Important information regarding rates, fees, and other cost information

Earn 100,000 Marriott Bonvoy^® Bonus Points and a Free Night Award

You can earn 100,000 Marriott Bonvoy^® bonus points and a Free Night Award after you spend $8,000 or more (the “Threshold Amount”) in eligible purchases on your Marriott Bonvoy Business^® American Express^® Card within your first 6 months of Card Membership, starting from the date your account is opened.

Eligible purchases to meet the Threshold Amount can be made by the Basic Card Member and any Additional Card Members on a single Card account. 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, or purchases of any cash equivalents. Additional Card Members on your account are not eligible for this offer. To earn the 100,000 bonus points and Free Night Award, your Card account must not be cancelled or past due at the time of fulfillment. Bonus points and the Free Night Award will appear on your Marriott Bonvoy member account 8–12 weeks after you reach the Threshold Amount. Bonus points may appear on your account in more than one deposit.

The Free Night Award can be redeemed for a one-night stay inclusive of room rate and applicable taxes at participating Marriott Bonvoy hotels with a redemption level at or under 50,000 Marriott Bonvoy points. Please visit redeem.marriottbonvoy.com/hotels to find participating Marriott Bonvoy hotels. The Basic Card Member may be responsible for payment of additional mandatory resort fees at properties where resort fees are applicable and is responsible for all incidental charges. You will receive an email from Marriott Bonvoy to the email address listed on your Marriott Bonvoy member account confirming that the Free Night Award have been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your Free Night Award. The Free Night Award will expire (one) 1 year from issuance. Your Free Night Award may not be transferred, extended beyond the expiration date, be combined with cash when redeeming for your free night or re-credited for points. Free Night Award redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days. American Express is not responsible for fulfillment of Free Night Award redemptions. For complete limitations and exclusions, please visit www.marriott.com/loyalty/redeem.mi.

Your period to spend $8,000 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). In rare circumstances, you may need to pay down your balance during the billing cycle to help free up your available credit to make purchases to meet the Threshold Amount. It may take a few days after payment for your available credit 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 Marriott Bonvoy bonus points and Free Night Award 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. Offer ends 11/4/2026 at 11:59 PM MST. American Express reserves the right to modify or revoke this offer at any time.

15 Elite Night Credits

Fifteen Elite Night Credits ("ENC") will be deposited into your Marriott Bonvoy^® Member Account within 60 days upon opening your Marriott Bonvoy Business^® American Express^® Card Account. If you have already received the annual Elite Night Credits ("Annual ENC") benefit associated with another Marriott Bonvoy business card, regardless of bank issuer, you will only receive a deposit equal to the difference between the Annual ENC benefits to total the number of ENCs associated with the card that offers the highest number of ENCs, if applicable. On or before March 1 of each subsequent calendar year, the Annual ENC benefit will be deposited into your Marriott Bonvoy Member Account operated by Marriott International, Inc., in accordance with Marriott Bonvoy terms and conditions. To be eligible to receive the 15 ENCs associated with the Annual ENC benefit from your Marriott Bonvoy Business American Express Card, you must be the Basic Card Member, your Card Account must be open at the time of the deposit, and you must have an active Marriott Bonvoy Member Account linked to your Card account.

This benefit is not exclusive to Cards offered by American Express. You can only receive the Annual ENC benefit associated with one eligible Marriott Bonvoy business card per year, regardless of the number of Marriott Bonvoy cards linked with a Marriott Bonvoy Member Account and regardless of bank issuer. If your Marriott Bonvoy Member Account is linked to more than one open Marriott Bonvoy business card that offers the Annual ENC benefit, you will only receive the Annual ENC benefit associated with the card that offers the highest number of ENCs. If you have both an open Marriott Bonvoy business card account and an open Marriott Bonvoy consumer card account that each offer the Annual ENC benefit, then you will receive an Annual ENC benefit for each, for a total of two Annual ENC benefits per Marriott Bonvoy Member Account per year. If you have more than one Marriott Bonvoy Member Account that has received the Annual ENC benefit and you merge accounts, you will retain only the ENCs associated with one eligible Marriott Bonvoy consumer card that offers the highest number of ENCs as a benefit; and, if applicable, the ENCs from one eligible Marriott Bonvoy business card that offers the highest number of ENCs as a benefit.

6/4/2 Marriott Bonvoy® points

You will receive 2 Marriott Bonvoy® points for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Business® American Express® Card.

You will receive 2 additional points (for a total of 4 points) for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Business American Express Card when charged directly at restaurants worldwide, on gasoline at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers (excludes Google Fi) & on purchases made from merchants in the U.S. for shipping.

You will receive 4 additional points (for a total of 6 points) for each U.S. dollar of eligible purchases charged on your Marriott Bonvoy Business American Express Card when charged directly with properties participating in Marriott Bonvoy, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards) that, in each case, are owned or managed by Marriott International, Inc. and its affiliates.

Eligible purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, purchases of traveler's checks, person-to-person payments, the purchase or reloading of prepaid cards, and purchases of other cash equivalents. Additional terms and restrictions apply. Points received from your Card will be posted to your Marriott Bonvoy member account up to 12 weeks after the end of each month. To be eligible to receive points, Card Member's account must not be cancelled or in default at the time of bonus fulfillment.

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 receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward 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. For questions about additional Points on a purchase, call the number on the back of your Card. For more details on eligible purchases and exclusions, please visit americanexpress.com/rewards-info.

Account Manager

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

Air+Car Transfer Program

Participating airlines, car rental companies, and conversion rates are subject to change. See www.airandcar.marriott.com for full program details.

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 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.

Brand Trademarks

©2026 Marriott International, Inc. All Rights Reserved. All names, marks and logos are trademarks of Marriott International, Inc. or its affiliates, unless otherwise noted.

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.

Free Night Award (up to 35k Marriott Bonvoy® points)

Each year, after renewal of the Marriott Bonvoy Business® American Express® Card, Basic Card Members will receive one Free Night Award from Marriott Bonvoy®. The Free Night Award can be redeemed for a one-night stay inclusive of room rate and applicable taxes at participating Marriott Bonvoy hotels with a redemption level at or under 35,000 Marriott Bonvoy points. The Card Member may be responsible for payment of additional mandatory resort fees at properties where resort fees are applicable, and is responsible for all incidental charges. This benefit is only available to the Basic Card Member on the Card Account.

The Free Night Award will be automatically deposited into your Marriott Bonvoy member account within 8-12 weeks after your renewal month. If your account anniversary month changes (for example, due to a card replacement), your Free Night Award will be triggered within your new renewal month and available within 8-12 weeks. You will receive an email from Marriott Bonvoy to the email address listed on your Marriott Bonvoy member account confirming that the Free Night Award has been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your Free Night Award. To redeem the Free Night Award, you must log into your Marriott Bonvoy member account and apply the Free Night Award during booking. The Free Night Award will expire (one) 1 year from issuance. Your Free Night Award may not be combined with cash when redeeming for your free night but you are able to redeem or purchase up to 25,000 Marriott Bonvoy points to expand the value of your Free Night Award in accordance with the Marriott Bonvoy Terms and Conditions located at https://www.marriott.com/loyalty/terms/default.mi. Your Free Night Award may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Free Night Award, your account must be open and not in default at the time of the Free Night Award issuance. Free Night Award redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days. For complete limitations and exclusions, please visit www.marriott.com/loyalty/redeem.mi.

Please visit https://www.marriott.com/loyalty/terms/default.mi#participatingpropertiesandbrands for a list of participating properties. American Express is not responsible for fulfillment of Free Night Award redemptions.

Redemptions are subject to the terms and conditions of Marriott Bonvoy.

Free Night Award – 60K Spend

If, in any calendar year of Card Membership, total eligible purchases on the Marriott Bonvoy Business® American Express® Card reach $60,000, the Basic Card Member will receive one Free Night Award from Marriott Bonvoy®. 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 purchases of other cash equivalents. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on the Card Account.

The Free Night Award can be redeemed for a one-night stay inclusive of room rate and applicable taxes at hotels participating in Marriott Bonvoy with a redemption level at or under 35,000 Marriott Bonvoy® points. The Card Member may be responsible for payment of additional mandatory resort fees at properties where resort fees are applicable and is responsible for all incidental charges. This benefit is only available to the Basic Card Member on the Card Account.

The Free Night Award will be automatically deposited into your Marriott Bonvoy member account within 8-12 weeks after you meet the purchase requirement. You will receive an email from Marriott Bonvoy to the email address listed on your Marriott Bonvoy member account confirming that the Free Night Award has been deposited into your Marriott Bonvoy member account. The email will also provide instructions on how to redeem your Free Night Award. To redeem the Free Night Award, you must log into your Marriott Bonvoy member account and apply the Free Night Award during booking. The Free Night Award will expire (one) 1 year from issuance. Your Free Night Award may not be combined with cash when redeeming for your free night but you are able to redeem or purchase up to 25,000 Marriott Bonvoy points to expand the value of your Free Night Award in accordance with the Marriott Bonvoy Terms and Conditions located at https://www.marriott.com/loyalty/terms/default.mi. Your Free Night Award may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Free Night Award, your account must be open and not in default at the time of the Free Night Award issuance. Free Night Award redemption is subject to availability. Participating hotels may limit the number of standard rooms available for redemption on a limited number of days. For complete limitations and exclusions, please visit www.marriott.com/loyalty/redeem.mi.

Please visit https://www.marriott.com/loyalty/terms/default.mi#participatingpropertiesandbrands for a list of participating properties. American Express is not responsible for fulfillment of Free Night Award redemptions. Redemptions are subject to the terms and conditions of Marriott Bonvoy.

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

Marriott Bonvoy Moments™

Marriott Bonvoy Moments™ is an exclusive program for Marriott Bonvoy members where Marriott Bonvoy points can be transformed into once-in-a-lifetime experiences. Events have included coveted VIP tickets to the hottest concerts of the year, championship sporting events, and red carpet premieres. Marriott Bonvoy members may use points to bid on or redeem for experiences on marriottbonvoy.com/moments. Offer based on first-come, first-served with limited space available or while supplies last. Employees of Marriott International, Inc. are ineligible to use points for Marriott Bonvoy Moments™.

Marriott Bonvoy® Member Base Earn

Marriott Bonvoy® members earn up to ten (10) base Marriott Bonvoy points for each U.S. dollar, or the currency equivalent, that is incurred and paid for on Qualifying Charges at hotels which participate in Marriott Bonvoy. Certain exclusions and limitations apply. For more information and complete Marriott Bonvoy Loyalty Program Terms and Conditions, visit marriottbonvoy.com/terms.

Marriott Bonvoy® Room Rate Discount – Small Business Card Member Rates

Marriott Bonvoy Business® American Express® Card Members can receive a total discount of 7% off the Standard Flexible Room Rate (the "Amex Business Card Rate") when they book an Eligible Room directly through an Eligible Channel at a Participating Property and select the Amex Business Card Rate at booking. Here's how:

● As a Marriott Bonvoy member (even without the Card), you have access to Member Rates, which offers a discount of 2%-5% off the Standard Flexible Room Rate.
● In addition, as a Card Member, you can select the Amex Business Card Rate to get an additional discount which will add up to a total of 7% off the Standard Flexible Room Rate.

See Marriott Bonvoy Loyalty Program Terms and Conditions for more information about Member Rates.

"Standard Flexible Room Rate" means the publicly available retail rate offered by Participating Properties at the time of booking to individual guests who are not Marriott Bonvoy members. "Eligible Rooms" include standard guest rooms and not Premium Rooms (Premium Rooms are upgraded rooms based on size, view, services, and/or other attributes, and include suites). "Participating Properties" includes hotels which participate in the Marriott Bonvoy program, excluding stays at Design Hotels™, Marriott Executive Apartments®, Marriott Vacation Club®, Marriott Grand Residence Club®, Vistana Signature Network™, Vistana Residence Network, The Ritz-Carlton Destination Club®, All-Inclusive by Marriott Bonvoy®, and Homes & Villas by Marriott Bonvoy®.

To be eligible for the Amex Business Card Rate, the Card Member must be the Basic Card Member, have an active Marriott Bonvoy Member Account in good standing at the time of the stay, and make an advance reservation. Card Members can use their Marriott Bonvoy Business® American Express® Card to pay their bill upon checkout. Amex Business Card Rate reservations must be made via Marriott.com, the Marriott mobile app, or by contacting a Marriott worldwide telephone reservation center ("Eligible Channels"). When a Card Member books a reservation on Eligible Channels for the Amex Business Card Rate, they are still eligible to earn Marriott Bonvoy points as they usually do on their stay at Participating Properties. If a Card Member books their reservation online, they must be logged into their Marriott Bonvoy account linked to their Card account in order to be eligible for the Amex Business Card Rate. If a Card Member books their reservation by phone, they must reference the Amex Business Card Rate.

The Amex Business Card Rate may not be combined with other promotions, offers, or discounts, and is not valid for existing reservations or reservations for ten (10) or more guest rooms. The Amex Business Card Rate may not be applied to stays booked using Marriott Bonvoy points or with qualified transient rates including government rates, negotiated rates, AAA rates, and the Senior Discount rate. Rooms booked through third-party online retailers and travel agency bookings are not eligible for the Amex Business Card Rate. All Marriott Bonvoy terms and conditions apply.

See www.marriott.com/loyalty/terms/default.mi for more information.

Marriott Bonvoy^® Gold Elite Status

Basic Card Members will receive complimentary Marriott Bonvoy^® Gold Elite status with their Marriott Bonvoy Business^® American Express^® Card. This complimentary Gold Elite status benefit is only available to the Basic Card Member. Please allow up to 12 weeks from account open date for your initial Gold Elite status to be applied to your Marriott Bonvoy^® account. If your Card is cancelled for any reason, the complimentary Gold Elite status provided with the Card will be cancelled. For more information about Gold Elite status and complete Terms and Conditions, visit marriottbonvoy.com/terms.

Marriott Bonvoy^® Gold Elite Status / Marriott Bonvoy^® Points Earned

A Marriott Bonvoy^® Gold Elite member will earn 25% more points on eligible purchases at hotels participating in Marriott Bonvoy for each U.S. dollar or the currency equivalent that is incurred and paid for by the member.

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.

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.

Premium on-property Internet Access

For primary Card Members only, available at participating Marriott Bonvoy hotels. Marriott Bonvoy member account number must be provided at the time of reservation. Premium Internet access is limited to one room per eligible Card Member per stay regardless of how many rooms have been reserved. Some exclusions apply (www.marriottbonvoy.com/terms).

Redeem Marriott Bonvoy® points for free nights

Marriott Bonvoy® points redeemed for a free night include the cost of a standard room and applicable taxes only. Some hotels may have resort fees and other mandatory fees. Please contact hotel or resort for complete details. Points required per night are updated continuously and may change at any time. If the Card Member makes a modification to the Award Redemption Stay, the Card Member is responsible for the changes to the points required. For complete information on reward stays, visit www.marriott.com/loyalty/redeem.mi.

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.

Transfer Marriott Bonvoy® points to Airline Program

Marriott International, Inc. will add 5,000 bonus miles for every 60,000 points you transfer to airlines miles. For a list of participating airlines, transfer ratios, and full program details, go to marriottbonvoy.com. Participating airlines and transfer ratios are subject to change. Check with your frequent flyer program for details on redemption of airline miles.

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.