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IMPORTANT INFORMATION REGARDING YOUR APPLICATION
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The information in this application is accurate through 12/01/2008. This information may have changed after that date. To find out about any changes, please call us at 800-628-2244.
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The annual fee of $125 for your Basic Card and $45 per Additional Gold Card is waived for the first year of your membership. There is no annual fee for Additional Business Green Cards.
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Varies from state to state, from zero to the greater of $35 or 2.99% of delinquent balance.
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| All charges made on this Charge Card are due and payable when you receive your billing statement. |
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The first year annual fee is waived for new Card applicants only. If you transfer an existing account to the Gold Card, you are not eligible for the first year annual fee waiver.
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Patriot Act Notice: Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account, including your name, address, date of birth and other information that will allow us to verify your identity.
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Our Agreement
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By submitting this application, I as an individual and the Authorizing Officer of the Company (a) request that you open an account ("Account") in the name of the Company and in my name, (b) request that Card(s) be issued on that Account as indicated on this application, (c) understand that you will renew and replace the Card(s) until I cancel, (d) agree to be individually, jointly and severally liable for all charges to the Account made by all Cards issued on the Account now or in the future, (e) agree on behalf of the Company and myself to be bound by the agreement governing the Account ("Cardmember Agreement"), and (f) REPRESENT THAT THE CARD(S) WILL BE USED FOR COMMERCIAL OR BUSINESS PURPOSES. I understand that the Cardmember Agreement includes an arbitration provision, which impacts my opportunity to have claims related to the Account heard in court or resolved by a jury, and to participate in a class action or similar proceeding. I understand that the Cardmember Agreement also provides, among other things, that (i) the Account terms, such as fees, are subject to change and (ii) I am personally responsible for payment for all charges on the Account and the Company is also jointly liable for all such charges. I understand that I must provide all the information requested in this application and I certify that such information is accurate. I authorize you to verify the information on this application and to receive and exchange information about me including requesting reports from consumer reporting agencies. If I ask whether or not a consumer report was requested, you will tell me, and if you received a report, you will give me the name and address of the agency that furnished it. I authorize you and your affiliates and subsidiaries to contact these sources for information at any time and to use any information obtained about me for marketing and administrative purposes.
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Express Cash
By accepting the Card, I am also requesting to be considered for your Express Cash ATM program. The Express Cash terms and conditions, including fees, will be printed on the Card Agreement. If I am approved for this program, you will issue me a Personal Identification Number (PIN).
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Membership Rewards:
The Membership Rewards® program ("Program") annual fee is $40, except as otherwise provided below. There is no annual Program fee for the Preferred Rewards Green Card, Preferred Rewards Gold Card, Rewards Plus Gold Card, Centurion® Card, Platinum Card®, Corporate Platinum Card, Business Membership Rewards Card, Business Platinum Card, Business Centurion Card, Fidelity American Express Platinum Card, Business Green Rewards and Business Gold Reward Card members. The annual Program fee is $75 for Corporate Card members who enroll only their Corporate Card in the Program or for Corporate Cards with a Lending Card linked to the Program account. Linkage fees may apply if you have a Corporate Card or Small Business Card linked to your Program account. Some American Express Cards are not eligible for enrollment in the Program. For more information or to enroll in the Program, visit our website at www.open.americanexpress.com/rewards or call 800-AXP-EARN (297-3276). Participating partners and available rewards are subject to change.
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Bonus points:
5,000 welcome bonus points will be awarded after your first purchase to your Business Gold Rewards Card account. Welcome bonus points are available for first-time Business Gold Rewards Card members only. This is a welcome bonus for new Card applicants only. If you transfer an existing account to Business Gold Rewards, you do not receive this welcome bonus. You may be permitted to have more than one Business Gold Rewards Card account; however, you are eligible to receive welcome bonus points for only one Card account. Welcome bonus points will be credited to your Membership Rewards account 8 to 12 weeks after your first purchase appears on your monthly billing statement.
Spend bonus points will be awarded to your account depending on the amount of Eligible Spending in each membership year, as follows: If your Eligible Spending in a membership year is equal to or greater than $20,000 but less than $50,000, you will receive 5,000 spend bonus points; if your Eligible Spending in a membership year is equal to or greater than $50,000, you will receive an additional 20,000 spend bonus points. Spend bonus points will be credited to your Membership Rewards account 8 to 12 weeks after your Eligible Spending reaches the $20,000 and $50,000 threshold amounts, respectively. “Eligible Spending” includes purchases of goods or services, which purchases have not been returned or otherwise credited to your Card account: it does NOT include fees, Finance Charges, Cash Advances or similar means of accessing your Card account, or the purchase of American Express Travelers Cheques, American Express Gift Cheques, or other cash equivalents.
A one-time renewal bonus of 10,000 points will be awarded to your account after you pay the annual membership fee for the second membership year. Additional Cardmembers are not eligible to receive bonus points.
The following are not eligible to earn Membership Rewards points: Savings, Cash Advance Services, and Balance Transfers; Privileged Assets(R) and Express Cash; AMEX Travelers Cheque and AMEX Gift Cheque Purchases; Cash Advances; Fees and Interest; Charges for Dishonored Checks; Finance Charges - including Line of Credit Finance Charges, Sign & Travel Account Finance Charges, Extended Payment Option Finance Charges, BusinessFlex Finance Charges and Eligible Optima Card Finance Charges; Delinquency Charges; Bulk Mail Charges with the U.S. Postal Service; Program Annual Fees and Program Migration Fees; Card account annual fees; fees for enrollment-based Card services
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No pre-set spending limit —
The American Express Card has no preset spending limit, giving you purchasing power that adjusts with your use of the card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors including spending patterns, your payment history, your credit history, and financial resources known to us
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Car Rental Loss and Damage Insurance
covers you for theft of, or damage to, most Rental Autos for the first 30 days of rental if rented from a commercial car rental company. Simply use your eligible Card to reserve, pick up, and pay for an auto rental and decline the Rental Company's full collision damage waiver (or similar option). The coverage is in excess of your other insurance and is only available for Rental Autos rented in the United States, its territories and possessions. See the Description of Coverage or call 1-800-338-1670 for full details. Coverage is subject to the terms, conditions and exclusions of Policy AX0925 underwritten by AMEX Assurance Company, Admin. Office, Green Bay, WI. Certain vehicles are not covered and other significant exclusions apply.
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Return Protection
Purchases must be made in the United States and charged in full on your Card. A Refund will not be paid if, on the date we receive your Return Protection Request, any amount on your Card Account is past due for one or more billing cycle(s) or your Card is cancelled. Refunds are limited to $300 per designated item, and $1,000 annually per Cardmember Account. The item must be in “like new” condition (not visibly used or worn) and working in order to be eligible. An item is eligible if it may not be returned by the Cardmember to the store from which it was originally purchased. Any item purchased from a store that has an established return/satisfaction guarantee program which is greater than or equal to the terms of Return Protection, and provides coverage for claim, will not be eligible for a Return Protection Refund.
Items not eligible for a refund are: animals and living plants; one-of-a-kind items (including antiques, artwork, and furs); limited edition items; going-out-of-business sale items; consumable or perishable items with limited life spans (such as perfume, light bulbs, non-rechargeable batteries); jewelry and precious stones; services and additional costs (such as installation charges, warranties, shipping, or memberships); rare and precious coins; used, rebuilt and refurbished items; custom-built items, cellular phones; pagers; compact discs; digital video discs; mini discs; audiotapes; videotapes; computer software; firmware (such as console games, Nintendo, etc.); maps; books of any kind; health care items (such as blood pressure machines and diabetes equipment); formal wear; tickets of any kind; motorized vehicles (such as cars, trucks, motorcycles, boats, airplanes, or riding lawn mowers) and their parts; land and buildings; firearms; negotiable instruments (such as promissory notes, stamps and travelers checks); cash and its equivalent; and items permanently affixed to home, office, vehicles, etc. (such as garage door openers, car alarms).
If you have any questions regarding a Return Protection Request or the Return Protection program, please call our Customer Service Department at 800-297-8019.
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Purchase Protection Plan Policy
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.
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Travel Accident Insurance Policy
is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0948. See Description of Coverage for complete details.
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Travel Services Locations
Not all services are available at all locations. Services are subject to local laws and cash availability.
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OPEN Savings®
Savings range from 3% to 25%. Payment must be made with an American Express® Business Card at the time of purchase; savings will be credited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at opensavings.com. Merchant participation and offers are subject to change without notice.
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ExpensAble
Valid only directly through ExpensAble.
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FedEx®
The OPEN Savings discount applies to FedEx Priority Overnight®, FedEx Standard Overnight®, FedEx 2Day®, FedEx Express Saver®, FedEx 1Day Freight®, FedEx 2Day Freight®, FedEx 3Day Freight®, FedEx International Priority®, FedEx Ground® and FedEx Home Delivery shipments services. Discounted Services do not include Easy Packaging from FedEx, or International Duties and Taxes. The maximum annual discount available is $1000. Discount not available on FedEx shipments originating from Kinko's® locations unless the method of payment is a FedEx account linked to an American Express® Business Card.
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Delta
Valid on tickets purchased directly from Delta Air Lines by visiting delta.com, calling 1-800-221-1212, or at your nearest Delta ticket counter. Savings do not apply to tickets purchased through a third party. All American Express® Business Cards accounts receive 3% savings on Delta flight purchases. Delta SkyMiles® Business Credit Card accounts receive an extra 2% savings, for a total of 5% savings. The 3% and 2% savings will appear as separate statement credits on Delta SkyMiles Business Credit Card accounts within 8-10 weeks of the original purchase. There are no limits on the number or amount of discounts on Delta ticket purchases under the OPEN Savings program.
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JetBlue
Valid on flights purchased directly from JetBlue by phone (1-800-JETBLUE), online (www.jetblue.com), or at the ticket counter. Savings do not apply to Getaways vacation packages, gift cards/certificates, or to flights purchased through a third party. All American Express® Business Cards accounts receive 3% savings on JetBlue flight purchases with a maximum annual savings of $1,000 per Card account. JetBlue Business Card® accounts receive an extra 2% savings, for a total of 5% savings with a maximum annual savings of $2,000 per Card account. The 3% and 2% savings will appear as separate statement credits on JetBlue Business Card accounts within 8-10 weeks of the original purchase.
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Hertz®
Valid only at U.S. participating locations.
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1-800-FLOWERS.COM®
Valid on all U.S. purchases – online, in store or by telephone.
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The Business Green Rewards Card from OPEN is issued by American Express Bank, FSB.
© 2008 American Express Bank, FSB. All rights reserved.
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