The American Express® Gold Card for Ameriprise Financial1

A special offer for Ameriprise Financial clients:

  • $0 introductory annual fee for the first year, then $125.2 View rates & fees
  • 2,500 Membership Rewards® points for every $10,000 in eligible spending, up to 20,000 additional Membership Rewards points per calendar year.3

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Membership Rewards Program4

Earn one point per dollar on eligible purchases you make with your Card. Then redeem points for retail, dining, travel, and entertainment rewards.

2,500 Membership Rewards points for every $10,000 in eligible spending, up to 20,000 additional Membership Rewards points per calendar per calendar year.3

Use Points For Your Charges5

Use your Card for retail, dining, travel or groceries, then go online and use points towards your eligible charges.

* Please note that Corporate Card Members with only the Corporate Card enrolled in the Membership Rewards program are not eligible for this reward.

Transfer Points

Transfer points to over 20 airline and hotel frequent traveler programs.6

1 The American Express® Gold Card is issued by American Express Bank, FSB. ©2014 American Express Bank, FSB. All rights reserved. Your ability to have this Card product is contingent on a relationship between you and Ameriprise Financial, Inc. If no relationship exists, or if your relationship with Ameriprise Financial ends, American Express has the right to cancel your Card account or transfer your account to another American Express Card product that will have different features and benefits.

2 Basic Gold Card: $0 introductory fee for the first year; then $125. Additional Cards: $0 introductory fee for the first year; then $35 for up to five Additional Cards and $35 for each Additional Card after the first five. Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

3 As an Ameriprise client, 2,500 additional points will be awarded to your Membership Rewards® program account for every $10,000 in Eligible Purchases on the Card. A maximum of 20,000 additional points can be earned in each calendar year. Eligible Purchases are purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional points will be credited to your program account within 6-8 weeks after the billing period in which you achieved $10,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Additional points will be awarded only on Gold Card Accounts obtained through an arrangement between American Express and Ameriprise. Additional point awards will cease upon termination of the arrangement between American Express and Ameriprise. Bonus ID: 0694. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

4 Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

5 Using Points for Your Charges is only available to Basic Consumer and OPEN Card Members enrolled in the U.S. Membership Rewards® program. Authorized agents, authorized account managers, Additional Card Members and Authorized Additional Card Members are not eligible. All Linked Card accounts must be in good standing. A minimum of 1,000 Membership Rewards points in your program account is required and you may use Membership Rewards points only toward the entire amount of an eligible charge. American Express will present the eligible charges you can use points towards, and we may change which charges are eligible at any time without notice. American Express is under no obligation to make charges available for redemption using Membership Rewards points. For each transaction, points will be debited immediately from your Membership Rewards program account and a credit will be issued to your Linked Card account for the corresponding dollar amount within 48 hours. Credits processed after the Card account’s statement closing date will appear in the following billing period. You are responsible for payment of the amount due on your Card account by the due date even after using this feature. To learn about this feature and redeem points online, visit membershiprewards.com/yourcharges.

6 Enrollment in a participating Frequent Flyer program is required. Airline tickets are subject to availability. For each conversion of points into the Frequent Flyer program of a U.S. airline, a fee of $0.0006 per point, with a maximum fee of $99, will be charged to your Card account. We charge this fee to offset the federal excise tax we must pay on such conversions. The fee may be more or less than the actual amount of the excise tax we pay on any individual conversion. We may offer you the option to redeem points to pay this fee.

Help Protect Your Eligible Shopping Purchases

Shop with more confidence knowing that eligible purchases charged on your Card can be covered by Return Protection4, Purchase Protection5, and Extended Warranty6.

Car Rental Loss and Damage Insurance7

When you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver at the rental car counter, you can be covered if the car is damaged or stolen. Please read important exclusions and restrictions. Not all vehicle types or rentals are covered. Coverage is not available for vehicles rented in Australia, Ireland, Israel, Italy, Jamaica, and New Zealand. This product provides secondary coverage and does not include liability coverage.

Roadside Assistance8

Whether you need a tow or a jumpstart, we'll send help your way 24 hours a day, 7 days a week. Emergency services like towing up to 10 miles, changing a flat, or jumpstarting a battery are a phone call away — even if you’re in your driveway — and we will pay for included services up to four times a year. There are some vehicle exclusions and other important restrictions. For more information, see www.americanexpress.com/roadside.

1 The American Express® Gold Card is issued by American Express Bank, FSB. ©2014 American Express Bank, FSB. All rights reserved. Your ability to have this Card product is contingent on a relationship between you and Ameriprise Financial, Inc. If no relationship exists, or if your relationship with Ameriprise Financial ends, American Express has the right to cancel your Card account or transfer your account to another American Express Card product that will have different features and benefits.

2 Basic Gold Card: $0 introductory fee for the first year; then $125. Additional Cards: $0 introductory fee for the first year; then $35 for up to five Additional Cards and $35 for each Additional Card after the first five. Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

3 As an Ameriprise client, 2,500 additional points will be awarded to your Membership Rewards® program account for every $10,000 in Eligible Purchases on the Card. A maximum of 20,000 additional points can be earned in each calendar year. Eligible Purchases are purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional points will be credited to your program account within 6-8 weeks after the billing period in which you achieved $10,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Additional points will be awarded only on Gold Card Accounts obtained through an arrangement between American Express and Ameriprise. Additional point awards will cease upon termination of the arrangement between American Express and Ameriprise. Bonus ID: 0694. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

4 Return Protection can refund you for eligible purchase(s) charged entirely on an eligible American Express® Card. Coverage is limited to 90 days from purchase, up to $300 per item and up to a maximum of $1,000 per Card Member account per calendar year. Shipping and handling costs for the purchase will not be refunded. Items are eligible if they are in "like new" condition and if they cannot be returned to the merchant from which they were originally purchased. Certain purchases are not eligible for refund, e.g. motorized vehicles, perishable items, computer software, cellular phones, and jewelry. Other important exclusions apply. Purchases must be made in the 50 United States of America, the District of Columbia, Puerto Rico or the U.S. Virgin Islands. You may be required to send the purchased item to us, in which case we will reimburse you for shipping cost. To be eligible for claim payment, your account must be in good standing. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

5 Purchase Protection is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0951, Policy AX0952, Policy AX0956, or Policy PP-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000105. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. consumable and perishable items, motorized vehicles and their parts or accessories, and items damaged partially or entirely by natural disaster or normal wear and tear. Other important exclusions apply. You will only be reimbursed for the amount charged to your eligible Card; coverage is limited up to USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For full Terms and Conditions, see americanexpress.com/PPterms.

6Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0953, Policy AX0954, Policy EW-AX0958, or Policy EW-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000104. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau, and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policy. Extended Warranty can extend the terms of the original manufacturer's warranty on warranties of five years or less. We match the length of the original warranty if the original manufacturer’s warranty is less than one year, and we provide one additional year if the original manufacturer’s warranty is between one year and five years. Shipping and handling costs for the purchase will not be refunded. Certain purchases are not covered, e.g. items with physical damage, damage as a result of natural disaster, software, motorized devices and vehicles and their parts. Other important exclusions apply. You will only be covered up to the amount charged on your eligible Card; coverage is limited up to a maximum of USD $10,000 per occurrence; not to exceed USD $50,000 per Card Member account per calendar year. You may be required to send the purchased item to us, in which case we will reimburse you for that shipping cost. This product is in excess of other warranty plans that you have in place for the eligible item. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. For full Terms and Conditions, see americanexpress.com/EWterms.

7 Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0925, Policy AX0926, Policy CRLDI-AX0927, or Policy CRLDI-IND. For residents of GU and MP, the Plan is underwritten by Tokio Marine Pacific Insurance Limited, Hagatna, Guam under Policy CRCB000000101. This benefit is not available to residents of American Samoa, Federated States of Micronesia, Marshall Islands, Palau and the US Minor Outlying Islands. Coverage is determined by the terms, conditions, and exclusions of the Policies applicable to your Card and is subject to change with notice. This document does not supplement or replace the Policies. Coverage applies for the first 30 days of a vehicle rental and when rented from a Car Rental Company.  Coverage is not available for ride-sharing companies that allow individuals to rent out their personal vehicle.  This policy does not cover some vehicles, e.g. full-sized sport utility vehicles, trucks, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $50,000 or more, and exotic cars, as described in the Terms and Conditions. To be eligible for claim payment, your account must be in good standing on the eligible card that maintains the original charge. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. This product provides collision damage to the rented vehicle but does not cover such things as injuries to you, any passenger in your insured vehicle, injury to other persons, or damages to other vehicles or property. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

8Premium Roadside Assistance provides the following services at no additional cost up to 4 times per calendar year when Card Member is present with the eligible vehicle: towing up to 10 miles, winching, jump starts, flat tire change when Card Member has a workable spare, lockout service when key is in vehicle and delivery of up to 2 gallons of fuel. Card Member will be charged for the costs of towing in excess of 10 miles and any other additional services. Coverage is available in the United States, Canada, Puerto Rico and the U.S. Virgin Islands. This product does not cover some vehicles, e.g. rental vehicles, motorcycles, taxicabs, unlicensed vehicles, tractors and trucks over 10,000 lbs gross vehicle weight. Other important exclusions apply. In case of inclement weather, we may be unable to provide you with services. Services may not be available or may be at the cost of the Card Member on roadways which restrict access to certain service providers. Subject to additional important terms, conditions and exclusions. For full Terms and Conditions, call 1-800-333-AMEX or see americanexpress.com/RAterms.

Additional Cards

Add Additional Cards to your account for an introductory annual fee of $0 for the first year, then $35 for up to 5 Additional Cards. Each additional Gold Card after first 5 Cards is $35.2 Set individual spending limits with Custom Limits®4 or add account alerts for more control. Eligible spending on Additional Cards will also get Membership Rewards points.

Year-End Summary5

Organizing your finances can be a time-consuming task. That’s why we provide a Year-End Summary5 of charges as one of the many features of managing your account online. You can analyze your annual expenses in pie or bar charts by categories like travel and restaurants. You can also download your information to print or save for a later date in PDF or Excel. With your charges itemized in one place, the Online Year-End Summary is a great tool you can rely on to help prepare your taxes and manage your spending. Learn more at americanexpress.com/yearendsummary.

Authorized Account Manager6

You may designate your financial advisor as the Authorized Account Manager for your Gold Card, which can help you manage your Card Account with ease.

No Preset Spending Limit

American Express Card has no pre-set spending limit, which gives you purchasing power that adjusts with your use of the Card and other factors.

No pre-set spending limit does not mean unlimited spending. Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.

1 The American Express® Gold Card is issued by American Express Bank, FSB. ©2014 American Express Bank, FSB. All rights reserved. Your ability to have this Card product is contingent on a relationship between you and Ameriprise Financial, Inc. If no relationship exists, or if your relationship with Ameriprise Financial ends, American Express has the right to cancel your Card account or transfer your account to another American Express Card product that will have different features and benefits.

2 Basic Gold Card: $0 introductory fee for the first year; then $125. Additional Cards: $0 introductory fee for the first year; then $35 for up to five Additional Cards and $35 for each Additional Card after the first five. Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

3 As an Ameriprise client, 2,500 additional points will be awarded to your Membership Rewards® program account for every $10,000 in Eligible Purchases on the Card. A maximum of 20,000 additional points can be earned in each calendar year. Eligible Purchases are purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional points will be credited to your program account within 6-8 weeks after the billing period in which you achieved $10,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Additional points will be awarded only on Gold Card Accounts obtained through an arrangement between American Express and Ameriprise. Additional point awards will cease upon termination of the arrangement between American Express and Ameriprise. Bonus ID: 0694. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.

4 When you request that we apply a limit as described below on Charges incurred by an Additional Card Member on your Account, you agree to these terms. These terms supplement, and are incorporated by reference into, the terms of your Card Member Agreement. At your request, we may agree to apply a limit to the total dollar amount of Purchases, during each billing period, that are charged to Card numbers associated with one or more specified Additional Card Members on your Account. At your request, we may agree to apply a limit to the total dollar amount of cash access transactions at ATMs, during each billing period, that are made using Card numbers associated with one or more specified Additional Card Members on your Account. If we agree to apply a limit, it is not a guarantee that the Additional Card Member will be able to make Purchases or cash access transactions up to the applicable limit. In applying any limit we will not take in to account any credits (such as for returned merchandise or for payments), even if a credit relates to a Purchase made by the Additional Card Member. Any request that we change a limit may not be effective until a subsequent billing period. Any Charges (as defined below) incurred by the Additional Card Member prior to the date during a billing period that we apply the limit will not be subject to the limit for that billing period. Because of systems or administrative considerations, arrangements with merchants, or for other business reasons, we may, but are not required to, treat some Purchases and/or cash access transactions (collectively, Charges) as not being subject to any such limits. You agree to pay all Charges without regard to whether any Charges exceed a limit, and you agree that we are not liable to you or any other person when a limit is not applied to any Charges and/or when Charges are incurred and billed that exceed a limit. While we typically require merchants to obtain an authorization for purchases and submit final transaction documentation for payment in a timely manner, a limit may not apply or may be exceeded when a merchant does not obtain an authorization for any reason; when a merchant obtains an authorization for a partial amount of the final charge submitted to us for payment; or when such submissions are not submitted or processed at the same time that the authorization is obtained. Examples may include, but are not limited to: Charges made outside of the U.S., in duty-free stores, or on board airplanes or cruise vessels; international airline ticket Purchases; vehicle rentals; lodging stays extended beyond original reservation period; certain mail order Purchases; Purchases billed on a recurring basis; Purchases at gas stations; telecommunications charges, including charges incurred with calling cards; taxicab charges; security deposits; late, damage or other fees in connection with rentals; Purchases billed in installments; restaurant tips and other gratuities; and Charges that occur before the end of billing period, if the Charge is posted to your Account after the Closing Date of that billing period. Any limit will not be applied to Charges for foreign currency or for travelers cheques or gift cheques obtained other than by telephone from us.

5 The Online Year-End Summary, available each January 1st, reflects charges posted to your account from January 1st through December 31st of the prior year.

6 Account Managers and Agents must be at least 18 years old.

24/7 Access

Enjoy access when you need it, from your mobile device, by phone, or online. View recent transactions, pay your Card account, redeem Membership Rewards points, and more from your mobile device. Call the number on the back of your Card anytime, 24 hours a day, 7 days a week to speak with a representative, or access your account anytime by logging in at americanexpress.com.

Assistance Against Unauthorized Charges

If your Card is used for unauthorized or fraudulent purchases, you won't be held responsible for the charges.

1 The American Express® Gold Card is issued by American Express Bank, FSB. ©2014 American Express Bank, FSB. All rights reserved. Your ability to have this Card product is contingent on a relationship between you and Ameriprise Financial, Inc. If no relationship exists, or if your relationship with Ameriprise Financial ends, American Express has the right to cancel your Card account or transfer your account to another American Express Card product that will have different features and benefits.

2 Basic Gold Card: $0 introductory fee for the first year; then $125. Additional Cards: $0 introductory fee for the first year; then $35 for up to five Additional Cards and $35 for each Additional Card after the first five. Foreign Transaction Fee: 2.7% of each transaction after conversion to US dollars.

3 As an Ameriprise client, 2,500 additional points will be awarded to your Membership Rewards® program account for every $10,000 in Eligible Purchases on the Card. A maximum of 20,000 additional points can be earned in each calendar year. Eligible Purchases are purchases for goods and services minus returns and other credits. Eligible Purchases do NOT include fees or interest charges, balance transfers, cash advances, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional points will be credited to your program account within 6-8 weeks after the billing period in which you achieved $10,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Additional points will be awarded only on Gold Card Accounts obtained through an arrangement between American Express and Ameriprise. Additional point awards will cease upon termination of the arrangement between American Express and Ameriprise. Bonus ID: 0694. Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice.