American Express® Preferred Rewards Gold Card

Ongoing APR: N/A; Due in full each month
Annual Fee: $125.00
Reward Program: Membership Rewards® Points
Credit Line: No pre-set limit*

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The American Express® Preferred Rewards Gold Card makes it easy to manage your finances because it is a charge card rather than a credit card. You'll have the flexibility of no pre-set spending limit and, at the same time, you know you are always in control with the Card because you pay your bill in full each month.*
*See Terms and Conditions

ENJOY EXCLUSIVE ACCESS TO LIFE'S BEST EXPERIENCES
Along with a tradition of world-class Customer Service, the Gold Card comes with impressive benefits, such as special access to great events, unsurpassed personal attention, and the opportunity to earn points toward incredible travel and shopping rewards — letting you enjoy one-of-a-kind experiences. The Membership Rewards® program offers variety and flexibility that can turn your purchases into unforgettable moments, and to turn those moments into stories you'll be telling for years.

EARN POINTS:

• Earn one point for virtually every dollar you spend on your Card
  
• Points have no expiration date and there's no limit to the number of points you can earn.
  
• Opportunities throughout the year allow you to earn additional bonus points that can be used to earn rewards faster.
  

REDEEM POINTS

• Points can be redeemed for incredible rewards from the finest names in travel, shopping, dining, and entertainment.
  
• Transfer points to your frequent flyer or frequent hotel guest account or redeem for a certificate with one of our partner airlines and hotels.
  
• Fly when you want, where you want, on virtually any airline when you redeem points for flights on the American Express Travel website.
  

Fundamentals of the Card:

The Preferred Rewards Gold Card takes you places. And shows you've arrived. Enjoy Gold Card benefits and access while you earn travel rewards fast.

• Earn 10,000 Membership Rewards® bonus points when you spend $500 in 3 months - redeemable for a $100 gift card.
  
• The Membership Rewards® program —Whatever you want to do, this is the rewards program that can help make it happen. Exciting travel, entertainment, shopping, and dining experiences are waiting for you
  
• Gold Card Events—exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide***
  
• Global Assist® Hotline⁴and many more benefits included
  
• No Pre-set Spending Limit****
  

Gold benefits, with exceptional shopping and entertainment rewards
With the American Express® Rewards Gold Card, you'll be a part of our Membership Rewards Options^SM program, which automatically turns your purchases into points you can redeem for your choice of shopping, entertainment, and travel rewards.

What's more, you'll have access to world-class Gold Card Events, Free Shipping and Handling on select online and catalog purchases, a Year End Summary of Charges, our Global Assist Hotline, and much more — all for an annual fee of $90. Up to 5 Additional Cards are available for $35.

The Rewards Gold Card makes it easy to manage your finances because it is a charge card rather than a credit card. You'll have the flexibility of no pre-set spending limit and, at the same time, you know you are always in control with the Card because you pay your bill in full each month. ^{1 2 3}

Buy the things you need. Get rewarded with things you want.

• Earn 1 point for virtually every dollar you spend on Card purchases
  
• Redeem points for rewards from over 50 of the finest names in shopping and entertainment, including Dell™ Computer, Callaway® Golf, and The Sharper Image®
  
• Transfer points into 11 frequent flyer programs — 2 points for 1 airline mile with most programs
  
• Redeem points for travel certificates from 6 of our domestic and international airline partners
  
• Points have no expiration date
  
• There is no limit to the number of points you can earn
  

Gold Card Events
Get your hands on the most sought-after tickets in major cities across the U.S. from concerts and shows, to major league sports —often in advance of public sale, and exclusively for Gold Card, Platinum Card®, and Centurion Card® members. For more information, please call 1-800-448-TIKS (1-800-448-8457), or visit www.americanexpress.com/gce.

Manage Your Card Account Online
You can view up-to-date billing information online, including transactions, charges, payments, and check your Membership Rewards Options account.

Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap — download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

Dedicated Customer Service
American Express® is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Shopping with the Card

Fraud Protection Guarantee
Use the American Express® Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible —just pure protection, so you can shop with confidence.

Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account ⁵

Save in the Offer Zone^SM from American Express
Offers, savings, entertainment, and special events. The Offer Zone puts together great brands, Online Extras^SM, and much more — all in one great place.

Buyer's Assurance
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S. ⁶

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. ⁷

Traveling with the Card

Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, roadside assistance, cash access and more.

Baggage Insurance Plan
Travel in comfort knowing you are covered by the Baggage Insurance Plan when you purchase your Common Carrier tickets on your Card. Coverage is provided for up to $1,250 for carry-on baggage and $500 for checked baggage. ⁸

Emergency Check-In
Emergency Check-In enables a Cardmember to check into a hotel and charge his/her stay with the Card, even if the Card has been lost or stolen.

Assured Reservations
Guarantee all your hotel and motel reservations with your American Express Card account and your room will be waiting for you even if you arrive late. If you have an assured reservation and your room is not available, the hotel or motel will provide you with a comparable room that is nearby, along with transportation to your new location and a 3-minute phone call.

Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements. ⁹

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542.

Travel Accident Insurance
Travel Accident Insurance* provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card. ¹⁰

Emergency Check Cashing
Get access to cash when you need it most, at more than 1,700 American Express Travel Service locations worldwide. You can receive up to $10,000 per account every 30 days in the U.S. and abroad. For details, call 1-800-327-2177. ¹¹


** Once your application for the American Express Preferred Rewards Gold Card is approved, you can earn 10,000 Membership Rewards® bonus points after your first purchase with the card. To be eligible to earn bonus points, you must be enrolled in the Membership Rewards program at the time of purchase and you must charge your purchase on an eligible, enrolled American Express® Preferred Rewards Gold Card. Bonus points will be credited to your Membership Rewards Program account 6-8 weeks after your first purchase. Bonus points may be redeemed for a $100 dollar Gift Card or any reward of equal point-redemption value, or retained for future use. This offer is valid for first-time American Express Preferred Rewards Gold Card members only. You are eligible to receive bonus points for only one Card account. Additional Card members are not eligible. Terms and conditions for the Membership Rewards® program apply. Visit www.americanexpress.com/rewards for more information. Bonus ID 4139

*** Ticket orders may be subject to a service charge. Subject to availability as well as to prior group sales, subscriptions sales, and special ticket holds. Casting, dates and prices subject to change. No refunds or exchanges. Ticket limits may apply. Some Gold Card Events may not be accessible to Card members with disabilities.

**** The American Express Preferred Rewards Gold Card has no preset spending limit which gives you purchasing power that adjusts with your use of the Card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit history, and financial resources known to us.

¹ Ticket orders may be subject to a service charge. Subject to availability as well as to prior group sales, subscriptions sales, and special ticket holds. Casting, dates and prices subject to change. No refunds or exchanges. Ticket limits may apply. Some Gold Card Events may not be accessible to Card members with disabilities.

² While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.

³ Purchases are approved based on a variety of factors including account history, credit record, and personal resources.

⁴ While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.

⁵ Coverage is limited to $300 per item, excluding shipping and handling, and up to a maximum of $1,000 annually per Card Account and is subject to additional Terms, Conditions and Exclusions.

⁶ Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.

⁷ Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.

⁸ American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 and is subject to change with notice. This document does not supplement or replace the Policy.

⁹ Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AXO925 and is subject to change with notice. This document does not supplement or replace the Policy.

¹⁰ Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.

¹¹ Travel Service location transactions are limited to $500 in cash, the balance in American Express® Travelers Cheques. Not all services are available at all Travel Service locations and are subject to local laws and availability.

*See web site for complete terms & conditions