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ExpressPay
An easy way to make purchases without swiping your Card
Enjoy your next getaway sooner with 15,000 bonus points, equal to a $200 statement credit.3
Earn a $100 cash back with $1,000 in eligible purchases in the first 3 months of Cardmembership on your Blue Cash EverydaySM Card.4
Earn $150 cash back with $1,000 in eligible purchases in the first 3 months of Cardmembership on your Blue Cash PreferredSM Card.5
How You Earn Points or Miles
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.
Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts †
2x points on dining, hotel, and car rental purchases. One point for virtually every other dollar spent†
Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases.†
Get 6% cash back at supermarkets, 3% cash back at gas stations and department stores, and 1% cash back on all other purchases.†
Using Points or Miles for Rewards
Choose rewards from over 500 leading brands in travel, gift cards, merchandise, and entertainment.
Redeem Starpoints® at over 1,000 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines through SPG flights, all with no blackout dates.
Redeem 7,500 points for $100 off virtually any travel purchase including airlines (with no blackout dates), hotels, cruises and car rentals†
Receive your rebate as a statement credit when your available Reward Dollar balance is $25 or more.
Receive your rebate as a statement credit when your available Reward Dollar balance is $25 or more.†
Car Rental Loss & Damage Insurance: When you use your eligible Card to reserve and pay for an auto rental, you can be covered if the car is damaged or stolen. †
Purchase Protection: Can protect 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: Coverage is provided for accidental death and dismemberment while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare** has been charged to the Card. **not applicable for residents of New Hampshire. †
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 — pay your balance in full monthly
A variable rate, currently 15.24%, 17.24% or 19.24%
0% intro APR for 12 months. After that, your APR will be a variable rate, currently 17.24%, 20.24% or 22.24%
0% intro APR for up to 12 months. After that, your APR will be a variable rate, currently 17.24%, 20.24% or 22.24%
0% intro APR for up to 12 months. After that, your APR will be a variable rate, currently 17.24%, 20.24% or 22.24%
Annual Fee
$25
$0 intro annual fee for the first year, then $65
$75
None
$75
Bill Payment Terms
Pay your monthly balance in full
Flexibility to pay over time
Flexibility to pay over time
Flexibility to pay over time
Flexibility to pay over time
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.Stay on track of your finances by managing your account online. View your detailed online statement, which breaks down spending in charts and graphs that make it easy to identify trends and keep your account on track. Set up account alerts to either e-mail or your mobile phone to track spending or payments. And, rely on your Year-End summary for a detailed, organized report on transactions to prepare for tax time. Offer not available to existing consumer American Express Card members. 10,000 bonus points credited within 6-8 weeks of first purchase. Purchase must be made within one year from the time of Card account opening. Offer not available to existing consumer American Express Card members. 10,000 bonus points credited within 6-8 weeks of first purchase. Purchase must be made within one year from the time of Card account opening.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.Through Roadside Assistance, American Express may arrange for five (5) basic emergency roadside services to be provided to Cardmembers: (i) towing to nearest available repair shop or preferred destination depending provider availability; (ii) jumpstarts when a battery is dead; (iii) delivery of up to two (2) gallons of gas; (iv) locksmith service if keys are locked in the car; and, (v) changing of a flat tire if the car has a workable spare. All costs associated with these emergency roadside services are the responsibility of the Cardmember. These services are available when a Cardmember and a licensed driver are present. Services are available regardless of mileage from primary residence when traveling within the United States, Canada, and Puerto Rico. Additional terms and conditions apply.To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had.You will receive two Starpoints® from American Express® and two Starpoints (or three Starpoints if you have Starwood Preferred Guest® elite status) from the Starwood Preferred Guest Program for each U.S. dollar of Eligible Spending charged on your Starwood Preferred Guest Credit Card from American Express at participating Starwood properties, standalone retail establishments and online stores that, in each case are wholly owned by Starwood Hotels & Resorts Worldwide, Inc, and its affiliates. Starwood associates do not receive any additional Starpoints as a Starwood Preferred Guest member for hotel stays and spend. "Eligible spending" means purchases for goods and services minus returns and other credits. Eligible spending does NOT include: fee or interest charges; balance transfers; cash advances; purchases of American Express® Gift Cards or Travelers Cheques; and, purchases of other cash equivalents. American Express reserves the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest®Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had.You must use your Starwood Preferred Guest Credit Card to complete $15,000 of eligible spending by the end of your first six months of Cardmembership, based on the date of your Card approval. 15,000 Starpoints will be credited to your account 8 to 12 weeks after you reach the spend threshold. Offer not available to existing (American Express) Cardmembers.To be eligible to receive 10,000 bonus Starpoints, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had. You must use your Starwood Preferred Guest Credit Card to complete $5,000 of Eligible Spending by the end of your first six months of Cardmembership, based on the date of your Card approval. 15,000 Starpoints will be credited to your account 8 to 12 weeks after you reach the spend threshold. Offer not available to existing consumer American Express Card members.* To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8 – 12 weeks after your first purchase. Bonus Starpoints are for first–time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had.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 benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico.* To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8 – 12 weeks after your first purchase. Bonus Starpoints are for first–time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had.* To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8 – 12 weeks after your first purchase. Bonus Starpoints are for first–time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had.To be eligible for the 7500 welcome bonus, you must charge your first $500 of spend on your new Blue Sky from American Express account within 60 days. The 60-day period is evaluated from the date your Blue Sky Card is issued to the date ending 60 days thereafter. Qualifying purchases must appear on a billing statement without being subject to a purchase credit. Bonus points will be awarded 6-8 weeks after first $500 of spend appears on your monthly billing statement. This offer is valid for first-time Blue Sky Cardmembers only. You may be permitted to have more than one Blue Sky from American Express account; however, you are eligible to receive the welcome bonus for only one Blue Sky from American Express account. Additional Cardmembers are not eligible.You will accrue double points (one (1) point plus one (1) bonus point) for each $1 of eligible hotel, rental car and restaurant purchases (minus returns and any credits) charged on your Blue SkySM Preferred from American Express (card account). Eligible purchases do not include balance transfers, convenience checks, interest charges, fees, cash advances, purchases of American Express Gift Cards or Travelers Cheques or purchases of other cash equivalents.
An eligible purchase is a purchase of goods and services in the U.S. charged on your card account at hotels, restaurants and car rental companies. The merchant must submit charges under the appropriate merchant code or industry code for you to receive double points. Eligible purchases do not include purchases at superstores or warehouse clubs and such purchases are not eligible for double points.
Additional terms and conditions apply. We reserve the right to exclude charges that we determine are made for resale or are not made for personal, family or household purposes.Points can only be redeemed in the form of a statement credit on eligible travel purchases (which are purchases at airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators, and online travel sites billed to your account and submitted by the merchant using the proper industry, merchant or product/service code). Redemption requests must be made within 60 days from the closing date shown on the billing statement on which the travel purchase first appears. Points may only be redeemed in increments of 7,500. Each 7,500-point increment is equal to a statement credit of up to $100, up to the amount of the eligible travel purchase. Additional terms and conditions apply.To be eligible for the welcome bonus you must charge your first $1,000 of qualifying purchases on your new Blue Sky Preferred from American Express® account within 3 months. The 3 month period is evaluated from the date your Blue Sky Preferred® Card is issued to the date ending 3 months thereafter. Qualifying purchases must appear on a billing statement without being subject to a purchase credit. Bonus points will be awarded 6-8 weeks after first $1,000 of spend appears on your monthly billing statement. This offer is valid for first-time Blue Sky Preferred Cardmembers only. You may be permitted to have more than one Blue Sky Preferred from American Express® account; however, you are eligible to receive the welcome bonus for only one Blue Sky Preferred from American Express® account. Additional Cardmembers are not eligible.
Points can only be redeemed in the form of a statement credit on eligible travel purchases (which are purchases at airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators, commuter railways & trains and online travel sites billed to your account and submitted by the merchant using the proper industry, merchant or product/service code). Redemption requests must be made within 60 days from the closing date shown on the billing statement on which the travel purchase first appears. Points may only be redeemed in increments of 7,500. Each 7,500-point increment is equal to a statement credit of up to $100, up to the amount of the eligible travel purchase. Additional terms and conditions apply. Subject to applicable law, this benefit and the applicable terms and conditions are subject to change at any time without notice.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 benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico.You will receive reward dollars for eligible purchases. The number of reward dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases made during the billing period. Each eligible purchase shall qualify for a reward of 3, 2, or 1% of the purchase amount as follows: 3% for eligible purchases at supermarkets (excluding superstores and warehouse clubs), 2% for eligible purchases at department stores and for automobile gasoline purchased at stand-alone gas stations, and 1% for all other eligible purchases posted to your account. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem reward dollars for statement credits, or, at our discretion, additional items like merchandise and gift cards, whenever your available reward dollar balance is 25 or more. Additional terms and conditions apply.Offer valid for first-time American Express Cardmembers only. To qualify for the $100 bonus, you must make purchases with your Blue Cash EverydaySM Card from American Express that total $1000 or more within your first 3 months of Cardmembership. The bonus will be awarded in the form of Reward Dollars, which will be added to your Reward Dollar balance 6-8 weeks after the spend threshold is met and can be redeemed at any time at a minimum of 25. Cash advances, balance transfers, interest charges, fees, and the purchase of American Express® Travelers Cheques and American Express Gift Cheques, or other cash equivalents, do not apply. Additional Cardmembers on your account are not eligible for this offer. To receive the $100 bonus, account must be active, in good standing, and not in default at the time the statement credit is posted to your account.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 benefit is a coordination of the service and the Cardmember is responsible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico.Offer valid for first-time Blue Cash Preferred SM from American Express Cardmembers only. To qualify for the $100 bonus, you must make purchases with your Blue Cash Preferred Card from American Express that total $500 or more within your first 60 days of Cardmembership. The bonus will be awarded in the form of reward dollars, which will be added to your reward dollar balance and can be redeemed at anytime at a minimum of $25. Cash advances, balance transfers, finance charges, fees and the purchase of American Express (R) Travelers Cheques and American Express Gift Cheques, or other cash equivalents, do not apply. You may be permitted to have more than one Blue Cash Preferred from American Express account, however, you are eligible to receive the welcome bonus for only one Blue Cash Preferred from American Express account. Additional Cardmembers on your account are not eligible for this offer. To receive the $100 bonus, account must be active, in good standing and not in default at the time the statement credit is posted to your account.You will receive reward dollars for eligible purchases. The number of reward dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases made during the billing period. Each eligible purchase shall qualify for a reward of 6, 3, or 1% of the purchase amount as follows: 6% for eligible purchases at supermarkets (excluding superstores and warehouse clubs), 3% for eligible purchases at department stores and for automobile gasoline purchased at stand-alone gas stations, and 1% for all other eligible purchases posted to your account. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem reward dollars for statement credits, or, at our discretion, additional items like merchandise and gift cards, whenever your available reward dollar balance is 25 or more. Additional terms and conditions apply.You will receive reward dollars for eligible purchases. The number of reward dollars you will receive each billing period is based on a percentage of the dollar amount of your eligible purchases made during the billing period. Each eligible purchase shall qualify for a reward of 6, 3, or 1% of the purchase amount as follows: 6% for eligible purchases at supermarkets (excluding superstores and warehouse clubs), 3% for eligible purchases at department stores and for automobile gasoline purchased at stand-alone gas stations, and 1% for all other eligible purchases posted to your account. Eligible Purchases means purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of American Express Travelers Cheques, purchases or reloading of American Express prepaid cards or purchases of other cash equivalents. You can redeem reward dollars for statement credits, or, at our discretion, additional items like merchandise and gift cards, whenever your available reward dollar balance is 25 or more. Additional terms and conditions apply.Offer valid for first-time American Express Cardmembers only.To qualify for the $150 bonus, you must make purchases with your Blue Cash Preferred Card from American Express that total $1,000 or more within your first 3 months of Cardmembership. The bonus will be awarded in the form of Reward Dollars, which will be added to your Reward Dollar balance and can be redeemed at anytime at a minimum of $25. Cash advances, balance transfers, interest charges, fees and the purchase of American Express (R) Travelers Cheques and American Express Gift Cheques, or other cash equivalents, do not apply. You may be permitted to have more than one Blue Cash Preferred from American Express account, however, you are eligible to receive the welcome bonus for only one Blue Cash Preferred from American Express account. Additional Cardmembers on your account are not eligible for this offer. To receive the $150 bonus, account must be active, in good standing and not in default at the time the statement credit is posted to your account. Please allow 6-8 weeks for the Reward Dollars to post to your account after the spend threshold is reached.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 benefit is a coordination of the service and the Cardmember is responsible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico.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.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 is underwritten by AMEX Assurance Company, Administrative Office, and 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.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.
Check your balance, review recent transactions and pay your bill on the go.
