Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 9 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122726 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 7 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR128 Page 2 of 2 FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 6 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).How Your Reward Program Works
Appears in 5 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for each additional Delta Reserve card. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 5 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Each Additional Platinum Card is $195 annually, and each Companion Platinum Card is $0 annually. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1176433 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 5 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxx Xxxxxxx Blue Cash Preferred® American Express Card How you earn reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Xxxxxx Xxxxxxx Blue Cash Preferred Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, • purchases of any cash equivalents, or • person-to-person transactions. You will earn a reward of: • 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services aren't considered supermarkets); • 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; • 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); • 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and • 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: • a merchant uses a third-party to sell their products or services; or • a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or • you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. When you use will not earn reward dollars How you can redeem reward dollars You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account (or you sign or keep the card), you agree within 3 days and will apply to the terms billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar Credits for eligible purchases will reduce the Agreementnumber of reward dollars you earn. Changing the Agreement We may change this Agreementredemptions will receive an equivalent statement credit amount (e.g., subject 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to applicable law. We may do this in response time we may, at our option, offer you other ways to the businessredeem reward dollars, legal such as for gift cards or competitive environment. This written Agreement is a final expression of the agreement governing the Accountmerchandise. The written Agreement may not be contradicted by any alleged oral agreementminimum redemption is 25 reward dollars. We You cannot increase redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. The Reward Dollars Summary The reward dollars shown on your billing statement under the interest rate on existing balances except in limited circumstancesheading Reward Dollars Summary is only for informational purposes. Changes It does not show the actual reward dollars that you may be entitled to some terms may require 45 days advance noticereceive. For example, and we will tell a credit for eligible purchases posted to your Card Account can lower the reward dollars shown. Program Eligibility The Xxxxxx Xxxxxxx Blue Cash Preferred® Card is only available to you in the notice if you have the right an eligible account with Xxxxxx Xxxxxxx Xxxxx Xxxxxx LLC or its eligible affiliates, including but not limited to reject E*TRADE Securities LLC (Xxxxxx Xxxxxxx). An eligible account is a change. We cannot change certain terms during the first year of brokerage account with Xxxxxx Xxxxxxx (i) held in your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).name,
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Gold American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Gold American Express Card (AgreementCard Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 1 additional mile (a total of 2) for the Account identified on page each $1 of Part 1. Any supplements or amendments eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are also part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the AgreementUnited States. Superstores and warehouse clubs are not considered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you use will forfeit miles If the Account (or you sign or keep Minimum Payment Due is not paid by the card)Payment Due Date of the billing period in which it is due, you agree to will forfeit the terms of miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement minimum payment for that billing period is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate due on existing balances except in limited circumstances. Changes to some terms may require 45 days advance noticeFebruary 10, and we you do not make that minimum payment due by the due date on February 10, then you will tell you not earn miles for purchases in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).billing period ending February
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122726 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional Points You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status Other things you should know about this program You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit XxxxxxXxxxxx.xxx/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Preferred® How you earn reward dollars You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Preferred® Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during a number of reward dollars you earn. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How you can redeem reward dollars You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. reward dollars The Reward Dollars The reward dollars shown on your billing statement If a credit to your Card Account places your Summary under the heading Reward Dollars Summary is only eligible purchases in a negative status, the for informational purposes. It does not show the Reward Dollars Summary on your billing actual reward dollars that you may be entitled to statement will show a negative balance. It will receive. For example, a credit for eligible purchases continue to show a negative balance until you posted to your Card Account can lower the reward accumulate eligible purchases exceeding the dollars shown. negative eligible purchases. Other things you should You will only receive rewards for eligible purchases We may change the terms of this program at our know about this program for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Gold American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Gold American Express Card (AgreementCard Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 1 additional mile (a total of 2) for the Account identified on page each $1 of Part 1. Any supplements or amendments eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are also part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the AgreementUnited States. Superstores and warehouse clubs are not considered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you use will forfeit miles If the Account (or you sign or keep Minimum Payment Due is not paid by the card)Payment Due Date of the billing period in which it is due, you agree to will forfeit the terms of miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement minimum payment for that billing period is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate due on existing balances except in limited circumstances. Changes to some terms may require 45 days advance noticeFebruary 10, and we you do not make that minimum payment due by the due date on February 10, then you will tell you not earn miles for purchases in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).billing period ending February
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works American Express Cash Magnet® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Cash Magnet Card (Card Account). The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to Initiation This fee is on the Rates and Fees Table on page 1 of Part 1. This fee is a purchase balance, unless we tell you otherwisefinance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $5,000 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. You may have up to 2 additional Centurion Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122726 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Aspire Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Aspire Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional Points You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and ● purchases directly from select major car rental companies listed at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Weekend Night Reward Other things you should know about this program If the total eligible purchases on your Card Account reach $60,000 or more during a calendar year, you will receive a Weekend Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases towards a Weekend Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Weekend Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Weekend Night Reward. The Weekend Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122761 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for 1 additional Platinum Card, we will charge $175 for up to 3 more after the 1st additional Platinum Card, then we will charge $175 for each additional Platinum Card after the 4th card, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxxx Xxxxxx Investor Credit Card® from American Express Things you should know about this program The Xxxxxxx Xxxxxx Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your Xxxxxxx Xxxxxx Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is Xxxxxxx Xxxxxx will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your Xxxxxxx contact Xxxxxxx Xxxxxx. Schwab Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer offer. or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works American Express Cash Magnet® Card How you earn reward dollars You will earn Reward Dollars (reward dollars) for eligible purchases on your Cash Magnet Card (Card Account). The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during number of reward dollars you earn. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How you can redeem reward dollars You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. reward dollars The Reward Dollars Summary The reward dollars shown on your billing statement under the heading Reward Dollars Summary is only for informational purposes. It does not show the actual reward dollars that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the reward dollars shown. If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should You will only receive rewards for eligible We may change the terms of this program at our know about this program purchases for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122669 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 4 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Blue Cash Everyday® Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 3% on the first $6,000 of eligible U.S. online retail purchases in a calendar year (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases); ● 3% on the first $6,000 of eligible purchases in a calendar year of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the reward dollars purchases posted to your Card Account during a number of reward dollars you earn. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How you can redeem reward dollars You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. The Reward Dollars The reward dollars shown on your billing statement If a credit to your Card Account places your Summary under the heading Reward Dollars Summary is only eligible purchases in a negative status, the for informational purposes. It does not show the Reward Dollars Summary on your billing actual reward dollars that you may be entitled to statement will show a negative balance. It will receive. For example, a credit for eligible purchases continue to show a negative balance until you posted to your Card Account can lower the reward accumulate eligible purchases exceeding the dollars shown. negative eligible purchases. Other things you should You will only receive rewards for eligible purchases We may change the terms of this program at our know about this program for personal, family or household use. discretion. If you violate or abuse this program, Reward dollars are redeemable for rewards as you may forfeit some or all of your accrued reward dollars. described above, they are not cash. CMAEUPSP0000223 Page 4 of 4 FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Preferred® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Preferred® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott Bonvoy Brilliant® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded). You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. CMAENPSP0000245 Page 3 of 4 Elite Status You will receive complimentary Marriott Bonvoy You will not receive enrollment in Platinum Elite if Platinum Elite (Platinum Elite) Status with your you are already enrolled in the same Status or any Marriott Bonvoy Brilliant American Express Card. higher Status. This complimentary Platinum Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Platinum Elite Status provided with the Card will be cancelled. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott Bonvoy® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy® American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Silver Elite (Silver Elite) Status with your Marriott Bonvoy American Express Card. This complimentary Silver Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Silver Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Gold Elite (Gold Elite) based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $35,000 or more, you will be enrolled for at least 12 months in the Gold Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Gold Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Gold Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Each Additional Platinum Card is $195 annually, and each Companion Platinum Card is $0 annually. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part CMAEUFEEPAPR103 Page 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up 4 Supplement to the Cardmember Agreement How Your Reward Program Works Platinum Card® from American Express Exclusively for Xxxxxxx Xxxxxx Things you should know about this program Schwab Appreciation Bonus The Platinum Card® from American Express Exclusively for Xxxxxxx Xxxxxx is only available to you if you maintain an eligible account at Schwab. An eligible account means either (Agreement1) for a Schwab One® or Schwab General Brokerage Account held in your name or in the Account identified on page 1 name of Part 1a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Any supplements or amendments are also part of the AgreementEligibility is subject to change. When you use the Account (or you sign or keep the card), you agree This benefit is only available to the terms Basic Card Member on the Card Account and will be awarded based on either: 1) the Basic Card Member's membership in Schwab Private Wealth Services or 2) the Basic Card Member's Qualifying Schwab Holdings, in each case as described below. Basic Card Members may only receive one Schwab Appreciation Bonus each year of the AgreementCard Membership. Changing the Agreement We may change this AgreementSchwab Appreciation Bonus Measurement Dates Your membership in Schwab Private Wealth Services, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not Qualifying Schwab Holdings will be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 measured within five business days advance notice, after (a) Card Account approval and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during (b) the first year calendar day of your Cardmembershipannual Card Account renewal month (each date, a "Measurement Date"). Words we use in the Agreement About using your card We, us, and our mean the issuer shown Schwab Appreciation Bonus Amounts If on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).Measurement Date either:
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4038. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 53% of the cash advance transaction withdrawal and other services you obtain (including fees any fee charged by the ATM operator, if any), with a minimum of $105. We will add this fee to the Cash Advance cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).How Your Reward Program Works
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR128 Page 2 of 2 FDR 1122766 1122723 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Platinum American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Platinum American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages You receive 2 additional miles (a total of 3) for each $1 of eligible purchases on your Card Account charged directly with hotels worldwide (excluding timeshares, banquets, and events). You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the United States. Superstores and warehouse clubs are not considered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. How you can receive a Status BoostTM award of Medallion Qualification Miles each calendar year You may receive a Status BoostTM award of Medallion Qualification Miles (MQMs) based on your eligible purchases for the calendar year. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means in your first year as a Card Member you may have fewer months to accumulate eligible purchases. The eligible purchases required to receive these awards are shown below. Annual Eligible Purchases MQMs Awarded $25,000 10,000 MQMs $50,000 or more An additional 10,000 MQMs Status BoostTM Restrictions You can only earn two Status Boost awards for each Card Account. In addition, if you have more than one consumer Platinum Card Account linked to the same SkyMiles account, you are eligible for only two Status Boost awards (one per threshold) each calendar year. Eligibility for Delta's Medallion Status is not based on MQMs alone. Delta SkyMiles members can qualify for Medallion Status through a combination of miles or segments flown and annual spending. For more information about the requirements for Medallion Status, please visit xxxxx.xxx. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to Delta's program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4038. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 53% of the cash advance transaction withdrawal and other services you obtain (including fees any fee charged by the ATM operator, if any), with a minimum of $105. We will add this fee to the Cash Advance cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for the first 5 additional cards, we will charge $35 for each additional card thereafter. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122726 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Everyday® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 2% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 2% on eligible purchases at select major department stores located in the U.S. (The current list of select major department stores at which you can earn a 2% reward is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant’s code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR128 Page 2 of 2 FDR 1122766 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Card How you receive Points How you receive additional Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the or more. calendar year in which it was earned and the A calendar year is from January 1 to December 31 regardless of when you open your Card Account. subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless Other things you should You will receive Points only for eligible purchases know about this program intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit XxxxxxXxxxxx.xxx/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Surpass® Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional Points You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status You will receive complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases made on your Card Account during a calendar year reach $40,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Diamond status to become effective. Your upgrade to Diamond status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Diamond status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Diamond status, or if you qualify for Diamond status under the Hilton Honors program terms. Visit XxxxxxXxxxxx.xxx/xxxxxxxxxxxxxx for more information. Hilton Honors Weekend Night Reward Other things you should know about this program If the total eligible purchases on your Card Account reach $15,000 or more during a calendar year, you will receive a Weekend Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases toward a Weekend Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Weekend Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Weekend Night Reward. The Weekend Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. The first Additional Platinum Card is $0 annually, each Additional Platinum Card after the first Card is $195 annually, and each Companion Platinum Card is $0 annually. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How the Reward Program Works Platinum Card® from American Express exclusively for Xxxxxx Xxxxxxx Program Eligibility The Platinum Card from American Express exclusively for Xxxxxx Xxxxxxx is only available to you if you have an eligible account with Xxxxxx Xxxxxxx Xxxxx Xxxxxx LLC (Xxxxxx Xxxxxxx). An eligible account is a brokerage account with Xxxxxx Xxxxxxx (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non- operating limited liability company, a non- operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card from American Express exclusively for Xxxxxx Xxxxxxx to (1) an eligible Xxxxxx Xxxxxxx client who is an individual; and (2) an individual associated with an eligible Xxxxxx Xxxxxxx client (if the eligible Xxxxxx Xxxxxxx client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible account. CMAEUPSP0000229 Page 3 of 3 FDR 1122766 1176433 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott Bonvoy BevyTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Bevy™ American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. On the first $15,000 of eligible purchases per calendar year, you receive 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide and 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at supermarkets located in the United States. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Gold Elite (Gold Elite) Status with your Marriott Bonvoy Bevy American Express Card. This complimentary Gold Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Gold Elite Status provided with the Card will be cancelled. Only the Basic Cardmember will be enrolled. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. (Marriott). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 3 contracts
Samples: Cardmember Agreement, Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxxx Xxxxxx Investor Credit Card® from American Express Things you should know about this program The Xxxxxxx Xxxxxx Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your Xxxxxxx Xxxxxx Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is Xxxxxxx Xxxxxx will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your Xxxxxxx contact Xxxxxxx Xxxxxx. Schwab Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122766 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Blue American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Blue American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to Delta's program. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Everyday® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 3% on the first $6,000 of eligible U.S. online retail purchases in a calendar year (purchases made at restaurants, supermarkets, gasoline stations, or automotive dealers, as well as purchases of travel, entertainment, or other services are not considered retail purchases); ● 3% on the first $6,000 of eligible purchases in a calendar year of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Blue American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Blue American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to Delta's program. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Aspire Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Aspire Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional Points You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and ● purchases directly from select major car rental companies listed at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Weekend Night Reward Other things you should know about this program If the total eligible purchases on your Card Account reach $60,000 or more during a calendar year, you will receive a Weekend Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases towards a Weekend Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. The Weekend Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Weekend Night Reward. The Weekend Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR128 Page 2 of 2 FDR 1122766 1122687 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott Bonvoy BevyTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Bevy™ American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. On the first $15,000 of eligible purchases per calendar year, you receive 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide and 2 additional Points (for a total of 4 Points) for each $1 dollar of eligible purchases on your Card Account charged at supermarkets located in the United States. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Gold Elite (Gold Elite) Status with your Marriott Bonvoy Bevy American Express Card. This complimentary Gold Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Gold Elite Status provided with the Card will be cancelled. Only the Basic Cardmember will be enrolled. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. (Marriott). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1176433 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for 1 additional Platinum Card, we will charge $175 for up to 3 more after the 1st additional Platinum Card, then we will charge $175 for each additional Platinum Card after the 4th card, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How the Reward Program Works Platinum Card® from American Express exclusively for Xxxxxx Xxxxxxx Program Eligibility The Platinum Card from American Express exclusively for Xxxxxx Xxxxxxx is only available to you if you have an eligible account with Xxxxxx Xxxxxxx Xxxxx Xxxxxx LLC (Xxxxxx Xxxxxxx). An eligible account is a brokerage account with Xxxxxx Xxxxxxx (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non- operating limited liability company, a non- operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card from American Express exclusively for Xxxxxx Xxxxxxx to (1) an eligible Xxxxxx Xxxxxxx client who is an individual; and (2) an individual associated with an eligible Xxxxxx Xxxxxxx client (if the eligible Xxxxxx Xxxxxxx client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible account. CMAEUPSP0000229 Page 3 of 3 FDR 1122766 1122726 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Preferred® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Preferred® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for each additional Delta Reserve card. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).How Your Reward Program Works
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.331.23% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountpurchase, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4038. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 53% of the cash advance transaction withdrawal and other services you obtain (including fees any fee charged by the ATM operator, if any), with a minimum of $105. We will add this fee to the Cash Advance cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Everyday® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 2% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 2% on eligible purchases at select major department stores located in the U.S. (The current list of select major department stores at which you can earn a 2% reward is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage reward. Merchants are typically assigned codes and categorized based on what they primarily sell. A purchase will not earn a higher percentage reward if the merchant, or a particular merchant location, uses a code that is not eligible for a higher percentage reward. For questions about a higher percentage reward on a purchase, call the number on the back of your Card. A purchase may not earn a higher percentage reward if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx- info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122761 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR123 Page 2 of 2 FDR 1122766 1122643 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Surpass® Card How you receive Points How you receive additional Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: • at restaurants located in the U.S., • at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and • on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, • purchases of any cash equivalents, or • person-to-person transactions. • a merchant uses a third-party to sell their products or services; or • a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or • you choose to make a purchase using a third party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status Hilton Honors Free Night Reward Other things you should know about this program You will receive complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases made on your Card Account during a calendar year reach $40,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. If the total eligible purchases on your Card Account reach $15,000 or more during a calendar year, you will receive a Free Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases toward a Free Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Diamond status to become effective. Your upgrade to Diamond status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Diamond status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Diamond status, or if you qualify for Diamond status under the Hilton Honors program terms. Visit XxxxxxXxxxxx.xxx/xxxxxxxxxxxxxx for more information. The Free Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Hilton Honors to redeem your Free Night Reward. The Free Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR128 Page 2 of 4 Supplement to the Cardmember Agreement How Your Reward Program Works Marriott Bonvoy BrilliantTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy BrilliantTM American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded). You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants located in the U.S. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Gold Elite ("Gold Elite") Status with your Marriott Bonvoy Brilliant American Express Card. This complimentary Gold Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Gold Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Platinum Elite ("Platinum Elite") based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $75,000 or more, you will be enrolled for at least 12 months in the Platinum Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Platinum Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Platinum Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite or Platinum Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Everyday® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 2% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 2% on eligible purchases at select major department stores located in the U.S. (The current list of select major department stores at which you can earn a 2% reward is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Everyday® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 2% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 2% on eligible purchases at select major department stores located in the U.S. (The current list of select major department stores at which you can earn a 2% reward is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4038. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 53% of the cash advance transaction withdrawal and other services you obtain (including fees any fee charged by the ATM operator, if any), with a minimum of $105. We will add this fee to the Cash Advance cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).How Your Reward Program Works
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).How Your Reward Program Works
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How the Reward Program Works Xxxxxx Xxxxxxx Credit Card from American Express Things you should know about this program The Xxxxxx Xxxxxxx Credit Card from American Express is only available to you if you have an eligible brokerage account. Eligible brokerage account means a Xxxxxx Xxxxxxx Xxxxx Xxxxxx brokerage account held in your name or in the name of a revocable trust where you are the grantor and trustee, except for the following accounts: Charitable Remainder Annuity Trusts, Charitable Remainder Unitrusts, irrevocable trusts and employer-sponsored accounts. Eligibility is subject to change. We may cancel your Card Account and participation in this program, if you do not maintain an eligible brokerage account. FDR 1122766 0000000 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxx Honors American Express Aspire Card How you receive Points You receive 3 Hilton Honors Bonus Points (AgreementPoints) for each dollar of eligible purchases on your Hilton Honors American Express Aspire Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, including gift cards, or ● person-to-person transactions. How you receive additional Points You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Account identified Hilton portfolio. You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on page 1 your Card Account: ● at restaurants located in the U.S., ● for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and ● purchases directly from select major car rental companies listed at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of Part 1your Card. Any supplements or amendments are also part Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the Agreementbilling period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you use will forfeit Points If the Account (or you sign or keep Minimum Payment Due is not paid by the card)Payment Due Date of the billing period in which it is due, you agree to will forfeit the terms of Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement minimum payment for that billing period is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate due on existing balances except in limited circumstances. Changes to some terms may require 45 days advance noticeFebruary 10, and we you do not make that minimum payment due by the due date on February 10, then you will tell you not earn Points for purchases in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmemberbilling period ending February 15. You may request reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)$35 fee.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott BonvoyTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott BonvoyTM American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Silver Elite ("Silver Elite") Status with your Marriott Bonvoy American Express Card. This complimentary Silver Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Silver Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Gold Elite ("Gold Elite") based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $35,000 or more, you will be enrolled for at least 12 months in the Gold Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Gold Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Gold Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer offer. or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works American Express Cash Magnet® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Cash Magnet Card (Card Account). The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxxx Xxxxxx Investor Credit Card® from American Express Things you should know about this program The Xxxxxxx Xxxxxx Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your Xxxxxxx Xxxxxx Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover XXX that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is Xxxxxxx Xxxxxx will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your Xxxxxxx contact Xxxxxxx Xxxxxx. Schwab Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will not charge for 1 additional Platinum Card, we will charge $175 for up to 3 more after the 1st additional Platinum Card, then we will charge $175 for each additional Platinum Card after the 4th card, and $0 for additional Gold Cards. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How the Reward Program Works Platinum Card® from American Express exclusively for Xxxxxx Xxxxxxx Program Eligibility The Platinum Card from American Express exclusively for Xxxxxx Xxxxxxx is only available to you if you have an eligible account with Xxxxxx Xxxxxxx Xxxxx Xxxxxx LLC (Xxxxxx Xxxxxxx). An eligible account is a brokerage account with Xxxxxx Xxxxxxx (i) held in your name, (ii) held by a trust where you are both the grantor and trustee of such trust, or (iii) held as a beneficial owner of a personal holding company, a non- operating limited liability company, a non- operating limited partnership, or a similar legal entity. American Express will only issue the Platinum Card from American Express exclusively for Xxxxxx Xxxxxxx to (1) an eligible Xxxxxx Xxxxxxx client who is an individual; and (2) an individual associated with an eligible Xxxxxx Xxxxxxx client (if the eligible Xxxxxx Xxxxxxx client itself is not an individual). Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible account. CMAEUPSP0000229 Page 3 of 3 FDR 1122766 1122761 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott Bonvoy Brilliant® American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties, standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded). You receive 1 additional Point (for a total of 3 Points) for each $1 dollar of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Platinum Elite (Platinum Elite) Status with your Marriott Bonvoy Brilliant American Express Card. This complimentary Platinum Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Platinum Elite Status provided with the Card will be cancelled. You will not receive enrollment in Platinum Elite if you are already enrolled in the same Status or any higher Status. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxx.xxx, for details on: ● Xxxxxxxx's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for each additional Delta Reserve card. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Card How you receive Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional Points You receive 4 additional Points (a total of 7 Points) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 2 additional Points (a total of 5 Points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status Other things you should know about this program You will receive complimentary Hilton Honors Silver status with your Hilton Honors American Express Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Silver status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Gold status if the total eligible purchases made on your Card Account during a calendar year reach $20,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Gold status to become effective. Your upgrade to Gold status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Gold status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Gold status, or if you qualify for Gold status under the Hilton Honors program terms. Visit XxxxxxXxxxxx.xxx/ memberbenefits for more information. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 1122693 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122706 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to Initiation This fee is on the Rates and Fees Table on page 1 of Part 1. This fee is a purchase balance, unless we tell you otherwisefinance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $5,000 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. You may have up to 2 additional Centurion Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122669 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122690 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxx Xxxxxxx Blue Cash Preferred® American Express Card How you earn reward dollars You will earn Blue Cash® Reward Dollars (reward dollars) for eligible purchases on your Xxxxxx Xxxxxxx Blue Cash Preferred Card Account. The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (Superstores, convenience stores, warehouse clubs, and meal-kit delivery services aren't considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. When you will not earn You will not earn reward dollars for eligible Credits for eligible purchases will reduce the number reward dollars purchases posted to your Card Account of reward dollars you earn. during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How you can redeem reward dollars You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you will forfeit reward dollars You will forfeit your entire reward dollar balan ce if your Card Account is cancelled for any reason. The Reward Dollars Summary The reward dollars shown on your billing statement under the heading Reward If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Dollars Summary is only for informational Summary on your billing statement will show a purposes. It does not show the actual negative balance. It will continue to show a negative reward dollars that you may be entitled to balance until you accumulate eligible purchases receive. For example, a credit for eligible exceeding the negative eligible purchases. purchases posted to your Card Account can lower the reward dollars shown. Program Eligibility The Xxxxxx Xxxxxxx Blue Cash Preferred® Card is only available to you if you have an eligible account with Xxxxxx Xxxxxxx Xxxxx Xxxxxx LLC or its eligible affiliates, including but not limited to E*TRADE Securities LLC (Xxxxxx Xxxxxxx). American Express will only issue the Xxxxxx Xxxxxxx Blue Cash Preferred Card to (1) an eligible Xxxxxx Xxxxxxx client who is an individual; and (2) an individual associated with an eligible Xxxxxx Xxxxxxx client (if the eligible Xxxxxx Xxxxxxx client itself is not an individual). An eligible account is a brokerage account with Xxxxxx Xxxxxxx (i) held in your name, (ii) held by a trust where you are both the Eligibility is subject to change. American Express may cancel your Card Account and participation in this program if you do not maintain an eligible grantor and trustee of such trust, or (iii) account. held as a beneficial owner of a personal holding company, a non-operating limited liability company, a non-operating limited partnership, or a similar legal entity. How you can receive a If, in any calendar year, the total eligible A calendar year is from January 1 to December $100 Statement Credit each purchases charged to your Xxxxxx Xxxxxxx 31 regardless of when you open your Card calendar year Blue Cash Preferred Card Account equal Account. This means that during your first year $15,000 or more (Purchase Requirement), you will receive a $100 statement credit ($100 Statement Credit). The $100 Statement Credit will be posted to your account within 8-12 weeks after the Purchase Requirement is met. Please call the number on the back of your Card if the statement credit has not posted after 12 weeks from the date when you met the Purchase Requirement. as a Cardmember you may have fewer months to accumulate eligible purchases towards the $100 Statement Credit Purchase Requirement. The benefit is only available to the Basic Card Member; however, eligible purchases made by Additional Card Members will contribute to the Purchase Requirement. Other things you should know You will only receive rewards for eligible We may change the terms of this program at our about this program purchases for personal, family or household discretion. If you violate or abuse this program, use. you may forfeit some or all of your accrued reward Reward dollars are redeemable for rewards dollars. as described above, they are not cash. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122613 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to Initiation This fee is on the Rates and Fees Table on page 1 of Part 1. This fee is a purchase balance, unless we tell you otherwisefinance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Each Additional Centurion Card is $5,000 annually (limit of two), each Additional Platinum Card is $195 annually, and each Companion Centurion Card is $0 annually. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1176433 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Aspire Card How you receive Points How you receive additional Points You receive 3 Hilton Honors Bonus Points (AgreementPoints) for each dollar of eligible purchases on your Hilton Honors American Express Aspire Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Account identified Hilton portfolio. You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on page 1 your Card Account: • at restaurants located in the U.S., • for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and • purchases directly from select major car rental companies listed at Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of Part 1traveler's checks, • purchases or reloading of prepaid cards, • purchases of any cash equivalents, or • person-to-person transactions. Any supplements • a merchant uses a third-party to sell their products or amendments services; or • a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or • you choose to make a purchase using a third party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. When we transfer Points xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx. From time to time, we may make promotional Merchants are also part assigned codes based on offers of bonus Points. These offers include what they primarily sell. We group certain terms about how you can earn the bonus Points merchant codes into categories that are and when you can use them. These offer terms eligible for additional Points. A purchase with may differ from the terms above concerning a merchant will not receive additional Points if Points earned for eligible purchases to your the merchant's code is not included in a reward Card Account, including about when you can category. You may not receive additional Points use the Points. if we receive inaccurate information or are You can view your Points balance by otherwise unable to identify your purchase as logging onto your online account at eligible for a reward category. For example, you xxxxxxxxxxxxxxx.xxx and viewing your may not receive additional Points when: account summary page. We transfer the Points you receive to your Hilton Honors program account after the end of the Agreementbilling period in which you received them. Hilton Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you use will forfeit Points If the Account (or you sign or keep Minimum Payment Due is not paid by the card)Payment Due Date of the billing period in which it is due, you agree to will forfeit the terms of Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement minimum payment for that billing period is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate due on existing balances except in limited circumstances. Changes to some terms may require 45 days advance noticeFebruary 10, and we you do not make that minimum payment due by the due date on February 10, then you will tell you not earn Points for purchases in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmemberbilling period ending February 15. You may request reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).$35 fee. CMAENPSP0000243 Page 3 of4
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to Initiation This fee is on the Rates and Fees Table on page 1 of Part 1. This fee is a purchase balance, unless we tell you otherwisefinance charge. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $5,000 for each additional Centurion Card, $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. You may have up to 2 additional Centurion Cards. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1122761 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxxx Xxxxxx Investor Credit Card® from American Express Things you should know about this program The Xxxxxxx Xxxxxx Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your Xxxxxxx Xxxxxx Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is Xxxxxxx Xxxxxx will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your Xxxxxxx contact Xxxxxxx Xxxxxx. Schwab Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122766 1122744 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122704 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Gold American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Gold American Express Card (AgreementCard Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 1 additional mile (a total of 2) for the Account identified on page each $1 of Part 1. Any supplements or amendments eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are also part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at supermarkets located in the AgreementUnited States. Superstores and warehouse clubs are not considered supermarkets. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning miles earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you use will forfeit miles If the Account (or you sign or keep Minimum Payment Due is not paid by the card)Payment Due Date of the billing period in which it is due, you agree to will forfeit the terms of miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement minimum payment for that billing period is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate due on existing balances except in limited circumstances. Changes to some terms may require 45 days advance noticeFebruary 10, and we you do not make that minimum payment due by the due date on February 10, then you will tell you not earn miles for purchases in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).billing period ending February
Appears in 2 contracts
Samples: Cardmember Agreement, Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4038. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 53% of the cash advance transaction withdrawal and other services you obtain (including fees any fee charged by the ATM operator, if any), with a minimum of $105. We will add this fee to the Cash Advance cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton HonorsTM Card from American Express How you receive points You receive 3 Hilton HonorsTM Bonus Points (points) for each dollar of eligible purchases on your Hilton HonorsTM Card. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. How you receive additional points You receive 4 additional points (a total of 7 points) for each dollar of eligible purchases on your Card Account charged directly with a participating property within the Hilton portfolio. You receive 2 additional points (a total of 5 points) for each dollar of eligible purchases on your Card Account: ● at restaurants located in the U.S., ● at supermarkets located in the U.S. ( superstores and warehouse clubs are not considered supermarkets), and ● on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gas are not considered gas stations). Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not receive additional points. Merchants are typically assigned codes and categorized based on what they primarily sell. A purchase will not receive additional points if the merchant, or a particular merchant location, uses a code that is not eligible for additional points. For questions about additional points on a purchase, call the number on the back of your Card. 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. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards When we transfer points We transfer the points you receive to your Hilton Honors program account after the end of the billing period in which you received them. When you will forfeit points Hilton Honors Gold Status If the Minimum Payment Due is not paid by the Closing Date of the billing period in which it is due, you will forfeit the points you received for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the close of your next billing period on February 15, then you will not earn points for spend in the billing period ending February 15. You may receive an upgrade to the Hilton Honors Gold status based on your eligible spending for the calendar year. If your eligible spending during a calendar year reaches $20,000 or more, you will be upgraded to the Hilton Honors Gold status. Only the Basic Cardmember will be enrolled. You may reinstate those points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. It will take about 10 to 12 weeks after the eligible spend level is reached for your Hilton Honors Gold status to become effective. Your upgrade will expire after 12 months unless your eligible spending during the next calendar year again qualifies you for an upgrade. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Other things you should know about this program You will receive points only for eligible spending intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your points. We are not responsible for points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Hilton Honors membership, earning of Points & MilesTM and redemption of points are subject to Hilton Honors Terms and Conditions. You should refer to that document for details on: ● how to redeem your points, ● Xxxxxx'x right to change its program terms, and ● other conditions that may apply to the Hilton Honors program. FDR 1122766 997194 Cardmember Agreement: Part 2 of 2 Doc 28549 28255 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer offer. or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works American Express Cash Magnet® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (reward dollars) for eligible purchases on your Cash Magnet Card (Card Account). The number of reward dollars you earn is based on a percentage of the dollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, including gift cards, or ● person-to-person transactions. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. New York Card Members Only: New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. New York Card Members can also redeem reward dollars while their Card Account is past due. You must call the number on the back of your Card to redeem after notification of account cancellation or while your account is past due. You will not be able to redeem in your online Account or mobile application. You are a New York Card Member if your Card Account has a New York billing address. When you will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account is cancelled for any reason. New York Card Members receive 90 days to redeem reward dollars from notification of the cancellation of your Card Account. You are a New York Card Member if your Card Account has a New York billing address. The Reward Dollars Summary Other things you should know about this program The reward dollars shown on your billing statement under the heading Reward Dollars Summary is only for informational purposes. It does not show the actual reward dollars that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the reward dollars shown. You will only receive rewards for eligible purchases for personal, family or household use. Reward dollars are redeemable for rewards as described above, they are not cash. If a credit to your Card Account places your eligible purchases in a negative status, the Reward Dollars Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your accrued reward dollars. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Hilton Honors American Express Surpass® Card How you receive Points How you receive additional Points You receive 3 Hilton Honors Bonus Points (Points) for each dollar of eligible purchases on your Hilton Honors American Express Surpass® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 9 additional Points (a total of 12) for each dollar of eligible purchases on your Card Account charged directly with a property within the Hilton portfolio. You receive 3 additional Points (a total of 6) for each dollar of eligible purchases on your Card Account: • at restaurants located in the U.S., • at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets), and • on gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations). Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, • purchases of any cash equivalents, or • person-to-person transactions. • a merchant uses a third-party to sell their products or services; or • a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or • you choose to make a purchase using a third party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer Points We transfer the Points you receive to your Hilton Honors program account after the end of the billing period in which you received them. Xxxxxx Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you will forfeit Points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Hilton Honors Status Xxxxxx Honors Free Night Reward Other things you should know about this program You will receive complimentary Hilton Honors Gold status with your Hilton Honors American Express Surpass® Card. If your Card is cancelled for any reason, your complimentary Hilton Honors Gold status provided with the Card will be cancelled. You may receive an upgrade to Hilton Honors Diamond status if the total eligible purchases made on your Card Account during a calendar year reach $40,000 or more. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. If the total eligible purchases on your Card Account reach $15,000 or more during a calendar year, you will receive a Free Night Reward from Hilton Honors. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. This means that during your first year as a Cardmember you may have fewer months to accumulate eligible purchases toward a Free Night Reward. This benefit is only available to the Basic Cardmember; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. You will receive Points only for eligible purchases intended for personal, family or household use. We may change the terms of this program at our discretion. If you violate or abuse this program, you may forfeit some or all of your Points. Only the Basic Cardmember is eligible for this upgrade; however, eligible purchases made by Additional Cardmembers will contribute to the purchase requirement. It will take about 10 to 12 weeks after the total eligible purchases level is reached for your Hilton Honors Diamond status to become effective. Your upgrade to Diamond status is valid for the calendar year in which it was earned and the subsequent calendar year. Your Diamond status will expire after that subsequent calendar year unless your total eligible purchases in that subsequent calendar year again qualifies you for Diamond status, or if you qualify for Diamond status under the Hilton Honors program terms. Visit XxxxxxXxxxxx.xxx/xxxxxxxxxxxxxx for more information. The Free Night Reward will be issued in the form of a redeemable code and sent to you in an email from Hilton Honors to the email address listed on your Hilton Honors account. You will receive the reward email within 8 to 12 weeks after you have met the purchase requirement. Call Xxxxxx Honors to redeem your Free Night Reward. The Free Night Reward will expire after 12 months from the date of issuance. We are not responsible for Points after they are credited to your Hilton Honors program account. We are also not responsible for the actions of Hilton on your Hilton Honors program account. Xxxxxx Honors membership and redemption of Points are subject to Hilton Honors Terms and Conditions. Visit XxxxxxXxxxxx.xxx/xxxxx for more information. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.331.23% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountpurchase, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4039. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2928. If this happens again within the next 6 billing periods, the fee is $4039. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $4039. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2928. If you do this again within the same billing period or the next 6 billing periods, the fee is $4039. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Preferred® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Preferred® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant’s code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Plan Fee Monthly up Up to 1.330.88% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR124 Page 2 of 3 Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxxx Xxxxxx Investor Credit Card® from American Express Things you should know about this program The Xxxxxxx Xxxxxx Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your Xxxxxxx Xxxxxx Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover XXX that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● balance transfers, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash cash back purchases posted to your Card Account during a back you receive. billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. How cash back is Xxxxxxx Xxxxxx will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your Xxxxxxx contact Xxxxxxx Xxxxxx. Schwab Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. CMAENPSP0000238 Page 3 of 3 FDR 1122766 1122597 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.331.23% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountpurchase, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4039. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2928. If this happens again within the next 6 billing periods, the fee is $4039. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $4039. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2928. If you do this again within the same billing period or the next 6 billing periods, the fee is $4039. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer Either $0 or the greater of $5 or 3% of the transaction, with a minimum amount of $5each transfer. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR123 Page 2 of 2 FDR 1122766 1066064 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Delta SkyMiles® Blue American Express Card How you receive miles You receive 1 mile for each $1 of eligible purchases on your Delta SkyMiles® Blue American Express Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions How you receive additional miles You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account for the following purchases submitted to us using a Delta merchant code: ● air travel on a Delta flight ● air travel on a Delta partner flight with a DL flight number ● Delta Vacations® packages ● other Delta services You will NOT receive additional miles for: ● purchases of air travel on a Delta flight that are part of all-inclusive air or sea tour packages You receive 1 additional mile (a total of 2) for each $1 of eligible purchases on your Card Account charged at restaurants worldwide. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional miles. A purchase with a merchant will not receive additional miles if the merchant's code is not included in a reward category. You may not receive additional miles if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional miles when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional miles on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus miles. These offers include terms about how you can earn the bonus miles and when you can use them. These offer terms may differ from the terms above concerning xxxxx earned for charges to your Card Account, including about when you can use the miles. You can view your miles balance by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer miles We transfer the miles you receive to your Delta SkyMiles account after the end of the billing period in which you received them. Bonus miles awarded for promotional offers will be posted to your Delta SkyMiles account 8 to 12 weeks after the end of each month. To be eligible to earn bonus miles, your account must not be cancelled or delinquent at time of bonus fulfillment. When you will forfeit miles If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the miles you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn miles for purchases in the billing period ending February 15. You may reinstate those miles within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Other things you should know about this program You will receive miles only for eligible purchases intended for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your miles. We are not responsible for miles after they are credited to your SkyMiles account. We are also not responsible for the actions of Delta on your SkyMiles account. Miles are subject to the Delta SkyMiles Membership Guide and Program Rules. You should refer to that document for details on: ● how to redeem your miles, ● Delta's right to change its program terms, and ● other conditions that may apply to Delta's program. FDR 1122766 1122723 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works American Express Cash Magnet® Card How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Cash Magnet Card (Card Account). The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. You will earn a reward of 1.5% on your eligible purchases. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of traveler's checks, • purchases or reloading of prepaid cards, or • purchases of any cash equivalents. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122690 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we w e tell you otherwiseotherw ise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Paym ent Up to $40. If we w e do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. HoweverHow ever, the late fee will w ill not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit Overlim it None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we w e do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 1122597 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up For purchase amounts in a Pay Over Time balance: Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. For purchase amounts in a Pay In Full balance: Up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that applies to the Pay Over Time feature at the time you create the plan, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of None How Pay Over Time Works About the converted U.S. dollar amount. This fee is a finance charge. Pay Over Time feature See More About Pay Over Time in Part 2 of this Agreement for Converting important additional information about the Pay Over Time feature. • We may offer you Pay Over Time, which allows you to pay eligible charges over time, with interest. Pay Over Time has two settings: on and off. When on, we will automatically add new eligible charges to your Pay Over Time balance. When off, no new charges will be automatically added to your Pay Over Time balance. You can change your setting at any time, but your setting at 8 p.m. EST will determine whether a charge made that day is automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. If you transfer to a new Card with the same Account number, your Pay Over Time setting at time of transfer will remain in effect on your new Card. • If you have the Pay Over Time Select feature on your Account: you can request to add eligible purchases not already in a foreign currencyPay Over Time balance from the current or preceding billing period to your Pay Over Time Select balance. If we approve your request, we will add the purchase to your Pay Over Time Select balance. If we decline your request, you must pay the purchase in full by the Payment Due Date. • If you have the Pay Over Time Travel feature on your Account: we will automatically add eligible travel- related purchases to your Pay Over Time Travel balance regardless of whether your Pay Over Time setting is on or off. If you request to cancel your Pay Over Time Travel feature, you will not be able to re-enroll. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Platinum Card® from American Express Exclusively for Xxxxxxx Xxxxxx Things you should know about this program How you receive the Schwab Appreciation Bonus Receiving your Schwab Appreciation Bonus The Platinum Card® from American Express Exclusively for Xxxxxxx Xxxxxx is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab One® or Schwab General Brokerage Account held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. This benefit is only available to the Basic Card Member on the Card Account, and will be awarded based on the Qualifying Schwab Holdings of the Basic Card Member as of each Measurement Date. Schwab Appreciation Bonus Measurement Dates Your Qualifying Schwab Holdings will be measured (a) within five business days of Card Account approval and (b) on the first calendar day of your annual Card Account renewal month (each date, a "Measurement Date"). If on a Measurement Date your Qualifying Schwab Holdings are: ● equal to or greater than $250,000 and less than $1,000,000, you will receive a $100 Card statement credit; or ● equal to or greater than $1,000,000, you will receive a $200 Card statement credit. Qualifying Schwab Holdings Qualifying Schwab Holdings are the sum of the following assets and obligations: ● the aggregate assets held in the following non-retirement Schwab Brokerage Account types over which the Basic Card Member is an owner, grantor or trustee: individual, joint, revocable living trusts (where the grantor and trustee are the same), testamentary trusts, custodial, 529, guardianship, conservatorship, estate, usufruct, and life estate accounts; plus It will take approximately 6 to 8 weeks after each Measurement Date for the Schwab Appreciation Bonus statement credit to be posted to your Card Account. Your Schwab Brokerage and Xxxxxx Bank Account types are described on your account statements available at xxx.xxxxxx.xxx (or xxx.xxxxxxxxxxxxxx.xxx for clients of independent investment advisors). You can view your Schwab and Xxxxxx Bank balances on the Account Summary page of xxx.xxxxxx.xxx (or xxx.xxxxxxxxxxxxxx.xxx for clients of independent investment advisors). We may cancel your Platinum Card from American Express Exclusively for Xxxxxxx Xxxxxx Card Account (Card Account) and participation in this program if you do not maintain an eligible account. ● the aggregate assets held in the following retirement Schwab Brokerage Account types over which the Basic Card Member is an owner, grantor or trustee: Traditional Individual Retirement Accounts ("IRAs"), Xxxx and Xxxx Conversion IRAs and Rollover IRAs, but excluding IRAs, Xxxx and Xxxx Conversion IRAs and Rollover IRAs that are managed by an independent investment advisor pursuant to a direct contractual relationship between the Basic Card Member and such independent investment advisor; plus ● the aggregate assets held in the following Schwab Bank Account types over which the Basic Card Member is an owner or grantor: checking, savings, money market, certificate of deposit, and pledged asset accounts; plus ● the outstanding mortgage and home equity loan balances owed to Schwab Bank by the Basic Card Member. Retirement assets not held in accounts listed above are excluded. To receive this benefit, your Card Account must be active and not in default at the time of fulfillment. For questions about your Qualifying Schwab Holdings, please contact Xxxxxxx Xxxxxx. Only Qualifying Schwab Holdings as of each Measurement Date will be used to determine eligibility for this benefit. For questions about your annual Card Account renewal month, please call the number on the back of your Card. CMAENPSP0000239 Page 3 of 3 FDR 1122766 1122669 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4038. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2927. If this happens again within the next 6 billing periods, the fee is $4038. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions and Penalty APR for existing balances above. Returned Payment Up to $4038. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2927. If you do this again within the same billing period or the next 6 billing periods, the fee is $4038. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 53% of the cash advance transaction withdrawal and other services you obtain (including fees any fee charged by the ATM operator, if any), with a minimum of $105. We will add this fee to the Cash Advance cash advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Plenti® rewards program How you receive Plenti points For each dollar spent on eligible purchases using your Plenti® Credit Card from Amex (AgreementCard Account), you get one Plenti point (point). You also get: ● 2 additional points (for a total of 3 points) for each dollar spent on the Account identified first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); and ● 1 additional point (for a total of 2 points) for each dollar spent on page 1 eligible purchases at restaurants located in the U.S. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of Part 1traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. Any supplements Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. Purchases made through a third-party payment account, at an online marketplace, or amendments are also part using a mobile card reader may not earn additional points. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx- info for more information about rewards. When we transfer points Plenti points received from using your Card will be posted to your Plenti rewards account at the end of the Agreementbilling period following the one in which the transaction for which you received them took place. To be eligible to receive points, your Card Account must be active and not in default at time of fulfillment. When you use will forfeit points received on your Card Account Other things you should know about your Card Account Other things you should know about the Account (or you sign or keep Plenti rewards program If the card)Minimum Payment Due is not paid by the Closing Date of the billing period in which it is due, you agree to will forfeit the terms of the Agreementpoints you received for eligible purchases during that billing period. Changing the Agreement We may change this AgreementTo reinstate points, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is pay a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this $35 fee per Card Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmemberper billing period where points were forfeited. You may request reinstate points within the next 12 billing periods. You may receive Plenti points when you make a card purchase at a participating Plenti partner in multiple ways, including: (1) by paying with your Card; and (2) by using your Plenti rewards card. The terms for an Additional Cardmember (see About Additional Cardmembers in Part 2).receiving Plenti points may differ between the two. That means the number of Plenti points that you receive for the same transaction may vary and there may be instances where you receive Plenti points for purchases with your Card and from using your Plenti rewards card, or from one but not the other. In order to be eligible to receive the maximum number of Plenti points for a purchase at a participating Plenti partner when you use your Card for payment, you
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. Supplement to the Cardmember Agreement How Your Reward Program Works Marriott BonvoyTM American Express® Card How you receive points You receive 2 Marriott Bonvoy Points (Points) for each $1 of eligible purchases on your Marriott BonvoyTM American Express® Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. How you receive additional points You receive 4 additional Points (for a total of 6 Points) for each $1 of eligible purchases on your Card Account charged directly with participating Marriott Bonvoy properties standalone Marriott branded retail establishments, and Marriott branded online stores (including online purchases of Marriott branded gift cards), that in each case, are owned or managed by Marriott International, Inc. and its affiliates. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional Points. A purchase with a merchant will not receive additional Points if the merchant's code is not included in a reward category. You may not receive additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional Points when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. From time to time, we may make promotional offers of bonus Points. These offers include terms about how you can earn the bonus Points and when you can use them. These offer terms may differ from the terms above concerning Points earned for eligible purchases to your Card Account, including about when you can use the Points. You can view your Points earned year to date on the Card by logging onto your online account at xxxxxxxxxxxxxxx.xxx and viewing your account summary page. When we transfer points We transfer Points to your Marriott Bonvoy Member Account after the end of the billing period in which you received them. Bonus Points received from your Card will be posted to your Marriott Bonvoy Member Account up to 12 weeks after the end of each month. Your account must not be cancelled or delinquent at the time of bonus fulfillment. When you will forfeit points If the Minimum Payment Due is not paid by the Payment Due Date of the billing period in which it is due, you will forfeit the Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the minimum payment for that billing period is due on February 10, and you do not make that minimum payment due by the due date on February 10, then you will not earn Points for purchases in the billing period ending February 15. You may reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a $35 fee. Elite Status You will receive complimentary Marriott Bonvoy Silver Elite ("Silver Elite") Status with your Marriott Bonvoy American Express Card. This complimentary Silver Elite Status benefit is only available to the Basic Cardmember. If your Card is cancelled for any reason, your Silver Elite Status provided with the Card will be cancelled. You may receive enrollment in Marriott Bonvoy Gold Elite ("Gold Elite") based on your eligible purchases for the calendar year. If your eligible purchases during a calendar year total $35,000 or more, you will be enrolled for at least 12 months in the Gold Elite Status of Marriott Bonvoy. It will take about 12 to 16 weeks for your enrollment in the Gold Elite Status to become effective. Only the Basic Cardmember will be enrolled. Your enrollment will expire after 12 months unless your eligible purchases during the next calendar year again qualifies you for enrollment, or you qualify for Gold Elite Status under the Marriott Bonvoy Terms and Conditions. You will not receive enrollment in Gold Elite if you are already enrolled in the same Status or any higher Status. A calendar year is from January 1 to December 31 regardless of when you open your Card Account. Other things you should know about this program You will only receive rewards for eligible purchases for personal, family or household use. We may change the terms of this reward program at our discretion. If you violate or abuse this reward program, you may forfeit some or all of your Points. We are not responsible for Points after they are credited to your Marriott Bonvoy Member Account, which is operated by Marriott International, Inc. ("Marriott"). We are also not responsible for the actions of Marriott on your Marriott Bonvoy Member Account. Points, certificates and membership in the loyalty program are subject to the Marriott Bonvoy Terms and Conditions. You should refer to that document, which can be found at xxx.xxxxxxxxxxxxxx.xxx, for details on: ● Marriott's right to change its program terms. ● other conditions that may apply to the loyalty program. FDR 1122766 1122693V2 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.331.23% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Everyday® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Everyday® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during the billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, or ● purchases of any cash equivalents. You will earn a reward of: ● 3% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores and warehouse clubs are not considered supermarkets); ● 2% on eligible purchases of gasoline at gas stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); ● 2% on eligible purchases at select major department stores located in the U.S. (The current list of select major department stores at which you can earn a 2% reward is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx); and ● 1% on all other eligible purchases. You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Closing Date of the next billing period. You can redeem reward dollars for statement credits whenever your total available reward dollar balance is 25 or more. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn a higher percentage reward. Merchants are typically assigned codes and categorized based on what they primarily sell. A purchase will not earn a higher percentage reward if the merchant, or a particular merchant location, uses a code that is not eligible for a higher percentage reward. For questions about a higher percentage reward on a purchase, call the number on the back of your Card. A purchase may not earn a higher percentage reward if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet. Please visit xxxxxxxxxxxxxxx.xxx/xxxxxxx- info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. The minimum redemption is 25 reward dollars. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. We will charge $175 for up to 3 additional Platinum Cards, $175 for each additional Platinum Card after the first 3, and $0 for additional Gold Cards. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based This fee is described on the plan duration, the APR that would otherwise apply to the purchase or amount, Rates and other factorsFees Table on page 1 of Part 1. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when before you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement2. Late Payment Up to $40. If we do not receive the Amount Due (or Minimum Payment Due Due, if applicable) by its the Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Amount Due (or Minimum Payment Due, if applicable). Paying late may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Amount Due (or Minimum Payment Due, if applicable). A returned payment may also result in a penalty APRAPR for new transactions in a Pay Over Time balance. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the an ATM cash advance transaction (including fees any fee charged by the ATM operator, if any)) or other cash advance, with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAEUFEEPAPR103 Page 2 of 2 FDR 1122766 1176433 Cardmember Agreement: Part 2 of 2 Doc 28549 27303 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.331.23% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountpurchase, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $4039. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $2928. If this happens again within the next 6 billing periods, the fee is $4039. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $4039. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $2928. If you do this again within the same billing period or the next 6 billing periods, the fee is $4039. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Supplement to the Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase or amountamount(s), and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Blue Cash Preferred® How you earn reward dollars When you will not earn reward dollars How you can redeem reward dollars You will earn Blue Cash® Reward Dollars (Agreementreward dollars) for the Account identified eligible purchases on page 1 your Blue Cash Preferred® Card Account. The number of Part 1. Any supplements or amendments are also part reward dollars you earn is based on a percentage of the Agreementdollar amount of your eligible purchases during each billing period. Eligible purchases are purchases made on your Card for goods and services minus returns and other credits. Eligible purchases do NOT include: ● fees or interest charges, ● balance transfers, ● cash advances, ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, or ● person-to-person transactions. You will earn a reward of: ● 6% on the first $6,000 of eligible purchases in a calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); ● 6% on eligible purchases of U.S. streaming subscriptions from select providers (the current list of select providers is available at xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx). If your subscription is bundled with another product or service or billed by a third party (such as a digital platform, a cable, telecommunications, or internet provider, or a car manufacturer), your purchase may not be eligible; ● 3% on eligible purchases of gasoline at gasoline stations located in the U.S. (superstores, supermarkets and warehouse clubs that sell gasoline are not considered gas stations); You will not earn reward dollars for eligible purchases posted to your Card Account during a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. You can redeem reward dollars for statement credits with no minimum redemption amount. The statement credit will appear on your Card Account within 3 days and will apply to the billing period in which it appears. Reward Dollars redeemed for a statement credit cannot be used to pay your Minimum Payment Due. Redemption will be in the form of a statement credit of $1 for every reward dollar redeemed. Partial reward dollar redemptions will receive an equivalent statement credit amount (e.g., 32.11 reward dollars can be redeemed for a $32.11 statement credit). ● 3% on eligible purchases on transit, including trains, taxicabs, ride share services, ferries, tolls, parking, buses, and subways (airfare, car rental and cruises are not considered transit); and ● 1% on all other eligible purchases. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional rewards. A purchase with a merchant will not earn additional rewards if the merchant's code is not included in a reward category. You may not receive additional rewards if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for a reward category. For example, you may not receive additional rewards when: ● a merchant uses a third-party to sell their products or services; or ● a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or ● you choose to make a purchase using a third- party payment account or make a purchase using a mobile or digital wallet. For questions about additional rewards on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. Credits for eligible purchases will reduce the number of reward dollars you earn. From time to time we may, at our option, offer you other ways to redeem reward dollars, such as for gift cards or merchandise. You cannot redeem reward dollars if your Card Account is cancelled or past due. When you use the will forfeit reward dollars You will forfeit your entire reward dollar balance if your Card Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by cancelled for any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2)reason.
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. Plan Fee Monthly up Up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. None Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxx Honors American Express Aspire Card How you receive Points How you receive additional Points You receive 3 Hilton Honors Bonus Points (AgreementPoints) for each dollar of eligible purchases on your Hilton Honors American Express Aspire Card (Card Account). Eligible purchases are purchases for goods and services minus returns and other credits. You receive 11 additional Points (a total of 14) for each dollar of eligible purchases on your Card Account charged directly with a property within the Account identified Hilton portfolio. You receive 4 additional Points (a total of 7) for each dollar of eligible purchases on page 1 your Card Account: • at restaurants located in the U.S., • for airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded), and • purchases directly from select major car rental companies listed at Eligible purchases do NOT include: • fees or interest charges, • balance transfers, • cash advances, • purchases of Part 1traveler's checks, • purchases or reloading of prepaid cards, • purchases of any cash equivalents, or • person-to-person transactions. Any supplements • a merchant uses a third-party to sell their products or amendments services; or • a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or • you choose to make a purchase using a third party payment account or make a purchase using a mobile or digital wallet. For questions about additional Points on a purchase, call the number on the back of your Card. Please visit xxxxxxxxxxxxxxx.xxx/ rewards-info for more information about rewards. When we transfer Points xxxxxxxxxxxxxxx.xxx/xxxxxxx-xxxx. From time to time, we may make promotional Merchants are also part assigned codes based on offers of bonus Points. These offers include what they primarily sell. We group certain terms about how you can earn the bonus Points merchant codes into categories that are and when you can use them. These offer terms eligible for additional Points. A purchase with may differ from the terms above concerning a merchant will not receive additional Points if Points earned for eligible purchases to your the merchant's code is not included in a reward Card Account, including about when you can category. You may not receive additional Points use the Points. if we receive inaccurate information or are You can view your Points balance by otherwise unable to identify your purchase as logging onto your online account at eligible for a reward category. For example, you xxxxxxxxxxxxxxx.xxx and viewing your may not receive additional Points when: account summary page. We transfer the Points you receive to your Hilton Honors program account after the end of the Agreementbilling period in which you received them. Xxxxxx Honors Points received from your Card will be posted to your Hilton Honors account up to 12 weeks after the end of your billing cycle. Your account must not be cancelled or delinquent at the time of fulfillment. Your Hilton Honors Points are subject to Hilton Honors Terms and Conditions, see XxxxxxXxxxxx.xxx/xxxxx. When you use will forfeit Points If the Account (or you sign or keep Minimum Payment Due is not paid by the card)Payment Due Date of the billing period in which it is due, you agree to will forfeit the terms of Points you earned for eligible purchases during that billing period. For example, if your billing period closes January 15 and the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement minimum payment for that billing period is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate due on existing balances except in limited circumstances. Changes to some terms may require 45 days advance noticeFebruary 10, and we you do not make that minimum payment due by the due date on February 10, then you will tell you not earn Points for purchases in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmemberbilling period ending February 15. You may request reinstate those Points within the next 12 billing periods if your Card Account is not past due and you pay a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).$35 fee. CMAENPSP0000243 Page 3 of4
Appears in 1 contract
Samples: Cardmember Agreement
Fees. We add fees to a purchase balance, unless we tell you otherwise. Annual Membership This fee is on the Rates and Fees Table on page 1 of Part 1. You may have up to 3 additional cards at no charge. Plan Fee Monthly up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase or amount, and other factors. This fee is a fixed finance charge that will be charged each month that a plan is active. The dollar amount of your plan fee will be disclosed when you set up a plan. For more information, see About the Plan It Feature in Part 2 of your Cardmember Agreement. Late Payment Up to $40. If we do not receive the Minimum Payment Due by its Payment Due Date, the fee is $29. If this happens again within the next 6 billing periods, the fee is $40. However, the late fee will not exceed the Minimum Payment Due. Paying late may also result in a penalty APR. See Penalty APR for new transactions above. Returned Payment Up to $40. If you make a payment that is returned unpaid the first time we present it to your bank, the fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee is $40. However, the returned payment fee will not exceed the applicable Minimum Payment Due. A returned payment may also result in a penalty APR. See Penalty APR for new transactions above. Returned Check $38 if you use your card to cash a check at one of our approved locations and the check is returned unpaid. We will also charge you the unpaid amount. Overlimit None. See Credit limit and cash advance limit in Part 2. Account Re-opening $25 if your Account is cancelled, you ask us to re-open it, and we do so. Balance Transfer 3% of the transaction, with a minimum of $5. A different fee may apply if stated in a promotional offer or at the time of a transaction. This fee is a finance charge. We will add it to the same balance as the balance transfer. Cash Advance 5% of the cash advance transaction (including fees charged by the ATM operator, if any), with a minimum of $10. We will add this fee to the Cash Advance balance. Foreign Transaction 2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Part 2 for Converting charges made in a foreign currency. Part 1, Part 2 and any supplements or amendments make up your Cardmember Agreement. CMAENFEEPAPR128 Page 2 of 3 Supplement to the Cardmember Agreement How Your Reward Program Works Xxxxxxx Xxxxxx Investor Credit Card® from American Express Things you should know about this program The Xxxxxxx Xxxxxx Investor Credit Card® from American Express is only available to you if you maintain an eligible account at Schwab. An eligible account means either (1) a Schwab We may cancel your Xxxxxxx Xxxxxx Investor Credit Card® from American Express Card Account (Card Account) and participation in this program if you do not maintain an eligible One® or Schwab General Brokerage Account account. held in your name or in the name of a revocable living trust where you are the grantor and trustee or (2) a Schwab Traditional, Xxxx or Rollover IRA that is not managed by an independent investment advisor pursuant to a direct contractual relationship between you and such independent advisor. Eligibility is subject to change. How you receive cash back You will receive cash back for eligible purchases Eligible purchases do NOT include: made on your Card Account. The cash back you receive is 1.5% of the dollar amount of ● fees or interest charges, ● cash advances, eligible purchases during a billing period. Eligible purchases are purchases made on your Card Account for goods and services minus returns and other credits. ● purchases of traveler's checks, ● purchases or reloading of prepaid cards, ● purchases of any cash equivalents, including gift cards, or ● person-to-person transactions. From time to time, we may make promotional offers. These offers include terms about how you can earn cash back. These offer terms may differ from the terms above concerning cash back earned for charges to your Card Account. Your account must not be cancelled or delinquent at the time of fulfillment of any offers. When you will not receive You will not receive cash back for eligible Credits for eligible purchases will reduce the cash back purchases posted to your Card Account during amount of cash back you receive. a billing period if the Minimum Payment Due shown on the statement for that billing period is not paid by the Payment Due Date shown on that statement. How cash back is Xxxxxxx Xxxxxx will deposit cash back into your Express at time of Card Account approval. If deposited eligible account approximately 6 to 8 weeks from you have multiple eligible Schwab accounts and the end of the billing period in which it is earned. would like to update your linked account, please An eligible account will be linked to your Xxxxxxx contact Xxxxxxx Xxxxxx. Schwab Investor Credit Card from American When you will forfeit received cash back If we or you cancel your Card Account for any reason, you may lose any cash back not already transferred to your eligible account. The Cash Back Summary The cash back shown on your billing statement under the heading Cash Back Earnings Summary is only for informational purposes. It does not show the actual cash back that you may be entitled to receive. For example, a credit for eligible purchases posted to your Card Account can lower the cash back amount. Also, if a credit to your Card Account places your eligible purchases in a negative status, the Cash Back Summary on your billing statement will show a negative balance. It will continue to show a negative balance until you accumulate eligible purchases exceeding the negative eligible purchases. Other things you should know about this program We may change the terms of this program at our discretion. If you violate the terms or abuse this program, you may forfeit some or all of your cash back. FDR 1122766 Cardmember Agreement: Part 2 of 2 Doc 28549 How Your American Express Account Works Introduction About your Cardmember Agreement This document together with Part 1 make up the Cardmember Agreement (Agreement) for the Account identified on page 1 of Part 1. Any supplements or amendments are also part of the Agreement. When you use the Account (or you sign or keep the card), you agree to the terms of the Agreement. Changing the Agreement We may change this Agreement, subject to applicable law. We may do this in response to the business, legal or competitive environment. This written Agreement is a final expression of the agreement governing the Account. The written Agreement may not be contradicted by any alleged oral agreement. We cannot increase the interest rate on existing balances except in limited circumstances. Changes to some terms may require 45 days advance notice, and we will tell you in the notice if you have the right to reject a change. We cannot change certain terms during the first year of your Cardmembership. Words we use in the Agreement About using your card We, us, and our mean the issuer shown on page 1 of Part 1. You and your mean the person who applied for this Account and for whom we opened the Account. You and your also mean anyone who agrees to pay for this Account. You are the Basic Cardmember. You may request a card for an Additional Cardmember (see About Additional Cardmembers in Part 2).
Appears in 1 contract
Samples: Cardmember Agreement
