%%=ContentAreaByName("shared items\shared contents\Templates\2018_Standard\Consumer\HTML_cons_header")=%%
4x membership reward points are just beginning

Designed to do what a business card should:
help meet your business needs
The buisness gold card

Annual fee of $295
Rates & Fees
bg image
youve been approved to earn up to 35,000 points
bg image
youve been approved to earn up to 35,000 points

after you spend $5,000 in qualifying purchases on the Card within your first 3 months of Card Membership. Apply now. Offer expires on 6/30/2021.1


 4X Points
                                          Each month, you’ll automatically get 4X points on the top two categories where you spend the most, on up to $150,000 in combined purchases from these categories per calendar year. Plus, earn 1X points on other purchases.

                                          Pay Over Time Option
                                          Pay your balance in full each month or choose to pay over time with interest, giving you added payment flexibility.

                                          Here’s how it works
                                          Eligible purchases of $100 or more are eligible to be paid over time, up to the amount of your Pay Over Time limit on your account. You can choose to pay for these purchases over time with interest, or you can pay your full balance, whichever is best for your business. All purchases under $100 are due in full each month.

                                          25% Points Back
                                          When you’re ready to travel, you can get 25% points back when you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.
bg image
youve been approved to earn up to 35,000 points
bg image
the card that comes with business solutions
Separate your business and personal expenses.
Save time with powerful expense management tools. Access the American Express® Business App5, receive a Year-End Summary6, and more.
Keep things simple with one login for both Cards.
%%=ContentAreaByName("shared items\shared contents\Templates\2018_Standard\Consumer\HTML_cons_footer")=%%
%%=ContentAreaByName("shared items\shared contents\Templates\2018_Standard\HTML_disclosure")=%%

Terms and Conditions

1. To be eligible to earn additional points, you must charge $5,000 (the "Threshold Amount") of eligible purchases* during the first 3 months of membership on an eligible American Express® Business Gold Card from American Express OPEN. Eligible purchases can be made by the Basic Card Member and any Additional Card Members on a single Card Account. Limit one offer per Card Account. Offer may not be combined with any other special offer. Your Card account must not be canceled or past due at the time of fulfillment of any offers. The 35,000 points will be credited to your Membership Rewards account 8-12 weeks after you have met the Threshold Amount.

If we in our sole discretion determine that you have engaged in abuse, misuse, or gaming in connection with the welcome offer in any way or that you intend to do so (for example, if you applied for one or more cards to obtain a welcome offer(s) that we did not intend for you; if you cancel or downgrade your account within 12 months after acquiring it; or if you cancel or return purchases you made to meet the Threshold Amount), we may not credit Membership Rewards points to, we may freeze Membership Rewards points credited to, or we may take away Membership Rewards points from your account. We may also cancel this Card account and other Card accounts you may have with us.

If your application is not received by 6/30/2021, we will not process your application even if we later receive your application. American Express reserves the right to modify or revoke offer at any time.

You can earn 35,000 additional points after you spend $5,000 or more in qualifying purchases on your Card within your first 3 months of Card Membership starting from the date your account is approved. In rare instances, your period to spend $5,000 may be shorter than 3 months if there is a delay in receiving your Card. Also, purchases may fall outside of the 3 month period in some cases, such as a delay in merchants submitting transactions to us or if the purchase date differs from the date you made the transaction. (For example, if you buy goods online, the purchase date may be the date the goods are shipped). The 35,000 additional points will be credited to your Membership Rewards account 8-12 weeks after you have met the purchase requirement.

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to www.membershiprewards.com/pointsinfo.

*Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of traveler's checks, purchases or reloading of prepaid cards, purchases of gift cards, person-to-person payments, or purchases of any cash equivalents.

2. How the 4X Points Benefit Works
With your American Express® Business Gold Card, you get at least one Membership Rewards® point for each dollar you spend on your Card for eligible purchases. You also get 3 additional points per dollar (for a total of 4 points), on the 2 categories (of 6) where you spend the most each billing cycle, up to the first $150,000 in combined eligible purchases from these 2 categories each calendar year. Eligible purchases in excess of $150,000 in a calendar year will receive only one point per dollar spent.

Determining Your Top 2 Categories
To calculate your top 2 categories each billing cycle, we use your posted account transactions that fall into the 6 categories below and issue additional points based on your 2 highest categories of total spend less returns and credits in that same billing cycle. You will only earn 3 additional points in 2 categories each billing cycle even if you have equal spend in more than 2 categories. The 6 categories that qualify for additional points are: (1) airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded); (2) advertising purchased in the U.S. to promote your business online, on television, or on the radio; (3) computer hardware, software, and cloud computing purchases in the U.S. made directly from select technology providers (the current list of select technology providers is available at: americanexpress.com/rewards-info); (4) gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); (5) restaurants located in the U.S.; and (6) shipping services purchased in the U.S. for courier, postal, and freight.

General Terms
Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. A purchase will not receive additional points if the merchant's code is not eligible. Purchases made through third-parties (including resellers and online marketplaces) or through a third party payment account will not receive additional points. A purchase may not receive additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

3. Eligible Charges
A charge made by you or any additional Card Member on your account is eligible to be paid over time if it is equal to or more than $100 and is approved by us. The following types of charges are ineligible for the Pay Over Time option: Cash and Express Cash, American Express® Travelers Cheques and other cash equivalents, casinos and other gambling transactions, any fees owed to American Express except foreign transaction fees, and other transactions designated by us.

Pay Over Time Settings
The Pay Over Time option on your account is initially set to On. When set to On, eligible charges will be automatically placed in your Pay Over Time balance.

You may alternate between On and Off settings. When turned Off, no new charges will be included in your Pay Over Time balance. You can change this setting by calling the number on the back of your Card.

Interest on Your Pay Over Time Balance
For transactions added to your Pay Over Time balance, we will charge interest beginning on the date of each transaction. We will not charge interest on charges added to your Pay Over Time balance if you pay the Account Total New Balance by the due date each month.

You must pay at least the Minimum Payment Due by the Payment Due Date each month. The Minimum Payment Due includes all Pay In Full charges, any interest accrued on your account and a portion of your Pay Over Time balance.

Pay Over Time limit
We assign a Pay Over Time limit to your Account. We will not place any charge into a Pay Over Time balance if it causes your Pay Over Time balance to go over your Pay Over Time limit. A charge may be ineligible to be paid over time even if it would not cause your Pay Over Time balance to exceed the Pay Over Time limit. We may increase or decrease the amount of your Pay Over Time limit and will tell you if we change that amount. Your Pay Over Time limit is the amount you may carry as a balance. This limit may be different than the total amount you are allowed to spend on your Card.

4. To use Pay with Points, you must charge your eligible airfare purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Points must be used at the time of booking. Pay with Points requires a minimum redemption of 5,000 points.

Business Gold Card Members will receive 2.5 extra points for every 10 points they redeem for either a First or Business class flight on any airline, or for flights with their selected qualifying airline using Membership Rewards Pay with Points through American Express Travel (25% Airline Bonus), up to 250,000 bonus points per calendar year, per each Membership Rewards account. For First or Business class flights on a Card Member's selected qualifying airline, the Card Member will still receive only 2.5 extra points for every 10 points redeemed. Card Member must select a qualifying airline at https://global.americanexpress.com/card-benefits/detail/airlinechoice/business-gold. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at https://global.americanexpress.com/card-benefits/detail/airline-choice/business-gold or by calling the number on the back of their Card. Card Members who do not change their airline selection will remain with their current airline.

If you select Spirit Airlines, Southwest Airlines, or AirTran Airways, to receive your 25% Airline Bonus you must call American Express Travel and Lifestyle Services at 1-800-428-0253.

A flight booked as part of a travel package or booked with the American Express U.S. Representative Travel Network is not eligible for the 25% Airline Bonus. In addition, to be eligible to receive extra points, Card account(s) must not be canceled or past due at the time of extra points fulfillment. If booking is canceled, the extra points will be deducted from your Membership Rewards account. Extra points will be credited to your Membership Rewards account approximately 6-10 weeks after eligible airfare purchases appear on your billing statement. See membershiprewards.com/terms for Membership Rewards program terms and conditions. This 25% Airline Bonus is the maximum Membership Rewards points you can get back for Pay with Points on flights booked through American Express Travel. Bonus ID: B4JN

American Express Travel Related Services Company, Inc.,when acting solely as a sales agent for travel suppliers, is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/travelterms California CST#1022318, Washington UBI#600-469-694, Iowa TA#669.

5. The American Express® Business App is available with American Express Business and Corporate Cards. Functionality may differ based on Card product or program. American Express is not responsible for the completeness or accuracy of receipts displayed. Receipts will be stored until the earliest of the following: (1) seven years from the end of the calendar year that the receipt was uploaded or (2) the date that your online account is closed. American Express reserves the right to delete or purge receipts for any reason in its sole discretion, with or without notice. The Amex® Business App is available on the App Store® and Google Play™. Apple, the Apple logo and iPhone are trademarks of Apple, Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

6. The Online Year-End Summary, typically available in January, reflects charges posted to your account from January 1st through December 31st of the prior year.

American Express Customer Service Department
P.O. Box 981535 | El Paso, TX 94998-1535

©2020 American Express National Bank