No annual fees No hidden fees 0% introductory APR As low as 7.99% ongoing APR Credit limits of up to $100,000 Online balance transfers Rewards for using your card 24-Hour Online Account Access Travel insurance Fraud Protection

Transfer Balances Fee-Free
Transfer balances from your higher-rate MasterCard®, Discover®, and Visa® cards to your American Express® Card account -with no transaction fee! Then enjoy the low APR: 8.90% for life of balance!

Access Your Account Online
You can view up-to-date billing information online, including transactions, charges, and payments.

Unparalleled Customer Service, 24 hours a day
American Express is here to help you around the clock, with the kind of Customer Service that keeps Cardmembers loyal for a lifetime. For immediate service, call the phone number on the back of your Card.

Your Year-End Summary
Your Year-End Summary of charges can take the hassle out of bookkeeping. All your Card purchases will be conveniently itemized and listed in categories, such as lodging and merchandise. It's an indispensable tool for preparing taxes and budgeting. To receive your Year-End Summary, call 1-800-430-1000.

Best Value Guarantee
With the Best Value Guarantee, you'll pay the lowest price available on items purchased with the Card. If you see a covered item advertised in print for less than you paid within 60 days of the purchase date, we'll refund the difference to you, up to $250 per item.

Buyer's Assurance
The Buyer's Assurance Plan extends the terms of the original manufacturer's warranty on a covered product purchased entirely with the Card up to one additional year on U.S. warranties of five years or less.

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.

Purchase Protection Plan
The Purchase Protection Plan provides added protection-at no extra cost-for accidental damage to or theft of covered items purchased with the Card.

Return Protection
Return Protection lets you return a covered item purchased with the Card [ even if you purchased it online ] when the merchant won't take it back. Just contact us within 90 days of the purchase, and you will be credited for the full purchase price, up to $300 per covered item.

Car Rental Loss and Damage Insurance
Car Rental Loss and Damage Insurance offers security when you rent a car with an eligible card. Simply use the eligible Card to reserve and pay for the rental, and decline the collision damage waiver usually offered by the car rental company.

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542 or visiting one of over 1700 Travel Service Office locations worldwide. While the temporary replacement cards issued in this manner will not contain the Costco membership information, a permanent replacement card with this information will arrive at your billing address within 7-10 days.

Express Cash
Access your credit line 24 hours a day at more than 475,000 ATMs worldwide with Express Cash. To activate Express Cash, simply call 1-800-CASH-NOW (1-800-227-4669).

Global Assist® Hotline
Whether you're close to home or traveling abroad, the Global Assist Hotline offers valuable pre-trip information, including visa and inoculation requirements, customs and VAT regulations, and foreign exchange rates, as well as medical and legal referrals, toll-free. Within the U.S., call 1-800-554-AMEX (1-800-554-2639); outside the United States, call 1-715-343-7977.

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).