Shopping with the Card
Online Fraud Protection Guarantee
Use the American Express Card online, and you won't be responsible for any unauthorized charges. Period. No fine print, no deductible - just pure protection, so you can shop with confidence anywhere on the Internet.
Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item. 2
Buyer's Assurance
With the Buyer's Assurance Plan you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S. 3
Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase. 4
Traveling with the Card
Car Rental Loss and Damage Insurance
Did you know that you are covered under the Car Rental Loss and Damage Insurance Program - at no additional charge? Simply use your Card to reserve, pick up, and pay for an auto rental. See the Description of Coverage or call 1-800-338-1670 for full details. 5
Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-888-BLUE-741 or visiting one of over 1700 Travel Service Office locations worldwide.
Express Cash
Access your credit line 24 hours a day at more than 500,000 ATMs worldwide with Express Cash. To activate Express Cash, simply call 1-800-CASH-NOW (1-800-227-4669). 6
Global Assist® Hotline
Wherever you travel, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage, and more. 7
Travel Accident Insurance
Travel Accident Insurance provides up to $100,000 in accidental death and dismemberment insurance while traveling on a common carrier (plane, train, ship, or bus) when the entire fare has been charged to the Card. 8
Assured Reservations
Use your Blue Cash to book your hotel rooms, and we'll guarantee your room until check-out time the following day.
Please view the Card Terms & Conditions for more information.
1 Your annual cash reward for everyday purchases at stand-alone U.S. supermarkets, gas stations, drugstores, and home improvement stores is up to 3%. Stand-alone locations do not include the departments of superstores or warehouse clubs where the standard rebate of up to 1.5% applies. Your annual cash reward for all other purchases is up to 1.5%. You will receive an additional rebate of up to 2% in months in which your account carries a balance. Your cash rewards are limited to $50,000 of annual eligible spending. Balance transfers, purchases of American Express® Travelers Cheques or American Express® Gift Cheques and Cash Advances do not earn a cash back reward. The cash back reward structure is as follows:
| Total Annual Spend |
Cash Back on Everyday Purchases |
Cash Back on Other Purchases |
| Up to $2000 |
0.5% |
0.25% |
| $2,001-$6,000 |
1.00% |
0.50% |
| $6,001 - $50,000 |
3.00% |
1.50% |
Bonus % if you carry
a balance |
2.00% |
0.50% |
2 Coverage is limited to $1,000 annually per Card Account and is subject to additional terms, conditions, and exclusions. For more information please call 1-800-297-8019.
3 Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0953.
4 Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions, and exclusions of Policy AX0951.
5 Coverage is underwritten by AMEX Assurance Company (Administrative Office, De Pere, WI) and is subject to the terms, conditions, and exclusions of Master Policy AX0925. See Description of Coverage for full details.
6 All transactions are subject to a 3% or $5.00 fee, whichever is greater, with no maximum. In addition, there is a 1% fee charged for Travelers Cheque transactions. Funds are drawn against cash advance limits, subject to a limit of $1,000-$3,500 (depending on which American Express ® Card is used) every 7 days, and any other limits that banks may impose.
7 While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers. For assistance, call 1-800-554-AMEX. Outside the U.S., call collect at 715-343-7977.
8 Underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is subject to the terms, conditions and exclusions of Policy AX0948.
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Blue CashSM from American Express®
