Amazon Rewards Program Agreement

Last modified: December 7, 2023

1. Important information about the program and this

agreement

Your Amazon Business American Express

Card/Amazon Business Prime American Express

Card Account is issued by American Express

National Bank. The Amazon rewards program is

offered by Amazon and American Express. This

document describes how the Amazon rewards

program works and is an agreement between you,

Amazon and American Express. You agree that use

of your Card Account or any feature of this

program indicates your acceptance of the terms of

this agreement. In this document, the following

words have special meanings:

• “Additional Card Member” is defined in the Card

Member Agreement for your Card Account

• “agreement” means this document

• “Amazon” means Amazon Services LLC and its affiliates

• “Amazon.com” means the website accessible at

Amazon.com

• “Amazon Account” means the Amazon.com or Amazon

Business Account from which you apply for your Card

Account

• “Amazon Books” means Amazon Books locations in the

U.S.

• “Amazon Business” means the business or businesses

operating in the U.S. as Amazon Business

• “Amazon Go” means Amazon Go locations in the U.S.

• “AWS” means the business or businesses operating in

the U.S. as Amazon Web Services

• “Basic Card Member” means the person who applied

for the Card Account or to whom we address billing

statements

• “Card Account” means the Credit Card Account

associated with your Amazon Business American

Express Card/Amazon Business Prime American

Express Card, or any Account number used by

you to access your Credit Card Account

• “Company” means the business for which the

Card Account is established

• “Credit Card” or “Card” means the physical

Card associated with your Card Account

• “designated Amazon properties” is defined in

section 3 of this agreement titled “Amazon

rewards option”

• “eligible Prime membership” means a current

Prime membership or Business Prime

membership, as determined by Amazon and

governed by the Prime or Business Prime terms

and conditions. Please visit

Amazon.com/businesscard to learn more about

eligible Prime memberships

• “eligible purchases” is defined in the section 4

of this agreement titled “How you can earn %

Back rewards”

• “Payment Terms” means that a charge

associated with a purchase subject to Payment

Terms will not become due and will not begin

to accrue interest for a predetermined period

of time. We may also refer to this as 90 Day

Terms or 60 Day Terms or sometimes just

Terms

• “points” means Amazon Rewards points

• “program” means the Amazon rewards

program described in this agreement

• “program Account” is the rewards Account

associated with your Card Account

• “rewards option” is defined in section 3 of this

agreement titled “Amazon Rewards Option”

• “we”, “us”, “our,” and “American Express”

mean American Express National Bank and its

affiliates

Amazon Rewards Program Agreement

• “Whole Foods Market” means Whole Foods Market

locations in the United States, including Whole Foods

Market 365 stores and the website accessible at

www.wholefoodsmarket.com. “Whole Foods Market”

does not include:

o third-party sites (including, for example,

Eventbrite, Instacart, Google Express,

Shipt, and buyatab.com) where Whole

Foods Market or Whole Foods Market

365 products or services, or event

tickets, classes, or gift Cards redeemable

at Whole Foods Market or Whole Foods

Market 365, may be purchased; or

o third-party vendors operating at

Whole Foods Market locations

• “you” and “your” mean the Basic Card Member and

the Company

• “% Back rewards” are the rewards you earn under

the program. % Back rewards are tracked as points

and each 100 points in % Back rewards earned is

equal to $1. You may simply see “% Back” in

marketing materials when referring to the rewards

you earn

• “5-2-1 % Back rewards” is described in section 4 of

this agreement titled “How you can earn % Back

rewards”

• “3-2-1 % Back rewards” is described in section 4 of

this agreement titled “How you can earn % Back

rewards”

We may make changes to the program and the

terms of this agreement at any time. For

example, we may:

• add new terms or delete terms

• change how you earn points

• change how you use points

• change what you can get with points. We may

temporarily prohibit you from earning points,

using points you’ve already earned, or

using any features of the program.

We may supplement this agreement with

additional terms, conditions, disclosures,

and agreements that will be considered

part of this agreement.

We may refer to this agreement as the

Rewards Program Terms in communications

about the program and in supplemental

terms, conditions, disclosures, and

agreements.

2. Notice of changes

We’ll give you prior written notice of the

following types of changes to the program or

this agreement:

• if we add or increase fees applicable to

the program

• if we change the rates at which points

can be earned in this program

• if we limit the number of points you can

earn

• if we remove a designated Amazon

property from the program

• if we cancel the program

We’ll send this notice to you in writing,

which, at our option, may be delivered to you

electronically by email or through our online

services, such as americanexpress.com or the

American Express Mobile App.

We’ll give you notice of other changes to the

program or agreement by posting an updated

copy of this agreement, which you can view

at americanexpress.com/amazonrewards.

We won’t provide notice when we change

what you can get when you Shop with

Points. You understand and agree that we

can make these changes at any time.

You

Amazon Rewards Program Agreement

can see what you currently can and cannot get

when you Shop with Points at

Amazon.com/businesscardpoints.

3. Amazon rewards option

• The designated Amazon properties are Amazon

Business, AWS, Amazon.com, Whole Foods

Market, Amazon Go, and Amazon Books.

• When using your Card for eligible purchases on

designated Amazon properties, you will have

the option to either (i) earn % Back rewards on

your purchase or (ii) apply Payment Terms to

your purchase. We refer to this option as your

rewards option. When making purchases at

Whole Foods Market and Amazon-branded

physical store locations, you may not have the

option to select a rewards option at checkout;

in such cases, your default rewards option will

apply. You will not earn % Back rewards on any

purchase to which you apply Payment Terms.

• Your default selection for your rewards option

will initially be set to earn % Back rewards. You

may be allowed to select your rewards option

at the point of sale for certain purchases on

designated Amazon properties. In those

instances, only your selection at point of sale

will be honored, even if it differs from your

default selection. If you are not allowed to

select your rewards option at the point of sale,

your default selection will apply to such eligible

purchase. You will not be able select your

rewards option at point of sale for transactions

made through Accounts Payable Automation

Solutions (e.g., Vendor Pay) and you may not

receive Payment Terms or higher percentage %

Back rewards for such transactions. Additional

Card Members cannot select the rewards

option at the point of sale in the same way the

Basic Card Member can; the selected default

rewards option will apply to purchases made by

Additional Card Members. You can select the

default option on your Amazon Account

settings page. You cannot change the

rewards option which is applied to your

purchase, or to a purchase made by an

Additional Card Member, after the

applicable purchase has been made.

• Your default selection for your rewards

option can be changed at any time on

your Amazon Account settings page,

which can only be accessed through the

Amazon Account that is associated with

your Card. It may take up to 48 hours

for such a change to take effect.

4. How you can earn % Back rewards

With 5-2-1 % Back rewards, you’ll earn:

• 5% Back on the first $120,000 you

spend in any calendar year on eligible

purchases made using your Card

Account at a designated Amazon

property when the % Back rewards

option applies. Once you reach this

$120,000 cap, for the remainder of the

same calendar year you will earn 1%

Back on all eligible purchases made

using your Card Account at designated

Amazon properties. At the start of

every calendar year, the $120,000 cap

will reset, and you will again earn 5%

Back on the first $120,000 in eligible

purchases made during the year when

the % Back rewards option applies. 5%

Back is earned only on purchases made

at designated Amazon properties. If

you choose Payment Terms on a

purchase, you will not earn % Back

rewards on that purchase, and the

amount of your purchase will not count

toward the $120,000 cap. 5% Back is

not earned on purchases from

merchants using Amazon Pay, or

Amazon Rewards Program Agreement

purchases made at any website or location that

is not a designated Amazon property. 5% Back

equals 5 points for each $1 spent, which

equates to $0.05 in % Back rewards. For

example, if you spend $100 using your Card

Account on an eligible purchase at a designated

Amazon property, you will earn 500 points,

which is equal to $5 in % Back rewards.

• 2% Back for each $1 spent on eligible purchases

in the following rewards categories: U.S. gas

stations, U.S. restaurants, and wireless

telephone services purchased directly from U.S.

service providers. 2% Back equals 2 points for

each $1 spent, which equates to $0.02 in %

Back rewards. For example, if you spend $100

using your Card Account on an eligible

purchase in one of these categories, you will

earn 200 points, which equates to $2 in % Back

rewards.

• 1% Back for each $1 spent on all other eligible

purchases. 1% Back equals 1 point for each $1

spent, which equates to $0.01 in % Back

rewards. For example, if you spend $100 using

your Card Account on any other eligible

purchase, you will earn 100 points, which

equates to $1 in % Back rewards.

With 3-2-1 % Back rewards, you’ll earn:

• 3% Back on the first $120,000 you spend in any

calendar year on eligible purchases made using

your Card Account at a designated Amazon

property when the % Back rewards option

applies. Once you reach this $120,000 cap, for

the remainder of the same calendar year you

will earn 1% Back on all subsequent eligible

purchases made using your Card Account at

designated Amazon properties. At the start of

every calendar year, the $120,000 cap will

reset, and you will again earn 3% Back on the

first $120,000 in eligible purchases made during

the year when the % Back rewards option

applies. 3% Back is earned only on

purchases made at designated Amazon

properties. If you choose Payment

Terms on a purchase, you will not earn

% Back rewards on that purchase, and

the amount of your purchase will not

count toward the $120,000 cap. 3%

Back is not earned on purchases from

merchants using Amazon Pay or

purchases made at any website or

location that is not a designated

Amazon property. 3% Back equals 3

points for each $1 spent, which equates

to $0.03 in % Back rewards. For

example, if you spend $100 using your

Card Account on an eligible purchase at

a designated Amazon property, you will

earn 300 points, which is equal to $3 in

% Back rewards.

• 2% Back for each $1 spent on eligible

purchases in the following rewards

categories: U.S. gas stations, U.S.

restaurants and wireless telephone

services purchased directly from U.S.

service providers. 2% Back equals 2

points for each $1 spent, which equates

to $0.02 in % Back rewards. For

example, if you spend $100 using your

Card Account on an eligible purchase in

one of these categories, you will earn

200 points, which equates to $2 in %

Back rewards.

• 1% Back for each $1 spent on all other

eligible purchases. 1% Back equals 1

point for each $1 spent, which equates

to $0.01 in % Back rewards. For

example, if you spend $100 using your

Card Account on any other eligible

purchase, you will earn 100 points,

which equates to $1 in % Back rewards.

Amazon Rewards Program Agreement

When you earn 5% Back or 3% Back on designated

Amazon properties.

• Your initial eligibility for 5% Back rewards is

determined by your Amazon Account. You will

be eligible to earn 5% Back at designated

Amazon properties if your Amazon Account has

an eligible Prime membership. You will be

eligible to earn 3% Back at designated Amazon

properties if your Amazon Account does not

have an eligible Prime membership. If your

Amazon Account has an eligible Prime

membership at the time of purchase, you will

be eligible for 5% Back rewards.

• A second Amazon Account can be included in

determining the eligible Prime membership

status for your Card. The Basic Card Member

can authenticate an Amazon Business Account

(if they applied from an Amazon.com Account)

or Amazon.com Account (if they applied from

an Amazon Business Account). You will be

eligible for 5% Back rewards so long as either of

the authenticated Accounts has an eligible

Prime membership.

Please note that you can only have one

Amazon.com and one Amazon Business

Account authenticated for your Card Account

at any given point in time, and you will need

to have an eligible Prime membership on at

least one of those Accounts in order to qualify

for the 5% Back.

How to see if your Card Account earns 5% Back or 3%

Back at designated Amazon properties.

To see if your Card Account earns 5% Back or 3% Back on

purchases at designated Amazon properties, follow these

steps:

• sign into your Amazon Account;

• visit “Your Account” page;

• visit the “Manage Payment Options”

page under “Payment Methods”

section; and

• expand the details of your credit Card.

The details of your credit Card will specify if your

Card Account earns 5% Back or 3% Back on

purchases at designated Amazon properties.

In accordance with the above terms, Amazon will

notify American Express at the time of each

purchase whether the purchase earns 5% Back or

3% Back.

“Eligible purchases” are purchases of products

and services, minus returns and other credits.

Buying products and services with your Card

Account, in most cases, will count as an eligible

purchase; however, the following types of

transactions won’t be eligible for the Amazon

rewards option, won’t earn % Back rewards and

won’t be eligible for Payment Terms:

• cash advances

• travelers checks, foreign currency,

money orders, wire transfers

• Cash-like transactions not made at

designated Amazon properties, such as

purchases or reloading of prepaid Cards

or person-to-person payments

• lottery tickets, casino gaming chips,

race track wagers or similar betting

transactions

• unauthorized or fraudulent charges

• fees of any kind payable to American

Express (such as late payment fees,

Card Account annual fees, interest

charges and delinquency charges)

• Purchases paid with points

Category Disclosure: Purchases made on a

designated Amazon property will be

Amazon Rewards Program Agreement

recognized as such and treated in accordance with the

terms of this agreement. Purchases made elsewhere

(including purchases made from a third-party vendor

operating at the same location as a designated Amazon

property) may not be categorized as you expect.

Merchants are typically assigned codes and

categorized based on what they primarily sell. A

purchase will not receive higher percentage % Back

rewards if the merchant's code is not eligible.

Purchases made through a third-party payment

Account or on an online marketplace with multiple

retailers (other than a designated Amazon property)

will not receive a higher percentage reward. A

purchase may not receive a higher percentage reward

if the merchant submits the purchase using a mobile or

wireless Card reader or if you use a mobile or digital

wallet.

Ways to earn bonus points

We may offer you ways to earn bonus points through

the program or special promotions. You’ll find out

more about the number of bonus points you can earn

and any other terms at or before the time of each

eligible offer. The terms of this agreement will apply to

any such offer. If there is any inconsistency between

this agreement and the offer terms, the offer terms

will prevail to the extent of such inconsistency.

When % Back Rewards will appear in your Program

Account

Generally, 5-2-1 % Back rewards and 3-2-1% Back

rewards will appear in your Program Account upon

receipt of your next payment following the eligible

transaction. However, timing may depend on when

American Express receives transaction data from

merchants and partners.

5. How you can use points

• You can use points to redeem for any available

options. Options include eligible purchases at

Amazon.com, Amazon Business, or towards a

charge on your statement.

• You are responsible for how points are

used including if you allow anyone else

to access or use your points.

• To use points, minimum and maximum

amounts may apply. We’ll let you know

about any minimum or maximum

amounts, as well as any additional

terms and conditions, before you use

points.

• Once points have been used, the

transaction is considered final and may

not be canceled unless otherwise

noted.

• Applicable sales/use taxes, fees,

surcharges, and shipping and handling

charges are your responsibility.

• Points are not your property. You can't

transfer points to any other person or

program Account. Additionally, points

can't be transferred by operation of

law, such as by inheritance, in

bankruptcy or in connection with a

divorce.

6. Shop with Points at Amazon.com and Amazon

Business

• You (and any Additional Cardmember

who you have authorized to use points)

can use points for all or part of a

payment toward eligible purchases at

Amazon.com and Amazon Business,

provided (i) your enrolled Card Account

is not past due, canceled or has a

returned payment outstanding

, and (ii)

you have sufficient points in your

program Account to cover the portion

of the purchase for which you are

paying with points. Your Card will be

automatically enrolled into the Shop

with Points program. If for any reason

Amazon Rewards Program Agreement

you are not automatically enrolled, you can

manually enroll at

Amazon.com/hp/shopwithpoints/account. You

can authorize Additional Cardmembers to use

available points in your program Account by

contacting American Express using the number

on the back of your Card.

• If you don’t have enough points to pay for a

purchase at Amazon.com or Amazon Business,

you can pay the additional cost with your Card.

• We may deduct the number of points that you

use for your Amazon.com or Amazon Business

purchase from your points balance when you

place your order. Your points balance may not

reflect pending transactions.

• For valid returns or cancellations, points will be

credited as a statement credit on your Card,

and they will not be refunded to your points

balance unless you call American Express to

request a conversion of the statement credit to

points.

• You must contact Amazon to cancel a purchase

you made on Amazon.com or Amazon

Business), or to make any other changes to that

purchase, even if points were used to complete

that purchase.

• Returns and refunds are subject to Amazon’s

policies.

New York Card Members can continue to use points

in these scenarios for at least 90 days by calling the

number on the back of their Card. “New York Card

Member” means a Card Member with a New York

billing address on a linked Card Account.

7. Using points for your charges

When you use points for your charges, you are using

points towards specific, eligible charges.

Who can use points for eligible charges

To use points for eligible charges, you must:

• Be the Basic Card Member

• Have an enrolled Card Account that is not

past due, canceled or has a returned

payment outstanding

• Have at least 1,000 available points in your

Card Account

Account managers and Rewards managers may

be eligible to use points by calling the number on

the back of your Card but are not eligible to use

points online.

Eligible charges

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 eligible for redemption using

Amazon Rewards points.

Generally, these charges meet the following

criteria:

• The charge must occur in the U.S. or in a U.S.

territory

• The charge must appear online in Recent

Activity or in your Current Statement

• The charge has never been disputed

• The charge must be at least $1

• The charges cannot be current Payment

Terms transactions

• The charges cannot have been paid for

previously with points

How to use points for your charges

You can use points for eligible charges in recent

activity or in your current statement at

americanexpress.com by clicking on the “Use

Points for Your Charges” link.

When you use points for an eligible charge, the

points will be deducted immediately from your

Amazon Rewards Program Agreement

program Account, and an accompanying credit will be

applied to your Card Account within 48 hours. You may

use points only toward the entire amount of an eligible

charge.

If a credit is processed after your Card Account's

statement closing date, it will appear in your next

statement. In any case, you are responsible for paying

the full amount due on your Card statement by the due

date

New York Card Members can continue to use points

in these scenarios for at least 90 days by calling the

number on the back of their Card. “New York Card

Member” means a Card Member with a New York

billing address on a linked Card Account.

8. Forfeiting and getting points back

For returning items purchased with your Card

If you return something that you purchased with your

Card, the statement credit you receive in your Card

Account will cause a corresponding deduction of points

from your program Account.

For returning purchases that you got with points

If you return any purchase for which you used Amazon

Rewards points and for which returns are permitted, your

points will be credited as a statement credit on your

Card, and they will not be refunded to your points

balance unless you call American Express to request a

conversion of the statement credit to points. This also

applies to orders that remain unfulfilled for 30 days.

For making late payments

If you don’t pay the amount due on your Card Account

statement by the date it is due, any points accrued from

that Card Account during the period covered by the

billing statement will not be earned and will not post to

your Rewards Account.

You can eventually earn these points, but first you must

make all required payments, then call the number on the

back of your Card to request the points. There is a $35

fee for each billing period and for each Card

Account for which you reinstate points. You must

request the points within 12 months of the billing

period in which you didn’t earn them.

Points can be reinstated only by the Basic Card

Member.

For cancelling your Account

If we cancel your Card Account for any of the

following reasons, you’ll forfeit all points in your

program Account except as noted:

• If we cancel your Card Account due to

inactivity, you have 90 days to use points in

your program Account before they are

forfeited.

• If we cancel your Card Account in the event

of your death, your executor or personal

representative may request to use the points

in your program Account in a one-time

redemption by calling us.

• If we cancel your Card Account by accident,

points in your program Account will not be

forfeited.

If we cancel your Card Account for any other

reason (including bankruptcy or insolvency),

you’ll forfeit all points in your program Account.

If you voluntarily cancel your Card Account, but

you keep at least one American Express Card

Account open and is not past due or canceled,

you'll have up to 30 days from the date of

cancellation to use any points in your program

Account.

If you voluntarily cancel your Card Account and

you don't keep open any American Express Card

Accounts, all points in your program Account will

be immediately forfeited.

New York Card Members Only: New York Basic Card

Members receive 90 days from notification of Account

closure to redeem points. If you have any questions,

please call the number on the back of your Card for

assistance.

Amazon Rewards Program Agreement

Negative point balance

In certain circumstances (for example, if points you

received for a purchase are reversed because you

returned that purchase and your point balance is

insufficient to cover the reversal; or, if we determine that

you are ineligible for an additional points incentive award

that you received and your point balance is insufficient to

cover the reversal of the incentive award) your point

balance can be negative. If this happens, any points you

receive thereafter will be applied first to the negative

balance, and you will not have points available for

redemption until your point balance becomes positive.

9. Other important information you should know

If we in our sole discretion determine that you have

engaged in abuse, misuse or gaming in connection with

earning or using points or that you may attempt to do so,

we may:

• Take away all points in your program Account

• Temporarily suspend your ability to redeem points

• Temporarily suspend your ability to earn points

• Cancel your program Account

• Cancel any of your American Express Cards

All questions or disputes about program eligibility,

earning points or using points will be resolved solely by

American Express.

It is your responsibility to find out if you are liable for any

federal, state, or local taxes as a result of earning or using

points.