American Express · American Express

Annual fee

$895

Rewards

Membership Rewards

Earn rates

• 5x Flights and prepaid hotels booked on AmexTravel.com — Earn 5X Membership Rewards points on flights and prepaid hotels booked on AmexTravel.com. No cap stated on the page.
• 2x Key business categories, or purchases of $5K or more (up to $2,000,000/yr) — Page does not enumerate which categories count as 'key business categories'. Cap is 2X on up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses only receive the highest eligible bonus.
• 1x Other eligible purchases — Base rate. Page's rewards table shows '1X POINTS / On Other Eligible Purchases / Terms and limitations apply.'

Foreign transaction fee

None

Issuer rules

• Applying does not impact your personal credit score; accepting the Card may. Applying may impact your business credit score.
• The streamlined application process may not be available if you leave the page and return later.
• No Preset Spending Limit: the amount you can spend adapts based on purchase, payment, and credit history rather than a fixed limit.
• 2X earning is capped at $2 million of qualifying purchases per calendar year.
• Purchases eligible for multiple additional point bonuses only receive the highest eligible bonus.
• 35% Pay with Points airline rebate is capped at 1,000,000 points back per calendar year.

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