Earn rich rewards and get superior travel and lifestyle benefits with this chip-enhanced Card.
EXTRAORDINARY TRAVEL REWARDS
*The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
We may change APRs, fees and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.
1 Rewards points: You will earn 1 reward point (“point”) for each dollar of net purchases (purchases minus credits and returns) charged to your account during each billing cycle. You will also earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: hotels and restaurants. In addition, you will earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant’s code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. In addition, a purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account is unlimited.
2 Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
3 Save 10% on up to one round trip airline ticket with your Travel Rewards American Express® Card. Offer only valid on airline travel within the 48 contiguous states where the Cardmember is the primary traveler. Airfare must be booked through Amexconnect.com/mycardbenefits or Concierge Travel Services and paid for entirely using your Travel Rewards American Express® Card. The 10% discount will be applied to the lowest available ticket price. No blackout dates, no minimum prices and unlimited use. Certain exclusions, restrictions and limitations apply.
4 Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.