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American Express^® Preferred Rewards Gold Card

Gold benefits, with exceptional shopping and entertainment rewards
With the American Express^® Preferred Rewards Gold Card, you'll be a part of the Membership Rewards Options^SM program, which automatically turns your purchases into points you can redeem for your choice of shopping, entertainment, and travel rewards.

The American Express Preferred Rewards Gold Card makes it easy to manage your finances because it is a charge card rather than a credit card. You'll have the flexibility of no pre-set spending limit and, at the same time, you know you are always in control with the Card because you pay your bill in full each month.

• Earn 1 point for virtually every dollar you spend on Card purchases
• Redeem points for rewards from 21 airlines, hundreds of hotels worldwide, vacation packages, over 50 cruise itineraries, and spa retreats
• Transfer points into 11 frequent flyer programs -- 1 point for 1 airline mile with most programs
• Redeem points for rewards from over 50 of the finest names in shopping and entertainment, including Banana Republic, Saks Fifth Avenue, COACH^®, Dell^TM Computer, Callaway^® Golf, and The Sharper Image^®
• Points have no expiration date
• There is no limit to the number of points you can earn

Gold Card Events
Get your hands on the most sought-after tickets in major cities across the U.S. from concerts and shows, to major league sports-often in advance of public sale, and exclusively for Gold Card, Platinum Card^®, and Centurion Card ® members.

Manage Your Card Account Online
You can view up-to-date billing information online, including transactions, charges, payments, and check your Membership Rewards account.

Your Year End Summary: Now Available Online
Your new Online Year End Summary of Charges gives you access to important information 24 hours a day, seven days a week. Flexible features make organizing your expenses a snap - download the Summary and print it out; sort by date, merchant name, or charge amount; review charges made within a category, such as Travel and Restaurant. Your Year End Summary is an indispensable tool for preparing taxes and budgeting. You may also receive a paper Year End Summary in the mail by calling the number on the back of your Card.

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

Shopping with the Card:

Fraud Protection Guarantee
Use the American Express Card online or off, and you won't be held responsible for any unauthorized charges. Period. No fine print, no deductible-just pure protection, so you can shop with confidence.

Return Protection
If you try to return a designated item within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the full purchase price, up to $300 per item, excluding shipping and handling and up to a maximum of $1,000 annually per Card Account

Save in the Offer Zone^SM from American Express
Offers, savings, entertainment, and special events. The Offer Zone puts together great brands, Online Extras^SM, and much more - all in one great place.

Buyer's Assurance Plan
With the Buyer's Assurance Plan, you can shop worry-free knowing that the terms of the original manufacturer's warranty will be matched up to one additional year, on warranties of five years or less that are eligible in the U.S.

Purchase Protection Plan
Shop with confidence and the Purchase Protection Plan, which protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.⁶

Traveling with the Card:

American Express Preferred Rewards Travel Service
It pays to let American Express Travel plan your family or traveling party's vacation! Now, when you use the Card to book your getaway with American Express Travel, you'll not only enjoy a perfectly planned vacation, but if you qualify you'll also receive a credit to your account of up to $100 once a year. Call 1-866-AXP-6805 to learn more.

Global Assist^® Plus Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, roadside assistance, cash access and more.

Baggage Insurance Plan
Travel in comfort knowing you are covered by the Baggage Insurance Plan when you purchase your Common Carrier tickets on your Card. Coverage is provided for up to $1,250 for carry-on baggage and $500 for checked baggage.

Emergency Check-In
Emergency Check-In enables a Cardmember to check into a hotel and charge his/her stay with the Card, even if the Card has been lost or stolen.

Assured Reservations
Guarantee all your hotel and motel reservations with your American Express Card account and your room will be waiting for you even if you arrive late. If you have an assured reservation and your room is not available, the hotel or motel will provide you with a comparable room that is nearby, along with transportation to your new location and a 3-minute phone call.

Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements.

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542.

Travel Accident Insurance
Protect yourself and your family with up to $100,000 in Travel Accident Insurance*. Automatic coverage for accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, helicopter, ship, or bus) when the entire fare has been charged to the Card.

Emergency Check Cashing
Get access to cash when you need it most, at more than 1,700 American Express Travel Service locations worldwide. You can receive up to $10,000 per account every 30 days in the U.S. and abroad.

• First Year Fee-Free
• Get 10,000 Bonus Membership Rewards points redeemable for Rewards right away
• The Membership Rewards® program — a fast, flexible rewards program that lets you redeem travel rewards on over 21 airlines
• Gold Card Events—exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide