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Membership Rewards® Program

Get rewarded for virtually every dollar you spend and treat yourself with your choice of retail, dining, entertainment, and travel rewards

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	Platinum Card^®	Premier Rewards Gold Card	American Express^® Green Card	American Express^® Gold Card	ZYNC from American Express^SM

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Overview
Good For	Premium service and rewards, access to invitation-only events, airport lounges & more	Exceptional travel rewards, triple points on all airfare and access to special events	Exceptional rewards and managing your finances	Exceptional rewards and access to special events	Special benefits and rewards when you add select Packs.
Welcome Offer	One-of-a-kind travel privileges and extraordinary service	No annual fee for the first year & Earn 10,000 bonus points after first purchase ¹	No annual fee for the first year ²	No annual fee for the first year ³	Earn 10,000 Membership Rewards^® bonus points after first purchase⁴
How You Earn Points or Miles	1 point for every eligible dollar you spend. 2X points at the American Express Travel website. 2X - 10X with select partners	1 point for every eligible dollar, 3x points on airfare, 2x points on gas & groceries ^† and at the American Express Travel website. 2X - 10X with select partners	1 point for every eligible dollar. 2X points at the American Express Travel website. 2X - 10X with select partners	1 point for every eligible dollar. 2X points at the American Express Travel website. 2X - 10X with select partners	Get 1 point for every eligible dollar you spend. With select Packs, you can get special benefits and rewards for travel, dining, entertainment, and more.
Using Points or Miles for Rewards	Use points for rewards from over 500 brands. Transfer points to over 20 airline and hotel partners or use points for gift cards and merchandise. Exclusive access to rewards from luxury brands	Use points for rewards from over 500 brands. Transfer points to over 20 airline and hotel partners or use points for gift cards and merchandise	Use points for rewards from over 500 brands. Transfer points to over 20 airline and hotel partners or use points for gift cards and merchandise	Use points for rewards from over 500 brands. Transfer points to over 20 airline and hotel partners or use points for gift cards and merchandise	Choose rewards from over 500 leading brands in travel, gift cards, merchandise, and entertainment.


Annual Rewards Calculator	Membership Rewards First® program	Membership Rewards® program	Membership Rewards® program	Membership Rewards® program	Membership Rewards® program
Your monthly spend: /mo. Adjust your MONTHLY spend to see what you can earn PER YEAR	Your Likely Yearly Return: pts.	Your Likely Yearly Return: points. + 10,000 bonus points^*	Your Likely Yearly Return: pts.	Your Likely Yearly Return: pts.	Your Likely Yearly Return: pts.
	Calculating... boost your return Earn more on key categories. Bonus Points Mall® Amex Travel Everywhere Else % That's enough for: $60 in gift cards from over 60 brands including Saks Fifth Avenue and Legal Sea Foods.^* $75 or more toward tickets on any airline using Pay with Points.^* $100 or more toward tickets on any airline using Pay with Points.^* $150 in gift cards from over 60 brands including Saks Fifth Avenue and Legal Sea Foods.^* $200 or more toward tickets on any airline using Pay with Points.^* 1 round-trip domestic airline award ticket.^* An economy class companion award ticket to Europe.^* $400 or more toward tickets on any airline using Pay with Points.^* $500 or more toward tickets on any airline using Pay with Points.^* $600 in gift cards from over 60 brands including Saks Fifth Avenue and Legal Sea Foods.^* $700 toward tickets on any airline using Pay with Points.^* An economy class award ticket to Tahiti.^* $900 toward tickets on any airline using Pay with Points.^* An economy class award ticket to Australia.^* $1,100 or more towards tickets on any airline using Pay with Points.^* An economy class award ticket to Hong Kong.^* A 6.1 megapixel digital SLR camera.^* $1,400 or more toward tickets on any airline using Pay with Points.^* A surround sound home theater system.^* $1,600 or more toward tickets on any airline using Pay with Points.^* A 37" 1080P LCD television.^* $2,000 or more toward tickets on any airline using Pay with Points.^* At least $2,500 toward tickets on any airline using Pay with Points.^* Tip: You're less than 750 points away from $75 off any travel purchase!^* Tip: You're less than 1,250 points away from $100 off any travel purchase!^* Tip: You're less than 2,500 points away from $150 in gift cards!^* Tip: You're less than 2,500 points away from $200 off any travel purchase!^* Tip: You're less than 2,500 points away from a domestic round-trip award ticket!^* Tip: You're less than 2,500 points away from a companion award ticket to Europe!^* Tip: You're less than 5,000 points away from $400 off any travel purchase!^* Tip: You're less than 5,000 points away from $500 off any travel purchase!^* Tip: You're less than 5,000 points away from $600 in gift cards!^* Tip: You're less than 5,000 points away from $700 off any travel purchase!^* Tip: You're less than 5,000 points away from an award ticket to Tahiti!^* Tip: You're less than 5,000 points away from $900 off any travel purchase!^* Tip: You're less than 5,000 points away from an award ticket to Australia!^* Tip: You're less than 5,000 points away from $1,100 off any travel purchase!^* Tip: You're less than 7,500 points away from an award ticket to Hong Kong!^* Tip: You're less than 2,500 points away from a digital SLR camera!^* Tip: You're less than 5,000 points away from $1,400 off any travel purchase!^* Tip: You're less than 5,000 points away from a surround sound home theater system!^* Tip: You're less than 5,000 points away from $1,600 off any travel purchase!^* Tip: You're less than 7,500 points away from a 37" LCD television!^* Tip: You're less than 12,500 points away from $2,000 off any travel purchase!^* Tip: You're less than 25,000 points away from $2,500 off any travel purchase!^*	Calculating... boost your return Earn more on key categories. Airfare Gas, Groceries Everywhere Else % That's enough for: $60 or more in gift cards from over 60 brands including Brookstone and iTunes.^* $75 or more in gift cards from over 60 brands including Brookstone and iTunes.^* $100 or more toward tickets on any airline using Pay with Points.^* $150 or more toward tickets on any airline using Pay with Points.^* $200 or more toward tickets on any airline using Pay with Points.^* 1 round-trip domestic airline award ticket.^* An Economy Class Companion award ticket to Europe.^* $400 or more toward tickets on any airline using Pay with Points.^* $500 or more toward tickets on any airline using Pay with Points.^* $600 or more toward tickets on any airline using Pay with Points.^* $700 or more in gift cards from over 60 brands including Brookstone and iTunes.^* An Economy Class award ticket to Tahiti.^* $900 or more toward tickets on any airline using Pay with Points.^* An Economy Class ticket to Australia.^* $1,100 or more toward tickets on any airline using Pay with Points.^* An Economy Class ticket to Hong Kong.^* $1,300 or more toward tickets on any airline using Pay with Points.^* $1,400 or more in gift cards from over 60 brands including Brookstone and iTunes.^* $1,500 or more toward tickets on any airline using Pay with Points.^* $1,600 or more toward tickets on any airline using Pay with Points.^* $1,750 or more toward tickets on any airline using Pay with Points.^* $2,000 or more toward tickets on any airline using Pay with Points.^* At least $2,500 or more toward tickets on any airline using Pay with Points.^* Tip: You're less than 750 points away from $75 in gift cards!^* Tip: You're less than 1,250 points away from $100 off any travel purchase!^* Tip: You're less than 2,500 points away from $150 off any travel purchase!^* Tip: You're less than 2,500 points away from $200 off any travel purchase!^* Tip: You're less than 2,500 points away from a domestic round-trip award ticket!^* Tip: You're less than 2,500 points away from a Companion award ticket to Europe!^* Tip: You're less than 5,000 points away from $400 off any travel purchase!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^* Plus: You have earned an extra 15,000 bonus points for your annual purchases!^*	Calculating... boost your return Earn more on key categories. Amex Travel Everywhere Else % That's enough for: $60 or more in gift cards from over 60 brands including Nike and Home Depot.^* $75 or more in gift cards from over 60 brands including Nike and Home Depot.^* $100 or more in gift cards from over 60 brands including Nike and Home Depot.^* $150 or more in gift cards from over 60 brands including Nike and Home Depot.^* $200 or more in gift cards from over 60 brands including Nike and Home Depot.^* $250 or more toward tickets on any airline using Pay with Points.^* $300 or more in gift cards from over 60 brands including Nike and Home Depot.^* $400 or more in gift cards from over 60 brands including Nike and Home Depot.^* $500 or more in gift cards from over 60 brands including Nike and Home Depot.^* $600 or more in gift cards from over 60 brands including Nike and Home Depot.^* $700 or more toward tickets on any airline using Pay with Points.^* $800 or more in gift cards from over 60 brands including Nike and Home Depot.^* $900 or more in gift cards from over 60 brands including Nike and Home Depot.^* $1,000 or more in gift cards from over 60 brands including Nike and Home Depot.^* $1,100 or more toward tickets on any airline using Pay with Points.^* $1,250 or more in gift cards from over 60 brands including Nike and Home Depot.^* $1,300 or more in gift cards from over 60 brands including Nike and Home Depot.^* $1,400 or more in gift cards from over 60 brands including Nike and Home Depot.^* $1,500 or more toward tickets on any airline using Pay with Points.^* $1,600 or more in gift cards from over 60 brands including Nike and Home Depot.^* $1,750 or more in gift cards from over 60 brands including Nike and Home Depot.^* $2,000 or more in gift cards from over 60 brands including Nike and Home Depot.^* $2,400 or more in gift cards from over 60 brands including Nike and Home Depot.^* Tip: You're less than 750 points away from $75 in gift cards!^* Tip: You're less than 1,250 points away from $100 in gift cards!^* Tip: You're less than 2,500 points away from $150 in gift cards!^* Tip: You're less than 2,500 points away from $200 in gift cards!^* Tip: You're less than 2,500 points away from $250 in gift cards!^* Tip: You're less than 2,500 points away from $300 in gift cards!^* Tip: You're less than 5,000 points away from $400 in gift cards!^* Tip: You're less than 5,000 points away from $500 in gift cards!^* Tip: You're less than 5,000 points away from $600 in gift cards!^* Tip: You're less than 5,000 points away from $700 off any travel purchase!^* Tip: You're less than 5,000 points away from $800 in gift cards!^* Tip: You're less than 5,000 points away from $900 in gift cards!^* Tip: You're less than 5,000 points away from $1,000 in gift cards!^* Tip: You're less than 5,000 points away from $1,100 off any travel purchase!^* Tip: You're less than 7,500 points away from $1,250 in gift cards!^* Tip: You're less than 2,500 points away from $1,300 in gift cards!^* Tip: You're less than 5,000 points away from $1,400 in gift cards!^* Tip: You're less than 5,000 points away from $1,500 off any travel purchase!^* Tip: You're less than 5,000 points away from $1,600 in gift cards!^* Tip: You're less than 7,500 points away from $1,750 in gift cards!^* Tip: You're less than 12,500 points away from $2,000 in gift cards!^* Tip: You're less than 25,000 points away from $2,400 in gift cards!^*	Calculating... boost your return Earn more on key categories. Bonus Points Mall® Everywhere Else % That's enough for: $60 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $75 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $100 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $150 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $200 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $250 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $300 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $400 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $500 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $600 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $700 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $800 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* A 13-piece stainless steel cooking set.^* A DVD surround sound home entertainment system.^* $1,100 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $1,250 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $1,300 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $1,400 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* A surround sound home theater system.^* $1,600 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $1,750 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* $2,000 or more in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* At least $2,500 in gift cards from over 60 brands including Ticketmaster and Crate and Barrel.^* Tip: You're less than 750 points away from $75 in gift cards! Tip: You're less than 1,250 points away from $100 in gift cards! Tip: You're less than 2,500 points away from $150 in gift cards! Tip: You're less than 2,500 points away from $200 in gift cards! Tip: You're less than 2,500 points away from $250 in gift cards! Tip: You're less than 2,500 points away from $300 in gift cards! Tip: You're less than 5,000 points away from $400 in gift cards! Tip: You're less than 5,000 points away from $500 in gift cards! Tip: You're less than 5,000 points away from $600 in gift cards! Tip: You're less than 5,000 points away from $700 in gift cards! Tip: You're less than 5,000 points away from $800 in gift cards! Tip: You're less than 5,000 points away from a 13-piece stainless steel cooking set! Tip: You're less than 5,000 points away from a DVD surround sound home entertainment system! Tip: You're less than 5,000 points away from $1,100 in gift cards! Tip: You're less than 7,500 points away from $1,250 in gift cards! Tip: You're less than 2,500 points away from $1,300 in gift cards! Tip: You're less than 5,000 points away from $1,400 in gift cards! Tip: You're less than 5,000 points away from surround sound home theater system!^* Tip: You're less than 5,000 points away from $1,600 in gift cards! Tip: You're less than 7,500 points away from $1,750 in gift cards! Tip: You're less tha12,500 points away from $2,000 in gift cards! Tip: You're less than 25,000 points away from $2,500 in gift cards!	Calculating... boost your return Earn more on key categories. Amex Travel Everywhere Else % That's enough for: $60 or more in gift cards from over 60 brands including iTunes® and AMC Theatres®.^* $75 or more in gift cards from over 60 brands including iTunes® and The Cheesecake Factory®.^* $100 or more in gift cards from over 60 brands including iTunes.^* $150 or more in gift cards from over 60 brands including AMC Theatres® and iTunes®.^* $200 or more in gift cards from over 60 brands including AMC Theatres® and iTunes®.^* $250 or more toward tickets on any airline using Pay with Points.^* $300 or more in gift cards from over 60 brands including AMC Theatres® and iTunes®.^* $400 or more in gift cards from over 60 brands including The Cheesecake Factory® and iTunes®.^* $500 or more in gift cards from over 60 brands including The Cheesecake Factory®.^* $600 or more in gift cards from over 60 brands including The Cheesecake Factory®.^* $700 or more toward tickets on any airline using Pay with Points.^* $800 or more in gift cards from over 60 brands including iTunes® and AMC Theatres®.^* $900 or more in gift cards from over 60 brands including iTunes® and The Cheesecake Factory®.^* $1,000 or more in gift cards from over 60 brands including iTunes.^* $1,100 or more toward tickets on any airline using Pay with Points.^* $1,250 or more in gift cards from over 60 brands including AMC Theatres® and iTunes®.^* $1,300 or more in gift cards from over 60 brands including AMC Theatres®.^* $1,400 or more in gift cards from over 60 brands including AMC Theatres® and iTunes®.^* $1,500 or more toward tickets on any airline using Pay with Points.^* $1,600 or more in gift cards from over 60 brands including The Cheesecake Factory® and iTunes®.^* $1,750 or more in gift cards from over 60 brands including The Cheesecake Factory®.^* $2,000 or more in gift cards from over 60 brands including The Cheesecake Factory®.^* $2,400 or more in gift cards from over 60 brands including iTunes® and AMC Theatres®.^* Tip: You're less than 750 points away from $75 in gift cards! Tip: You're less than 1,250 points away from $100 in gift cards! Tip: You're less than 2,500 points away from $150 in gift cards! Tip: You're less than 2,500 points away from $200 in gift cards! Tip: You're less than 2,500 points away from $250 in gift cards! Tip: You're less than 2,500 points away from $300 in gift cards! Tip: You're less than 5,000 points away from $400 in gift cards! Tip: You're less than 5,000 points away from $500 in gift cards! Tip: You're less than 5,000 points away from $600 in gift cards! Tip: You're less than 5,000 points away from $700 off any travel purchase!^* Tip: You're less than 5,000 points away from $800 in gift cards! Tip: You're less than 5,000 points away from $900 in gift cards! Tip: You're less than 5,000 points away from $1,000 in gift cards! Tip: You're less than 5,000 points away from $1,100 off any travel purchase!^* Tip: You're less than 7,500 points away from $1,250 in gift cards! Tip: You're less than 2,500 points away from $1,300 in gift cards! Tip: You're less than 5,000 points away from $1,400 in gift cards! Tip: You're less than 5,000 points away from $1,500 off any travel purchase!^* Tip: You're less than 5,000 points away from $1,600 in gift cards! Tip: You're less than 7,500 points away from $1,750 in gift cards! Tip: You're less than 12,500 points away from $2,000 in gift cards! Tip: You're less than 25,000 points away from $2,400 in gift cards!


Unique and Premium Benefits

Pay with Points or Miles	^†	^†	^†	^†	^†
Complimentary Airport Club Access	^†
Companion Tickets	^†
Personal Concierge Services	^†
Extended Warranty	^†	^†	^†	^†	^†
Roadside Assistance	^†	^†	^†	^†	^†
Access to Exclusive, Once in a Lifetime Events	^†
Early Access to Entertainment	^†	^†		^†
Online Financial Tools
All Our Cards Have...
	Car Rental Loss & Damage Insurance: When you use your Card to rent a car, you're automatically covered if the car is damaged or stolen. ^† Purchase Protection: Protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase (The Platinum Card also covers lost items). ^† Travel Accident Insurance: Provides coverage in case of accidental death and dismemberment while traveling on a Common Carrier Conveyance (plane, train, ship, or bus) when the entire fare has been charged to the Card. ^† Emergency Travel Assistance: You can rely on Global Assist 24/7 for medical, legal, financial or other emergency assistance while traveling more than 100 miles from home. ^†
Financial

APR on Purchases	No interest charges — you pay your balance in full monthly ^†	No interest charges — you pay your balance in full monthly ^†	No interest charges — you pay your balance in full monthly ^†	No interest charges — you pay your balance in full monthly ^†	No interest charges — pay your balance in full monthly
Annual Fee	$450	The first year's on us - then $175 ^†	The first year's on us - then $95 ^†	The first year's on us - then $125 ^†	$25
Bill Payment Terms	Pay your monthly balance in full	Pay your monthly balance in full	Pay your monthly balance in full	Pay your monthly balance in full	Pay your monthly balance in full
	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now

The ability to pay for all or part of your next trip using points or miles.

Membership Rewards^® Pay With Points is available on the Preferred Rewards Green Card, the Preferred Rewards Gold Card, the Premier Rewards Gold Card, the Platinum Card and Blue from American Express. Pay for all or part of your trip anywhere, anytime on any airline without seat restrictions or blackout dates.

SPG Flights is available on the Starwood Preferred Guest Credit Card. Use your Starpoints^® to fly on hundreds of airlines, with no blackout dates or seat restrictions.

Pay with Miles is available on the Gold, Platinum, or Reserve Delta SkyMiles Credit Card. Pay for all or part of the fare with miles with no blackout dates or inventory restrictions.Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small.When you use your Card for eligible purchases, membership extends your warranty up to one year.Your car dies or blows a tire and you're stranded. Just call us and help will be on the way.By Invitation Only^® is a program that gives Platinum Card^® and Centurion^® Card members exclusive access to once-in-a-lifetime experiences - from sports, fashion and fine dining to the visual and performing arts. These unique experiences are customized for Platinum Card members and are simply not available to the general public at any price.

Offerings have included a trip to Napa Valley at harvest time with private tours of wineries and a grape stomp; a wine lover's dinner with an appearance by a world-renowned wine critic; and the chance to have your portrait painted by a famous artist combined with the chance to explore his or her private studio and witness the artist at work.Access some of the best seats in the house for theater, concerts, sporting and family events, and more - get great tickets, often before they go on sale to the general public.With Money Manager, see all your accounts—including savings, checking, investments, credit cards and rewards programs—in one location. It's easy to use and makes it easy to get the "big picture," with graphs and charts on spending, savings and more. Just upload your accounts, then track spending, develop budgets and enjoy automatic updates of your account information.This offer is good for new Cardmembers and Additional Cardmembers on their accounts who have one or more of the following consumer American Express (R) Card products: the American Express Card, the American Express Rewards Green Card, the American Express Preferred Rewards Green Card, the American Express Gold Card, the American Express Rewards Gold Card, the American Express Preferred Rewards Gold Card, the American Express Rewards Plus Gold Card, the Platinum Card (R), the Centurion (R) Card. Offer is valid for eligible purchases charged to an eligible enrolled Card account during the 12 month period commencing on the date the new Card account is issued. To be eligible for this promotion, you must have been solicited for it and your new Card account must be issued by July 31, 2009. New Cardmembers will be automatically enrolled this promotion. To earn double points (one point plus one bonus point for every dollar of eligible charges), you must be enrolled in the Membership Rewards� program at the time of purchase and must charge your purchase on an eligible, enrolled American Express Card. Your Card account must be active and not in default at the time of bonus point fulfillment. Bonus points will be credited to your Membership Rewards account 8-10 weeks after charges appear on your billing statement. The 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 merchants and available rewards are subject to change without notice. You can earn double points in U.S. stand alone gas stations and supermarkets only if the merchant submits the charge for your purchase under the appropriate merchant code, industry code, or required service or product identifier established by us and the merchant. Charges at departments of superstores or warehouse clubs are not eligible for this promotion. This offer is valid on up to $1000 of eligible gas and grocery spend each month. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks and cash advances), finance charges, fees and purchase credit adjustments do not earn points. This promotion can not be combined with any other promotional offers. Bonus Point ID 2795.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. Permitted returns of items purchased with points that cause a credit on your Card account will result in a point deduction on your Membership Rewards program account. These points can be retrieved by calling Membership Rewards. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/termsThe Platinum Card^® member must be traveling. Name on ticket must match name on Platinum Card. The Platinum Card member must be 18 years of age to enter the Airport Club Lounge without a parent or guardian for American Airlines Admirals Club&^® lounges and Delta Air Lines^® Delta Sky Club™ lounges where there is no self-service bar. The Platinum Card member must be 21 years of age to enter into all other Airport Club Lounges where there is a self-service bar. The Platinum Card member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Local age restrictions apply in non-U.S. locations. Code-share and affiliated lounge agreements may not apply. Non revenue tickets and reduced revenue tickets are not eligible with American Airlines. The Platinum Card member must present his or her valid Card, government-issued I.D., and same day 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. 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 Platinum Member Services. Participating airlines and locations subject to change.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 roundtrip, 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 roundtrip. 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.There is typically no cost to you for most efforts 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.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.This service provides up to 4 service calls per year, with $50 of coverage per service call. (Limit of 1 service call in 7 days for the same cause.) Towing is to nearest authorized facility at a maximum of 10 miles with a maximum of $50 coverage. Coverage is applicable to the entire United States, Canada, and Puerto Rico. Additional terms and conditions apply. If you need further information please call the number on the back of your Card.Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. All sales are final and non-refundable and resale is prohibited. Payment must be made using a Platinum Card from American Express. Details and prices are subject to change. Packages are available on a first-come first-served basis. Availability is limitedThe following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card^®, Centurion^® Card, the Delta Reserve Credit 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, or 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.If you become eligible, you may BE GIVEN THE OPTION TO extend payment over time on certain charges using our Flexible Payment Features. If you use these Features, you may accrue interest on any charges you choose to pay over time.How was this calculated?
The number of points is based on your monthly spend, adjusted to accommodate for an entire year of spending. It considers projected Card member usage patterns and includes accelerated earn opportunities.

You earn Membership Rewards® points as follows:

4 points for every eligible dollar spent when you shop online with select retailers at the Bonus Points Mall®*
2 points for every eligible dollar spent when you book with American Express Travel**
1 point for every eligible dollar you spend everywhere else**

* 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.

** Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.You can also use Membership Rewards® points to:

Shop the world—class partners of the private—access First Collection®
Redeem for virtually anything from merchandise and gift cards to entertainment and travel with the award—winning Membership Rewards First® program*
Pay for eligible everyday charges such as gas, groceries, office supplies, and more
Transfer points to frequent flyer programs
Get the latest gadgets, designer clothing, and more at shopAmex.com
Pay with Points for travel, and fly anytime, anywhere**

* Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

** 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.aspx.4x Purchases Made at the Bonus Points Mall®
You can get 4 Membership Rewards® points for virtually every U.S. dollar of eligible spending on the Card when you shop with select retailers online at the Bonus Points Mall.2x Purchases Made at American Express Travel
You can get 2 Membership Rewards® points for virtually every U.S. dollar of eligible spending on the Card whenever you book travel at American Express Travel online.1x Purchases Made Everywhere Else
You can get 1 Membership Rewards® point for virtually every U.S. dollar of eligible spending on the Card everywhere else. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx. The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx Terms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxTerms and Conditions for the Membership Rewards First®program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspxThe annual fee for the Preferred Rewards Green Card and the Additional Preferred Rewards Green Card will be waived for the first year. Thereafter, the annual fee will be $95 for the Basic Card and $30 for up to 5 Additional Cards and $30 for each Additional Card after the first five.To earn triple points (one point plus two bonus points for every dollar of eligible charges) on airfare, and double points (one point plus one bonus point for every dollar of eligible charges) on gas and grocery, you must be enrolled in the Membership Rewards^® program at the time of purchase and you must charge your purchase on an eligible, enrolled American Express^® Card. Your Card account must be active and not in default at the time of bonus point fulfillment. Bonus points will be credited to your Membership Rewards account 6–10 weeks after charges appear on your billing statement. The 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 merchants and available rewards are subject to change without notice. You can earn triple points on charges for purchases of tickets on all major U.S. passenger airlines only if the merchant submits the charge for your purchase under the appropriate merchant code, industry code, or required service or product identifier established by us and the merchant. Charges at tour operators, online travel agencies, travel-related discount websites, and charter flights are not eligible for this bonus. Offer not available to existing consumer American Express Charge Cardmembers. The annual fee for the Premier Rewards Gold Card is $175. 10,000 bonus points credited within 8-10 weeks of first purchase. Purchase must be made within one year from the time of Card account opening.To be eligible to earn bonus points, you must be enrolled in the Membership Rewards^® program at the time of spend and you must make your first eligible purchase with the Premier Rewards Gold Card within one year of Card issuance. 10,000 bonus points will be credited to your Membership Rewards account 6-8 weeks after you make your first eligible purchase. Limit one offer per Card Account. Bonus ID 3661. Terms and Conditions of 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. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program at the time of spend and you must make your first eligible purchase with the Premier Rewards Gold Card within one year of Card issuance. 10,000 bonus points will be credited to your Membership Rewards account 6 — 8 weeks after you make your first eligible purchase. Limit one offer per Card account. Terms and Conditions of 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 ID 3661.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. Permitted returns of items purchased with points that cause a credit on your Card account will result in a point deduction on your Membership Rewards program account. These points can be retrieved by calling Membership Rewards. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/termsExtended 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.This service provides up to 4 service calls per year, with $50 of coverage per service call. (Limit of 1 service call in 7 days for the same cause.) Towing is to nearest authorized facility at a maximum of 10 miles with a maximum of $50 coverage. Coverage is applicable to the entire United States, Canada, and Puerto Rico. Additional terms and conditions apply. If you need further information please call the number on the back of your Card.The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card^®, Centurion^® Card, the Delta Reserve Credit 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, or 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.To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program at the time of spend and you must make your first eligible purchase with the Premier Rewards Gold Card within one year of Card issuance. 10,000 bonus points will be credited to your Membership Rewards account 6 — 8 weeks after you make your first eligible purchase. Limit one offer per Card account. Terms and Conditions of 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 ID 3661.If you become eligible, you may BE GIVEN THE OPTION TO extend payment over time on certain charges using our Flexible Payment Features. If you use these Features, you may accrue interest on any charges you choose to pay over time.The annual fee for the Premier Rewards Gold Card will be waived for the first year of Card membership. The annual fee will be $175 thereafter.To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program at the time of spend and you must make your first eligible purchase with the Premier Rewards Gold Card within one year of Card issuance. 10,000 bonus points will be credited to your Membership Rewards account 6 — 8 weeks after you make your first eligible purchase. Limit one offer per Card account. Terms and Conditions of 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 ID 3661.How was this calculated?
The number of points is based on your monthly spend, adjusted to accommodate for an entire year of spending. It considers projected Card member usage patterns and includes accelerated earn opportunities.

You earn Membership Rewards® points as follows:

3 points for every eligible dollar spent on airfare
2 points for every eligible dollar spent on gas and groceries
2 points for every eligible dollar spent when you shop online with select retailers at the Bonus Points Mall®*
1 point for every eligible dollar spent everywhere else**
10,000 bonus points with your first purchase***
An additional 15,000 bonus points when you spend more than $30,000 in a single calendar year****

* 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® 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.

** Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

*** To be eligible to earn bonus points, you must be enrolled in the Membership Rewards® program at the time of spend and you must make your first eligible purchase with the Premier Rewards Gold Card within one year of Card issuance. 10,000 bonus points will be credited to your Membership Rewards account 6—8 weeks after you make your first eligible purchase. Limit one offer per Card account.Terms and Conditions of 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 ID 3661.

**** To qualify your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.You can also use Membership Rewards® points to:

Redeem for virtually anything from merchandise and gift cards to entertainment and travel with the award-winning Membership Rewards® program*
Pay for eligible everyday charges such as gas, groceries, office supplies and more
Transfer points to frequent flyer programs
Get the latest gadgets, designer clothing, and more at shopAmex.com
Pay with Points for travel, and fly anytime, anywhere**

* Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

** 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.aspx.3x Purchases Made on All Airfare
You can get 3 Membership Rewards® points for virtually every U.S. dollar of eligible spending on the Card whenever you book airfare.Gas and Groceries
You can get 2 Membership Rewards® points for virtually every U.S. dollar of eligible spending on the Card on gasoline and groceries, as well as when you use your Card to shop online with select retailers at the Bonus Points Mall®.1x Purchases Made Everywhere Else
You can get 1 Membership Rewards® point for virtually every U.S. dollar of eligible spending on the Card everywhere else.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.To qualify, your total purchases (net of credits for returns and disputes) charged to your Premier Rewards Gold Card must meet or exceed $30,000 from January 1 to December 31st. Cash and cash equivalent transactions (including balance transfers, convenience checks, and cash advances), finance charges, fees, and purchase credit adjustments are not eligible for qualification.The annual fee for the Green Card will be waived for the first year of Card membership. The annual fee will be $95 thereafter.The annual fee for the Preferred Rewards Green Card and the Additional Preferred Rewards Green Card will be waived for the first year. Thereafter, the annual fee will be $95 for the Basic Card and $30 for up to 5 Additional Cards and $30 for each Additional Card after the first five.This offer is good for new Cardmembers and Additional Cardmembers on their accounts who have one or more of the following consumer American Express (R) Card products: the American Express Card, the American Express Rewards Green Card, the American Express Preferred Rewards Green Card, the American Express Gold Card, the American Express Rewards Gold Card, the American Express Preferred Rewards Gold Card, the American Express Rewards Plus Gold Card, the Platinum Card (R), the Centurion (R) Card. Offer is valid for eligible purchases charged to an eligible enrolled Card account during the 12 month period commencing on the date the new Card account is issued. To be eligible for this promotion, you must have been solicited for it and your new Card account must be issued by July 31, 2009. New Cardmembers will be automatically enrolled this promotion. To earn double points (one point plus one bonus point for every dollar of eligible charges), you must be enrolled in the Membership Rewards� program at the time of purchase and must charge your purchase on an eligible, enrolled American Express Card. Your Card account must be active and not in default at the time of bonus point fulfillment. Bonus points will be credited to your Membership Rewards account 8-10 weeks after charges appear on your billing statement. The 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 merchants and available rewards are subject to change without notice. You can earn double points in U.S. stand alone gas stations and supermarkets only if the merchant submits the charge for your purchase under the appropriate merchant code, industry code, or required service or product identifier established by us and the merchant. Charges at departments of superstores or warehouse clubs are not eligible for this promotion. This offer is valid on up to $1000 of eligible gas and grocery spend each month. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks and cash advances), finance charges, fees and purchase credit adjustments do not earn points. This promotion can not be combined with any other promotional offers. Bonus Point ID 2795.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. Permitted returns of items purchased with points that cause a credit on your Card account will result in a point deduction on your Membership Rewards program account. These points can be retrieved by calling Membership Rewards. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/termsExtended 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.This service provides up to 4 service calls per year, with $50 of coverage per service call. (Limit of 1 service call in 7 days for the same cause.) Towing is to nearest authorized facility at a maximum of 10 miles with a maximum of $50 coverage. Coverage is applicable to the entire United States, Canada, and Puerto Rico. The Cardmember must be 50 miles from home in order to receive the service. Additional terms and conditions apply. If you need further information please call the number on the back of your Card.If you become eligible, you may BE GIVEN THE OPTION TO extend payment over time on certain charges using our Flexible Payment Features. If you use these Features, you may accrue interest on any charges you choose to pay over time.The annual fee for the Green Card will be waived for the first year of Card membership. The annual fee will be $95 thereafter.How was this calculated?
The number of points is based on your monthly spend, adjusted to accommodate for an entire year of spending. It considers projected Cardmember usage patterns and includes accelerated earn opportunities.

You earn Membership Rewards® points as follows:

2 points for every eligible dollar spent when you book with American Express Travel or shop online with select retailers at the Bonus Points Mall®*
1 point for every eligible dollar spent everywhere else**

Redeem for virtually anything from merchandise and gift cards to entertainment and travel with the award—winning Membership Rewards® program*
Pay for eligible everyday charges such as gas, groceries, office supplies, and more
Transfer points to frequent flyer programs
Get the latest gadgets, designer clothing, and more at shopAmex.com
Pay with Points for travel, and fly anytime, anywhere**

* Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

** 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 atmembershiprewards.com/terms.aspx.2x Purchases Made on American Express Travel, Bonus Points Mall®
You can get 2 Membership Rewards® points for virtually every U.S. dollar of eligible spending on the Card when you book with American Express Travel or when you shop with select retailers online at the Bonus Points Mall.1x Purchases Made Everywhere Else
You can get 1 Membership Rewards® point for virtually every U.S. dollar of eligible spending on the Card everywhere else.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher-value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The annual fee for the Gold Card will be waived for the first year of Card membership. The annual fee will be $125 thereafter.The annual fee for the Preferred Rewards Gold Card will be waived for the first year of Card membership. The annual fee will be $125 thereafter.This offer is good for new Cardmembers and Additional Cardmembers on their accounts who have one or more of the following consumer American Express (R) Card products: the American Express Card, the American Express Rewards Green Card, the American Express Preferred Rewards Green Card, the American Express Gold Card, the American Express Rewards Gold Card, the American Express Preferred Rewards Gold Card, the American Express Rewards Plus Gold Card, the Platinum Card (R), the Centurion (R) Card. Offer is valid for eligible purchases charged to an eligible enrolled Card account during the 12 month period commencing on the date the new Card account is issued. To be eligible for this promotion, you must have been solicited for it and your new Card account must be issued by July 31, 2009. New Cardmembers will be automatically enrolled this promotion. To earn double points (one point plus one bonus point for every dollar of eligible charges), you must be enrolled in the Membership Rewards� program at the time of purchase and must charge your purchase on an eligible, enrolled American Express Card. Your Card account must be active and not in default at the time of bonus point fulfillment. Bonus points will be credited to your Membership Rewards account 8-10 weeks after charges appear on your billing statement. The 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 merchants and available rewards are subject to change without notice. You can earn double points in U.S. stand alone gas stations and supermarkets only if the merchant submits the charge for your purchase under the appropriate merchant code, industry code, or required service or product identifier established by us and the merchant. Charges at departments of superstores or warehouse clubs are not eligible for this promotion. This offer is valid on up to $1000 of eligible gas and grocery spend each month. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks and cash advances), finance charges, fees and purchase credit adjustments do not earn points. This promotion can not be combined with any other promotional offers. Bonus Point ID 2795.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. Permitted returns of items purchased with points that cause a credit on your Card account will result in a point deduction on your Membership Rewards program account. These points can be retrieved by calling Membership Rewards. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/termsExtended 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.This service provides up to 4 service calls per year, with $50 of coverage per service call. (Limit of 1 service call in 7 days for the same cause.) Towing is to nearest authorized facility at a maximum of 10 miles with a maximum of $50 coverage. Coverage is applicable to the entire United States, Canada, and Puerto Rico. Additional terms and conditions apply. If you need further information please call the number on the back of your Card.The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card^®, Centurion^® Card, the Delta Reserve Credit 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, or 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.If you become eligible, you may BE GIVEN THE OPTION TO extend payment over time on certain charges using our Flexible Payment Features. If you use these Features, you may accrue interest on any charges you choose to pay over time.The annual fee for the Gold Card will be waived for the first year of Card membership. The annual fee will be $125 thereafter.How was this calculated?
The number of points is based on your monthly spend, adjusted to accommodate for an entire year of spending. It considers projected Cardmember usage patterns and includes accelerated earn opportunities.

You earn Membership Rewards® points as follows:

2 points for every eligible dollar spent when you shop online with select retailers at the Bonus Points Mall®*
1 point for every eligible dollar spent everywhere else**

Redeem for virtually anything from merchandise and gift cards to entertainment and travel with the award-winning Membership Rewards® program*
Pay for eligible everyday charges such as gas, groceries, office supplies, and more
Transfer points to frequent flyer programs
Get the latest gadgets, designer clothing, and more at shopAmex.com
Pay with Points for travel, and fly anytime, anywhere**

2 points for every eligible dollar spent when you book with American Express Travel or shop online with select retailers at the Bonus Points Mall®*
1 point for every eligible dollar spent everywhere else**

Redeem for virtually anything from merchandise and gift cards to entertainment and travel with the award-winning Membership Rewards Express® program*
Get the latest gadgets, designer clothing, and more at shopAmex.com
Paywith Points for travel, and fly anytime, anywhere**

* Terms and Conditions for the Membership Rewards Express, program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

** 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.aspx.2x Purchases Made on American Express Travel, Bonus Points Mall®
You can get 2 Membership Rewards® points for virtually every U.S. dollar of eligible spending on the Card when you book with American Express Travel or when you shop with select retailers online at the Bonus Points Mall.1x Purchases Made Everywhere Else
You can get 1 Membership Rewards® point for virtually every U.S. dollar of eligible spending on the Card everywhere else.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.The examples included in the calculator are based on approximations. In some cases, it might be possible to redeem your calculated yearly return for a higher–value reward.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

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.aspx.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.

Global Assist - Emergency Travel Assistance
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.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.

Global Assist - Emergency Travel Assistance
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.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.

Global Assist - Emergency Travel Assistance
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.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.

Global Assist - Emergency Travel Assistance
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.

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