Saturday, September 22, 2012

AE Business Platinum Card _ Benefits and Terms




Terms and Conditions
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IMPORTANT INFORMATION REGARDING RATES, FEE, AND OTHER COST INFORMATION
Payment Information
All charges made on this charge card are due and payable when you receive your periodic statement.
Fees
Annual Membership Fee
$450
Transaction Fees
  • Foreign Transaction
None
Penalty Fees
  • Late Payment
  • Returned Payment
$35 or 2.99% of the past due amount, whichever is greater. 
$35
  
TERMS AND CONDITIONS

By submitting this application, you, as an individual and the Authorizing Officer of the Company, (a) are requesting us to open an Account in the name of the Company, (b) are requesting that we issue Card(s) as you direct, (c) are agreeing to be jointly and severally liable with the Company for all charges to the account, and (d) are REPRESENTING THAT ALL CARD(S) ISSUED ON THE ACCOUNT WILL ONLY BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. Only qualified individuals 18 or over may be approved for a Card Account. This offer is available to US Residents, excluding Puerto Rico and the US Virgin Islands. When you use the Account (or sign or keep the Card), you agree to the terms of the Cardmember Agreement that will be provided to you for the Account. The Cardmember Agreement includes an arbitration provision, which impacts the opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. We may change the terms of, or add new terms to, the Cardmember Agreement at any time, subject to applicable law. We may apply any changed or new terms to any existing and future balances on your Account, subject to applicable law.

You promise that the information you provide on this application is accurate. You authorize us to verify this information and to obtain reports from consumer reporting agencies. You authorize us and our affiliates and subsidiaries to share information we have about you at any time for marketing and administrative purposes as permitted by law. Upon request, we will tell you if we have received a consumer report and the name and address of the agency that provided it.

Additional Cards: You must notify Additional Cardmembers that we may obtain, provide, and use information about them and that their use of your Account is subject to certain provisions of the Cardmember Agreement. We may seek payment from Additional Cardmembers for Charges they make or authorize if you do not pay us. The maximum number of Additional Cards issued on each Account is 99.

Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.

Notice to Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.

Notice to Oregon Residents: You may pay more than the minimum payment due, up to your entire outstanding balance, at any time.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.


POID AAB6:0001 

Welcome bonus offer not available to applicants who have had this product or any other Business Green or Business Gold Card account within the last 12 months

Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months of Card membership
To be eligible to receive the bonus points, you must (1) apply for the Business Platinum Card from American Express OPEN using Bonus ID A2AE prior to termination of this offer, but no later than October 30, 2012, and (2) charge $5,000 of eligible purchases on the Business Platinum Card in the first 90 days of Card membership. The bonus points will be credited to your Membership Rewards® account 6-8 weeks after you have met the purchase requirement. This is a limited time offer, which may be terminated by American Express at any time. Offer may not be combined with any other promotional offers. Membership Rewards program terms and conditions apply.


The following benefits and services are subject to change or cancellation.

$200 Airline Fee Credit
Benefit is available to Consumer and Business Platinum Card® and Centurion® members only. To receive statement credits of up to $200 a year toward incidental air travel fees, Card member must enroll and choose a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card member or Authorized Account Manager(s) on the Card account can enroll and select the qualifying airline. Card members who have not chosen a qualifying airline will be able to do so at any time. Card members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of the Card. Card members who do not change their airline selection will remain with their current airline. Statement Credits: Incidental air travel fees must be charged on the enrolled Card account for the benefit to apply. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card member's airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the incidental air travel fees under the appropriate merchant code, industry code, or required service or product identifier for the charge to be identified. Purchases made by both the Basic and Additional Card members on the enrolled Card account are eligible for statement credits. Each Card Account is eligible for up to a total of $200 a year in statement credits, regardless of the number of Cards on the Account. Please allow 2-4 weeks after the qualifying incidental air travel fee is charged to your Card account for statement credit(s) to be posted to the account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Card members remain responsible for timely payment of all charges. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card account (for example, Sign & Travel), the statement credit associated with that charge will not be applied to that Pay Over Time feature balance. Instead, the statement credit will be applied to your Pay In Full balance. For additional information about this benefit, call the number on the back of your Card.

Additional Card Spending Limits
Additional Card Spending Limits must be established by calling the number on the back of your Card. The Spending Limit is not a guarantee that the Additional Cardmember will be able to make purchases up to that limit. There are certain purchases where the limit does not apply such as restaurant tips and hotel stays extended beyond their original reservation period and the overall Account capacity is taken into consideration. For more information on the application of the limit, please refer to the Spending Limit Terms & Conditions that will be included in the confirmation letter mailed to you after your limit is applied to each Additional Card.

Airport Club Access
The Business Platinum Card® member must be traveling. Name on ticket must match name on Business Platinum Card®. (Ticket not required for US Airways® Clubs). The Business 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. For Delta Sky ClubTM lounges the member must be 18 where there is no self-service bar. The Business Platinum Card® member must be 21 years of age to enter into all Airport Club Lounges where there is a self-service bar. Local age restrictions apply in non-U.S. locations. The Business Platinum Card® member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Code-share and affiliated lounge agreements may not apply. Employee travel-related benefit tickets are not eligible with American Airlines. The Business Platinum Card® member must present his or her valid Card, government-issued I.D., and same day airline ticket to club agents. (Ticket not required for US Airways® Clubs). 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 Business Platinum Member Services. Partners and locations subject to change.

American Express Travel App
The American Express Travel App is available only to US Card members who have at least one active Charge or Credit Card issued by American Express enrolled in American Express Online Services, with an americanexpress.com User ID and Password. You must be 18 years or older and have a compatible device and operating system. Accuracy of information is not guaranteed. Benefits subject to change or cancellation without notice. Additional terms and conditions apply. For additional details, see the End User License Agreement and Additional Terms (Phone Users click here;Blackberry users click here) and your Card Agreement.

Authorize Someone To Manage Your Account
Authorized Account Managers and Agents must be at least 18 years old. American Express® Business Line of Credit accounts are not eligible for Authorized Account Managers.

Automatic Bill Pay
Terms and Conditions apply. Not all providers service all markets. In some instances, it may take more than one billing cycle before initial paid amounts are posted to your American Express Card® account. Please remember to cancel these payments with your service providers if you close your Card account, and advise your service providers if your Card account number changes.

By Invitation Only
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 Business Platinum Card from American Express. Details and prices are subject to change. Packages are available on a first-come first-served basis. Availability is limited.

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

Cash Checking Privileges
The check cashing limit is $10,000 every 7 days domestic or 21 days internationally. The $10,000 limit is a combined total of Check Cashing and Express Cash access. Not all services are available at all locations. Subject to local laws and cash availability.

Concierge
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.

Cruise Privileges Program
Valid for new bookings of voyages of at least five nights made through American Express Travel. U.S. Platinum Card member or Centurion member must travel on itinerary booked. To obtain benefits, travel agents must visit americanexpress.com/asdonline. See americanexpress.com/cruiseprivileges for Cruise Privileges terms and conditions.

Dining Reservations
Reservations are based on a first come, first serve basis. All cancellations must be made by calling at least 24 hours in advance of your reservation, otherwise you will be subject to a cancellation fee of $15 per person (minimum of $60, maximum of $120).

Dispute Resolution
Not all disputes are resolved in the Cardmember's favor.

Emergency Card Replacement
Not all services available at all locations and all are subject to local laws and cash availability.

Equinox Fitness Clubs
Purchase a new membership to Equinox Fitness Club and you'll receive an exclusive package of additional fitness benefits. Included are two personal training sessions in addition to the standard new member benefits from Equinox including one personal training session, one Equifit evaluation, 10% off all spa services, one 30 minute pilates session and guest passes. Equinox members enrolled in corporate membership agreements are not eligible for these offers. For a full list of Equinox locations, go to www.equinox.com. Platinum Card members should enroll directly with Equinox.

Express Cash
For U.S. Card members, the fee for each cash transaction shall be the greater of $5.00 or 3% of the cash transaction with no maximum. The 1% fee on Express Cash Travelers Cheque purchases is waived for Business Platinum Card members. Combined Express Cash and Emergency Check Cashing withdrawals must not exceed the monthly $10,000 limit. Express Cash transactions and fees will not be billed to your Card statement. Withdrawal amounts may vary depending on the ATM network and Card member credit and repayment history. If multiple withdrawals are required, a separate transaction fee will be charged. By using the service you are indicating your acceptance of the terms of the Electronic Fund Transfer agreement, which you will receive upon acknowledgement of your enrollment.

Extended Payment Option
Eligible charges for the Extended Payment Option include charges of $100 and over. The following charges are excluded: Express Cash, American Express® Travelers Cheques, insurance, Privileged Assets®, casinos/gambling, real estate, and other transactions designated by the Bank. This offer remains valid as long as you are a Cardmember in good standing and there has not been a material change to your credit worthiness.

Fine Dining Program
Reservations are based on a first come, first serve basis. All cancellations must be made by calling at least 24 hours in advance of your reservation, otherwise you will be subject to a cancellation fee of $15 per person (minimum of $60, maximum of $120).

FINE HOTELS & RESORTS
Valid for new bookings made through American Express Travel. Payment must be made with an American Express Card in the U.S. Platinum Card member or Centurion member's name. Card member must travel on itinerary booked. Room upgrade based on availability. May not be combined with other offers unless indicated. Benefit restrictions vary by hotel and cannot be redeemed for cash. Limit one benefit package per room, per stay. Three room limit per Card member, per stay; back-to-back stays within a 24-hour period at the same property considered one stay. Participating providers and benefits subject to change.

FX International Payments
FX International Payments is a service of American Express Travel Related Services Company, Inc. ("American Express"). This service is not available to consumers. To enroll in this service, your business will be required to complete an application which is subject to review and approval by American Express. For a copy of this application, including terms and conditions, call 855-814-5298. If an OPEN Business Platinum Card® member applies for the FX International Payments service and is approved by American Express, American Express will waive its transaction fee on foreign currency wire payments. This waiver may be discontinued by American Express at any time or in the event you cease to be an American Express OPEN Business Platinum Card member. Wire payments in the same currency (e.g., USD to USD) are not eligible for this waiver. There is no minimum number of transactions in order to qualify for this waiver, but a minimum transaction size may apply, depending on the currency of the transaction. In some countries, the receiving bank may assess its own transaction fees on your wire payment. You recognize that, even if American Express does not charge you a transaction fee on your foreign currency wire payment, American Express may earn revenue from the foreign exchange transaction. Other fees may apply to products and services other than foreign currency wire payments. © 2012 American Express Company. All rights reserved.

Global Entry Program
Global Entry is a U.S. government program. American Express has no control over the application and/or approval process, and does not have access to any information provided to the government by the Consumer and Business Platinum Card® or Centurion® member.
American Express has no liability regarding the Global Entry program. If you need more information regarding the application and/or approval process, as well as the full terms and conditions of this program, please go to www.globalentry.gov.

The benefit is available to Consumer and Business Platinum Card and Centurion members only and applies when the Card member selects the "Global Entry" program. Other program applications including, but not limited to, NEXUS, SENTRI, and Privium are not eligible for the statement credit. If a Card member selects any other program in addition to the Global Entry program, the transaction is not eligible for the statement credit.

To receive the $100 statement credit, Card member must complete the Global Entry application and pay a $100 application fee with a valid Consumer or Business Platinum Card or Centurion Card. If an Account has Additional Platinum Card(s) or Centurion Card(s), the Additional Card(s) is also eligible for the $100 statement credit per each Additional Card. To receive the credit, the application must be charged on the Additional Card account. If approved, membership into the Global Entry program is valid for 5 years without additional charges and subject to the program's terms and conditions. The $100 application fee must be paid regardless of a decision by U.S. Customs and Border Protection and is required to process the application. Membership is per person, and a separate application must be completed for each individual.

Please allow 6-8 weeks after the qualifying Global Entry transaction is charged to the eligible Card account for statement credit(s) to be posted to the account. Card members can call the number on the back of the Card if statement credits have not posted after 8 weeks from the date of purchase. Card members are responsible for payment of all charges until the statement credit(s) posts to the account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.

Guaranteed Room Reservations
Just request an American Express Guaranteed Room Reservation when you make a reservation at a participating hotel or motel - don't forget to ask for a confirmation number. Your room will be held until check-out time the day following your scheduled arrival, or you will be provided with comparable accommodations at no charge.

Limouisine Program
Valid for new bookings made through American Express Travel. To get triple points, you must charge your limousine to Membership Rewards program-enrolled American Express Card in U.S. Platinum Card member or Centurion member's name. Card member must travel on itinerary booked. Valid only with standard, non-discounted rates. Participating providers and benefits subject to change. Triple Membership Rewards bonus points will be credited to Card member's Membership Rewards account 10-12 weeks after completion of travel. See membershiprewards.com/terms for Membership Rewards First program terms and conditions. Carey Bonus ID: 2918. Empire Bonus ID: 2883. American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives, and may also provide incentives to our travel counselors. CST#1022318-10, ML#1192, Washington UBI#600-469-694, TA#002 - Registered Iowa Travel Agency, NV#2001-0126.

Membership Rewards First®
Terms and Conditions for the Membership Rewards First® program apply. Visit membershiprewards.com/terms or call 1-800-297-1300 for more information. Participating partners and available rewards are subject to change without notice.

Membership Rewards® Pay with Points - 20% Bonus
To use Pay with Points, you must charge purchase through American Express Travel to Membership Rewards® program-enrolled Card. Points will be debited from Membership Rewards®account, and credit for corresponding dollar amount will be issued to Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on Card account. Minimum redemption 5,000 points. For American Express Travel Pay with Points redemptions, Business Platinum Card members and Centurion members will receive 1 bonus point for every 5 points you redeem. To be eligible to earn bonus points, Card account(s) must be active and not in default at the time of bonus points fulfillment. Transactions charged to a Corporate Card are excluded. Bonus points will be credited to your Membership Rewards® account approximately 6-10 weeks after charges appear on your billing statement. Seehttp://membershiprewards.com/terms for Membership Rewards® program terms and conditions. Bonus ID: 4880.

No Pre-Set Spending Limit
No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

OPEN Savings ®
Savings range from 3% to 10%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. If purchases that received the OPEN Savings discount are refunded, the OPEN Savings discount will be reversed and debited from your account. Please review your monthly Cardmember statement in order to confirm proper crediting of returns. If you believe that returns have not been properly credited to your account, please call the number on the back of your Card. Other restrictions or limitations may apply. Subject to offer terms and conditions located at open.com/opensavings. Merchant participation and offers are subject to change without notice.

Platinum Office Program
Activation with Regus required. This benefit is subject to Regus' and each service provider's terms and conditions.

Platinum Travel Services
Revise the Seller of Travel legal disclosure as follows: American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives, and may also provide incentives to our travel counselors. CST#1022318-10, ML#1192, Washington UBI#600-469-694, TA#002 - Registered Iowa Travel Agency, NV#2001-0126.

Platinum Villas®
Valid for new bookings made through American Express Travel. Payment must be made with an American Express Card in U.S. Platinum Card member or Centurion member's name. Card member must travel on itinerary booked. Limit one benefit package per reservation. May not be combined with other offers unless indicated. Participating providers and benefits subject to change.

Preferred Seating
The following American Express Cards (domestic and/or international) are eligible for American Express Preferred Seating: 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. American Express Preferred Seating 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.

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

Premium Global Assist Hotline
While the Premium Global Assist® Hotline coordination and assistance services are offered at no additional charge from American Express, Card members may be responsible for the costs charged by third-party service providers.  Call 1-800-345-AMEX for full terms and conditions.

Priority PassTMSelect
These Terms and Conditions govern Business Platinum Card members' participation in and use of the Priority Pass Select program. Priority Pass is an independent airport lounge access program. By enrolling in Priority Pass Select, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass from time to time. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Business Platinum Card members in good standing may access participating Priority Pass Select lounges worldwide on a complimentary basis. Additional Gold Card members are not eligible for complimentary membership. The Priority Pass Select member must present his or her Priority Pass Select card and boarding pass to gain access to participating lounges. In some cases, Priority Pass Select member must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating clubs. Amenities may vary among airport lounge locations. Conference rooms may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. Member is liable for all accompanying guest visits and will be automatically charged $27 per guest after it has been reported by the participating lounge. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use which will be sent to you with your membership package, and can be viewed at www.prioritypass.com/select. Upon receipt of your enrollment information, Priority Pass will process your membership and send you your personalized membership card together with your Priority Pass Select lounge listings, which you should receive within 10-14 days.

Private Jet Services Program
Valid for new bookings made through American Express Travel. Payment must be made with an American Express Card in U.S. Platinum Card member or Centurion member's name. Card member must travel on itinerary booked. May not be combined with other offers unless indicated. Benefits listed are non-transferable and are not redeemable for cash. Participating providers and benefits subject to change.

Return Protection
Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Cardmember account per calendar year. Shipping and handling charges will not be reimbursed. Subject to additional terms, conditions and exclusions.

Roadside Assistance Anywhere
American Express Roadside Assistance Services are provided as an emergency service and not a general maintenance type service. Coverage is provided for 1 service only every 7 days. Coverage provided for self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, and trucks with a carrying capacity of up to 2 tons. Towing to the nearest authorized facility, or, upon the Card-member's request, to another location with a maximum of $50 coverage. Emergency situations do not include: all parts, labor and supplies provided while at an auto repair shop or service station, towing to another location unless the initial service location is closed, service for taxicabs, tractors, boats, rental vehicles, ambulances, trucks, vehicles used for competition, unlicensed vehicles, illegally parked or impounded vehicles, or any vehicles in tow, rental and towing equipment, towing at the direction of law enforcement officer relating to traffic obstruction, impoundment, abandonment, illegal parking, or other violations of law or towing by other than a licensed service station or garage, installation or removal of snow tires, repairs to studs, mounting and dismounting snow chains, repeated service calls for a vehicle in need of routine maintenance or repair, shoveling snow from around a vehicle, vehicle storage, or impoundment charges.


For important information on policy terms, go to americanexpress.com/benefitsguide 

Baggage Insurance Plan
American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 or Policy BIP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 or Policy CRLDI-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Employee Card Misuse Protection
Employee Card Misuse Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0960 or Policy ECMP-IND and is subject to change with notice. This document does not supplement or replace the Policy.

Event Ticket Protection Plan
Event Ticket Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0974 or Policy ETP-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is not available to residents of New York State.

Extended Warranty
Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy.

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

Travel Accident Insurance
Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

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