Earn 120,000 Membership Rewards® Points after you spend $15,000 in qualifying purchases on the Card within your first 3 months of Card Membership.
1.5X Membership Rewards® points on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
5X Membership Rewards® points on flights and prepaid hotels when you book at AmexTravel.com.
Earn a $100 statement credit after you spend $1,000 on purchases in the first 3 months of account opening
3X ThankYou® Points for every $1 spent at gas stations.
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
5% cash back on Lyft rides through March 31, 2025
2 x Cash Back with Cashback Match, get an unlimited dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically
5% Cashback Bonus at Target
If your common carrier travel is delayed more than 6 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
Take advantage of cardmember perks such as a room upgrade and daily breakfast at over 1,000 properties when you book with The Luxury Hotel & Resort Collection.
A 24/7 on-demand referral dispatch network that provides emergency roadside assistance, towing, or locksmith service when
you need them. For assistance, call 1-800-847-2869. Refer to your Guide to benefits for more information.
Get emergency roadside assistance with services like towing, fuel delivery, and more by calling 1-800-847-2869. Tell the operator where you are, what the problem is, and the operator will arrange a dispatch to a reliable tow operator or locksmith to provide help. The operator will let you know the name of the local tow operator or locksmith being sent to assist you. Cardmembers are responsible for any service fees.
You can be reimbursed for eligible items that the store won't take back within 90 days of purchase, up to $500 per item, $1,000 per year.
With Return Protection, you may return eligible purchases to American Express if the seller won't take them back up to 90 days from the date of purchase. American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.
If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind. ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity, so you can act quickly should the unexpected happen.
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Navigating Amex Financial Reviews: Tips and Personal Insights
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An Amex financial review (FR) is not something anyone looks forward to. However, if you’re trying to rack up Amex points, it’s important to know how to avoid being targeted. And if you’ve already been flagged (sorry!), you’ll want to know how to handle it to prevent your accounts from being shut down. This post is based on my experience helping readers navigate FRs and includes tips and tricks I’ve gathered from reliable sources.
Amex conducts financial reviews to protect itself from cardholders who may default on payments. They want to ensure that you have the income to cover your spending. During a financial review, Amex may request access to documents like your tax return to verify your income. If Amex determines that your income is insufficient, they may shut down your accounts or lower your credit limits.
Amex doesn’t disclose the exact factors that trigger an FR, but here are some known triggers:
Amex Financial Review Triggers:
If your account is flagged for an FR, here’s what to expect:
Financial reviews vary in intensity. Some may only require you to verify details over the phone, while others may require you to provide income verification documents. Before calling, prepare explanations for potential questions, such as:
If you have business cards under a sole proprietorship, be prepared to explain the nature of your business and spending habits.
In most cases, Amex will ask you to sign IRS form 4506-T, allowing them to access your tax return. While they can’t force you to provide this, refusing will likely result in your accounts being shut down. If your reported income matches your tax return, your accounts should be reinstated within 10-14 days. If your tax return shows lower income than reported, your accounts may be closed or your credit limits reduced.
Yes! Even if you think you might not pass the review, it’s always better to engage with Amex. Ignoring the review will result in your accounts being closed. Engaging with them might still result in reduced credit limits, but it’s better than losing your accounts entirely. Moreover, once you comply, your accounts won’t remain flagged even if they end up being closed.
If you’ve never filed taxes, explain this to the representative and offer to provide bank statements showing your income. While not guaranteed, Amex has accepted this documentation in the past, and it’s worth trying.
It’s not pleasant, but if your accounts are closed, you have options. You can try re-establishing your relationship with Amex by applying for a new card later, or you can apply for new cards with different banks. Use our Ultimate Credit Card Finder to find a card that fits your needs.
If you fail the FR, Amex won’t allow you to redeem your points in the usual way. However, some have reported being able to redeem points up to 30 days later by speaking with a supervisor. For NY residents, as of December 10, 2023, reward points must be available for redemption for 90 days after an account is shut down.
Generally, having your accounts shut down won’t affect your credit score, except in these cases:
No. There’s no evidence that closing your account before Amex does will improve your situation. Most credit reports include at least one account closed by the grantor, and it typically doesn’t affect the credit score.
Q: How long does the Amex FR process take?
A: The process can take 2-3 weeks if you promptly contact the FR team and submit the required documents.
Q: What should I remember when speaking to the Amex FR team?
A: Be prepared to explain your spending and provide accurate documentation.
Q: Can Amex claw back points even after I redeem them?
A: Yes, Amex can claw back points if the review results in account closure.
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