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| Annual Fee |
Late Payment Fee |
Basic card has no annual fee for the first year and is $75 per year after that.
The annual fee of $35 per Additional Card is waived for up to nine (9) Additional Cards added during the first year of your Card membership.
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Varies from state to state, from zero to zero to the greater of $35 or 2.99% of delinquent balance. |
| All charges made on this Charge Card are due and payable when you receive your billing statement. |
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1.No pre-set spending limit: Purchases are based on a variety of factors including account history, credit record, and personal resources.
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2. Flexible payment options: Not all Card members are eligible to extend payment.
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3. Additional Business Gold Cards: Terms, Conditions, and Restrictions apply. The Additional Business Gold Card member must be 18 years or older and must have never had a defaulted account with American Express. Any account you have with American Express must not be in default.
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4. Membership Rewards program: The Membership Rewards program (“Program”) annual fee is $40, except as otherwise provided below. There is no annual Program fee for the Preferred Rewards Green Card, Preferred Rewards Gold Card, Rewards Plus Gold Card, Centurion® Card, Platinum Card®, Corporate Platinum Card, Business Membership Rewards Card, Business Green Rewards Card, Business Green Rewards Card, Business Platinum Card, Business Centurion Card, and Fidelity American Express® Platinum Card® members. The annual Program fee is $75 for Corporate Cardmembers who enroll only their Corporate Card in the Program or for Corporate Cards with a Lending Card linked to the Program account. Linkage fees may apply if you have a Corporate Card or Business Card from OPENSM linked to your Program account. Some American Express Cards are not eligible for enrollment in the Program. For more information or to enroll in the Program, visit our website at open.americanexpress.com/rewards or call 1-800-AXP-EARN (297-3276). Participating partners and available rewards are subject to change.
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5. OPEN Savings®: Payment must be made with an American Express® Business Card at the time of purchase. Savings will be credited to your American Express Business Card billing statement. All savings referenced are in addition to any offers made by participating companies. Participation and offers are subject to change without notice. Terms and conditions apply. For more information, please visit opensavings.com.
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6. Car Rental Loss and Damage Insurance: Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy.
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7. American Express Card Baggage Insurance Plan: Underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 and is subject to change with notice. This document does not supplement or replace the Policy.
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8. Travel Accident Insurance: Underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
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9. Purchase Protection Plan: Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.
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10. Buyer's Assurance Plan: Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.
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11. Gold Card Events: Only the following American Express Cards are eligible for Gold Card Events: Gold Card, Platinum Card, Centurion Card, Corporate Platinum Card, and the Executive Business Card, Business Gold Card, Business Platinum Card, and Business Centurion Card from OPEN. Gold Card Events is not offered to the following Cards that include, but are not limited to, select American Express Corporate Cards, Optima® Cards, Delta SkyMiles® Credit Cards, American Express Costco Credit Cards, American Express Cash Rebate Cards, Hilton HHonors® Credit Cards, and Starwood Preferred Guest® Credit Cards.
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12. Automatic Bill Payment: Check with your service provider regarding specific policies on using your Card for automatic payment. Card payment may not be available for all service providers in all markets. Participating partners subject to change. In some instances, it may take more than one billing cycle before initial paid amounts are posted to your Card account. Please remember to cancel those payments with your service provider if you close your Card account, and advise your service provider if your Card account changes.
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13. Express Cash: For U.S. Card members, the fee for each cash transaction shall be the greater of $5.00 or 3% of the cash transaction, with no maximum. The 1% fee on Express Cash and Emergency Check Cashing withdrawals must not exceed the monthly $10,000 limit. Express Cash transactions and fees will not be billed to your Card statement. Withdrawal amounts may vary depending on the ATM network and Card member credit and repayment history. If multiple withdrawals are required, a separate transaction fee will be charged. By using the service you are indicating your acceptance of the terms of the Electronic Fund Transfer agreement, which you will receive upon acknowledgement of your enrollment.
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14. Emergency Check Cashing: Not all services available at all locations and are subject to local laws and cash availability.
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15. Emergency Card Replacement: Not all services available at all locations and are subject to local laws and cash availability.
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16. American Express Roadside Assistance Services are provided as an emergency service and not a general maintenance
type service. Only one disablement for the same cause during any consecutive seven-day period will be allowed.
Coverage provided for self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation,
and trucks with a carrying capacity of up to 2 tons. Towing to the nearest authorized facility, or, upon the Cardmember’s
request, to another location at a maximum towing distance of 10 miles. Fuel provided in emergency situations will be
charged to the Cardmember’s Card Account. Emergency situations do not include: all parts, labor and supplies provided
while at an auto repair shop or service station, towing to another location unless the initial service location is closed,
service for taxicabs, tractors, boats, rental vehicles, ambulances, trucks, vehicles used for competition, unlicensed vehicles,
illegally parked or impounded vehicles, or any vehicles in tow, rental and towing equipment, towing at the direction
of law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations
of law or towing by other than a licensed service station or garage, installation or removal of snow tires, repairs to studs,
mounting and dismounting snow chains, repeated service calls for a vehicle in need of routine maintenance or repair,
shoveling snow from around a vehicle, vehicle storage, or impoundment charges. Service is provided in the 48 contiguous
United States and Canada. Limit of 4 services per calendar year.
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17. The Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI.
Coverage is determined by the terms, conditions and exclusions of Policy AX0974 and is subject to change with notice.
This document does not supplement or replace the Policy.
The Event Ticket Protection Plan benefit is not available to residents of New York state.
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