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American Express® Government Corporate Card

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$0 Annual Fee

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Benefits & Protections

Travel Insurance

Purchase Protection

Lost Luggage Coverage

Benefit	Category	Value / Coverage
No Annual Fee The American Express® Government Corporate Card has no annual fee for cardmembers.	Financial	$0 Up to $0
No Foreign Transaction Fees Cardmembers will not incur additional fees on purchases made in foreign currencies.	Financial	0%
No Pre-Set Spending Limit Provides purchasing flexibility with no pre-set spending limit, allowing for large purchases without prior approval, though purchases are approved based on various factors.	Financial	Flexible
Online Account Management Cardmembers can view statements, track spending, and manage their account online 24/7.	Financial	Complimentary
Year-End Summary Provides an annual summary of spending to help with budgeting and expense tracking.	Financial	Complimentary
Baggage Insurance Plan Provides coverage for lost, stolen, or damaged luggage when traveling on a common carrier and the entire fare has been charged to the card.	Insurance	Complimentary
Car Rental Loss and Damage Insurance Provides secondary coverage for damage or theft of a rental car when the eligible rental is paid for with the card.	Insurance	Complimentary
Extended Warranty Extends the original manufacturer's warranty for eligible purchases made with the card.	Insurance	Complimentary
Purchase Protection Covers eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.	Insurance	Complimentary
Travel Accident Insurance Provides coverage for accidental death or dismemberment when traveling on a common carrier and the entire fare has been charged to the card.	Insurance	Complimentary
American Express® Experiences Provides access to exclusive events, presales, and special offers for entertainment, dining, and more.	Lifestyle	Complimentary
Account Alerts Cardmembers can receive alerts for spending, payments, and other account activity to help monitor their account.	Security	Complimentary
Fraud Protection American Express provides robust fraud protection, ensuring cardmembers are not held responsible for fraudulent charges.	Security	Zero Liability
Global Assist® Hotline Provides 24/7 emergency assistance for medical, legal, financial, and other travel-related emergencies when traveling more than 100 miles from home.	Travel	Complimentary

Fees

Annual Fee $0 — No Annual Fee

Foreign Transaction FeeNone

Cash Advance FeeEither $5 or 3% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $39

Returned Payment FeeUp to $39

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 5 cards from this issuer simultaneously.

Shutdown Risk Triggers

Misuse of corporate funds, unauthorized personal expenses, violation of employer's expense policy, fraudulent activity. While less common for corporate cards, unusual spending patterns or activities resembling manufactured spending could trigger review. High cumulative credit limit is generally managed at the corporate level and less of an individual trigger.

Cliff Effect Rules

N/A. This rule primarily applies to personal consumer card families (e.g., Platinum, Gold, Green) and is not applicable to corporate cards.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

Eligibility for the American Express Government Corporate Card is determined by the cardholder's employer (a government entity) based on their role and need for official expenses; individual application without employer sponsorship is not possible. Corporate cards typically do not offer individual welcome bonuses, so the 'one welcome bonus per card per lifetime' rule primarily applies to personal consumer cards. Similarly, the 'Max 2 credit card approvals every 90 days' rule applies to personal consumer credit card applications, not corporate card issuance.

Military & Hardship

MLA Compliant

Complies with the Military Lending Act (36% APR cap for active duty servicemembers).

Hardship Program

Hardship program available.

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American Express® Government Corporate Card

Benefits & Protections

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