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American Express Terms & Conditions

American Express Terms and Conditions

Terms and Conditions

  1. OPEN Savings®: Payment must be made with an American Express® Business Card at the time of purchase. Savings will be credited to your American Express Business Card billing statement. All savings referenced are in addition to any offers made by participating companies. Participation and offers are subject to change without notice. Terms and conditions apply. For more information, please visit opensavings.com. OPEN Savings purchases are defined as purchases made at BizFilings, Ceridian, Constant Contact®, Courtyard by Marriott®, Delta®, eSkyGuide, ExpensAble, Fairfield Inn by Marriott®, FedEx Express®, FedEx Ground®, FedEx Kinko™s Office and Print Centers®, Gateway, Hertz®, Hyatt Hotels Resorts®, JetBlue®, Logoworks®, Ruby Tuesday®, SpringHill Suites by Marriott®, Symantec, Wingate Inns®, and 1-800-FLOWERS.COM®.
  2. The American Express Card has no pre-set spending limit which provides purchasing power that adjusts with the use of the Card. No preset spending limit does not mean unlimited spending. Purchases are approved based on a variety of factors, including current spending patterns, payment history, credit record, and financial resources known to us.
  3. The annual fee of $125 for your Basic card is waived for the first year of your membership. The annual fee of $45 per additional Business Gold Rewards Card is waived for the first year if added during the first year of your membership.
  4. 4. The annual fee for the Membership Rewards® program is $40. Some Business Cards from OPENSM the small business team and some Corporate Cards are not eligible for enrollment. Fees and terms for Business Cards and Corporate Cards may vary. For Platinum Card® members, Rewards Plus Gold Card members, Membership Rewards Credit Card members, Business Membership Rewards Card members, Business Gold Rewards Card members, Business Platinum Card® members and Business Centurion® Card Members, there is no annual program fee for the Membership Rewards program. There will be an additional $10 annual fee for each Business Card linked to a Membership Rewards account with other enrolled Charge Cards. The $10 annual linkage fee will not be assessed if the Card member has a Platinum Card, a Business Platinum Card, any Additional Card of a Business Platinum Card, an Executive Business Card, any Additional Card of an Executive Business Card, a Business Centurion Card, any Additional Card of a Business Centurion Card or a Fidelity American Express® Platinum Card linked to the same Membership Rewards account. Participating partners subject to change.
  5. 5. Bonus $100 savings applies to your first purchase made on or before 12/31/07, and will appear as a statement credit on your monthly billing statement. Maximum discount available is $100 per Card account.
  6. The introductory APR for purchases is 0% for the 1st 6 months, then the standard APR for purchases will apply. The APRs for purchases are 11.24%, 12.24%, 15.24%, 18.24% as of 8/7/07.
  7. Cash Rebate: There is no limit to the amount of cash rewards you can earn. You will receive the Rebate in the form of a credit to your Account (net of credits for purchases). The credit will appear on the second billing statement following the billing statement in which the qualifying Purchase(s) appeared, based on the following structure: You will receive a Rebate of 5% for purchases of wireless telephone services, automobile gasoline (effective December 01, 2007, any individual Purchase transaction in excess of 75 gallons or equivalent dollar value will not be deemed to be a Purchase of automobile gasoline), and office supplies and equipment not purchased at warehouse clubs, superstores or supermarkets (“5% Purchase(s)”). You will receive a Rebate of 1% for all other purchases. To receive the Rebate, your account must be active and in good standing. Important: You will receive a 5% Rebate only if the merchant submits the Charge for your 5% Purchase under the appropriate merchant code, industry code and required service or product identifier established by us with/for the merchant. For example, if a general merchandise retailer sells office supplies, and the retailer processes your Card transaction as a general merchandise charge instead of an office supply charge, you will receive a Rebate of 1%, not a Rebate of 5%. You will not receive a Rebate for balances transferred from other accounts, purchases of American Express(R) Travelers Cheques or American Express(R) Gift Cheques, fees, Finance Charges, Cash Advances and similar means of accessing your Card Account. Additional terms and conditions apply.
  8. Bonus $50 savings applies to your first purchase made on or before 12/31/07, and will appear as a statement credit on your monthly billing statement. Maximum discount available is $50 per Card account.
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