The Platinum Card® from American Express for Ameriprise Financial1

A special offer for Ameriprise Financial clients:

  • $0 introductory annual fee for the first year, then $450.2 View rates & fees
  • 5,000 additional Membership Rewards® points for every $20,000 in eligible spending, up to 30,000 additional Membership Rewards points annually.3

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AIRPORT CLUB ACCESS AND PRIORITY PASS SELECT

The Platinum Card comes with complimentary airport lounge access to The Centurion℠ Lounge4, Delta Sky Clubs®5, and Airspace Lounges6 and you can enroll in Priority Pass Select7 at no additional cost. These programs provide you access to over 700 domestic and international airport lounges.

$200 Airline Fee Credit8

Select a qualifying airline and then receive up to $200 a year in statement credits when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to your Platinum Card® Account.*

*American Express relies on accurate airline transaction data to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 4 weeks, simply call the number on the back of your Card. See terms & conditions for more details.

No Foreign Transaction Fees9

There are no fees for foreign transactions made with your Platinum Card.

Fee Credit for Global Entry or TSA Pre✓™10

  • You can receive one Global Entry ($100) statement credit or one TSA Pre✓™ ($85) statement credit every 5 years for an application fee charged to the Platinum Card.
    • If approved for Global Entry or TSA Pre✓™, spend less time waiting at select airports
    • Choose the option that best suits your travel needs:
    • For travel from select domestic airports, TSA Pre✓™ can expedite security screening
    • For international travel, Global Entry can reduce wait time at US Customs when you return to the US at select airports. If approved for Global Entry, at no additional charge, you will receive access to TSA Pre✓™.
    • Each Additional Card on eligible Business and Consumer Card accounts is also eligible for one statement credit every 5 years for an application fee. To receive the statement credit, the application fee must be charged on the eligible Additional Card. Each Corporate Card account is eligible for only one statement credit.

    To learn more about the benefit and read the full terms and conditions, click here

1. The Platinum Card® from American Express is issued by American Express Bank, FSB. ©2015 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 Platinum Card: $0 introductory fee for the first year; then $450. Additional Platinum Cards: $0 introductory fee for the first year; then $175 for up to three Additional Platinum Cards and $175 for each Additional Platinum Card after the first three. Additional Gold Cards: $0 introductory fee for the first year; then $45 for up to five Additional Gold Cards and $45 for each Additional Gold Card after the first five. Foreign Transaction Fee: None.

3. As an Ameriprise client, 5,000 additional points will be awarded to your Membership Rewards® program account for every $20,000 in Eligible Purchases on the Card. A maximum of 30,000 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 $20,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Additional points will be awarded only on Platinum 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: 0695.

4. The Platinum Card® Member must present his or her valid Card, a boarding pass showing a confirmed reservation for same-day travel on any carrier and a government-issued I.D. A Card Member must be at least 18 years of age to enter without a parent or guardian. For lounges with a self-service bar, the Card Member must be 21 years of age to enter a lounge without a parent or legal guardian. Must be at least 21 years of age to consume alcoholic beverages. Please drink responsibly. Access is subject to space availability. Locations and hours are subject to change. Use of The Centurion Lounge is subject to all rules and conditions set by American Express. American Express reserves the right to revise the rules at any time without notice.
© 2015 American Express Travel Related Services Company, Inc. All rights reserved.

5. The Platinum Member must present his or her valid Card, government-issued I.D., and same-day corresponding airline ticket to club agents. Code-share and affiliated lounge agreements may not apply to provide complimentary club access in all cases. Age requirements and policies for admittance to airport club lounges vary by airline and location. Card Members must adhere to all house rules of participating clubs. Participating airport clubs and locations subject to change without notice. Additional guest access and fees subject to terms and conditions of participating airport clubs. For the most current Delta Sky Club access and pricing policy, please visit Delta.com/skyclub.

6 This benefit is available to Consumer and Business Platinum Card® and Centurion® Card Members (“Card Member”). Card Member must present his or her valid Card and government-issued I.D. Ticket not required for Airspace Lounges. In some cases, Card Member must be 21 years of age to enter without a parent or guardian. The Card Member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Card Member must adhere to all house rules of participating lounges. Card Members and his or her guests will receive all of the complimentary benefits and amenities afforded to the Airspace Lounge customers, as well as access to purchase non-complimentary items. Some product features may be subject to additional charges. Airspace Lounge locations are subject to change.

7. These Terms and Conditions govern Platinum Card Members' participation in and use of the Priority PassTM Select program. Priority Pass is an independent airport lounge access program. By enrolling in Priority Pass Select, you agree that you will be responsible for all accompanying guest visits and will be automatically charged $27 per guest to your Platinum Card® from American Express after you have signed for the visit and it has been reported to Priority Pass by the participating lounge. Additionally, you acknowledge and agree that American Express will verify your Card account number and provide updated Card account information to Priority Pass from time to time. Priority Pass will use this information to fulfill on the Priority Pass Select program and may use this information for marketing related to the program. Once enrolled, Platinum Card Members in good standing may access participating Priority Pass Select lounges by presenting your Priority Pass Select card and airline boarding pass. In some lounges, Priority Pass Select member must be 21 years of age to enter without a parent or guardian. Priority Pass Select members must adhere to all house rules of participating lounges. Amenities may vary among airport lounge locations. Conference rooms, where available, may be reserved for a nominal fee. Priority Pass Select lounge partners and locations are subject to change. All Priority Pass Select members must adhere to the Priority Pass Conditions of Use, which will be sent to you with your membership package, and can be viewed at www.prioritypass.com. Upon receipt of your enrollment information, Priority Pass will send your Priority Pass Select card and membership package which you should receive within 10-14 business days. If you have not received the Priority Pass card after 14 days, please contact American Express using the number on the back of your American Express® Card. Please note, Additional Gold Card Members are not eligible for membership.

8. Benefit is available to Consumer and Business Platinum Card® and Centurion® Members only. To receive statement credits of up to $200 per calendar year toward incidental air travel fees, Card Member must select a qualifying airline at www.americanexpress.com/airlinechoice. Only the Basic Card Member or Authorized Account Manager(s) on the Card Account can select the qualifying airline. Card Members who have not chosen a qualifying airline will be able to do so at any time. Card Members who have already selected a qualifying airline will be able to change their choice one time each year in January at www.americanexpress.com/airlinechoice or by calling the number on the back of the Card. Card Members who do not change their airline selection will remain with their current airline. Statement Credits: Incidental air travel fees must be charged to the Card Member on the eligible Card Account for the benefit to apply. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of $200 per calendar year in statement credits across all Cards on the Account. Incidental air travel fees must be separate charges from airline ticket charges. Fees not charged by the Card Member’s airline of choice (e.g. wireless internet and fees incurred with airline alliance partners) do not qualify for statement credits. Incidental air travel fees charged prior to selection of a qualifying airline are not eligible for statement credits. Airline tickets, upgrades, mileage points purchases, mileage points transfer fees, gift cards, duty free purchases, and award tickets are not deemed to be incidental fees. The airline must submit the charge under the appropriate merchant code, industry code, or required service or product identifier for the charge to be recognized as an incidental air travel fee. Please allow 2-4 weeks after the qualifying incidental air travel fee is charged to your Card Account for statement credit(s) to be posted to the Account. We rely on airlines to submit the correct information on airline transactions, so please call the number on the back of the Card if statement credits have not posted after 4 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. To be eligible for this benefit, Card Account(s) must be active and not in default at the time of statement credit fulfillment. If a charge for any incidental air travel fee is included in a Pay Over Time feature balance on your Card Account (for example, Sign & Travel), the statement credit associated with that charge may not be applied to that Pay Over Time feature balance. Instead, the statement credit may be applied to your Pay In Full balance. For additional information about this benefit, call the number on the back of your Card.

9. American Express will not charge any foreign transaction fee on the purchases you make outside of the United States with your Card. However, there may be circumstances where ATMs or merchants charge a fee on these transactions.

10.Fee Credit for Global Entry or TSA Pre✓
The benefit is available to (i) Corporate Gold Card Members, (ii) Consumer Platinum Card® Members, Corporate Platinum Card® Members and Business Platinum Card® Members, and (iii) Centurion® Card Members. The benefit is also available to Additional Card Members on eligible Consumer and Business Card accounts. To receive the statement credit, Additional Card Members must charge the application fee to the eligible Additional Card account. Card Members are eligible to receive one (1) statement credit every five (5) years for the application fee for either Global Entry or TSA Pre✓ when charged to an eligible Card. Card Members will receive a statement credit for the first program (either Global Entry or TSA Pre✓ ) to which they apply and pay for with their eligible Card regardless of whether they are approved for Global Entry or TSA Pre✓. However, Card Members can receive no more than one $85 credit or $100 credit, depending on which program the Card Member first applies for, every 5 years for an application fee charged to an eligible Card. American Express has no control over the application and/or approval process for Global Entry or TSA Pre✓, and does not have access to any information provided to the government by the Card Member or by the government to the Card Member. American Express has no liability regarding the Global Entry or TSA Pre✓ Programs. U.S. Customs and Border Protection (CBP) (for Global Entry) and U.S. Transportation Security Administration (TSA) (for TSA Pre✓) charge an application fee to process each respective application regardless of whether the Card Member’s application is approved. American Express will provide a statement credit for the application fee regardless of the decision made by CBP (for Global Entry) or TSA (for TSA Pre✓) but will not provide a statement credit for subsequent application fees charged to the same eligible Card within five (5) years, even if the original application is rejected.
Membership for Global Entry or TSA Pre✓ is per person, and a separate application must be completed for each individual.
For additional information on the Global Entry or TSA Pre✓ programs, including information regarding the application and/or approval process and for a list of participating airlines and airports, as well as the full terms and conditions of the programs, please go to www.globalentry.gov for Global Entry and www.tsa.gov for TSA Pre✓. The Global Entry or TSA Pre✓ programs are subject to change, and American Express has no control over those changes.
The statement credit benefit applies to the Global Entry or TSA Pre✓ programs only. Other program applications including, but not limited to, NEXUS, SENTRI, and Privium are not eligible for the statement credit benefit.
Please allow 6-8 weeks after the qualifying Global Entry or TSA Pre✓ transaction is charged to the eligible Card account for the statement credit to be posted to the Card account. Card Members are responsible for payment of all application charges until the statement credit posts to the Card account. To be eligible for this benefit, Card account(s) must be active and not in default at the time of statement credit fulfillment.
Global Entry Fee Credit Option:
Global Entry is a CBP program that allows expedited clearance for pre-approved, low-risk international travelers upon arrival in the United States. Global Entry membership also includes access to the TSA Pre✓ program with no additional application or fee required. If a Card Member applies separately for TSA Pre✓ with the same eligible Card, the TSA Pre✓ application fee is not eligible for a statement credit.
To receive the $100 Global Entry statement credit, Card Members must pay for the $100 Global Entry application fee with an eligible Card. Additional Cards on eligible Consumer and Business accounts are also eligible for the $100 statement credit. To receive the statement credit, the Global Entry application fee must be charged on the eligible Additional Card. Global Entry members can opt-in to TSA Pre✓ by entering their Global Entry membership number (PASS ID) in the "Known Traveler Number" field each time a flight reservation is made on a participating airline. Alternatively, Card Members can add their Global Entry PASS ID to their frequent flyer profile(s) with the participating airline(s) and then ensure that their frequent flyer number is entered for each flight booking. If approved, membership into the Global Entry program is valid for 5 years and subject to the program’s terms and conditions.
TSA Pre✓ Fee Credit Option: TSA Pre✓ is an intelligence-driven risk based program managed by TSA that allows low-risk travelers to experience faster, more efficient screening at participating U.S. airport checkpoints for domestic and international travel. The TSA Pre✓ application program is a DHS Trusted Traveler program. TSA began accepting TSA Pre✓ applications on Wednesday, Dec. 4, 2013. Enrolling in TSA Pre✓ does not guarantee selection for expedited screening each time a passenger travels.
To receive the $85 TSA Pre✓ statement credit, Card Members must pay for the $85 TSA Pre✓ application fee with an eligible Card. Additional Cards on eligible Consumer and Business Card accounts are also eligible for the $85 statement credit. To receive the statement credit, the TSA Pre✓ application fee must be charged on the eligible Additional Card. If approved, Membership into the TSA Pre✓ program is valid for 5 years and subject to the program’s terms and conditions.

Year-End Summary11

Organizing your finances can be a time-consuming task. That’s why we provide a Year-End Summary11 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/yes.

Authorized Account Manager12

You may designate your financial advisor as the Authorized Account Manager for your Platinum 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.

Additional Cards

Add Additional Cards to your account for an introductory annual fee of $0 for the first year, then $175 for up to 3 Additional Platinum Cards.3 Set individual spending limits with Custom Limits®13 or add account alerts for more control. Eligible spending on Additional Cards will also get Membership Rewards points.

1. The Platinum Card® from American Express is issued by American Express Bank, FSB. ©2015 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 Platinum Card: $0 introductory fee for the first year; then $450. Additional Platinum Cards: $0 introductory fee for the first year; then $175 for up to three Additional Platinum Cards and $175 for each Additional Platinum Card after the first three. Additional Gold Cards: $0 introductory fee for the first year; then $45 for up to five Additional Gold Cards and $45 for each Additional Gold Card after the first five. Foreign Transaction Fee: None.

3. As an Ameriprise client, 5,000 additional points will be awarded to your Membership Rewards® program account for every $20,000 in Eligible Purchases on the Card. A maximum of 30,000 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 $20,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Additional points will be awarded only on Platinum 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: 0695.

11. 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.

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

13. 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. The Spending Limit is optional. If no spending limit is set on the Additional Card, spending capacity on this Card will be subject to the Basic Card Member's account terms and conditions.

Earn Membership Rewards Points14, 15, 16

Earn one point per dollar on eligible purchases you make with your Card. Plus, you can earn 2X Membership Rewards® points on each dollar of eligible purchases made when you book on the American Express Travel website.

Use Membership Rewards Points14

Choose rewards from over 500 leading brands in travel, shopping, dining and entertainment. Points have no expiration date and rewards start at just 1,000 points. Transfer points to our selection of frequent traveler programs. Visit membershiprewards.com to view all redemption options.

1. The Platinum Card® from American Express is issued by American Express Bank, FSB. ©2015 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 Platinum Card: $0 introductory fee for the first year; then $450. Additional Platinum Cards: $0 introductory fee for the first year; then $175 for up to three Additional Platinum Cards and $175 for each Additional Platinum Card after the first three. Additional Gold Cards: $0 introductory fee for the first year; then $45 for up to five Additional Gold Cards and $45 for each Additional Gold Card after the first five. Foreign Transaction Fee: None.

3. As an Ameriprise client, 5,000 additional points will be awarded to your Membership Rewards® program account for every $20,000 in Eligible Purchases on the Card. A maximum of 30,000 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 $20,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Additional points will be awarded only on Platinum 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: 0695.

14. 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.
The value of Membership Rewards points varies according to how you choose to use them. To learn more about point value, go to www.membershiprewards.com/pointsinfo

15. Eligible purchases are travel purchases, excluding car reservations, non-prepaid hotels, and Fine Hotels & Resorts and The Hotel Collection bookings, booked through amextravel.com on your Membership Rewards program-enrolled American Express® Card. To earn 2X points on each dollar of eligible purchases, you must charge air, prepaid hotel, vacation packages (flight + hotel packages), American Express Vacations packages or cruise reservations through amextravel.com to your eligible, Membership Rewards program-enrolled American Express Card. Any portion of a charge that you elect to pay through redemption of Membership Rewards points is not eligible to earn points. Bonus ID A2EM (Air, Hotel, and vacation packages); Bonus ID 5432 (Cruise); Bonus ID 6955 (American Express Vacations Packages). Extra points will be credited to the Membership Rewards account 10-12 weeks after final payment is made. See membershiprewards.com/terms for the Membership Rewards program terms and conditions.

16. American Express Travel Related Services Company, Inc. acts solely as sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. We want you to be aware that certain suppliers pay us commissions and other incentives for reaching sales targets or other goals, and may also provide incentives to our travel counselors. For more information please visit www.americanexpress.com/travelterms California CST#1022318, Washington UBI #600-469-694, Iowa TA#002, Nevada NV#2001-0126.

World Class Service

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.

Platinum Card Concierge17

Our Platinum Card Concierge staff is happy to take on those personal tasks so you can have time to do what you want. From help with restaurant reservations and special event planning to gift suggestions and research, the Platinum Card Concierge staff is always prepared to assist you day and night.

Access to Retail Benefits

Use your Card for all of your eligible purchases and you can have access to Return Protection18, Purchase Protection19, and Extended Warranty20.

Car Rental Loss and Damage Insurance21

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.

Premium Roadside Assistance22

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 Platinum Card® from American Express is issued by American Express Bank, FSB. ©2015 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 Platinum Card: $0 introductory fee for the first year; then $450. Additional Platinum Cards: $0 introductory fee for the first year; then $175 for up to three Additional Platinum Cards and $175 for each Additional Platinum Card after the first three. Additional Gold Cards: $0 introductory fee for the first year; then $45 for up to five Additional Gold Cards and $45 for each Additional Gold Card after the first five. Foreign Transaction Fee: None.

3. As an Ameriprise client, 5,000 additional points will be awarded to your Membership Rewards® program account for every $20,000 in Eligible Purchases on the Card. A maximum of 30,000 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 $20,000 of Eligible Purchases, provided that your Card Account is open and in good standing on the bonus crediting date. Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. Additional points will be awarded only on Platinum 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: 0695.

17. There is typically no cost to you for most efforts. Concierge consultants perform on your behalf, although you are responsible for any purchases and/or shipping charges you authorize. Fees may apply for meetings and event planning. We reserve the right to note profile and preference data for servicing purposes.

18. 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, 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 on the eligible card that maintains the original charge. Return Protection is subject to additional important terms, conditions and exclusions. For full Terms and Conditions, see americanexpress.com/RPterms.

19. 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 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.

20. Extended 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 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.

21. 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, off-road vehicles, cars with an original manufacturer's suggested new retail price of USD $75,000 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 damages to other vehicles or property, or injury to other persons. For full Terms and Conditions, see americanexpress.com/CRLDIterms.

22. Premium 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 availablein 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.