| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Eligible Purchases
On up to $50,000 in eligible purchases per calendar year
|
2x | Cash Back | $50,000/yr |
|
All Other Purchases
On eligible purchases after the $50,000 annual cap is met
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
0% Intro APR on Purchases
Enjoy a 0% introductory APR on purchases for 12 months from the date of account opening, then a variable APR applies.
|
Financial | 0% for 12 months |
|
Complimentary Employee Cards
Get employee cards at no additional cost, allowing employees to make purchases and contribute to cash back earnings.
|
Financial |
Complimentary
Up to $0
|
|
Employee Card Spending Limits
Set individual spending limits for employee cards to control business expenses and monitor spending.
|
Financial | Customizable |
|
No Annual Fee
There is no annual fee for this card.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
Avoid foreign transaction fees when making purchases outside of the United States.
|
Financial |
0%
Up to $0
|
|
Online Account Management
Manage your account online, track spending, and access statements conveniently through the American Express online portal.
|
Financial | Complimentary |
|
QuickBooks Integration
Easily connect your account to QuickBooks to streamline expense tracking and financial management for your business.
|
Financial | Complimentary |
|
Car Rental Loss and Damage Insurance
Provides secondary coverage for eligible rental car damage or theft when you use your card to reserve and pay for the entire rental and decline the collision damage waiver offered by the rental company.
|
Insurance | Secondary Coverage |
|
Extended Warranty
Adds up to one additional year to the original manufacturer's warranty on eligible purchases with a warranty of five years or less, up to $10,000 per item and $50,000 per card member account per calendar year.
|
Insurance |
Up to $10,000 per item, 1 additional year
Up to $10,000
|
|
Purchase Protection
Covers eligible purchases against accidental damage or theft for up to 90 days from the purchase date, up to $1,000 per occurrence and $50,000 per card member account per calendar year.
|
Insurance |
Up to $1,000 per item, 90 days
Up to $1,000
|
|
1% Cash Back on Eligible Purchases (after cap)
Earn 1% cash back on all eligible purchases after the $50,000 cap is reached in a calendar year.
|
Rewards | 1% cash back |
|
2% Cash Back on Eligible Purchases
Earn 2% cash back on all eligible purchases up to $50,000 per calendar year.
|
Rewards | 2% cash back (up to $50,000/year) |
|
Automatic Cash Back Redemption
Cash back earned is automatically credited to your statement, simplifying redemption.
|
Rewards | Automatic |
|
Account Alerts
Receive alerts for suspicious activity, large purchases, or when your balance is high, helping you monitor your account.
|
Security | Customizable |
|
Fraud Protection
American Express's fraud protection means you're not held responsible for unauthorized charges.
|
Security | Zero Liability |
|
Amex Offers
Access personalized offers for discounts and bonus rewards on shopping, dining, travel, and more with enrolled merchants.
|
Shopping | Varies |
|
Global Assist Hotline
Provides 24/7 emergency assistance and coordination services when you travel more than 100 miles from home, including medical, legal, and travel-related referrals.
|
Travel | 24/7 Assistance |
