The Savings@Work® ("SaW") program is a benefit provided by American Express to its eligible Corporate Card clients ("Company" or "Companies") through which a Company earns point-of-sale discounts ("SaW Discount") or annually disbursed rebates ("SaW Rebates") (SaW Discount and SaW Rebates, collectively, "SaW Benefit") on qualifying charges made using the American Express Corporate Card (“Card”) issued in the US with participating SaW partners. SaW Benefits are available only to Companies and are not available to individuals. For the most recent listing of SaW partners, see
To be an eligible Corporate Card client who receives notification of SaW Discount offers, a company must be an active Corporate Card client. American Express determines company eligibility and company eligibility may change at any time.
Only charges made with a Corporate Card qualify for SaW Rebate. Companies that comprise American Express’ Global and Large Client Group are ineligible for SaW Rebate. Charges on OPEN® Card products are ineligible for SaW Rebate.
Please call 1-888-800-8564 to find out more about the SaW program, your company’s eligibility and how to opt out of the SaW program.
Qualifying charges for SaW Benefits include tips, gratuities, taxes, delivery fees, surcharges and any other amounts included in the charge as billed minus returns and other credits.
The SaW Rebate is determined annually at calendar year-end and disbursed to Company directly (not individual Card Members) within ten (10) to twelve (12) weeks after the end of the applicable calendar  year. SaW Rebate will be based on qualifying charges made in the preceding calendar year.  If Company's aggregate annual SaW Rebate is less than $10, Company will not receive a SaW Rebate. In order for Company to receive SaW Rebate for a specific qualifying charge, the participating SaW partner must be shown as the merchant of record on Card statement.
Some charges may be ineligible for SaW Benefits depending on SaW partner and such SaW partner's terms. SaW Benefits vary depending on SaW partner. See SaW partner exceptions below for details. American Express and its SaW partners may provide additional offers through or in conjunction with the SaW program. Such offers may not be available through, and additional terms, conditions and restrictions may apply. Some American Express or SaW partner offers may not be available to Company and may not be used in combination with existing Company discounts.
All Company transactions with SaW partners are between the Company and SaW partner and not American Express, and may be subject to additional SaW partner terms and conditions not otherwise set forth in these Terms and Conditions. American Express is not liable to Company for any damages, charges, or other monetary obligations arising from any dispute, claim or issue arising directly or indirectly from said transactions, or the failure to consummate same. For SaW partners who initiate their participation in the SaW program during the course of the calendar year, the SaW Benefit will be paid on qualifying charges made only after the SaW partner's start date in the SaW program.
American Express reserves the unconditional right to amend, alter, or terminate the SaW program, these Terms and Conditions, any Company's participation and all related program offers, in whole or in part, in its sole discretion at any time without notice.
Savings@Work, American Express, and the American Express logo are registered trademarks of American Express and used under limited license.