Important information regarding rates, fees, and other cost information

You can earn $1,500 cash back in the form of Reward Dollars after you spend $50,000 (the "Threshold Amount") or more in eligible purchases on your Card within your first 6 months of Card Membership, starting from the date your Account is opened. Eligible purchases can be made by the Basic Card Member and any Employee Card Members on a single Card Account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases to meet the Threshold Amount do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments or purchases of other cash equivalents. Employee Card Members on your Account are not eligible for this offer. You will receive the 1,500 Reward Dollars within 8-12 weeks after you meet the Threshold Amount. To receive the 1,500 Reward Dollars, your Card Account must not be past due or cancelled at the time of fulfillment.

The Basic Card Member can redeem Reward Dollars for statement credits or for eligible items at Amazon.com checkout. The Basic Card Member must link their Card Account to their Amazon.com account in order to use Reward Dollars at Amazon.com. When a Basic Card Member uses Reward Dollars at Amazon.com, we will charge their Card Account for the purchase, deduct the Reward Dollars from the available Reward Dollars on their Card Account, and apply a credit to their Card Account to reflect the Reward Dollars used. If the Reward Dollars used do not cover the full cost of the purchase, the difference will remain charged to the Basic Card Member's Card Account unless they pay the difference with an Amazon Gift Card. The credit to the Basic Card Member's Card Account may appear during a different billing cycle than the charge for the purchase. Even if you expect a credit on a future billing statement, you must pay the minimum amount due on each billing statement by the payment due date.

To link the Reward Dollars on your Card Account to your Amazon.com account, you must first add your eligible Card Account to your payment methods on your Amazon.com account and then you can link the Reward Dollars on your Card Account to your Amazon.com account by either: (a) making a purchase with your eligible Card Account at Amazon.com; or (b) selecting Learn More next to your eligible Card Account at checkout and completing the steps. Please allow up to 72 hours for the Reward Dollars on your Card Account to be linked. If you want to use Reward Dollars on your first purchase after adding your eligible Card Account, you must link your Card Account via option (b) above.

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

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

Amazon, the Amazon.com logo, the smile logo and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

In addition to these Terms and Conditions, the terms and conditions for Shop with Points at Amazon.com apply to eligible purchases made with Reward Dollars at Amazon.com.

Your period to spend $50,000 may be shorter than 6 months depending on when you receive your Card. Also, purchases may fall outside of the 6 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). You will receive the 1,500 Reward Dollars within 8-12 weeks after you meet 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.

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.

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 Reward Dollars from your Card Account. We may also cancel any Card Accounts you have with us.

The Annual Fee for the Graphite^™ Business Cash Unlimited Card is $295.

The Annual Fee for the Employee Graphite^™ Business Cash Unlimited Card is $95 for the first five Cards and $95 for each Card thereafter. Employee Business Expense Cards that have no Annual Fee are also available. You may add up to 99 total Employee Cards on your account.

2% Cash Back

Basic Card Members will earn Reward Dollars (Reward Dollars) for eligible purchases on their Graphite^™ Business Cash Unlimited Card (Card Account). The number of Reward Dollars earned is based on a percentage of the dollar amount of their eligible purchases during each billing period. Basic Card Members will earn a reward of 2% on all eligible purchases. 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, gift cards, or person-to-person transactions, or any portion of a purchase that is covered by Reward Dollars at point of sale. Basic Card Members can redeem Reward Dollars for statement credits or for eligible items at Amazon.com checkout, with no minimum redemption amount. Basic Card Members cannot use cash back to pay their New Balance (or Minimum Payment Due or Amount Due, if applicable) on their most recent billing statement. Statement credits, or any reversals of a statement credit, may be applied to either their Pay Over Time balance or Pay In Full balance, at our discretion. The Basic Card Member must link their Card Account to their Amazon.com account in order to use Reward Dollars at Amazon.com. When a Basic Card Member uses Reward Dollars at Amazon.com, we will charge their Card Account for the purchase, deduct the Reward Dollars from the available Reward Dollars on their Card Account, and apply a credit to their Card Account to reflect the Reward Dollars used. In addition to these Terms and Conditions, the terms and conditions for Shop with Points at Amazon.com apply to eligible purchases made with Reward Dollars at Amazon.com.

5% Cash Back on Flights and Prepaid Hotels Booked at American Express Travel^® Online

You will earn 5% cash back for each dollar charged for eligible travel purchases on your Graphite^™ Business Cash Unlimited Card from American Express. Eligible travel purchases include scheduled flights made online at AmexTravel.com or the Amex Travel App^™, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel, over the phone with our Travel Consultants or made online at 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 booked 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 5% cash back, you must both reserve and charge the travel purchase with the same eligible Graphite^™ Business Cash Unlimited Card. 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 call 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 5% cash back benefit. To be eligible to receive Reward Dollars, Card account(s) must not be cancelled or past due at the time of Reward Dollars fulfillment. If booking is cancelled, the Reward Dollars will be deducted from the cash back account. Reward Dollars earned will be credited to the cash back account approximately 6-10 weeks after eligible purchases appear on the billing statement.

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.

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 One AP^® Statement Credit

Basic Card Members on a U.S. Graphite^™ Business Cash Unlimited 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 Graphite^™ Business Cash Unlimited 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"). 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 cancelled or all additional payment method 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. Eligible purchases made by any Employee Card Members on the Graphite^™ Business Cash Unlimited Card 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.

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 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.

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.

Buy Big

Not all purchases will be approved. Your spending power will be based on your account status. If you are ever unsure if a large purchase would be approved, please use the Check Spending Power tool. Approval based on account status at the time of requests.

Cash Back at Amazon.com checkout

Cash Back Program – Amazon.com Redemptions

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

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

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

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

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

Amazon, the Amazon.com logo, the smile logo and all related logos are trademarks of Amazon.com, Inc. or its affiliates.

Cashflow and Payback Period

Depending on when you make a purchase on your Card, you have between 25 to 53 days to pay with no interest, provided you have paid the prior month's statement balance and current statement balance in full by the due date. You will have 25 calendar days for purchases made on the last day of the billing period and 53 calendar days for purchases made on the first day of the billing period.

Connect to QuickBooks

Connect to QuickBooks works with QuickBooks Online and is available for use with Business Cards from American Express. Any QuickBooks Online screen shots © Intuit Inc. All rights reserved. Intuit, the Intuit logo, QuickBooks, and the QB logo are registered trademarks of Intuit Inc.

Dispute Resolution

Not all disputes are resolved in the Card Member's favor.

Employee Card - Category Alerts

Merchants are categorized based on what they primarily sell. You will not receive an alert if an Employee makes a purchase at a merchant from an approved category, whether or not you consider that purchase to be a part of a particular category.

Employee Card Spending Limits

Employee Card Spending Limits may be set up online or by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Employee Card Member will be able to make purchases up to that limit. There are certain purchases where the limit does not apply, such as, for example, restaurant tips and hotel stays extended beyond their original reservation period, and the overall Account capacity is taken into consideration. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. For more information on the application of the limit, please refer to the Employee Card Spending Limits Terms and Conditions at www.americanexpress.com/spendlimits/terms, which will also be provided when you enroll Employee Card(s) in this feature.

Forfeiting Cash Back

You will not receive the cash back if your Card account is cancelled or in default at the time of fulfillment.

Global Assist^® Hotline

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

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

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.

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

Total Card Limit for Employee Cards

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

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.

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.