Frequently Asked Questions Benefit Terms

1. The Membership Rewards program: Enrollment required. The annual program fee to enroll a Corporate Card is $90. The annual fee to enroll a Global Dollar Card Corporate Card is $75. Some Corporate Cards are not eligible for enrollment. Participating Membership Rewards partners, available rewards, and point levels are subject to change without notice. Eligibility is based upon company’s participation in the Membership Rewards program. For full Terms and Conditions of the Membership Rewards program, please see membershiprewards.com/terms. 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.

2. Business Travel Accident Insurance: Business Travel Accident Insurance is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, 15 Mountain View Road, Warren, New Jersey 07059. Covered products include Corporate Cards and Business Travel Accounts in US and US Global Dollar Card Programs. Notwithstanding the above, a Client may have negotiated a different benefit amount. This literature is descriptive only. Actual coverage is subject to the terms, conditions, and exclusions of policy 6477-82-04. Please refer to your Description of Coverage for all terms, conditions, and exclusions.

3. Baggage Insurance Plan: American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ under Policy AX0400, or Policy BIP-IND. 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. To be covered, you must pay the entire fare for travel on a Common Carrier (e.g. plane, train, ship, bus, except charters) with your eligible Card. Entire Fare means the cost of the full fare for a Covered Trip on a Common Carrier. You can pay for all of the cost in U.S. dollars, or use both dollars and American Express Membership Rewards® Points. But if you use frequent flyer miles or points from another program to pay for all or part of the fare, you will not be covered. To be eligible for claim payment, your account must be in good standing. This product provides secondary coverage. This means it pays eligible benefits not paid by any primary insurance that you have. For lost checked baggage, a written report of the loss must be filed with the Common Carrier. For carry-on baggage, a written report of the loss must be filed with a local law enforcement agency if theft is suspected.