calling 1-800-525-3355, or through AmexTravel.com or the Amex Travel App^™), minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, scheduled flights and prepaid flight and hotel packages over the phone, vacation packages, car rentals, cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 5X Membership Rewards^® points, you must both reserve and charge the travel purchase with the same eligible Business Platinum Card^®. Dates of a prepaid short-term rental booking on AmexTravel.com cannot be modified. Card Members must cancel their short-term rental booking and make a new booking through AmexTravel.com; in which case, the new booking will be subject to availability, any cancellation policies and fees, any increase in the nightly rates or other fees, and any other applicable policies or fees of the vacation rental management company. To modify a hotel or air reservation you must cancel and rebook your reservation. You can cancel and rebook your reservation on AmexTravel.com or the Amex Travel App^™ or by calling a representative of AmexTravel.com or the Amex Travel App^™ at 1-800-297-2977. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 5X Membership Rewards^® point benefit. To be eligible to receive extra points, Card account(s) must not be cancelled or past due at the time of extra points fulfillment. If booking is cancelled, the extra points will be deducted from the Membership Rewards account. Extra points will be credited to the Membership Rewards account approximately 6-10 weeks after eligible purchases appear on the billing statement. Additional point bonuses you may receive with your Card on other purchase categories from American Express may not be combined with this benefit (e.g., 2X bonuses for Business Platinum Card Members, etc.). Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. The benefits associated with the Additional Card(s) you choose may be different than the benefits associated with your basic Card. To learn about the benefits associated with Additional Card(s) you choose, please call the number on the back of your Card.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant's code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

Please visit americanexpress.com/rewards-info for more information about rewards.

Account Manager

Account Managers must be at least 18 years old and have a U.S. Mailing Address and Social Security Number.

Additional Global Lounge Collection Partner Lounges

American Express offers access to additional lounges in the Global Lounge Collection where U.S. Business Platinum Card Members have unlimited complimentary access to participating locations. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to participating locations. Card Members must present their valid U.S. Business Platinum Card^®, a government-issued I.D., and a boarding pass showing a confirmed reservation for same-day travel on any carrier. Guest access and associated fees are subject to the terms and conditions of the participating lounge provider. Participation, locations, rates, and policies of lounges are subject to change without notice, and Card Members and their guests will not be compensated for such changes. Amenities, services, and hours may vary by participating lounge and are subject to change without notice. American Express and the participating lounge will not be liable for any articles lost or stolen, or damages suffered by the Card Member or guests inside the participating lounge. For participating lounges with a self-service bar, the Card Member may be required to be of legal drinking age in the participating lounge jurisdiction to enter without a parent or legal guardian. All Card Members and their guests must be of legal drinking age to consume alcoholic beverages. Please drink responsibly. Each participating lounge may have their own policy allowing for children under a certain age to enter for free with the Card Member who is a parent or legal guardian. Card Member must adhere to all house rules of participating lounges. Participating lounges reserve the right to remove any person from the premises for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive, or violent. If American Express, in its sole discretion, determines that the Card Member or their guests have engaged in abuse, misuse, or gaming in connection with access to participating lounges in any way, or that the Card Member or their guests intend to do so, we may remove access to the Additional Lounges from the Account. American Express and the participating lounge reserve the right to revise the rules at any time without notice. For the most current list of participating lounges and access requirements, please use the Lounge Finder feature in the American Express App or visit www.americanexpress.com/findalounge.

American Express One AP ^® Statement Credit

Basic Card Members on a U.S. Business Platinum Card Account ("Card Account") who make $250,000 in eligible purchases in a calendar year ("$250,000 Purchase Requirement") are eligible to receive up to $2,400 in statement credits on their Business Platinum Card Account in the following calendar year when they use their Card Account to pay for American Express One AP^® fees between January 1 and December 31 of the following calendar year ("Active Credit Window"). Eligible purchases made by Card Members starting January 1 2025 will count toward the $250,000 Purchase Requirement for the 2025 calendar year. A Card Account that has satisfied the $250,000 Purchase Requirement is considered a "Qualified Card Account". Card Members must separately request and be approved for a One AP account in order to use the service, and the Company that is responsible for One AP fees must be the same as the Company associated with the Card Account.

An eligible Card Member's One AP statement credits will be applied to their Card Account billing statement against any (i) then-applicable platform access fees, (ii) applicable transaction fees associated with their One AP usage, and/or (iii) applicable taxes, in each case as charged to the Qualified Card Account. The platform access fee will automatically renew each month, unless the service is canceled or all additional payments methods are deactivated, as applicable. To learn more about One AP's cancellation deadlines and requirements, please see the One AP terms and conditions below. One AP bills in arrears, meaning in order to utilize the full $2,400 One AP Credit in any Active Credit Window, you may need to incur One AP fees charged to your Qualified Card Account in December of the year in which you first meet the $250,000 Purchase Requirement. Each Card Account may only earn a total of $2,400 in credits per calendar year. Enrollment in the statement credit on your American Express Online Account is not required for the One AP Credit, however, you must request and be approved for a One AP account and the Qualified Card Account must be the account to which your One AP fees are billed. If you need to change the Card being billed, you must call 1-844-358-4025. See https://www.americanexpress.com/oneap-getstarted to learn more and find out how to request a One AP account. American Express One AP^® ACH may not be available to all customers.

Eligible purchases to meet the $250,000 Purchase Requirement are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. Non-card transactions (check, ACH) are not eligible purchases. If a Card Member upgrades or downgrades from a different American Express Card to a Business Platinum Card, eligible purchases made on their previous Card during the current calendar year will count toward meeting the $250,000 Purchase Requirement on the new Business Platinum Card. Eligible purchases made by any Employee Card Members on the Business Platinum Account will contribute to the $250,000 Purchase Requirement. Card Members can track their progress towards the current year $250,000 Purchase Requirement in the Benefits tab of their online Card Account and in the American Express App. Your status tracker will reflect your posted transactions, net of returns, up to the $250,000 mark. Card Members will unlock both the $1,200 Amextravel.com Flights Credit and the $2,400 American Express One AP ^® Credit by satisfying the Purchase Requirement a single time in a given calendar year.

Statement credits are typically reflected on your Card Account within a few days of the corresponding charge posting, however it may take 90 days after an eligible transaction is charged to the Card Account for the statement credits to be reflected on your Card Account. Statement credits may not be received or may be reversed if the One AP fee is refunded. If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if One AP fees are billed to a card other than your Qualified Card Account. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card 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.

American Express One AP^®

American Express One AP^® may not be available to all customers. To access the service, all customers will be required to enroll their eligible U.S.-issued American Express^® Business, Corporate, or Corporate Purchasing Card. There is no fee to use the service for customers electing to process only Card payments. Use of additional payment methods requires activation through an American Express^® Specialist and a monthly platform access fee of $200 which will automatically renew each month, unless the service is cancelled or all additional payments methods are deactivated, as applicable. If additional payment methods are being used, with the monthly platform access fee, to the extent used, the first 400 check transactions and first 400 automated ACH transactions each month are complimentary, after which point a fee of $1.00 per check and $0.35 per automated ACH transaction will apply. Fees are subject to change. Sales tax on fees may apply. All fees associated with American Express One AP^® will be auto-billed monthly in arrears to the first Card enrolled for the service. The monthly platform access fee will be charged starting in the month in which the customer first uses an additional payment method and will not be pro-rated; the full monthly platform access fee will be charged regardless of when in the month a customer activates and first uses an additional payment method. Customers may cancel the service or activate/deactivate additional payment methods by contacting their American Express^® Specialist. The customer will be charged the full monthly platform access fee (and any applicable transaction fees and taxes) for the month in which the service is cancelled (or all additional payment methods are deactivated), with continued access to the service for the thirty days following the cancellation date. Customer must cancel by 5:00 PM ET on the last business day of the month to avoid being charged the platform access fee for the following month. To make a Card payment to a supplier through the service, the supplier must be an American Express-accepting merchant. To learn more, please contact your American Express^® Specialist.

New York: The American Express One AP^® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed as a Money Transmitter by the New York State Department of Financial Services. California: The American Express One AP^® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. Georgia: The American Express One AP^® service is a money transmission service provided by American Express Travel Related Services Company, Inc. (American Express). This service is not available to consumers. American Express Travel Related Services Company, Inc. is licensed by the Georgia Department of Banking and Finance.

For a list of our money service business licenses and information about addressing complaints and other disclosures, visit www.americanexpress.com/us/state-licensing.html.
NMLS ID # 913828

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

Eligible Card Members can earn 10% back (up to $250) in statement credits per calendar year after using their enrolled Card to make qualifying food and beverage concessions purchases at stadiums and arenas in the American Express Venue Collection^™. Limit one enrolled Card per Card Member. Offer ends 12/31/2026.

By enrolling in this offer, you agree to these terms and the Amex Offers^™ Program Terms.

Eligibility and Enrollment

Eligible Card Members must first add offer to Card and then use that same enrolled Card to make qualifying purchases. Only Consumer and Business American Express Cards issued by American Express in the US are eligible for this offer. American Express Prepaid Cards, Corporate Cards, Debit Cards, and American Express-branded Cards issued by other financial institutions are not eligible for this offer. Additional Cards on an eligible Card account are also eligible to enroll in this offer; however, any rewards or credits earned will be applied to the Basic Card Member's account. Each eligible Card must enroll separately in this offer and must individually make a qualifying purchase to earn a statement credit.

Limit one enrollment per Card Member regardless of whether a Card Member has more than one eligible Card. Offers are non-transferable. Card Members must select one eligible Card to enroll and enrollment of an eligible Card in this offer extends only to that Card.

Limit of $250 back in total statement credits on that enrolled Card each calendar year. Offer ends December 31, 2026.

Qualifying Purchases

Offer only valid on qualifying food and beverage concessions purchases at participating stadiums and arenas in the American Express Venue Collection^™ ("Participating Venues"). Participating Venues and qualifying purchases are subject to change, and an up-to-date list can be found at go.amex/venue-concessions-us. Please review this list prior to making a purchase at a Participating Venue. Qualifying Purchases must be made during the offer period with your enrolled American Express Card and in an amount totaling at least $0.01 USD as posted to your account, following conversion from a foreign currency, if applicable, in accordance with your Card Member Agreement.

Offer not valid on purchases made using third parties, such as resellers, delivery services, or other intermediaries.

Statement Credit

If you meet the offer requirements, the statement credit(s) will typically post to your account within 30 days after you make a qualifying purchase, provided that American Express receives information from the merchant about your qualifying purchase. In some circumstances, it may take up to 90 days after the qualifying purchase for statement credit(s) to post. Please call the number on the back of your Card with any questions about this offer, including questions regarding enrollment or qualifying purchases, or if credit(s) have not posted to your account 30 days after you made the qualifying purchase. Accounts that are canceled at the time of fulfillment of the offer will not receive the credit(s). Credit(s) may not be received or may be reversed if an eligible purchase is returned, partially returned, refunded, canceled or modified. The 10% back in the form of statement credit(s), up to $250 in total statement credits per calendar year, is calculated based off the total amount of a qualifying purchase made in US dollars or following conversion to US dollars from a foreign currency, if applicable.

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.

American Express^® Business Checking Account Eligibility

We are currently accepting applications from eligible U.S. businesses. Not all applicants will be approved for a Business Checking account. To learn more about Business Checking, including eligibility, visit https://www.americanexpress.com/en-us/business/checking/.

Amex Offers

To redeem an Amex Offer^®, eligible Card Members must first enroll in the offer through their online account or in the American Express^® App and then use their enrolled Card to make a qualifying purchase. Only U.S.-issued American Express Consumer and Business Cards may be eligible to participate. Card Members can check their eligibility by visiting the Amex Offers section of their online account. American Express, in its sole discretion, reserves the right to determine eligibility for the Amex Offers program and may revoke access or enrollment if we determine that you have engaged, or are likely to engage, in abuse, misuse, or gaming of the program. Please review the terms of each offer for details on how to redeem. By enrolling in an offer, you agree that American Express may use your transaction and personal information to administer the offer, communicate with you about it, and facilitate your experience in accordance with the American Express Privacy Statement. You also consent to receiving electronic communications from American Express, including email, app notifications, and other digital messages, related to your enrolled offers and the Amex Offers program.

By enrolling in an offer, you agree to the individual offer terms and Program Terms. See individual offer terms below, and full Program Terms.

Amex Preferred Tickets^™

Eligible American Express^® Card Members may purchase Amex Preferred Tickets^™ for select events and select seats, during a specified period while supplies last. 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. When purchasing tickets, enter the 10-digit customer service phone number on the back of your eligible Card when prompted. Tickets must be purchased using one of the following U.S.-issued American Express Cards: Consumer, Business, or Corporate Platinum Card^® or Centurion^® Card; Consumer or Business Delta SkyMiles^® Platinum Card; Consumer or Business Delta SkyMiles^® Reserve Card; Consumer, Business, or Corporate Gold Card; Classic Business Gold Card; Business Gold Rewards Card; Executive Business Card; Hilton Honors American Express Surpass^® Card; Hilton Honors Aspire Card; Marriott Bonvoy Brilliant^® Card; Marriott Bonvoy Bevy^® Card; Marriott Bonvoy^® Card; Platinum Card^® from American Express Exclusively for Morgan Stanley; Platinum Card^® from American Express Exclusively for Charles Schwab; Platinum Card^® from American Express for Goldman Sachs; or The Centurion^® Card from American Express Exclusively for Goldman Sachs. 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.

Amex Presale Tickets^®

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^®

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.

Amex Travel Online Flight Statement Credit

Basic Card Members on a U.S. Business Platinum Card Account ("Card Account") who make $250,000 in eligible purchases in a calendar year ("$250,000 Purchase Requirement") are eligible to receive up to $1,200 in Amex Travel Online Flight Statement Credits in the following calendar year after they use their Card Account to pay for eligible flights booked on Amextravel.com or the Amex Travel App™ between January 1 and December 31 of the following calendar year ("Active Credit Window"). Card Members must charge the flight(s) to the Business Platinum Card Account that has met the $250,000 Purchase Requirement ("Qualified Card Account") to be eligible for the statement credits. Any prepaid airline or cabin class is eligible for the statement credits. The total amount of statement credits for eligible flight purchases will not exceed $1,200 per calendar year, per Qualified Card Account. Enrollment is not required. Eligible purchases made by Card Members starting January 1, 2025, will count toward the $250,000 Purchase Requirement for the 2025 calendar year.

Eligible purchases to meet the $250,000 Purchase Requirement are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a different American Express Card to a Business Platinum Card, eligible purchases made on their previous Card during the current calendar year will count toward meeting the $250,000 Purchase Requirement on the new Business Platinum Card. Eligible purchases made by any Employee Card Members on the Business Platinum Account will contribute to the $250,000 Purchase Requirement. Basic Card Members can track their progress towards the current year $250,000 Purchase Requirement in the Benefits tab of their online Card Account and in the American Express App. Card Members will unlock both the $1,200 Amex Travel Online Flight Statement Credit and the $2,400 American Express One AP ^® Credit by satisfying the $250,000 Purchase Requirement a single time in a calendar year.

Statement credits are typically reflected on your Card Account within a few days of the corresponding charge posting, however it may take up to 90 days after an eligible purchase is charged to the Card Account for the statement credits to be reflected on your Card Account. American Express relies on the merchant's processing of transactions to determine the transaction date. The transaction date may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means purchases made too close to the close of the year may not be dated within the Active Credit Window. For example, if an eligible purchase is made on December 31, but the merchant processes the transaction such that it is identified to us as occurring on January 1, then your statement credit will not be applied to that Active Credit Window. Statement credits may not be received or may be reversed if the booking is cancelled or modified. If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made directly with the airline, (ii) not made through American Express Travel online, or (iii) not made with the Qualified Card Account. Eligible travel purchases include scheduled flights made online on AmexTravel.com or in the Amex Travel App, minus returns and other credits. Incidental fees paid directly to the airline (such as refreshment charges paid not on Amextravel.com) will not be credited back. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card 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.

Business Platinum Adobe Benefit

Benefit enrollment required. Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases minus returns and other credits by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible to contribute towards the qualifying spend threshold for the statement credit. Each Card Account is eligible for a $250 statement credit per calendar year once $600 in eligible purchases with Adobe are charged to the enrolled Card Account. If an annual prepaid plan is purchased, it will automatically renew each year on the annual subscription date until cancelled. Valid only on purchases made directly with Adobe or at adobe.com in the U.S. and U.S. territories where Adobe is the merchant of record for the purchase. Certain purchases may require enrollment in Adobe subscription plans that are subject to auto-renewal. If you purchase a subscription plan, Adobe will charge you the then-applicable subscription fee and any applicable taxes on your subscription renewal date until cancelled. For more information about Adobe's cancellation requirements and deadlines, please visit Adobe Customer Support. Please allow 6-8 weeks after an eligible purchase, which causes the enrolled Card Account to meet the qualifying spend threshold, is charged to the Card Account for the statement credit to be posted to the Account. Please call the number on the back of the Card if the statement credit has not posted after 8 weeks from the date an eligible purchase, which causes the enrolled Card Account to meet the qualifying spend threshold, is charged to the Card Account. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then the purchase may not contribute toward the statement credit benefit for the benefit period in which the purchase was made. If the Card Member has transferred to a different Card at the time the merchant submits the transaction, the Card Member may not receive the statement credit. American Express relies on accurate transaction data from the merchant to identify eligible purchases. Note that American Express may not receive information about the eligible purchase from merchant until all items from the eligible purchase have been provided by the merchant. In this case, a purchase would apply toward the statement credit available in the next benefit period. Purchases may fall outside of the benefit period in which the purchase was made in some cases due to a delay in the merchant submitting transactions to us. The statement credit may be reversed if an eligible purchase is returned, refunded, cancelled or modified, causing the enrolled Card Account to no longer meet the qualifying spend threshold. The statement credit for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. If American Express does not receive information that identifies a transaction as eligible for the benefit, the statement credit will not be received. For example, a transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, the statement credit may not be received if a transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. For additional information, call the number on the back of your Card.

Business Platinum Dell Technologies Benefit

Benefit enrollment required. Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible to contribute towards the qualifying spend threshold for statement credits. Each Card Account is eligible for up to $1,150 in statement credits across all Cards on the enrolled Card Account per calendar year. Each Card Account can receive up to $150 in statement credits for eligible purchases with Dell Technologies and an additional $1,000 statement credit after $5,000 in eligible purchases with Dell Technologies are charged to the enrolled Card Account within a calendar year. Valid only on purchases made directly with Dell Technologies or at dell.com in the U.S. and U.S. territories where Dell Technologies is the merchant of record for the purchases. Not valid on online purchases shipped outside of the U.S. and U.S. territories, purchases from unauthorized resellers or online auctioneers. Certain purchases may require enrollment in Dell subscription plans that are subject to auto-renewal. If you purchase a subscription plan, Dell will charge you the then-applicable subscription fee and any applicable taxes on your subscription renewal date until cancelled. For more information about Dell's cancellation requirements and deadlines, please visit Dell Customer Support. For the up to $150 in statement credits, please allow 6-8 weeks after an eligible purchase is charged to the Card Account for the statement credit(s) to be posted to the Account. For the spend $5,000, get $1,000 statement credit, please allow 6-8 weeks after an eligible purchase, which causes the enrolled Card Account to meet the qualifying spend threshold, is charged to the Card Account for the statement credit to be posted to the Account. Please call the number on the back of the Card if the statement credits have not posted after 8 weeks from the date of eligible purchases. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then the purchase may not contribute toward the statement credit benefit for the benefit period in which the purchase was made. If the Card Member has transferred to a different Card at the time the merchant submits the transaction, the Card Member may not receive the statement credit(s). American Express relies on accurate transaction data from the merchant to identify eligible purchases. Note that American Express may not receive information about an eligible purchase from the merchant until all items from an eligible purchase have been provided/shipped by the merchant. In this case, a purchase would apply toward the statement credit(s) available in the next benefit period. Purchases may fall outside of the benefit period in which the purchase was made in some cases due to a delay in the merchant submitting transactions to us. For the up to $150 in statement credits, the statement credit(s) may be reversed if an eligible purchase is returned, refunded, cancelled or modified. For the spend $5,000, get $1,000 statement credit, the statement credit may be reversed if an eligible purchase, is returned, refunded, cancelled or modified, causing the enrolled Card Account to no longer meet the qualifying spend threshold. Statement credits for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. If American Express does not receive information that identifies a transaction as eligible for the benefit, the statement credit will not be received. For example, a transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, the statement credit may not be received if a transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. For additional information, call the number on the back of your Card.

Business Platinum Indeed Benefit

Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $90 USD in statement credits per quarter for a total of $360 USD per calendar year in statement credits across all Cards on the enrolled Card Account. Each quarterly eligibility period is defined as January to March, April to June, July to September, October to December. Valid only on purchases made directly with Indeed.com in the U.S. and U.S. territories where Indeed, Inc. is the merchant of record for the purchase. Certain purchases may require enrollment in Indeed subscription plans that are subject to auto-renewal. If you purchase a subscription plan, Indeed will charge you the then-applicable subscription fee and any applicable taxes on your subscription renewal date until cancelled. For more information about Indeed's cancellation requirements and deadlines, please visit Indeed's Employer Help Center online. Please allow up to 8 weeks after an eligible purchase is charged to the enrolled Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, the first quarter statement credit would be applied if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Statement credit(s) may not be received or may be reversed if an eligible purchase is returned, refunded, cancelled, or modified. Statement credits for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. If American Express does not receive information that identifies your transaction as eligible for the benefit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with Indeed, Inc. In addition, in most cases, you may not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if Indeed, Inc. uses a mobile or wireless card reader to process it. To be eligible for this benefit, Card Account(s) must not be cancelled and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card. Use of Indeed's services and websites are subject to Indeed's Terms of Service, Cookie Policy, and Privacy Policy available at www.indeed.com/legal.

Car Rental Privileges: Avis

Visit Avis.com for program terms and conditions.

American Express reserves the right to instruct Avis to cancel your membership if you cease to be a Business Platinum Card^® Member or your account is canceled or past due. Additional Avis Terms and Conditions apply.

Car Rental Privileges: National Emerald Club

To redeem a free rental day, reserve up to a fullsize car at least 24 hours in advance. National Car Rental cannot combine this offer with any other discount, and cannot apply the offer to a previous or existing reservation. All standard rental qualifications apply. Be aware that taxes, surcharges, recovery and recoupment fees and other charges may apply, and that optional products and services (such as damage waiver) are extra charges. Please check your auto insurance policy and/or credit card agreement for rental vehicle coverage. The availability of this offer is limited to participating U.S. and Canadian locations and is subject to change without notice. This Free Day is non-transferrable. Free Days are combinable up to seven days. Blackout dates may also apply. This Free Day expires on December 31 of the year following the year in which it was received.

Car Rental Privileges: National Emerald Club

The Emerald Club and its services require a signed Master Rental Agreement on file. Emerald Aisle^®, Executive Selection^℠, Emerald Reserve Service^® and Emerald Club Counter Service^℠ are available at select locations only. Expedited counter service available at all other locations. National, National Car Rental, the "flag" and Emerald Club are trademarks of Vanguard Car Rental USA LLC. All other trademarks are the property of their respective owners ©2026 National Car Rental.

Car Rental Privileges: Avis, Hertz, National

Consumer Platinum Card^® Members, Corporate Platinum Card^® Members and Business Platinum Card^® Members are eligible to receive complimentary status with select car rental companies. Additional Platinum Card Members on Consumer and Business Platinum Accounts are also eligible for this benefit. Companion Platinum Cards^® on Consumer Platinum Card Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Card Accounts are not eligible to receive these benefits. Benefits provided to Platinum Card Members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment in each car rental program through your American Express online account to receive the car rental program benefits. Payment must be made using the Platinum Card. Hertz Gold+^® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). Minimum age to join Hertz Gold+ is 21. Standard rental terms and conditions apply. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including Goods and Services Taxes), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet applicable age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and Hertz Gold+ and their services require a signed Master Rental Agreement to be on file. Please note that the Car Rental Privileges program available to Platinum Card Members is a separate program from the Premium Car Rental Protection insurance product offered by American Express Travel Related Services Company, Inc. and underwritten by AMEX Assurance Company.

To be eligible for this benefit, Card Account(s) must not be canceled or past due. If you have a Card on file with one of the eligible partners, make sure that the most up to date Account information is on file or else you may not receive the benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card.

Car Rental Privileges: Hertz

The Platinum Card^® Member must use the designated Amex Corporate Discount Code (CDP) at time of reservation and pay for the Hertz rental with his or her Platinum Card to receive the following benefits from Hertz: 1) In the U.S., a 4-hour grace period for return of a rental car at no charge for time or mileage before an extra day charge is applied. The 4-hour grace period excludes (i) optional items such as car seats, and satellite radio and (ii) optional liability / loss coverage such as Loss Damage Waiver (LDW) and Personal Accident Insurance (PAI). 2) savings up to 20% on published base rates. Discount applies to pay later base rate. Rates and savings vary depending on date, location, car class and other factors. Discount does not apply to taxes and fees. Car-class upgrades available on rentals of economy through standard cars with at least a 24-hour advance reservation. Additional benefits are provided with Hertz President's Circle status^® at participating locations when a Hertz Gold+^® membership number is included in the reservation. Membership in Hertz Gold+^® is complimentary, but enrollment is required. Minimum age to join Hertz Gold+ is 21. All rentals are subject to all other Hertz requirements and terms and conditions of the Hertz rental agreement. For more information, contact Platinum Card Customer Service at 1-800-525-3355 or visit americanexpress.com/platinum. Hertz Gold+ and Hertz are registered trademarks of Hertz System, Inc.

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.

Cell Phone Protection

Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to Card Membership. Coverage is subject to certain terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is excess of any other applicable insurance or indemnity available to you. Coverage is limited only to those amounts not covered by any other insurance or indemnity. For more information about the coverage, please see the Guide to Benefits at americanexpress.com/CPPTerms.

ChatGPT Business Credit

Benefit enrollment required. Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card^® or Business Gold Card Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. Each Card Account is eligible for up to $300 in statement credits per calendar year. Valid only on purchases of ChatGPT Business made directly with OpenAI in the U.S. and U.S. territories where OpenAI is the merchant of record for the purchase. If ChatGPT Business is renamed, rebranded, or otherwise designated differently by OpenAI at any time, any such change will not affect eligibility for this benefit. ChatGPT Business purchases are subject to auto-renewal. If you purchase an annual subscription, OpenAI will charge you the then-applicable subscription fee and any applicable taxes each year on your annual subscription renewal date until cancelled. If you purchase a monthly subscription, OpenAI will charge you the then-applicable subscription fee and any applicable taxes each month on your monthly subscription renewal date until cancelled. For more information about OpenAI's cancellation requirements and deadlines, please visit the OpenAI Help Center. Please allow up to 8 weeks after an eligible purchase is charged to the Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credit(s) has (have) not posted after 8 weeks from the date an eligible purchase is charged to the Card Account. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then the purchase may not contribute toward the statement credit benefit for the benefit period in which the purchase was made. If the Card Member has transferred to a different Card at the time the merchant submits the transaction, the Card Member may not receive the statement credit. American Express relies on accurate transaction data from the merchant to identify eligible purchases. Note that American Express may not receive information about the eligible purchase from the merchant until all items from the eligible purchase have been provided by the merchant. In this case, a purchase would apply toward the statement credit available in the next benefit period. Purchases may fall outside of the benefit period in which the purchase was made in some cases due to a delay in the merchant submitting transactions to us. The statement credit may be reversed if an eligible purchase is returned, refunded, cancelled or modified. The statement credit for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. If American Express does not receive information that identifies a transaction as eligible for the benefit, the statement credit will not be received. For example, a transaction will not be eligible if it is not made directly with the merchant. In addition, in most cases, the statement credit may not be received if a transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. To be eligible for this benefit, the Card Account must not be cancelled or past due at the time of statement credit fulfillment. For additional information, call the number on the back of the Card.

Concierge

American Express Concierge may perform select services at your request and on your behalf that are limited to: (i) purchasing of available event tickets, (ii) making of available dining or other reservations (which may include, for example, spa or golf), (iii) general travel-related inquiries, and (iv) shopping requests (which may include, for example, sending of flowers or gifts); in each case, as deemed reasonable by American Express. You are responsible for all purchases and associated taxes and fees (including, without limitation, shipping fees) that Concierge makes at your request and on your behalf. You acknowledge that if you make a request through Concierge: (i) American Express is placing that request on your behalf, and (ii) the goods and/or services you requested will be provided by third parties and American Express is not liable for any injury to person or property caused by such third parties or the goods and/or services requested. American Express reserves the right to note your preferences (which may include, for example, flower preferences or tee times) for servicing and marketing purposes, but is not responsible for notifying a restaurant of any food allergies or any other dietary restrictions or preferences when making dining reservations.

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.

Cruise Privileges Program

Cruise Privileges Program ("CPP") benefits consist of an on-board credit and an additional on-board amenity on participating cruise lines. Platinum Card^® Members can receive an on-board credit of $100 to $300 per stateroom. Centurion Members can receive an additional on-board credit of $200 per stateroom. Additional on-board amenities vary by participating cruise line. An additional on-board amenity is not available on Silversea's expedition ships. Neither on-board credits nor an additional on-board amenity are available on Celebrity River Cruises or Galapagos sailings.

CPP benefits are available only for US residents with a Basic U.S. Consumer or Business Platinum or Centurion^® Card ("Eligible Card Members"). Additional Card Members on Consumer and Business Platinum Card Accounts, Additional Card Members on Consumer and Business Centurion Card Accounts, Companion Card Members on Consumer Platinum and Centurion Card Accounts, and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts are also eligible for CPP program benefits. Delta SkyMiles^® Platinum Card Members are not eligible for CPP benefits.

CPP benefits are available only for new CPP bookings of at least five nights with double occupancy made with a participating cruise line using an Eligible Card through AmexTravel.com or by calling the number on the back of the Eligible Card (a "CPP Booking"). To receive CPP benefits, the Eligible Card Member must be traveling on the itinerary and the total cost of the CPP Booking must be paid for using an American Express^® Card in the Eligible Card Member's name. CPP benefits are non-transferable. Participating cruise lines are subject to change. The current list of participating cruise lines is available at https://www.americanexpress.com/en-us/travel/cruises-and-custom-vacations/travel-providers?intlink=US-travel-cruises-and-custom-vacations-subNav-ccvProviders. CPP benefits cannot be combined with other offers unless indicated; blackout dates, category and fare restrictions may apply. CPP benefits apply per stateroom, with a three-stateroom limit per Eligible Card Member, per cruise. On-board credits will be applied at checkout upon completion of the cruise; credit amounts in local currency may vary due to foreign exchange rates; credits are subject to cruise line terms and policies; credits cannot be used for casino charges, gratuities, or other similar charges. Any unused portion of an on-board credit is non-refundable and is not redeemable for cash. Other restrictions may apply.

Delta Sky Club® Access

This benefit is available to U.S. Business Platinum Card® Members and Additional Platinum Card Members on the Account (each, an "Eligible Platinum Card Member"). Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Delta Sky Club benefit.

Eligible Platinum Card Members will receive 10 "Visits" per Eligible Platinum Card each year to Delta Sky Club or to the Delta Sky Club Grab and Go feature ("Grab and Go"). Visits are issued at Card Account opening and then on February 1 of each subsequent year and expire on January 31 of each year. Visits are non-transferable and may only be used by the Eligible Platinum Card Member.

A "Visit" is an entry to one or more Delta Sky Clubs or usage of Grab and Go, at one or more airports, for a period of up to 24 hours starting upon the first Delta Sky Club entry or Grab and Go usage, during an Eligible Platinum Card Member's travel on a same-day Delta-operated flight or Delta-marketed flight operated by WestJet (ticket number starting with 006). Eligible Platinum Card Members traveling with Delta Main Basic (Basic Economy) fare tickets do not have access to this benefit. A single Visit permits usage of Delta Sky Club(s) in multiple airports during the 24-hour period. For example, if you visit a Delta Sky Club in different airports on a trip, entry into one or more of these Clubs will be considered part of the same Visit as long as these additional entries occur within 24 hours of the first Delta Sky Club entry. If travel exceeds 24 hours from the first Delta Sky Club, then a second Visit will be deducted if entering the Delta Sky Club or using Grab and Go more than 24 hours after the first entry. Eligible Platinum Card Members may not access Delta Sky Club or Grab and Go in the three hours from the time of previous Grab and Go usage at the same airport. Once all 10 Visits have been used, Eligible Platinum Card Members may purchase additional Delta Sky Club Visits at a per-Visit rate of $50 per person or may purchase a Grab and Go Visit at a per-Visit rate of $25 per person. Visits cannot be used for guest entry. During a Visit, Eligible Platinum Card Members may bring either up to two (2) guests, or their immediate family (spouse/domestic partner and children under 21) to the Club at a per-Visit rate of $50 per person or may purchase a Grab and Go Visit at a per-Visit rate of $25 per person. The Eligible Platinum Card must be used as the payment method to purchase Card Member and guest access. Guests must also be flying on a same-day Delta-operated flight or Delta-marketed flight operated by WestJet (ticket number starting with 006) and be accompanied by the Eligible Platinum Card Member. Guests traveling with Delta Main Basic (Basic Economy) fare tickets do not have access to this benefit. Children under 2 years of age may accompany the Eligible Platinum Card Member for free.

Eligible Platinum Card Members with multiple eligible American Express Cards that grant Delta Sky Club access are responsible for selecting their method of entry into a Delta Sky Club prior to entry. Visits will be deducted based on the eligible American Express Card presented at time of entry. Switching the American Express Card used for entry after a Card Member has entered a Delta Sky Club is not permitted.

To earn an unlimited number of Visits ("Unlimited Delta Sky Club Access") the total eligible purchases on the Eligible Platinum Card Account must equal or exceed $75,000 (the "Purchase Requirement") each calendar year. Once effective, Unlimited Delta Sky Club Access will be provided to all Eligible Platinum Card Members on the Account. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Unlimited Delta Sky Club Access benefit. All entry requirements set forth in these Terms and Conditions will continue to apply with respect to Unlimited Delta Sky Club Access.

Unlimited Delta Sky Club Access will be processed within a week of the Eligible Platinum Card Account's satisfying the Purchase Requirement in most instances but may take up to 12 weeks to become effective. Once effective, Unlimited Delta Sky Club Access will be available for the remainder of the calendar year in which it became effective, the following calendar year and through January 31 of the next calendar year (for example, if Unlimited Delta Sky Club Access becomes effective on May 1, 2025, it will remain effective through January 31, 2027). Eligible purchases made by any Additional Card Members on the Eligible Platinum Card Account will contribute to the Purchase Requirement. Eligible purchases to meet the Purchase Requirement are for goods and services minus returns and other credits. Eligible purchases do NOT include fees, interest charges, cash advances, purchases of travelers' checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a different American Express Card to an Eligible Platinum Card, eligible purchases made on the prior Card Account will count toward the Purchase Requirement. Delta reserves the right to revoke Unlimited Delta Sky Club Access if you return, reverse or charge back eligible purchases in a way that reduces your eligible spend below the Purchase Requirement for the calendar year. If Delta and/or American Express determine that you have engaged in abuse, misuse, or gaming in connection with this Delta Sky Club Access Benefit in any way or that you intend to do so, Visits may be deducted from your account and/or Unlimited Delta Sky Club Access revoked.

Eligible Platinum Card Members must present their valid American Express Card, government-issued I.D., and boarding pass for entry. Boarding pass must show a reservation for a same-day Delta-operated flight (Delta or Delta connection) or Delta-marketed flight operated by WestJet (ticket number starting with 006) departing from or arriving at the airport in which Delta Sky Club or Grab and Go is located. Eligible Platinum Card Members traveling with Delta Main Basic (Basic Economy) fare tickets do not have access to this benefit. Name on boarding pass must match name on the Card. Eligible Platinum Card Members on departing flights can only access Delta Sky Club or Grab and Go within 3 hours of their flight's scheduled departure time or any time during a layover. Delta reserves the right to limit access for non-revenue flyers at any Delta Sky Club. Individuals must be at least 18 years of age to access Delta Sky Club, and 21 years of age to access locations with a self-service bar, unless accompanied by a responsible, supervising adult who has access to Delta Sky Club. Benefit valid only at Delta Sky Club. Delta partner lounges are not included. Note that amenities may vary among Delta Sky Club locations. Participating airport clubs and locations subject to change without notice. All access is subject to Delta Sky Club House Rules. To review the House Rules, please visit delta.com/skyclub. Benefit and rules subject to change without notice. Additional restrictions may apply.

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.

Escape Lounges

This benefit is available to U.S. Business Platinum Card^® Members. Card Members receive complimentary access to all Escape Lounge locations, including Escape Lounge – the Centurion^® Studio Partner locations. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for access to Escape Lounges, including Escape Lounge – the Centurion^® Studio Partner locations. To access an Escape Lounge, Card Members must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. Name on boarding pass must match name on the Card and the eligible flight must be booked on a U.S. issued American Express card. For access at select locations, Card Members must arrive within 3 hours of their departing flight. Refer to the specific location's access policy for more information. During a layover Card Members may use the Escape Lounge in the connecting airport at any time. For more information on access policies and lounge terms and conditions, see https://escapelounges.com. All access to an Escape Lounge is subject to space availability. Card Member must be at least 18 years of age to enter without a parent or legal guardian. All Escape Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. Card Members may bring up to two complimentary guests per visit. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all the complimentary benefits and amenities afforded to the Escape Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Escape Lounge locations are subject to change without notice. Additional restrictions may apply.

Fee Credit for Global Entry or TSA PreCheck^®

The benefit is available to (i) Consumer Platinum Card^® Members, and Business Platinum Card^® Members, and (ii) Centurion^® Card Members. The benefit is also available to all Additional Card Members on Consumer and Business Platinum Accounts, and all Additional Card Members on Consumer and Business Centurion Accounts. Basic Card Members are eligible to receive a statement credit every 4 years for either up to $85 for the TSA PreCheck^® application fee (when applying through a TSA official enrollment provider) or $120 for the Global Entry application fee, in each case when charged to the Basic Card or any eligible Additional Cards on the eligible Card Account. Basic Card Members will receive a statement credit for the first program (either Global Entry or TSA PreCheck) to which they or their eligible Additional Cards apply and pay for with their eligible Card regardless of whether they are approved for Global Entry or TSA PreCheck. However, eligible Card Members can earn no more than one credit for up to $85 for TSA PreCheck or $120 credit for Global Entry (but not both programs), depending upon the program the Card Member first applies for, for an application fee charged to an eligible Card. American Express has no control over the application and/or approval process for Global Entry or TSA PreCheck, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA PreCheck Programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA PreCheck) charge an application fee to process each respective application regardless of whether the Card Member's application is approved. The Department of Homeland Security may suspend acceptance of applications on any basis at its discretion. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA PreCheck) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within 4 years, even if the original application is rejected.

Membership for Global Entry or TSA PreCheck is per person, and a separate application must be completed for each individual. TSA PreCheck application must be processed through a TSA official enrollment provider. Global Entry membership also includes access to the TSA PreCheck program with no additional application or fee required. For additional information on the Global Entry or TSA PreCheck programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.cbp.gov/travel/trusted-traveler-programs/global-entry for Global Entry and www.tsa.gov for TSA PreCheck. The Global Entry or TSA PreCheck programs are subject to change, and American Express has no control over those changes.

The statement credit benefit applies to the Global Entry or TSA PreCheck programs only. Other program applications including, but not limited to, NEXUS, SENTRI, FAST, and Privium are not eligible for the statement credit benefit.

Please allow up to 8 weeks after the qualifying Global Entry or TSA PreCheck transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. Statement credits may not be received or may be reversed if an eligible purchase is returned, refunded, cancelled, or modified.​ If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. If you do not see a credit for a qualifying purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Card Members are responsible for payment of all application charges until the statement credit posts to the Card Account. American Express relies on the merchant's processing of transactions to determine the transaction date. The transaction date may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. American Express also relies on information provided to us by the merchant to identify eligible Global Entry and TSA PreCheck purchases. If American Express does not receive information that identifies your transaction as eligible for this benefit, the Basic Card Member will not receive the statement credit. Basic Card Members may not receive the statement credit if we receive inaccurate information or are otherwise unable to identify your purchase as eligible, if a transaction is made with an electronic wallet or through a third party (such as an app store), or if the merchant uses a mobile or wireless card reader to process it.

If the Card Account is canceled or past due at the time of statement credit fulfillment, it may not qualify to receive a statement credit. If American Express, in it's sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide statement credits and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time feature balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information, call the number on the back of your Card.

Fine Hotels + Resorts^® Program

Fine Hotels + Resorts^® (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for the following Eligible Card Members: (a) U.S. Consumer, Business and Corporate Platinum Card^® Members, and Centurion^® Members; and (b) Additional Platinum Card Members on Consumer and Business Platinum and Centurion Card Accounts. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts, and Delta SkyMiles^® Platinum Card Members are not eligible for FHR program benefits. Each eligible FHR booking includes the following program benefits: (1) daily breakfast for two, (2) a $100 credit towards eligible charges, (3) guaranteed 4pm checkout, (4) 12pm check-in when available, (5) room upgrade upon arrival when available, and (6) complimentary Wi-Fi. To receive program benefits, (i) the booking must be made and paid for using an Eligible Card or another American Express^® Card, in the Eligible Card Member's name, (ii) the Eligible Card Member must be traveling on the itinerary booked, and (iii) charges for program benefits (if applicable) must be billed to the hotel room. If paying for the booking at the property, the Eligible Card Member may need to provide a physical American Express Card. Any applicable program-related credits will be applied at checkout in USD or the local currency equivalent. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of $100 credit and any additional benefit (if applicable) varies by property; the credit will be applied to eligible charges up to the amount of the credit. Advance reservations are recommended for certain credits. The type of breakfast service and value of the daily breakfast (for two) varies by property but the daily breakfast (for two) will be valued at the greater of: (a) $60 per room per day; or (b) the total value of two (2) times the price of the lowest priced breakfast entrée, coffee or tea, and juice combination available on the hotel's breakfast menu(s). The Eligible Card Member will be responsible for all breakfast charges greater than the value of the daily breakfast (for two) credit. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, bookings made by different Card Members staying in the same room or bookings made by different Card Members traveling in the same party, in each case, within a 24-hour period at the same property, are considered one stay and are only eligible for one set of FHR benefits for the entirety of such stay. American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Eligible Card Members are entitled to the benefits offered by the property on the booking check-in date. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your Eligible Card Account must not be cancelled.

Global Dining Access by Resy

The Global Dining Access program ("GDA") is a benefit available to eligible Card Members. "Eligible Card Members" are account holders of Platinum Card^® or Centurion^® Card from American Express, Business Platinum Card^®, Business Centurion^® Card from American Express, Corporate Platinum Card^® or Corporate Centurion^® Card from American Express, Delta SkyMiles^® Reserve American Express Card, Delta SkyMiles^® Reserve Business American Express Card, Hilton Honors American Express Aspire Card, Platinum Card^® from American Express Exclusively for Morgan Stanley, Platinum Card^® from American Express Exclusively for Charles Schwab, Platinum Card^® from American Express for Goldman Sachs, and The Centurion^® Card from American Express for Goldman Sachs (and any Additional Card Member(s) on their accounts). GDA may not be available for Cards issued from some countries. GDA provides eligible Card Members with (a) access to exclusive reservations, (b) Priority Notify, which allows GDA members to set notifications at participating U.S. Resy restaurants and other food and beverage establishments (excluding wineries, restaurants, and venues that don't take reservations) to be in the first group notified when tables become available on Resy that match the specifications set by the GDA members before they are made available to other Resy users, and (c) access to exclusive events. GDA reservations are accessible through the Resy App and Website ("Resy Sites") and Concierge. Some features of GDA, like Priority Notify, may not be available through Concierge. To access this benefit through the Resy App, you must download the Resy App; or if you already have the Resy App, ensure the latest update is downloaded. When using the Resy Sites, create a Resy account or log into your existing Resy account and add your eligible Card to your Resy account. If you are assigned a new Card number, you must update the Card number in your Resy account. When you use GDA, a badge will be placed on your Resy profile, letting restaurants know that you are a member of the GDA program. Reservations are based on a first-come, first-served basis. In the event of a reservation cancellation, you will be subject to the restaurant's cancellation policy. Generally, same-day reservations that are not booked by GDA members are released back to restaurants at certain times of day that vary across restaurant policies. American Express and Resy make no representations or warranties regarding the availability of reservations, events, and/or experiences, which shall at all times be subject to availability and the discretion of the applicable restaurant. Please include any dietary restrictions, food allergies or requested accommodations in your Resy profile. American Express and Resy are not responsible for any dietary restrictions, allergies, or for not being able to accommodate such restrictions or allergies. There is no cost to you for booking services through GDA, although you are responsible for any purchases or fees you authorize to be charged to your Card account. GDA reservations and events are intended for personal use only and cannot be resold or used for commercial purposes. By participating in the GDA program, you are accepting these GDA terms and conditions, which are in addition to and do not replace the Resy Sites' Terms of Service. To be eligible for this benefit, your Card account must not be cancelled. The GDA benefit provided through Resy is intended solely for personal use by eligible American Express^® Card Members. To maintain fairness and prevent abuse of this benefit, Resy reserves the right to investigate through reasonable means any account that is suspected of using the GDA benefit in a manner that violates these GDA terms and conditions or Resy Sites' Terms of Service (including, but not limited to, "Usage Guidelines" that are provided therein). If upon such review, Resy determines, based on its reasonable discretion, that any of the aforementioned terms have been violated, Resy and American Express reserves the right to enforce appropriate consequences, including suspension or termination of access to the GDA benefit, termination of your Resy profile, and/or termination of associated American Express Card products. In conducting such review, Resy reserves the right to verify an account's compliance with all applicable terms and conditions through reasonable means, which may include requesting additional documentation or evidence of Card ownership to confirm eligibility and appropriate usage.

Hilton Honors Gold Status Enrollment

Enrollment through American Express is required to receive the benefit. Business Platinum Card^® Members and Additional Business Platinum Card^® Members on the Business Platinum Card^® Account can enroll in complimentary Hilton Honors Gold status in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card. If a Card Member already has a Hilton Honors Number, they may enter it on the benefit page prior to enrollment. Benefit available only to Business Platinum Card^® Members and is not transferable. Once the Card Member requests enrollment in the Hilton Honors program, American Express will share their enrollment information with Hilton. Hilton may use this information in accordance with its privacy policy available at hilton.com/en/p/global-privacy-statement/. Enrollment in the Hilton Honors Gold status benefit usually occurs within 72 hours, but in limited instances it may take longer. Please call the number on the back of your Card for assistance if you have not received a benefit enrollment communication with the status of your enrollment within 10 days from the date you enrolled through American Express. Enrolled Card Members will maintain Hilton Honors Gold Status without meeting otherwise required Hilton Honors criteria as long as the Card Member remains an eligible American Express Card Member or until American Express notifies the Card Member that the benefit is terminated. If your Business Platinum Card^® is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. American Express reserves the right to change, modify or revoke complimentary Gold status at any time. If your complimentary Gold status is cancelled, you may be able to maintain your Gold status by qualifying under the Hilton Honors Program terms. Gold status benefits are subject to availability and vary by hotel; see Hiltonhonors.com/MemberBenefits, Hilton.com/en/hilton-honors/benefit-terms/, HiltonHonors.com/SLHTerms, and HiltonHonors.com/AutoCampTerms for additional details. The Hilton Honors Program, including the benefits of Hilton Honors membership, are subject to Hilton Honors Terms and Conditions; see hiltonhonors.com/terms.

To be eligible for this benefit, Card Account(s) must not be cancelled. If your Card has been replaced, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card.

Hilton Honors Status

Hilton Honors status benefits are subject to availability and vary by hotel; see Hiltonhonors.com/MemberBenefits, Hilton.com/en/hilton-honors/benefit-terms/, HiltonHonors.com/SLHTerms, and HiltonHonors.com/AutoCampTerms for additional details. The Hilton Honors Program, including the benefits of Hilton Honors Membership, are subject to Hilton Honors Terms and Conditions; see Hiltonhonors.com/terms.

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.

Leaders Club Sterling Status from The Leading Hotels of the World^®

Enrollment through American Express is required to receive the benefit. U.S. Consumer and Business Platinum Card^® Members and any Additional Platinum Card^® Members on the Card Account are eligible to enroll and receive Leaders Club Sterling Status from The Leading Hotels of the World^® benefit.

Enrollment requires that the Card Member be a member of The Leading Hotels of the World, Ltd.'s Leaders Club. If a Card Member does not have a Leaders Club account, the Card Member can enroll in the Leaders Club program by visiting www.lhw.com/membership/amex and following the instructions to register. Once registration is complete, the Card Member will be provided with a Leaders Club number that must be entered in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card to enroll in the Leaders Club Sterling Status from The Leading Hotels of the World benefit.

Benefit is available to Business and Consumer Platinum Card Members, is not transferrable and has no cash value. Once the Card Member requests enrollment in the Leaders Club Sterling Status from The Leading Hotels of the World benefit, American Express will share the Card Member's enrollment information with The Leading Hotels of the World, who may use this information in accordance with its privacy policy available at lhw.com/privacy-policy. No more than 6 eligible American Express Cards can be linked to a Leaders Club account number. Enrollment in the Leaders Club Sterling Status from The Leading Hotels of the World benefit usually occurs within 72 hours, but in limited instances it may take longer. Please call the number on the back of your Card for assistance if you have not received a benefit enrollment communication with the status of your enrollment within 10 days from the date you enrolled through American Express. Enrolled Card Members who have completed enrollment for the Leaders Club Sterling Status from The Leading Hotels of the World benefit will maintain the Leaders Club Sterling status without otherwise meeting the Leaders Club Sterling status criteria as long as the Card Member remains an eligible American Express Card Member or until American Express notifies the Card Member that the benefit has been terminated. If a Card Member's Platinum Card^® is cancelled for any reason, the complimentary Leaders Club Sterling status benefit will be cancelled.

American Express reserves the right to change, modify or revoke the Leaders Club Sterling Status from The Leading Hotels of the World benefit at any time. If American Express, in its sole discretion, determines that a Card Member has engaged in or intends to engage in any manner of abuse, misuse, or gaming in connection with the Leaders Club Sterling status from The Leading Hotels of the World benefit in any way, American Express may revoke the Card Member's Sterling status benefit. If the Leaders Club Sterling Status from The Leading Hotels of the World benefit is terminated by American Express, Card Members may be able to maintain Sterling status by qualifying under The Leading Hotels of the World's Leaders Club Terms and Conditions. Membership in the Leaders Club and the right to receive Leaders Club benefits are subject to The Leading Hotels of the World's Leaders Club Terms and Conditions which can be found at www.lhw.com/terms-and-conditions#lc-tcs.

To be eligible for the Leaders Club Sterling status from The Leading Hotels of the World benefit, Card Account(s) must not be cancelled and you must remain in good standing. If your Card has been replaced, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the Leaders Club Sterling status from The Leading Hotels of the World benefit. For additional information, call the number on the back of your Card.

Lowest Hotel Rates Guarantee

Valid only for American Express Card Members. If you book a qualifying hotel rate on amextravel.com or the Amex Travel App^™ 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, the same cancellation policy, the same change and refund policies, and the same deposit policies at a lower price online, before taxes and fees, we'll refund you the difference. Rate type refers to whether the hotel rate is prepaid at time of booking ("Pay Now") or payable at check-in ("Pay Later"). Deposit policies refer to any advance payment required to secure the reservation. For prepaid 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

Lufthansa Lounge Access – Platinum

This benefit is available to U.S. Business Platinum Card^® Members. Platinum Card Members have access to Lufthansa Lounges through September 30, 2026. Effective October 1, 2026, Platinum Card Members will not have access to any Lufthansa Lounges. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Lufthansa lounges benefit. Platinum Card Members have complimentary access to select Lufthansa Business Lounges (regardless of ticket class) and Lufthansa Senator Lounges (when flying business class) when flying on a Lufthansa Group flight. To access the Lufthansa lounges, Platinum Card Member must present their valid Platinum Card, a government issued I.D., and a same-day departure boarding pass showing a confirmed reservation on a Lufthansa Group flight (Lufthansa, SWISS and Austrian airlines). Card Members must adhere to all rules of participating lounges. Participating lounges and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating lounges. In some Lounges the Platinum Card Member must be at least 18 years of age to enter without a parent or guardian. Must be of legal drinking age to consume alcoholic beverages. Please drink responsibly.

For the most current list of Lufthansa lounges, guest access requirements, rules, and pricing policy, please visit https://www.lufthansa.com/de/en/lounges.

Marriott Bonvoy^® Gold Elite Status

Enrollment through American Express is required to receive the benefit. Business Platinum Card^® Members and Additional Business Platinum Card^® Members are eligible to enroll in the complimentary Marriott Bonvoy^® Gold Elite Status benefit in the Benefits section of their americanexpress.com online account or by calling the number on the back of their Card. If a Card Member already has a Marriott Bonvoy account number, they may enter it in the Benefits section prior to enrollment. Once the Card Member requests enrollment, American Express will share their enrollment information with Marriott International Inc. Marriott Bonvoy may use this information in accordance with its privacy statement available at www.marriott.com/about/privacy.mi. Enrollment into the Marriott Bonvoy program is required to receive program benefits, and enrollment may be terminated without prior notice subject to Marriott Bonvoy terms and conditions. Enrollment usually occurs within 3-5 business days, but in limited instances it may take longer. Please call the number on the back of your Card for assistance if you have not received a benefit enrollment confirmation within 10 days from the time you requested enrollment. The Marriott Bonvoy program is subject to change and certain eligibility requirements and benefit availability may vary by property. Marriott Bonvoy Gold Elite status benefits may be combined with the American Express Fine Hotels + Resorts program. Not all Marriott International brand properties participate in the Marriott Bonvoy program. Reservations booked through third parties and online booking services are not eligible to earn Marriott Bonvoy points, miles or Gold Elite Status benefits. All Marriott Bonvoy program terms and conditions apply; for complete terms and conditions, visit www.marriottbonvoy.com/terms. American Express reserves the right to instruct Marriott Bonvoy to remove Gold Elite status if the Card Member ceases to be a Business Platinum Card^® Member or their account is cancelled or past due. To be eligible for this Gold Elite status benefit, Card Account(s) must not be cancelled and you must remain in good standing with Marriott Bonvoy. If your Card has been replaced, please check the Benefits section of your americanexpress.com account, mobile app or call the number on the back of your Card to confirm your continued enrollment in the Gold Elite status benefit. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this the Gold Elite status benefit in any way, American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card.

Marriott Bonvoy^® Silver, Gold, Platinum Elite Status

Marriott Bonvoy^® Elite status benefits may vary by property; see https://www.marriott.com/loyalty/member-benefits.mi for additional details. The Marriott Bonvoy program, including the benefits of Marriott Bonvoy Elite status benefits, are subject to the Marriott Bonvoy Loyalty Program Terms and Conditions, available at https://www.marriott.com/loyalty/terms/default.mi.

Membership Rewards^® Pay with Points at AmexTravel.com

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 your Card is eligible for Pay Over Time and 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 - Redeem for Deposits

You may redeem Membership Rewards^® points for deposits into your American Express^® Business Checking Account at the standard rate of 1000 points for an $8 deposit. If you have a Business Platinum Card^® and an American Express Business Checking Account linked to the same Membership Rewards Account, you can redeem points for a deposit at a rate of 1000 points for $10 for up to 1,000,000 points per calendar year, after which you may continue to redeem points at the standard rate. There is no minimum number of points needed to use Redeem for Deposits. American Express will deduct the number of points you select from your Membership Rewards Account and deposit a corresponding dollar amount into your checking account. Generally, deposits will post to your account within 48 hours of redemption. For more information, visit membershiprewards.com/terms.

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 Foreign Transaction Fees

American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on foreign transactions.

No Preset Spending Limit

No Preset Spending Limit means the 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

These terms will be effective through January 31, 2027.

Pay Over Time Option
Eligible Charges: Purchases made by you or any Additional Card Member on your account (along with any associated foreign transaction fees) and Annual Membership Fees are eligible. The following types of charges are ineligible: cash equivalents, certain insurance premiums, and any other fees owed to American Express. 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.

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.

Effective on February 1, 2027, the above terms will be replaced with the following terms:

Pay Over Time
Eligible Charges:
Purchases made by you or any Additional Card Member on your account (along with any associated foreign transaction fees) and Annual Membership Fees are eligible. The following types of charges are ineligible: cash equivalents, certain insurance premiums, and any other fees owed to American Express. 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.

Pay Over Time Balance:
On the Transaction Date, eligible charges will be automatically added to your Pay Over Time balance on the transaction date provided by the merchant, or on the date when an eligible Annual Membership Fee is charged to your account, subject to your Pay Over Time Limit. If the addition of an entire charge to your Pay Over Time balance would cause your Pay Over Time balance to exceed your Pay Over Time Limit, that charge will be added to your Pay In Full balance. The transaction date provided by the merchant may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses the shipping date as the transaction date. Charges with the same transaction date will be added to your Pay Over Time balance in any order we choose.

On the Closing Date, if 1) your Pay Over Time balance is less than your Pay Over Time Limit, and 2) there are eligible new charges in your Pay In Full balance, you authorize us to automatically move all or a portion of those charges to your Pay Over Time balance, subject to your Pay Over Time Limit. If the addition of a charge to your Pay Over Time balance would cause your Pay Over Time balance to exceed your Pay Over Time Limit, we will move a portion of that charge to your Pay Over Time balance, up to your Pay Over Time Limit. The remaining portion of the charge will remain in your Pay In Full balance. Eligible charges will be moved to your Pay Over Time balance in order of the transaction dates. Charges with the same transaction date will be added to your Pay Over Time balance in any order we choose. A new charge, or a portion of a new charge, will not be eligible to be moved to your Pay Over Time balance on your Closing Date if:
●    that charge is subject to a Foreign Transaction Fee;
●    that charge or a portion of that charge is disputed (for a reason other than fraud) and that dispute is not resolved in the same billing period in which it was opened;
●    that charge or a portion of that charge is reported as fraudulent and either (i) we determined the charge is fraudulent in the same billing period in which it was posted to your Account, or (ii) we have not yet determined if the charge is fraudulent in the same billing period in which it was posted to your Account;
●    your Account is cancelled or enrolled in a payment program.

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. Your Pay Over Time balance cannot exceed your Pay Over Time Limit. If the addition of a charge would cause your Pay Over Time balance to exceed your Pay Over Time Limit, that charge will be added to your Pay In Full 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. We may approve or decline a charge regardless of whether your Card Account balance is greater or less than your Pay Over Time Limit. 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.

Interest on Your Pay Over Time Balance(s):
For charges added automatically to a Pay Over Time balance at the time they post to your account, we charge interest from the transaction date. 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. 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.

Platinum Destinations^® Vacations

Platinum Destinations^® Vacations ("PDV") benefits are valid only for new bookings made with participating suppliers by calling the number on the back of your eligible Card. Participating suppliers and PDV benefits are subject to change. Benefits cannot be combined with other offers unless indicated. Benefits are valid only for eligible U.S. Consumer and Business Platinum and Centurion^® Card Members (Delta SkyMiles^® Platinum Card Members are not eligible). PDV bookings must be made and paid for using the eligible Card and eligible Card Member must be traveling on the itinerary booked. Any charges on your eligible Card made outside of American Express Travel^® will not qualify for additional points, including installments or other payments made directly to a participating supplier. PDV-eligible Card Members that are Membership Rewards program-enrolled will receive one (1) extra Membership Reward^® point per eligible dollar spent on PDV bookings; separate airfare and other charges associated with PDV bookings are not eligible. Extra points will be credited to the Card Member's Membership Rewards account within 10-12 weeks after final payment is made. For more information visit membershiprewards.com/terms.

Platinum Member Airfares^™ and Centurion Member Airfares^™

Platinum Member Airfares and Centurion Member Airfares provide Platinum Card and Centurion Members with access to reduced fares when compared to the fares available to other American Express Card Members through Amex Travel. Platinum Member Airfares and Centurion Member Airfares are available only for the following Eligible Card Members: (a) Basic U.S. Consumer, Business, and Corporate Platinum Card^® and Centurion^® Card Members; and (b) Additional Platinum Cards on U.S. Consumer and Business Platinum Card Accounts and Additional Centurion and Additional Platinum Cards on U.S. Consumer and Business Centurion Accounts. Platinum Member Airfares and Centurion Member Airfares are for savings on select first class, business class, and premium economy tickets with participating airlines on designated international flights booked through American Express Travel. Platinum Member Airfares and Centurion Member Airfares may also be available for savings on: (i) select economy tickets with limited participating airlines on designated international flights booked through American Express Travel and (ii) select tickets with limited participating airlines on designated domestic flights booked through American Express Travel. Participating airlines and ticket availability are subject to change. Bookings must be made by an Eligible Card Member using an American Express Card in their name for themselves and up to seven passengers traveling on the same itinerary. Delta SkyMiles^® Card Members, Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Business Expense Card Members on Business Platinum and Centurion Card Accounts are not eligible for Platinum Member Airfares and Centurion Member Airfares. Platinum Member Airfares and Centurion Member Airfares are available for round trip adult tickets. All other journey and passenger types may be excluded. Routes may vary by airline and are subject to change. Most tickets will originate in and return to U.S. gateway (may exclude certain overseas territories) and select Canadian gateways. Savings are applied to the base airfare. Savings do not apply to applicable government-imposed taxes and fees or any applicable airline-imposed fees (including baggage, seat selection or other airline ancillary fees that are not included with the ticket). Savings are not combinable with other airline offers unless otherwise indicated. Lower fares may be available elsewhere. Airline fare rules and restrictions apply and are subject to change at the discretion of the airline. American Express and the airline reserve the right to modify or revoke airline benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in abuse, misuse, or gaming in connection with your airline benefits. Tickets are non-refundable unless otherwise indicated. Tickets are non-transferable; name changes are not permitted. Changes to tickets (if permitted) may incur an airline-imposed change fee, and/or any difference in fare. Exchanges may not be permitted. Cancellations of tickets (if permitted) may incur an airline-imposed cancellation fee.

Platinum Nights^™ by Resy

U.S. Consumer, Business, and Corporate Platinum Card Members are eligible to receive access to the Platinum Nights^™ by Resy benefit. Additional Card Members on U.S. Consumer and Business Platinum Card Accounts are also eligible to receive access.

The Platinum Nights by Resy benefit provides eligible Card Members with access to in-restaurant dining reservations on select nights in select cities. Reservations are limited, vary by restaurant and are available on a first-come, first-served basis. Reservation release dates will be determined by each restaurant according to their own policies which vary by restaurant. Reservations are subject to the restaurants' respective cancellation policies, which can be found on their Resy venue page. Resy reserves the right to release reservations to other Resy users at any time. ​Payment using an American Express^® Card is encouraged.

To access the Platinum Nights by Resy benefit, an eligible American Express Card must be added to your Resy profile. Platinum Nights by Resy reservations will be accessible through resy.com/platinum, Resy.com, the Resy iOS app, and American Express Concierge (collectively, "Resy Sites"). To access these reservations through the Resy iOS app, you must download the Resy iOS app, or if you already have the Resy iOS app, ensure the latest version is downloaded. When using the Resy Sites, create a Resy profile, or log into your existing Resy profile, and add your eligible Card. If you are assigned a new Card number (for example, if you replace your Card or if your Card has expired), you must update the Card number in your Resy profile.

American Express and Resy make no representations or warranties regarding the availability of reservations, events, and/or experiences, which are subject to availability and the discretion of the applicable restaurant. In-person and over-the-phone reservations (i.e., without using Resy) may be accommodated, subject to space and availability limitations. Please include any dietary restrictions, food allergies, or requested accommodations in your Resy profile. American Express and Resy are not responsible for any dietary restrictions, food allergies, or for not being able to accommodate such restrictions or allergies. You are responsible for any purchases or fees associated with your reservation(s). Platinum Nights by Resy reservations are intended for personal use only and cannot be transferred, redistributed, or otherwise sold to another individual or entity. Must be 21 years of age to consume alcoholic beverages. Please drink responsibly.

The Platinum Nights by Resy benefit provided through Resy is intended solely for personal use by eligible American Express Card Members. To maintain fairness and prevent abuse of this benefit, Resy reserves the right to investigate through reasonable means any account that is suspected of using the Platinum Nights by Resy benefit in a manner that violates these Platinum Nights by Resy terms and conditions or Resy Sites' Terms of Service (including, but not limited to, "Usage Guidelines" that are provided therein). If upon such review, Resy determines, based on its reasonable discretion, that any of the aforementioned terms have been violated, Resy and American Express reserve the right to enforce appropriate consequences, including suspension or termination of access to the Platinum Nights by Resy benefit, termination of your Resy profile, and/or termination of associated American Express Card products. In conducting such review, Resy reserves the right to verify an account's compliance with all applicable terms and conditions through reasonable means, which may include requesting additional documentation or evidence of Card ownership to confirm eligibility and appropriate usage.

By making a Platinum Nights by Resy reservation, you agree to these Platinum Nights by Resy terms and conditions, which supplement the Resy Terms of Service: https://resy.com/terms. To be eligible for this benefit, you must have an active and eligible card. For more information, please visit resy.com/platinum.

Plaza Premium

This benefit is available to U.S. Business Platinum Card^® Members. Companion Platinum Cards on Consumer Platinum Accounts and Additional Gold and Additional Business Expense Cards on Business Platinum Accounts are not eligible for the Plaza Premium Lounges benefit. Card Members receive complimentary access to any global location of Plaza Premium Lounges. Card Member must present their valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and government-issued I.D. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. Card Members may bring up to two (2) companions into Plaza Premium Lounges as complimentary guests. Must be of legal drinking age to consume alcohol. Please drink responsibly. Card Member must adhere to all house rules of participating lounges. Card Members and their guests will receive all of the complimentary benefits and amenities afforded to the Plaza Premium Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Plaza Premium Lounge locations are subject to change.

Premium Events Collection™

Consumer, Business, and Corporate Platinum Card® and Centurion® Members are eligible for Premium Events Collection™ experiences. Additional Platinum Cards on Consumer and Business Platinum accounts as well as Additional Platinum and Centurion Members on Consumer and Business Centurion Accounts are also eligible to receive access. Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. All sales are final and non-refundable, non-transferable and resale is strictly prohibited. Details and prices are subject to change. Payment must be made using an eligible Platinum Card® or Centurion® Card. Card Members may be asked to present their eligible American Express Card used to purchase the packages to be admitted into the event. Failure to present the Card could result in denied entry to the event and possible termination of the packages without refund. Packages are available on a first-come, first-served basis. Availability is limited. Must be 21 years of age or older to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to limit the number of events Card Members (and their guests) may attend and to cancel tickets/packages without refund for any violations of the terms and conditions of this event. American Express also reserves the right to remove any person from any event for inappropriate behavior including, but not limited to, conduct that is disruptive, abusive, or violent. American Express is not responsible for the actions or inactions of any third party. For more information, please visit americanexpress.com/entertainment.

Premium Global Assist^® Hotline

While Premium Global Assist^® Hotline coordination and assistance services are offered at no additional charge from American Express, Card Members may be responsible for the costs charged by third-party service providers. Premium Global Assist Hotline may provide emergency medical transportation assistance at no cost if approved and coordinated by Premium Global Assist Hotline. For full Terms and Conditions call 1-800-345-AMEX or see americanexpress.com/GAterms.

Priority Pass™

This benefit is available to U.S. Business Platinum Card^® Members. Business Platinum Card^® Members and Additional Business Platinum Card^® Members must enroll in the Priority Pass™ program through the benefits section of their americanexpress.com account or by calling the number on the back of their Card to receive the benefit. Companion Platinum Cards on Consumer Platinum Accounts and Employee Business Gold Rewards Cards and Employee Business Expense Cards on Business Platinum Accounts are not eligible for the Priority Pass benefit. Priority Pass is an independent airport lounge access program. You acknowledge and agree that American Express will verify your Card Account number and provide updated Card Account information to Priority Pass. Priority Pass will use this information to fulfill on the Priority Pass program and may use this information for marketing related to the program. Once enrolled, Business Platinum Card^® Members with a valid Card Account may access participating Priority Pass lounges by presenting their Priority Pass card and airline boarding pass. If the Card Account is canceled, you will not be eligible for Priority Pass and your enrollment will be canceled. When visiting a Priority Pass lounge that admits guests, Business Platinum Card^® Members receive complimentary access for up to two accompanying guests. After two guests, the Card Account on file with Priority Pass will be automatically charged the guest visit fee of the Priority Pass Standard program for each additional guest after you have signed up for the additional guest visit and it has been reported to Priority Pass by the participating lounge. Some lounges limit the number of guests or do not admit guests. In some lounges, Priority Pass members must be 21 years of age to enter without a parent or guardian. Priority Pass members must adhere to all house rules of participating lounges and access to participating lounges is subject to all rules, terms and conditions of the applicable lounge. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass lounge partners and locations are subject to change. All Priority Pass members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass card and membership package which you should receive within 10–14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express^® Card. To receive immediate access to lounges after your enrollment in Priority Pass has been processed, you can activate your membership online by using your Priority Pass membership details to receive a Digital Membership Card. For a step-by-step guide on the activation process, visit prioritypass.com/activation.

Effective May 19, 2026, guest visit fees may be automatically charged to your Card or paid during the check-in process at the Priority Pass lounge, as instructed by check-in staff at the Priority Pass lounge.

Effective June 22, 2026, you acknowledge and agree that American Express will verify your email address and provide that information to Priority Pass. Priority Pass will use this information to fulfill the Priority Pass program and may use this information for marketing related to the program. Upon receipt of your enrollment information, Priority Pass will send you (a) email instructions to receive your Priority Pass Digital Membership Card or (b) a membership package by mail within 10-14 business days containing your physical Priority Pass Card. Once enrolled in Priority Pass, Business Platinum Card^® Members whose Card account is not cancelled may access participating Priority Pass lounges by presenting their valid physical Priority Pass Card or their Priority Pass Digital Membership Card and airline boarding pass. Business Platinum Card^® Members may be able to enter select Priority Pass lounges by presenting their valid physical Business Platinum Card^® and airline boarding pass. Check-in staff at the Priority Pass Lounge will be able to advise if this check-in method is available.

Return Protection

Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

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

Sidecar by The Centurion^® Lounge

U.S. Business Platinum Card^® Members have complimentary access to Sidecar by The Centurion^® Lounge. Please visit thecenturionlounge.com for more information on Sidecar by The Centurion Lounge availability. Companion Platinum Cards on Consumer Platinum Accounts and Employee Business Expense Cards on Business Platinum Accounts are not eligible for access to Sidecar by The Centurion Lounge. All access to Sidecar by The Centurion Lounge is subject to space availability. To access Sidecar by The Centurion Lounge, Platinum Card Members must arrive within 90 minutes of their departing flight (including layovers) and present the Sidecar by The Centurion Lounge agent with the following upon each visit: their valid Card, and boarding pass showing a confirmed reservation with a seat/boarding zone assignment for a departing flight on the same day on any carrier. Name on boarding pass must match name on the Card. Card Members may be asked to present the Sidecar by The Centurion Lounge agent with a government issued ID as part of the check-in process. Failure to present this documentation may result in access being denied. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Sidecar by The Centurion Lounge visitors must be of legal drinking age in the jurisdiction where Sidecar by The Centurion Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from Sidecar by The Centurion Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into Sidecar by The Centurion Lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among Sidecar by The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in Sidecar by The Centurion Lounge, certain services, products or amenities may be offered for sale and you are responsible for any purchases of such services, products or amenities. Services available at the Member Services Desk are based on the type of American Express Card used to enter Sidecar by The Centurion Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with Sidecar by The Centurion Lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge and to Sidecar by The Centurion Lounge from the Platinum Account. Use of Sidecar by The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

U.S. Platinum Card Members, U.S. Business Platinum Card Members and Additional U.S. Platinum Card Members on the Account will be charged a $50 USD fee for each guest (or $30 for children aged 2 through 17, with proof of age) per location unless they have qualified for Complimentary Guest Access. All guests must be traveling on the same flight as the Card Member. If you choose to visit multiple locations of The Centurion Lounge and/or Sidecar by The Centurion Lounge in the same day, guest fees will apply at each location. U.S. Platinum Card and U.S. Business Platinum Card Members may qualify for Complimentary Guest Access for up to two (2) guests per visit to locations of Sidecar by The Centurion Lounge in the U.S. ("Complimentary Guest Access"), after spending $75,000 or more on eligible purchases on the Platinum Account in a calendar year. Once effective, Complimentary Guest Access will be available for the remainder of the calendar year in which it became effective, the following calendar year, and until January 31 of the next calendar year (for example, if Complimentary Guest Access became effective on May 1, 2025, it would remain effective until January 31, 2027). Eligible purchases made by any Additional Card Members on the Platinum Account will contribute to the purchase requirement. Complimentary Guest Access is limited to two (2) guests per Card Member per visit, regardless of whether you are eligible for complimentary guest access through multiple Platinum Accounts or through other Amex Cards. Guest access policies may vary internationally by location and are subject to change.

Eligibility for Complimentary Guest Access will typically be processed within a week of the Platinum Account's meeting the purchase requirement, but may take up to 12 weeks to become effective. Complimentary Guest Access status will be reflected in the Benefits tab of your online Account and in the American Express App. Eligible purchases to meet the purchase requirement are for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a different American Express Card to a Platinum Account, eligible purchases made on that Card Account will count toward meeting the purchase requirement to achieve Complimentary Guest Access on the new Platinum Account.

The Centurion^® Lounge

U.S. Business Platinum Card^® Members have unlimited complimentary access to all locations of The Centurion^® Lounge. Companion Platinum Cards on Consumer Platinum Accounts and Employee Business Expense Cards on Business Platinum Accounts are not eligible for access to The Centurion Lounge. All access to The Centurion Lounge is subject to space availability. To access The Centurion Lounge, Platinum Card Members must arrive within 3 hours of their departing flight and present The Centurion Lounge agent with the following upon each visit: their valid Card and boarding pass showing a confirmed reservation with a seat/boarding zone assignment for a departing flight on the same day on any carrier. Name on boarding pass must match name on the Card. Card Members may be asked to present The Centurion Lounge agent with a government issued ID as part of the check-in process. Failure to present this documentation may result in access being denied. During a layover, Card Members must arrive within 5 hours of the connecting flight. Same-day round trip itineraries are not considered connecting flights. Card Members must be at least 18 years of age to enter without a parent or legal guardian. All Centurion Lounge visitors must be of legal drinking age in the jurisdiction where the Lounge is located to consume alcoholic beverages. Please drink responsibly. American Express reserves the right to remove any person from the Lounge for inappropriate behavior or failure to adhere to rules, including, but not limited to, conduct that is disruptive, abusive or violent. Soliciting other Card Members for access into our Lounge is not permissible. Hours may vary by location and are subject to change. Amenities vary among The Centurion Lounge locations and are subject to change. Card Members will not be compensated for changes in locations, rates or policies. In addition to the complimentary services and amenities in the Lounge, certain services, products or amenities may be offered for sale, and you are responsible for any purchases of such services, products or amenities. Services available at the Member Services Desk are based on the type of American Express Card used to enter the Lounge. American Express will not be liable for any articles lost or stolen or damages suffered by visitors to The Centurion Lounge. If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with Lounge access in any way or that you intend to do so, we may remove access to The Centurion Lounge from the Platinum Account. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.

U.S. Platinum Card Members, U.S. Business Platinum Card Members and Additional U.S. Platinum Card Members on the Account will be charged a $50 fee for each guest (or $30 for children aged 2 through 17, with proof of age) per location unless they have qualified for Complimentary Guest Access. All guests must be traveling on the same flight as the Card Member. If you choose to visit multiple locations of The Centurion Lounge and/or Sidecar by The Centurion Lounge^® in the same day, guest fees will apply at each location. U.S. Platinum Card and U.S. Business Platinum Card Members may qualify for Complimentary Guest Access for up to two (2) guests per visit to locations of The Centurion Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website) ("Complimentary Guest Access"), after spending $75,000 or more on eligible purchases on the Platinum Account in a calendar year. Once effective, Complimentary Guest Access will be available for the remainder of the calendar year in which it became effective, the following calendar year, and until January 31 of the next calendar year (for example, if Complimentary Guest Access became effective on May 1, 2025, it would remain effective until January 31, 2027). Eligible purchases made by any Additional Card Members on the Platinum Account will contribute to the purchase requirement. Complimentary Guest Access is limited to two (2) guests per Card Member per visit, regardless of whether you are eligible for complimentary guest access through multiple Platinum Accounts or through other Amex Cards. Guest access policies (including, but not limited to, guest fees and number of complimentary guests per visit) applicable to international locations of The Centurion Lounge may vary by location and are subject to change. Please visit thecenturionlounge.com (the "Centurion Lounge Website") to learn more about guest access policies for international locations of The Centurion Lounge.

Eligibility for Complimentary Guest Access will typically be processed within a week of the Platinum Account's meeting the purchase requirement, but may take up to 12 weeks to become effective. Complimentary Guest Access status will be reflected in the Benefits tab of your online Account and in the American Express App. Eligible purchases to meet the purchase requirement are for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or other cash equivalents. If a Card Member upgrades or downgrades from a different American Express Card to a Platinum Account, eligible purchases made on that Card Account will count toward meeting the purchase requirement to achieve Complimentary Guest Access on the new Platinum Account.

The Hotel Collection Program

The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for the following Eligible Card Members: (a) U.S. Consumer and Business Gold Card, Platinum Card^® Members, and Centurion^® Members; and (b) Additional Card Members on Consumer and Business Platinum Card Accounts, and Additional Card Members on Consumer and Business Centurion Accounts. Delta SkyMiles^® Gold and Platinum Card Members are not eligible for THC program benefits. Each eligible THC booking includes the following program benefits: (1) a $100 credit towards eligible charges, (2) 4pm late check-out when available, (3) 12pm check-in when available, and (4) room upgrade upon arrival when available. To receive program benefits, (i) the booking must be made and paid for using an Eligible Card, or another American Express^® Card, in the Eligible Card Member's name, (ii) the Eligible Card Member must be traveling on the itinerary booked, and (iii) charges for program benefits (if applicable) must be billed to the hotel room. If paying for the booking at the property, the Eligible Card Member may need to provide a physical American Express Card. Any applicable program-related credits will be applied at checkout in USD or the local currency equivalent. Noon check-in, 4pm late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of $100 credit and any additional benefit (if applicable) varies by property; the credit will be applied to eligible charges up to the amount of the credit. 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, bookings made by different Card Members staying in the same room or bookings made by different Card Members traveling in the same party, in each case, within a 24-hour period at the same property, are considered one stay and are only eligible for one set of THC benefits for the entirety of such stay. American Express and the Property reserve the right to modify or revoke THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in abuse, misuse, or gaming in connection with your THC benefits. Eligible Card Members are entitled to the benefits offered by the property on the booking check-in date. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your Eligible Card Account must not be cancelled.

Total Card Limit for Employee Cards

You may add up to 99 total Employee Cards on your account.

Trip Cancellation and Interruption Insurance

Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to the Card Member. Coverage is subject to certain terms, conditions and limitations, including limitations on the amount of coverage. This benefit provides secondary coverage. For more information about the coverage, please see the Guide to Benefits at americanexpress.com/TCITerms.

Trip Delay Insurance

Coverage is provided by New Hampshire Insurance Company, an AIG Company, at no-additional-cost to the Card Member. Coverage is subject to certain terms, conditions and limitations, including limitations on the amount of coverage. This benefit provides secondary coverage. For more information about the coverage, please see the Guide to Benefits at americanexpress.com/TDTerms.

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.

Vendor Pay

Vendor Pay by BILL 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 and subject to change at BILL's discretion. Fees are in addition to American Express Card fees. There are additional per transaction fees for check and ACH services.

Wireless Credit

Only the Basic Card Member or Authorized Account Manager(s) on a Business Platinum Card^® Account can enroll the Card Account in the benefit. Eligible purchases must be charged to the enrolled Card Account for the benefit to apply. Purchases by both the enrolled Basic Card Member and Employee Card Members on the enrolled Card Account are eligible for statement credits. However, each Card Account is only eligible for up to $10 in statement credits per month. Valid only on purchases for monthly wireless telephone service charges made directly from a wireless telephone service provider in the United States and U.S. Territories. Purchases for hardware and equipment are NOT included. Any purchases from Google Fi, third parties, authorized retailers or resellers are excluded. Bundled services offered by Wireless companies for TV, Internet and VoIP (Voice Over Internet Protocol) services are excluded. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. For more details on eligible purchases and exclusions, please go to americanexpress.com/rewards-info. Additional terms and restrictions apply. Please allow up to 8 weeks after an eligible purchase is charged to the enrolled Card Account for statement credit(s) to be posted to the Account. Please call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. American Express relies on the merchant's processing of transactions to determine the transaction date. If there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date, then your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, the January statement credit would be applied if available. If you have transferred to a different Card at the time the merchant submits the transaction, you may not receive the statement credit. Merchants are assigned codes based on what they primarily sell. A purchase will not earn statement credits if the merchant's code is not eligible. If American Express does not receive information that identifies your transaction as eligible for the statement credit, you will not receive the statement credit. For example, your transaction will not be eligible if it is not made directly with the merchant. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn statement credit. A purchase may not earn statement credit if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Note that American Express may not receive information about your eligible purchase from a merchant until all items from your eligible purchase have been provided/shipped by the merchant. Statement credits may not be received or may be reversed if an eligible purchase is returned, refunded, cancelled, or modified. Statement credits for eligible purchases, or any reversals, may be applied to either the Pay in Full balance or the Pay Over Time balance regardless of where the eligible purchases originally posted. To be eligible for this statement credit, Card Account(s) must be not cancelled and not past due at the time of statement credits fulfillment. For additional information, call the number on the back of your Card.

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.