| Category | Rate | Type | Cap |
|---|---|---|---|
|
Purchases of $5,000 or more
On eligible purchases of $5,000 or more, with the 0.5x bonus capped at 1 million additional points per calendar year.
|
1.5x | Points | $2,000,000/yr |
|
All Other Purchases
On all other eligible purchases, including purchases of $5,000 or more after the annual cap for the 1.5x rate is reached.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
$12.95 Equinox+ Credit
Receive up to $12.95 in statement credits monthly for an Equinox+ digital fitness app membership (enrollment required).
|
Credits |
$12.95/month
Up to $13
|
|
$120 Wireless Credit
Receive up to $10 in statement credits monthly (up to $120 annually) for eligible purchases made directly with U.S. wireless telephone providers.
|
Credits |
$120/year
Up to $120
|
|
$150 Adobe Credit
Receive up to $150 in statement credits annually for eligible purchases of Adobe Creative Cloud and Acrobat Pro plans (enrollment required).
|
Credits |
$150/year
Up to $150
|
|
$150 Dell Technologies Credit
Receive up to $150 in statement credits annually for eligible U.S. purchases with Dell Technologies (enrollment required).
|
Credits |
$150/year
Up to $150
|
|
$189 CLEAR® Plus Credit
Receive up to $189 in statement credits per calendar year for a CLEAR Plus membership, which provides expedited security screening at participating airports and stadiums.
|
Credits |
$189/year
Up to $189
|
|
$200 Airline Fee Credit
Receive up to $200 in statement credits per calendar year for incidental fees, such as checked bags or in-flight refreshments, charged by one selected qualifying airline.
|
Credits |
$200/year
Up to $200
|
|
$200 Hotel Credit
Receive up to $200 in statement credits per calendar year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings made through Amex Travel.
|
Credits |
$200/year
Up to $200
|
|
$360 Indeed Credit
Receive up to $90 in statement credits per quarter (up to $360 annually) for eligible Indeed purchases (enrollment required).
|
Credits |
$360/year
Up to $360
|
|
Global Entry or TSA PreCheck Credit
Receive a statement credit of up to $100 every 4 years for the application fee for Global Entry or up to $85 every 4.5 years for the application fee for TSA PreCheck.
|
Credits |
Up to $100 every 4 years
Up to $100
|
|
Connect to QuickBooks
Easily categorize and reconcile transactions by connecting your account to QuickBooks for streamlined expense management.
|
Financial | Complimentary |
|
Employee Business Platinum Cards
Add up to 99 Employee Business Platinum Cards with no annual fee, allowing employees to earn rewards and access benefits.
|
Financial | No annual fee for up to 99 cards |
|
No Foreign Transaction Fees
No foreign transaction fees on purchases made abroad.
|
Financial |
0%
Up to $0
|
|
Spend Manager
Tools to track, categorize, and manage business expenses, providing insights into spending patterns.
|
Financial | Complimentary |
|
Vendor Pay by Bill.com
Streamline payments to vendors and manage cash flow efficiently through integration with Bill.com.
|
Financial | Complimentary |
|
Baggage Insurance Plan
Coverage for lost, damaged, or stolen baggage for eligible trips. Up to $2,000 for checked baggage and up to $3,000 for carry-on baggage.
|
Insurance |
Up to $3,000
Up to $3,000
|
|
Car Rental Loss and Damage Insurance
Provides secondary coverage for damage to or theft of an eligible rental vehicle when you decline the rental company's collision damage waiver.
|
Insurance |
Up to $75,000
Up to $75,000
|
|
Cell Phone Protection
Coverage for repair or replacement costs if your eligible cell phone is stolen or damaged. Up to $800 per claim, with a maximum of 2 claims per 12-month period and a $50 deductible.
|
Insurance |
Up to $800 per claim
Up to $800
|
|
Extended Warranty
Extends the original manufacturer's warranty by up to one additional year on eligible purchases with warranties of five years or less. Up to $10,000 per item, with a maximum of $50,000 per account per calendar year.
|
Insurance |
Up to 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 $10,000 per occurrence, with a maximum of $50,000 per account per calendar year.
|
Insurance |
Up to $10,000 per occurrence
Up to $10,000
|
|
Trip Cancellation & Interruption Insurance
Coverage for non-refundable travel expenses if a covered trip is canceled or interrupted for eligible reasons. Up to $10,000 per trip, with a maximum of $20,000 per 12-month period.
|
Insurance |
Up to $10,000 per trip
Up to $10,000
|
|
Trip Delay Insurance
Coverage for eligible expenses, such as meals and lodging, when a covered trip is delayed for more than 6 hours. Up to $500 per trip, with a maximum of 2 claims per 12-month period.
|
Insurance |
Up to $500 per trip
Up to $500
|
|
Business Platinum Travel Service
Access to dedicated travel counselors who can assist with booking flights, hotels, and car rentals.
|
Lifestyle | Complimentary |
|
Concierge Service
24/7 personalized assistance for reservations, event tickets, gift recommendations, and more.
|
Lifestyle | Complimentary |
|
1.5x Membership Rewards Points on Large Purchases
Earn 1.5 Membership Rewards points for every dollar spent on eligible purchases of $5,000 or more, up to 1 million additional points per calendar year.
|
Rewards | 1.5x points on purchases $5,000+ |
|
1x Membership Rewards Points on Other Purchases
Earn 1 Membership Rewards point for every dollar spent on all other eligible purchases.
|
Rewards | 1x points |
|
5x Membership Rewards Points on Flights
Earn 5 Membership Rewards points for every dollar spent on eligible flights booked through amextravel.com.
|
Rewards | 5x points |
|
5x Membership Rewards Points on Prepaid Hotels
Earn 5 Membership Rewards points for every dollar spent on eligible prepaid hotels booked through amextravel.com.
|
Rewards | 5x points |
|
Account Alerts
Receive alerts for suspicious activity, large purchases, or important account updates.
|
Security | Complimentary |
|
Dispute Resolution
Assistance with resolving billing disputes for eligible charges.
|
Security | Complimentary |
|
Fraud Protection
Enjoy zero fraud liability, meaning you are not responsible for unauthorized purchases.
|
Security | Zero liability |
|
Return Protection
If a merchant won't accept an eligible item for return within 90 days of purchase, American Express may refund the full purchase price. Up to $300 per item, with a maximum of $1,000 per account per calendar year.
|
Shopping |
Up to $300 per item
Up to $300
|
|
ShopRunner Membership
Complimentary ShopRunner membership, providing free 2-day shipping and free returns at participating online stores (enrollment required).
|
Shopping | Complimentary |
|
Fine Hotels + Resorts Program Benefits
Access to benefits at over 1,300 properties worldwide when booking through Amex Travel, including early check-in, late check-out, room upgrade upon arrival (when available), daily breakfast for two, and a unique property amenity.
|
Travel | Complimentary |
|
Global Lounge Collection Access
Complimentary access to a network of airport lounges, including The Centurion Lounge, Priority Pass Select (enrollment required), Delta Sky Club (when flying Delta), Plaza Premium Lounges, Escape Lounges, Lufthansa Lounges, and International American Express Lounges.
|
Travel | Complimentary |
|
Hilton Honors Gold Status
Enroll to receive complimentary Gold status with Hilton Honors, offering benefits like complimentary breakfast and space-available room upgrades.
|
Travel | Complimentary Gold Status |
|
Marriott Bonvoy Gold Elite Status
Enroll to receive complimentary Gold Elite status with Marriott Bonvoy, offering benefits like enhanced room upgrades and late checkout (when available).
|
Travel | Complimentary Gold Elite Status |
|
Premium Private Jet Program
Access to discounted rates and benefits with Wheels Up, a leading private aviation company.
|
Travel | Discounted rates |
|
The Hotel Collection Benefits
Receive a room upgrade upon arrival (when available) and a $100 experience credit to use on qualifying dining, spa, or resort activities when booking a minimum two-night stay through Amex Travel.
|
Travel | Complimentary |
