Popular Cards | Business Charge and Credit Card Comparison

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PREMIUM CARDS

Business Platinum Card®

Business Platinum Card®

The Business Charge Card with more than 30 premium benefits designed for better business
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Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card

The airline Credit Card that earns you Medallion® Qualification Miles, with Delta Sky Club™ access and 24/7 Concierge service
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Platinum Delta SkyMiles® Business Credit Card

Platinum Delta SkyMiles® Business Credit Card

The airline Credit Card that earns both Medallion® Qualification Miles (MQMs) and bonus miles
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CLASSIC REWARDS CARDS

The Gold Card from OPEN

The Gold Card from OPEN

The Card that lets you earn even more Membership Rewards® points with an annual spend bonus
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Business Green Rewards Card

Business Green Rewards Card

The basic Charge Card that can earn you Membership Rewards® points and help manage cash flow
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TRADE TERMS

The Plum Card®

The Plum Card®

The Charge Card that gives your business payment flexibility each month
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PARTNER CARDS

Gold Delta SkyMiles® Business Credit Card

Gold Delta SkyMiles® Business Credit Card

The airline Credit Card that earns you free Delta flights without blackout dates
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Starwood Preferred Guest® Business Credit Card

Starwood Preferred Guest® Business Credit Card

The travel rewards Credit Card that earns you Starpoints®
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TrueEarnings® Business Card from Costco and American Express

TrueEarnings® Business Card from Costco and American Express

The Credit Card that works with your Costco membership to earn you cash back on eligible purchases
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JetBlue Business Card

JetBlue Business Card

The airline Credit Card that can earn you Award Flights on JetBlue
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Lowe's Business Rewards Card from American Express

Lowe's Business Rewards Card from American Express

The Credit Card that earns you Lowe's Business Rewards points
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BASIC CREDIT CARDS

SimplyCash® Business Card

SimplyCash® Business Card

The cash back Credit Card with no annual fee
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Blue for Business® Credit Card

Blue for Business® Credit Card

The no-annual-fee Business Credit Card that can earn you Membership Rewards® points
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Chosen most by American Express OPEN® Cardmembers

Suggested for You

The Gold Card from OPEN

Get the purchasing power to cover your expenses without interest. Use the Membership Rewards® points you earn to travel, buy supplies, entertain clients,
and more.

Built-in Benefits
	The Gold Card from OPEN	Business Platinum Card®	Gold Delta SkyMiles® Business Credit Card
THE CARD	The Card that lets you earn even more Membership Rewards® points with an annual spend bonus	The Business Charge Card with more than 30 premium benefits designed for better business	The airline Credit Card that earns you free Delta flights without blackout dates
	Earn 25,000 bonus points when you spend $50,0001	Earn 5,000 extra points every month you spend $10,000, now through February 2011. 2	Earn up to 25,000 bonus miles your first year3
	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards
REWARDS PROGRAM	Membership Rewards program	Membership Rewards First® program	Delta SkyMiles® program
FEATURED BENEFIT(S)	Gold Card Events	Airport Club Access Premium Car Rental Purchase Protection Business Platinum Concierge FINE HOTELS & RESORTS Platinum Office Program	$99 Companion Certificate
OPEN SAVINGS®	Save 3% to 25% at merchant partners†	Save 3% to 25% at merchant partners†	Save 3% to 20% at merchant partners†
PAYMENT TERMS	Pay in full with no interest and purchasing power that can evolve with your business	Pay in full with no interest and purchasing power that can evolve with your business	The option to carry a balance with interest and a spending limit
ANNUAL FEE	No annual fee your first year, then $125	$450	No annual fee your first year, then $95

TRAVEL BENEFITS	The Gold Card from OPEN	Business Platinum Card®	Gold Delta SkyMiles® Business Credit Card
Coverage against loss or damage of your baggage4
24/7 medical, legal, financial, and emergency assistance when you travel5
Guaranteed room reservations6
24/7 help when you're on the road7
Complimentary companion airline tickets		International Airline Program	$99 Companion Certificate
Premium benefits		Airport Club Access FINE HOTELS & RESORTS Premium Car Rental
SPECIAL ACCESS	The Gold Card from OPEN	Business Platinum Card®	Gold Delta SkyMiles® Business Credit Card
Event ticket reimbursement if you can't attend8
Special seating at venues worldwide9
Premium benefits		Business Platinum Concierge Platinum Office Program
Account Alerts	Avoid late payments, be notified of irregular activity, monitor Employee Card spending, and more. Have them sent to your e-mail or mobile device.10
Authorize Someone to Manage Your Account	Choose from two levels of access when giving someone the authority to help you manage your account(s) online.11
Car Rental Loss and Damage Insurance12	Get coverage for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for an auto rental.
Dispute Resolution	If you do not recognize a charge on your statement, we'll investigate it, and you will not be responsible for paying the charge while we do.13
Emergency Card Replacement	Get a replacement in as little as 24 hours. Just call or visit one of more than 2,200 American Express Travel Services locations worldwide. Not all services available at all locations.
Extended Warranty14	Extends the term of the original manufacturer's warranty up to one additional year on eligible purchases with warranties of five years or less that are eligible in the U.S.
Fraud Protection Guarantee	Protects you against unauthorized charges that appear on your statement. In most cases, a temporary credit will be issued immediately.
Identity Theft Assistance	Call 24/7 for help determining if you are the victim of identity theft. We can also recommend steps for recovery and ways to protect yourself going forward.
Online Statement	Easily find receipts, prepare reports to invoice customers, organize for tax season, and budget for the future — all in one place.
Purchase Protection15	Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
Travel Accident Insurance16	Covers you and your dependents against accidental death and dismemberment when traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.
Year-End Summary	Organizes your charges by month and spend category.

THE CARD	The Gold Card from OPEN	Business Platinum Card®	Gold Delta SkyMiles® Business Credit Card
	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards	Learn More Apply Now Add to Saved Cards

4Baggage Insurance Plan: American Express® Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
5Global Assist® Hotline: While the many Global Assist® Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
6Guaranteed Room Reservations: Just request an American Express Guaranteed Room Reservation when you make a reservation at a participating hotel or motel — don't forget to ask for a confirmation number. Your room will be held until check-out time the day following your scheduled arrival, or you will be provided with comparable accommodations at no charge.
7Roadside Assistance: The American Express Roadside Assistance Anywhere 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 with a maximum of $50 coverage. 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.
8Event Ticket Protection Plan: Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0974 or Policy ETP-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is not available to residents of New York State.
9Gold Card Events: The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, Business Gold Card, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB. Gold Card Events is not offered to the following (domestic and/or international) 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 or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, Tiger Woods® Credit Cards.
1Earn Up to 25,000 Bonus Points: To be eligible to earn bonus points you must be enrolled in the Membership Rewards® program at the time of purchase and charge your purchases to an eligible, enrolled American Express® Card. You can earn bonus points for your Eligible Spending* in each membership year, as follows: If your Eligible Spending in a membership year is equal to or greater than $50,000, you can earn 25,000 bonus points. Bonus points will be credited to your Membership Rewards account 6 to 8 weeks after your Eligible Spending reaches the $50,000 threshold amount. Bonus ID 2751. Terms and conditions for the Membership Rewards program apply. For more information or to enroll in the program, visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276). Some American Express Cards are not eligible for enrollment in the program. Participating partners and available rewards are subject to change without notice.

* Eligible Spending includes purchases of goods or services, which purchases have not been returned or otherwise credited to your Card account: it does NOT include fees, Finance Charges, Balance Transfers, Cash Advances or similar means of accessing your Card account, or the purchase of American Express Travelers Cheques, American Express Gift Cheques, or other cash equivalents.
2To be eligible to earn bonus points you must be enrolled in the Membership Rewards® program at the time of purchase and charge your purchases to an eligible Business Platinum® Card that is in good standing and has an annual Card membership fee of $450.

You can earn bonus points for your Eligible Spending** in each membership billing cycle, starting with your first billing cycle that begins after March 1st, 2010, through the billing cycle that begins in February 2011 (for a total of up to 12 billing cycles), as follows: If your Eligible Spending on an eligible Business Platinum Card is equal to or greater than $10,000 within a billing cycle, you can earn 5,000 bonus points. Bonus points will be credited to your Membership Rewards account 6 to 8 weeks after the close of each billing cycle. Bonus ID: 3769. Terms and conditions for the Membership Rewards program apply. For more information, visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276). Participating partners and available rewards are subject to change without notice.

**"Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise credited to your Card account: it does NOT include fees, Finance Charges, Balance Transfers, Cash Advances or similar means of accessing your Card account, or the purchase of American Express Travelers Cheques, American Express Gift Cheques or other cash equivalents.
3Up to 25,000 Bonus Miles: 20,000 bonus miles will be awarded after your first purchase on the Gold Delta SkyMiles Business Credit. Please allow 8 to 12 weeks after your first purchase for the bonus miles to appear in your Delta SkyMiles account. First purchase offer expires one year from time of Card account opening. You may be permitted to have more than one Delta SkyMiles Credit Card account; however, you are eligible to receive welcome bonus miles for only one Card account. Additional Cardmembers are not eligible.

2,500 bonus miles will be awarded to your Delta SkyMiles account for each approved Additional Card submitted with this application, up to a maximum of 5,000 bonus miles. Bonus miles will be posted to your account 8 to 12 weeks after each Card application is approved.
10 Account Alerts: Refer to your wireless provider for details on messaging rates.
11 Authorize Someone to Manage Your Account: Authorized Account Managers and Agents must be at least 18 years old. Ameriprise financial advisors cannot be designated as Authorized Account Managers.
12 Car Rental Loss and Damage Insurance: Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.
13 Dispute Resolution: Disputes are not always resolved in the Cardmember's favor.
14 Extended Warranty: Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.
15Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.
16 Travel Accident Insurance: Underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. 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.

Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at open.com/opensavings. Merchant participation and offers are subject to change without notice.

Membership Rewards® program: Terms and Conditions for the Membership Rewards program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

Bonus Points Mall®: To be eligible to earn bonus points in the Bonus Points Mall website, you must be a U.S. Cardmember and enrolled in the Membership Rewards® program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditions apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your program account within 6–8 weeks after charges appear on your billing statement. Bonus ID 1935.

Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards® program–enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/terms.

Gold Card Events: The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, The Gold Card from American Express OPEN, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB. Gold Card Events is not offered to the following (domestic and/or international) 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 or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, or Tiger Woods® Credit Cards.

OPEN Savings®: Savings range from 3% to 25%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

How do you earn points?
• Earn 1 point for every eligible dollar you spend — there is no limit to the number of points you can earn and no expiration date*
• Earn double points when you book with American Express Travel
• Earn 3X points when you shop select retailers at the Bonus Points Mall®**

What can you do with points?
• Fly without blackout dates†
• Buy merchandise and gift cards from more than 500 partners
• Transfer points to frequent flyer and hotel guest programs
• Get Ticketmaster tickets

* Membership Rewards® program: Terms and Conditions for the Membership Rewards program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

** Bonus Points Mall®: To be eligible to earn bonus points in the Bonus Points Mall website, you must be a U.S. Cardmember and enrolled in the Membership Rewards® program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditions apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your program account within 6–8 weeks after charges appear on your billing statement. Bonus ID 1935.

† Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards® program-enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/terms.

Get special access to some of the best seats at worldwide venues.*

* Gold Card Events: The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, The Gold Card from American Express OPEN, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company, Inc., American Express Centurion Bank, American Express Bank, FSB. Gold Card Events is not offered to the following (domestic and/or international) 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 or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, or Tiger Woods® Credit Cards.

Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

Membership Rewards First® program: Terms and Conditions for the Membership Rewards First program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

Bonus Points Mall®: To be eligible to earn bonus points in the Bonus Points Mall website, you must be a U.S. Card member and enrolled in the Membership Rewards First program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditions apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your Program account within 6–8 weeks after charges appear on your billing statement. Bonus ID 8445.

Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards First® program-enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards First program apply and are available at membershiprewards.com/terms.

How do you earn points?
• Earn 1 point for every eligible dollar you spend — there is no limit to the number of points you can earn and no expiration date*
• Earn double points when you book with American Express Travel
• Earn 4X points when you shop select retailers at the Bonus Points Mall®** — an exclusive earnings rate for Business Platinum Card members

What can you do with points?
• Access the First Collection® for top-tier rewards from premium partners — an exclusive for Business Platinum Card members
• Fly without blackout dates†
• Buy merchandise and gift cards from more than 500 partners
• Transfer points to frequent flyer and hotel guest programs
• Get Ticketmaster tickets

* Membership Rewards First® program: Terms and Conditions for the Membership Rewards First program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

** Bonus Points Mall®: To be eligible to earn bonus points in the Bonus Points Mall website, you must be a U.S. Card member and enrolled in the Membership Rewards First program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditions apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your Program account within 6–8 weeks after charges appear on your billing statement. Bonus ID 8445.

† Pay with Points: To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards First® program-enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Terms and Conditions of the Membership Rewards First program apply and are available at membershiprewards.com/terms.

Airport Club Access: The Business Platinum Card® member must be traveling. Name on ticket must match name on Platinum Card. The Business Platinum Card member must be 18 years of age for American Airlines Admirals Club® Lounges and 21 years of age to enter into all other Airport Club Lounges without a parent or guardian. The Business Platinum Card member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements do not apply. Special industry reduced revenue tickets are not eligible with Delta and American Airlines. The Business Platinum Card member must present his or her valid Card, government-issued I.D., and airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Note that amenities may vary among airport club locations. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call 1-800-553-9497. Partners and locations subject to change.

Premium Car Rental: Benefits given to Business Platinum Card members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment to receive benefits. Card members must be affiliated with the Platinum Card Program codes. Hertz #1 Club Gold® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Business Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement on file.

Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Business Platinum Concierge: There is typically no cost for the effort Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

FINE HOTELS & RESORTS: In order to receive the FINE HOTELS & RESORTS Program amenities and rates, reservations must be made through Business Platinum Travel Service. Payment must be made with an American Express® Card in the Business Platinum Card® member's name. Offer is valid for new bookings only. Offer is restricted to one per booking. Offer may be repeated during promotion period but may not be repeated during stay. Advance reservations must be made through Business Platinum Travel (BPT) or Centurion Travel Service (CTS) prior to arrival. Combinable with FINE HOTELS & RESORTS program amenities or Centurion Hotel Program amenities, rates, and room categories only. Must reserve FINE HOTELS & RESORTS rates and room categories in order to receive promotion benefits. Back-to-back stays within a 24-hour period at a single FH&R Hotel are considered one stay. American Express acts solely as sales agent for travel suppliers and is not liable for the acts or inactions of such suppliers. Additional hotel terms & conditions may apply, see open.com/finehotels for details. CST# 1022318-10; ML# 1192; Washington UBI # 600-469-694; TA# 002-Registered Iowa Travel Agency; NV#2001-0126.

Platinum Office Program: Activation with Regus required. This benefit is subject to Regus' and each service provider's terms and conditions. Business Platinum Card® membership required; Card must be presented for certain benefits. Information provided by American Express about you enables Regus, our trusted partner, to recognize you as an active Card member. May not be combined with other offers or discounts.

Gain complimentary access for you and your family — or 2 guests — at partner airport clubs worldwide.*

* Airport Club Access: The Business Platinum Card® member must be traveling. Name on ticket must match name on Platinum Card. The Business Platinum Card member must be 18 years of age for American Airlines Admirals Club® Lounges and 21 years of age to enter into all other Airport Club Lounges without a parent or guardian. The Business Platinum Card member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements do not apply. Special industry reduced revenue tickets are not eligible with Delta and American Airlines. The Business Platinum Card member must present his or her valid Card, government-issued I.D., and airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Note that amenities may vary among airport club locations. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call 1-800-553-9497. Partners and locations subject to change.

Get complimentary memberships — along with special upgrades, savings, and priority treatment — at Avis®, Hertz®, and National Car Rental®.*

* Premium Car Rental: Benefits given to Business Platinum Card members are subject to each car rental company's terms and conditions, including age restrictions, and require enrollment to receive benefits. Card members must be affiliated with the Platinum Card Program codes. Hertz #1 Club Gold® is a registered trademark of Hertz System, Inc. Minimum rental age is 25 (exceptions apply). For Hertz #1 Club Gold, upgrades are subject to fleet availability at time of rental. Standard rental terms and conditions apply. Payment must be made using the Business Platinum Card from American Express. Card members are required to enroll in Hertz #1 Club Gold to become a member. National collects Frequent Flyer Tax Recoupment Surcharge to cover the federal tax on the cost of the miles awarded at the time of rental. Discount applies to base rate only. Taxes (including GST), other governmentally authorized or imposed surcharges, license recoupment/air tax recovery and concession recoupment fees, airport and airport facility fees, fuel, additional driver fee, one-way rental charge, and optional items are extra. Renter must meet standard age, driver, and credit requirements. Advance reservation required. May not be combined with other discounts. Availability is limited. Subject to change without notice. Blackout dates may apply. National's Emerald Club and its services require a signed Master Rental Agreement on file.

Use your Card and protect eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. As a Business Platinum Card member, you will get 10X the coverage with up to $10,000 per occurrence and up to $50,000 per Card member, per year.*

* Purchase Protection: Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 or Policy PP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Get 24/7 on-call personal assistance for your unique business needs — whether you need help planning an event or choosing the perfect thank-you gift for your best client.*

* Business Platinum Concierge: There is typically no cost for the effort Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning.

Get special amenities — like guaranteed 4pm late checkout, daily continental breakfast for 2, and a room upgrade upon arrival — at more than 600 of the world's most luxurious hotels and resorts.*

* FINE HOTELS & RESORTS: In order to receive the FINE HOTELS & RESORTS Program amenities and rates, reservations must be made through Business Platinum Travel Service. Payment must be made with an American Express® Card in the Business Platinum Card® member's name. Offer is valid for new bookings only. Offer is restricted to one per booking. Offer may be repeated during promotion period but may not be repeated during stay. Advance reservations must be made through Business Platinum Travel (BPT) or Centurion Travel Service (CTS) prior to arrival. Combinable with FINE HOTELS & RESORTS Program amenities or Centurion Hotel Program amenities, rates, and room categories only. Must reserve FINE HOTELS & RESORTS rates and room categories in order to receive promotion benefits. Back-to-back stays within a 24-hour period at a single FH&R Hotel are considered one stay. American Express acts solely as sales agent for travel suppliers and is not liable for the acts or inactions of such suppliers. Additional hotel terms & conditions may apply, see open.com/finehotels for details. CST# 1022318-10; ML# 1192; Washington UBI # 600-469-694; TA# 002-Registered Iowa Travel Agency; NV#2001-0126.

Get walk-in access to more than 1,000 internet-equipped business lounges in 450 cities worldwide. You can also get on-demand administrative services and special pricing on full-service office rentals by the day, month, or year.*

* Platinum Office Program: Activation with Regus required. This benefit is subject to Regus' and each service provider's terms and conditions. Business Platinum Card® membership required; Card must be presented for certain benefits. Information provided by American Express about you enables Regus, our trusted partner, to recognize you as an active Card member. May not be combined with other offers or discounts.

Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 25%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

Get a complimentary First- or Business-Class companion ticket with every full-fare, overseas flight you purchase through Business Platinum Travel.*

* International Airline Program: Companion ticket requires purchase of qualifying, non-restricted First- or Business-Class ticket through American Express Travel Services with an American Express® Card issued in the U.S. Platinum Card® or Centurion® member's name on a participating airline. [Participating airlines include: Aer Lingus, AeroMexico, Air France, Air New Zealand, Alitalia, Asiana Airlines, Austrian, Cathay Pacific, China Airlines, Delta Air Lines, Emirates, Etihad Airways, Japan Airlines, Jet Airways, LAN, Lufthansa, Mexicana, Scandinavian Airlines, South African Airways, Swiss International Air Lines, Virgin Atlantic.] Travel must originate in and return to a U.S. gateway (excluding Puerto Rico and overseas territories) or Canadian gateway. One-way travel permitted on some participating airlines where routing originates in U.S. Travel must be purchased by 12/31/09 and completed by 12/31/10. Available service class (First or Business) determined by participating airline. Seats are limited and may not be available on all flights. Card member and companion must travel on the same itinerary. Non-refundable $78 American Express service fee applies to purchase and all ticket changes/refunds with Platinum Card (fees are waived for Centurion members). Companion ticket subject to government taxes/fees from $50 to $400 round-trip, including a September 11th Security fee of up to $10. Total charge for the companion ticket may also reflect airline imposed fuel surcharges of up to $400 round-trip. Companion ticket must be returned/cancelled before full-fare ticket is refunded. Not combinable with any other promotion, discount, negotiated group, or corporate-contracted rate, and may not be available on participating airline's code-share partners, i.e., flights marketed by the ticketing airline but operated by its partner airline. Participating airlines reserve right to modify fare rules/program participation prior to booking. Limit one companion ticket per Card member traveling. Tickets are not transferable or endorsable.

International Airline Program: Companion ticket requires purchase of qualifying, non-restricted First- or Business-Class ticket through American Express Travel Services with an American Express® Card issued in the U.S. Business Platinum Card® or Centurion® member's name on a participating airline. [Participating airlines include: Aer Lingus, AeroMexico, Air France, Air New Zealand, Alitalia, Asiana Airlines, Austrian, Cathay Pacific, China Airlines, Delta Air Lines, Emirates, Etihad Airways, Japan Airlines, Jet Airways, LAN, Lufthansa, Mexicana, Scandinavian Airlines, South African Airways, Swiss International Air Lines, Virgin Atlantic.] Travel must originate in and return to a U.S. gateway (excluding Puerto Rico and overseas territories) or Canadian gateway. One-way travel permitted on some participating airlines where routing originates in U.S. Travel must be purchased by 12/31/09 and completed by 12/31/10. Available service class (First or Business) determined by participating airline. Seats are limited and may not be available on all flights. Card member and companion must travel on the same itinerary. Non-refundable $78 American Express service fee applies to purchase and all ticket changes/refunds with Business Platinum Card (fees are waived for Centurion members). Companion ticket subject to government taxes/fees from $50 to $400 round-trip, including a September 11th Security fee of up to $10. Total charge for the companion ticket may also reflect airline imposed fuel surcharges of up to $400 round-trip. Companion ticket must be returned/cancelled before full-fare ticket is refunded. Not combinable with any other promotion, discount, negotiated group, or corporate-contracted rate, and may not be available on participating airline's code-share partners, i.e., flights marketed by the ticketing airline but operated by its partner airline. Participating airlines reserve right to modify fare rules/program participation prior to booking. Limit one companion ticket per Card member traveling. Tickets are not transferable or endorsable.

$99 Companion Certificate: Taxes/fees/restrictions. Companion certificate valid for one $99 round-trip Coach-Class Companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii and Alaska must originate from there to the 48 contiguous United States. Companion tickets do not include a $3.60 Federal Excise Tax, Passenger Facility Charge(s) of up to $4.50, or the September 11th Security Fee of up to $2.50, for each flight segment. For residents of Alaska/Hawaii, for travel to/from Alaska/Hawaii, U.S. International Air Transportation tax of up to $16.00 round-trip applies. Reservations are available only from a travel agent, Delta Reservations, or a Delta City ticket office or airport ticketing location. Companion tickets cost $35 more if issued at Delta Reservations, or a Delta City ticket office or airport ticketing location. $15 fee for 1 checked bag and $25 fee for second checked bag. Allowances subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger, and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats available at most fares are limited and may not be available on all flights. Companion tickets are not transferable once issued. Primary ticket and Companion ticket must be purchased with your Gold Delta SkyMiles® Business Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Companion certificate valid for 1 year from certificate issue date; and validity is not based on the calendar year. All travel must be completed one year from certificate issue date. Certificate terms and conditions may vary each year of Cardmembership. Additional restrictions apply. See Companion certificate for details.

Taxes/fees/restrictions: Companion certificate is valid for one $99 round-trip Coach-Class Companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii and Alaska must originate from there to the 48 contiguous United States. Companion tickets do not include Federal Excise Tax of $3.70, Passenger Facility Charge(s) of up to $4.50, or the September 11th Security Fee of up to $2.50 for each flight segment. For residents of Alaska/Hawaii, for travel to/from Alaska/Hawaii, U.S. International Air Transportation tax of up to $16.20 round-trip applies. $23 fee for 1 checked bag and $32 fee for second checked bag when bags are prepaid during online check-in. $2 surcharge for first bag and $3 surcharge for second bag when checking in via ticket counter, kiosk, or curbside. Allowances subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats available at most fares are limited and may not be available on all flights. Companion tickets are not transferable once issued. Primary ticket and Companion ticket must be purchased with your Gold Delta SkyMiles Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Companion certificate valid for 1 year from certificate issue date; and validity is not based on the calendar year. Redemption is available only on delta.com. All travel must be completed one year from certificate issue date. Certificate terms and conditions may vary each year of Cardmembership. Additional restrictions apply. See Companion Certificate for details.

OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

Delta SkyMiles® program: In each year of Cardmembership, your mileage earnings are limited to $100,000 of eligible spending, not including bonuses. However, one mile for every two U.S. dollars of eligible spending on Delta charges will be awarded above this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive bonus miles, Cardmember's account must be active and not in default at time of bonus fulfillment. Balance transfers, Express Cash, Cash Advances, U.S. Savings Bonds transactions, and American Express® Travelers Cheques and Gift Cheques do not earn miles.

Double Miles on Delta Purchases: This offer applies to qualifying Delta, Northwest, Delta Connection® carrier, and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages. In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Credit Cardmembers, unlimited for Platinum Delta SkyMiles Credit Cardmembers) not including bonuses. Bonus miles will be posted to your Delta SkyMiles® account 8 to 12 weeks after the end of each month. All Delta SkyMiles program rules apply. To review the rules, please visit delta.com/skymiles.

Pay with Miles: Program is limited to Gold and Platinum Delta SkyMiles and Delta Reserve Credit Cardmembers, as well as to Gold and Platinum Delta SkyMiles Business Credit Cardmembers and Delta Reserve for Business Credit Cardmembers. New Cardmembers and Cardmembers upgrading from another Delta SkyMiles Credit Card product with a U.S. point of sale address in their SkyMiles account are eligible to use Pay with Miles upon receipt of their new Card. Eligible only on Delta, Northwest, and Delta Connection® carrier flights booked at delta.com under the DL or NW code. Flight will be marked as Pay with Miles eligible. Minimum 10,000 miles for redemption. Pay with Miles tickets are not eligible for mileage accrual, Medallion Complimentary Upgrades, Medallion Segment Qualification, Medallion Qualification Miles, or Best Fare Guarantee. Refundable fares paid for fully or partially with SkyMiles will be refunded in accordance with the Pay with Miles terms and conditions. Redemption requirements may differ based on fare. For terms, conditions, and restrictions, visit delta.com/paywithmiles. All SkyMiles program rules apply. To review the rules, visit delta.com/skymiles.

Award Travel: Taxes and fees for Award Travel are the responsibility of the passenger and must be paid at the time the ticket is booked. Award Travel seats are limited and may not be available on all flights or in all markets.

How do you earn miles?
• 1 mile for every eligible dollar you spend*
• Double miles on Delta and Northwest Airlines purchases**

What can you do with miles?
• Use Pay with Miles at delta.com to pay for all or part of your Delta or Northwest Airlines ticket† — every 10,000 miles gets you $100 off the fare, and your Card can cover the rest
• Upgrade your seat on Delta and Northwest Airlines
• Get flights on more than 15 partner airlines‡

* Delta SkyMiles® program: In each year of Cardmembership, your mileage earnings are limited to $100,000 of eligible spending, not including bonuses. However, one mile for every two U.S. dollars of eligible spending on Delta charges will be awarded above this limit. Bonus miles will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to receive bonus miles, Cardmember's account must be active and not in default at time of bonus fulfillment. Balance transfers, Express Cash, Cash Advances, U.S. Savings Bonds transactions, and American Express® Travelers Cheques and Gift Cheques do not earn miles.

** Double Miles on Delta Purchases: This offer applies to qualifying Delta, Northwest, Delta Connection® carrier, and Delta Shuttle® flights taken with the purchase of a fare that is eligible for SkyMiles mileage credit. Offer applies to Delta Vacations® packages but not other all-inclusive packages. In each year of Cardmembership, your miles are limited to $60,000 of eligible spending ($100,000 for Gold Delta SkyMiles Credit Cardmembers, unlimited for Platinum Delta SkyMiles Credit Cardmembers) not including bonuses. Bonus miles will be posted to your Delta SkyMiles® account 8 to 12 weeks after the end of each month. All Delta SkyMiles program rules apply. To review the rules, please visit delta.com/skymiles.

† Pay with Miles: Program is limited to Gold and Platinum Delta SkyMiles and Delta Reserve Credit Cardmembers, as well as to Gold and Platinum Delta SkyMiles Business Credit Cardmembers and Delta Reserve for Business Credit Cardmembers. New Cardmembers and Cardmembers upgrading from another Delta SkyMiles Credit Card product with a U.S. point of sale address in their SkyMiles account are eligible to use Pay with Miles upon receipt of their new Card. Eligible only on Delta, Northwest, and Delta Connection® carrier flights booked at delta.com under the DL or NW code. Flight will be marked as Pay with Miles eligible. Minimum 10,000 miles for redemption. Pay with Miles tickets are not eligible for mileage accrual, Medallion Complimentary Upgrades, Medallion Segment Qualification, Medallion Qualification Miles, or Best Fare Guarantee. Refundable fares paid for fully or partially with SkyMiles will be refunded in accordance with the Pay with Miles terms and conditions. Redemption requirements may differ based on fare. For terms, conditions, and restrictions, visit delta.com/paywithmiles. All SkyMiles program rules apply. To review the rules, visit delta.com/skymiles.

‡ Award Travel: Taxes and fees for Award Travel are the responsibility of the passenger and must be paid at the time the ticket is booked. Award Travel seats are limited and may not be available on all flights or in all markets.

Get an automatic discount whenever you use your Card at OPEN Savings merchants, including FedEx, Hertz®, and many more. Discounts appear on your statement and can always be combined with any other coupon, deal, or offer.*

* OPEN Savings®: Savings range from 3% to 20%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.

Get a $99 Companion Certificate each year on your anniversary. There are no blackout dates or minimum fare requirements.*

* $99 Companion Certificate: Taxes/fees/restrictions. Companion certificate valid for one $99 round-trip Coach-Class Companion ticket with the purchase of certain adult round-trip fares on published routings within the 48 contiguous United States. Residents of Hawaii and Alaska must originate from there to the 48 contiguous United States. Companion tickets do not include a $3.60 Federal Excise Tax, Passenger Facility Charge(s) of up to $4.50, or the September 11th Security Fee of up to $2.50, for each flight segment. For residents of Alaska/Hawaii, for travel to/from Alaska/Hawaii, U.S. International Air Transportation tax of up to $16.00 round-trip applies. Reservations are available only from a travel agent, Delta Reservations, or a Delta City ticket office or airport ticketing location. Companion tickets cost $35 more if issued at Delta Reservations, or a Delta City ticket office or airport ticketing location. $15 fee for 1 checked bag and $25 fee for second checked bag. Allowances subject to size/weight limits. Contact a Delta agent or visit delta.com for details. Taxes and fees are subject to change, are the responsibility of the passenger, and must be paid at the time the primary ticket is purchased and the Companion ticket is issued. All fare rules, restrictions, advance purchase requirements, and availability are per rule of primary ticket fare purchased. Seats available at most fares are limited and may not be available on all flights. Companion tickets are not transferable once issued. Primary ticket and Companion ticket must be purchased with your Gold Delta SkyMiles® Business Credit Card. Both passengers must be booked on the same flights and dates, at the same time. Companion certificate valid for 1 year from certificate issue date; and validity is not based on the calendar year. All travel must be completed one year from certificate issue date. Certificate terms and conditions may vary each year of Cardmembership. Additional restrictions apply. See Companion certificate for details.

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