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Platinum Card® | 
Starwood Preferred Guest® Credit Card from American Express | 
Hilton HHonors® SurpassSM Card from American Express | 
Hilton HHonors® Card from American Express |
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Good For | Premium service and rewards, access to invitation-only events, airport lounges & more | Free nights or flights with no blackout dates | Free nights with no blackout dates and VIP treatment | Free nights with no blackout dates | |
Welcome Offer | One-of-a-kind travel privileges and extraordinary service | No annual fee for the first year & 10,000 Starpoints® after first purchase 1 | 40,000 Hilton HHonors® bonus points after first purchase 2 | 20,000 Hilton HHonors® bonus points after first purchase 3 | |
How You Earn Points or Miles | 1 point for every eligible dollar you spend. 2X points at the American Express Travel website. 2X - 10X with select partners | Earn 2x Starpoints at participating Starwood hotels and resorts and 1x points everywhere else † | Earn 9x points for every eligible dollar you spend at participating Hilton Family hotels, 6x points on eligible everyday purchases and 3x points everwhere else † | Earn 6x points for every eligible dollar you spend on everyday purchases and at participating Hilton Family hotels and 3x points everywhere else † | |
Using Points or Miles for Rewards | Use points for rewards from over 500 brands. Transfer points to over 20 airline and hotel partners or use points for gift cards and merchandise. Exclusive access to rewards from luxury brands | Redeem Starpoints® for free Night Awards at over 940 Starwood Hotels and Resorts and for flights on over 30 airlines with no blackout dates | Redeem at over 3,300 Hilton Family hotels worldwide with no blackout dates | Redeem at over 3,300 Hilton Family hotels worldwide with no blackout dates | |
Pay with Points or Miles |  † | | | | |
Complimentary Airport Club Access | † | | | | |
Companion Tickets | † | | | | |
Personal Concierge Services | † | | | | |
Extended Warranty | † | † | † | † | |
Roadside Assistance | † | † | † | † | |
Access to Exclusive, Once in a Lifetime Events | † | | | | |
Early Access to Entertainment | † | | | | |
Online Financial Tools | | | | | |
APR on Purchases | No interest charges — you pay your balance in full monthly † | 2.90% for 6 months;, then Prime + 11.99% | 2.90% for 6 months;, then Prime + 11.99% | 2.90% for 6 months;,then Prime + 11.99% | |
Annual Fee | $450 | The first year's on us - then $45 | $75 | None | |
Bill Payment Terms | Pay your monthly balance in full | Flexibility to pay over time | Flexibility to pay over time | Flexibility to pay over time | |
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Apply Now | Apply Now | Apply Now | Apply Now | |
The ability to pay for all or part of your next trip using points or miles.
Membership Rewards® Pay With Points is available on the Preferred Rewards Green Card, the Preferred Rewards Gold Card, the Premier Rewards Gold Card, the Platinum Card and Blue from American Express. Pay for all or part of your trip anywhere, anytime on any airline without seat restrictions or blackout dates.
SPG Flights is available on the Starwood Preferred Guest Credit Card. Use your Starpoints® to fly on hundreds of airlines, with no blackout dates or seat restrictions.
Pay with Miles is available on the Gold, Platinum, or Reserve Delta SkyMiles Credit Card. Pay for all or part of the fare with miles with no blackout dates or inventory restrictions. Our Concierge staff is available to you day or night as a personal resource for many different aspects of your life. Whether you need to select a restaurant and arrange the details of an upcoming special event or if you want expert advice selecting just the right gift, you can rely on Concierge to coordinate and take care of your requests, big and small. When you use your Card for eligible purchases, membership extends your warranty up to one year. Your car dies or blows a tire and you're stranded. Just call us and help will be on the way. By Invitation Only® is a program that gives Platinum Card® and Centurion® Card members exclusive access to once-in-a-lifetime experiences - from sports, fashion and fine dining to the visual and performing arts. These unique experiences are customized for Platinum Card members and are simply not available to the general public at any price.
Offerings have included a trip to Napa Valley at harvest time with private tours of wineries and a grape stomp; a wine lover's dinner with an appearance by a world-renowned wine critic; and the chance to have your portrait painted by a famous artist combined with the chance to explore his or her private studio and witness the artist at work. Access some of the best seats in the house for theater, concerts, sporting and family events, and more - get great tickets, often before they go on sale to the general public. With Money Manager, see all your accounts—including savings, checking, investments, credit cards and rewards programs—in one location. It's easy to use and makes it easy to get the "big picture," with graphs and charts on spending, savings and more. Just upload your accounts, then track spending, develop budgets and enjoy automatic updates of your account information.This offer is good for new Cardmembers and Additional Cardmembers on their accounts who have one or more of the following consumer American Express (R) Card products: the American Express Card, the American Express Rewards Green Card, the American Express Preferred Rewards Green Card, the American Express Gold Card, the American Express Rewards Gold Card, the American Express Preferred Rewards Gold Card, the American Express Rewards Plus Gold Card, the Platinum Card (R), the Centurion (R) Card. Offer is valid for eligible purchases charged to an eligible enrolled Card account during the 12 month period commencing on the date the new Card account is issued. To be eligible for this promotion, you must have been solicited for it and your new Card account must be issued by July 31, 2009. New Cardmembers will be automatically enrolled this promotion. To earn double points (one point plus one bonus point for every dollar of eligible charges), you must be enrolled in the Membership Rewards� program at the time of purchase and must charge your purchase on an eligible, enrolled American Express Card. Your Card account must be active and not in default at the time of bonus point fulfillment. Bonus points will be credited to your Membership Rewards account 8-10 weeks after charges appear on your billing statement. The 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 merchants and available rewards are subject to change without notice. You can earn double points in U.S. stand alone gas stations and supermarkets only if the merchant submits the charge for your purchase under the appropriate merchant code, industry code, or required service or product identifier established by us and the merchant. Charges at departments of superstores or warehouse clubs are not eligible for this promotion. This offer is valid on up to $1000 of eligible gas and grocery spend each month. Cash and cash equivalent transactions and purchases (including balance transfers, convenience checks and cash advances), finance charges, fees and purchase credit adjustments do not earn points. This promotion can not be combined with any other promotional offers. Bonus Point ID 2795. To qualify, all your American Express® Card accounts must be in good standing. The Membership Rewards® program enrolled Card account you designate will be charged for your purchase. Membership Rewards points will be debited from your program account and a credit will be issued to the Card account you designate for the corresponding dollar amount. If the points redeemed do not cover the entire amount of the charge, the balance of the purchase price will remain charged to the Card account you designate. Minimum redemption of 5,000 points. Permitted returns of items purchased with points that cause a credit on your Card account will result in a point deduction on your Membership Rewards program account. These points can be retrieved by calling Membership Rewards. Terms and Conditions of the Membership Rewards program apply and are available at membershiprewards.com/termsThe Platinum Card® member must be traveling. Name on ticket must match name on Platinum Card. The Platinum Card member must be 18 years of age to enter the Airport Club Lounge without a parent or guardian for American Airlines Admirals Club&® lounges and Delta Air Lines® Delta Sky Club™ lounges where there is no self-service bar. The Platinum Card member must be 21 years of age to enter into all other Airport Club Lounges where there is a self-service bar. The Platinum Card member's spouse and children under the age of 21 or up to two companions may enter the club as complimentary guests. Local age restrictions apply in non-U.S. locations. Code-share and affiliated lounge agreements may not apply. Non revenue tickets and reduced revenue tickets are not eligible with American Airlines. The Platinum Card member must present his or her valid Card, government-issued I.D., and same day airline ticket to club agents. Complimentary access is specifically for the airport club that corresponds to the airline operating the flight (access pertains to the aircraft, not the flight number) except with respect to American Airlines marketed code share flights with an American Airlines flight number which are also eligible for complimentary access to the lounge. Meeting rooms may be reserved for a nominal fee. Card members must adhere to all house rules of participating clubs. For a list of participating airport club locations, call Platinum Member Services. Participating airlines and locations subject to change. Companion ticket requires purchase of qualifying, non-restricted First- or Business-Class ticket through American Express Travel Services with an American Express® Card issued in the U.S. Platinum Card® or Centurion® member's name on a participating airline. Participating airlines include : Aer Lingus, AeroMexico, Air France, Air New Zealand, Alitalia, Asiana Airlines, Austrian, Cathay Pacific, China Airlines, Delta Air Lines, Emirates, Etihad Airways, Japan Airlines, Jet Airways, LAN, Lufthansa, Mexicana, Scandinavian Airlines, South African Airways, Swiss International Air lines, Virgin Atlantic. Travel must originate in and return to a U.S. gateway (excluding Puerto Rico and overseas territories) or Canadian gateway. One-way travel permitted on some participating airlines where routing originates in U.S. Travel must be purchased by 12/31/09 and completed by 12/31/10. Available service class (First or Business) determined by participating airline. Seats are limited and may not be available on all flights. Card member and companion must travel on the same itinerary. Non-refundable $78 American Express service fee applies to purchase and all ticket changes/refunds with Platinum Card (fees are waived for Centurion members). Companion ticket subject to government taxes/fees from $50 to $400 roundtrip, including a September 11th Security fee of up to $10. Total charge for the companion ticket may also reflect airline imposed fuel surcharges of up to $400 roundtrip. Companion ticket must be returned/cancelled before full-fare ticket is refunded. Not combinable with any other promotion, discount, negotiated group, or corporate-contracted rate, and may not be available on participating airline’s code-share partners, i.e. flights marketed by the ticketing airline but operated by its partner airline. Participating airlines reserve right to modify fare rules/program participation prior to booking. Limit one companion ticket per Card member traveling. Tickets are not transferable or endorsable. 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. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This service provides up to 4 service calls per year, with $50 of coverage per service call. (Limit of 1 service call in 7 days for the same cause.) Towing is to nearest authorized facility at a maximum of 10 miles with a maximum of $50 coverage. Coverage is applicable to the entire United States, Canada, and Puerto Rico. Additional terms and conditions apply. If you need further information please call the number on the back of your Card. Transportation and accommodation costs are additional unless otherwise stated. The price indicated covers event costs only. All sales are final and non-refundable and resale is prohibited. Payment must be made using a Platinum Card from American Express. Details and prices are subject to change. Packages are available on a first-come first-served basis. Availability is limited The following American Express Cards (domestic and/or international) are eligible for Gold Card Events: Gold Card, Platinum Card®, Centurion® Card, the Delta Reserve Credit Card, International Dollar Cards, Corporate Platinum Card and the Executive Business Card, Business Gold Card, Business Platinum Card and Business Centurion Card from OPEN, if issued by American Express Travel Related Services Company Inc., American Express Centurion Bank, or American Express Bank, FSB.
Gold Card Events is not offered to the following (domestic and/or international) Cards that include, but are not limited to, select American Express®Corporate Cards, Optima® Cards, Delta SkyMiles® Credit Cards, American Express Costco Credit Cards, American Express Cash Rebate Cards, Hilton HHONORS® Credit Cards or Starwood Preferred Guest® Credit Cards, Aeroplus® Credit Cards, AeroMexico® Cards, Indian Airlines® Cards, Air France® Cards, British Airways® Cards, KLM® Cards, Tiger Woods®Credit Cards. If you become eligible, you may BE GIVEN THE OPTION TO extend payment over time on certain charges using our Flexible Payment Features. If you use these Features, you may accrue interest on any charges you choose to pay over time. To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had."Eligible Spending" includes purchases of goods or services, which purchases have not been returned or otherwise rescinded, and are not subject to a credit; it does NOT include fees, Finance Charges, Cash Advances (including the use of checks, line activators, automated teller machines or other means of accessing your account), Balance Transfers, or adjustments to your account. We reserve the right not to award any Starpoints for transactions we determine are not made with the good faith intention of consuming the item charged.
You will receive one additional Starpoint for each U.S. dollar of Eligible Spending charged on your Card account at participating Starwood properties , and at standalone retail establishments and online stores that, in each case, are wholly owned by Starwood Hotels & Resorts Worldwide, Inc.To be eligible to receive 10,000 bonus Starpoints®, you must make your first purchase with the Starwood Preferred Guest® Credit Card within one year of Card approval. Bonus points will appear on your Starwood Preferred Guest statement 8-12 weeks after your first purchase. Bonus Starpoints are for first-time Starwood Preferred Guest Credit Cardmembers only. Bonus Starpoints can only be received once per Cardmember, regardless of the number of Starwood Preferred Guest Credit Card accounts the Cardmember may have or had. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico. To earn up to 40,000 Hilton HHonors bonus points, you must make your first eligible purchase with the Hilton HHonors Surpass Card within one year of Card issuance. Only one first purchase bonus per Card Account. Only first-time Hilton HHonors Surpass Cardmembers will earn up to 40,000 HHonors bonus points. Cardmembers who have previously earned a first purchase bonus from any Hilton HHonors Card from American Express earn the incremental difference of up to 40,000 Hilton HHonors bonus points You will receive 9 Hilton HHonors bonus points for each U.S. dollar of eligible spending on the Card at any Hilton Family hotel worldwide (excluding Hilton Grand Vacations timeshare purchases and package sales). You will receive 6 Hilton HHonors bonus points for each U.S. dollar of eligible spending at the following categories of merchants, excluding warehouse clubs and superstores: supermarkets; drugstores; stand-alone gas stations; and home telephone, wireless, cable, satellite TV, and internet service providers. You will receive 3 Hilton HHonors bonus points for each U.S. dollar of all other eligible spending. To receive the appropriate bonus points, the merchants must submit the charge using the appropriate industry code, merchant code, or products/service code established by us. If the merchant submits a Charge using a different code, the applicable Charge will only receive the bonus points corresponding to that code. Merchants with multiple locations may submit Charges at different locations using different codes. This means that Charges at some locations will qualify for additional bonus points, but Charges at other locations of the same merchant will not.You will not receive Hilton HHonors bonus points for balances transferred from other accounts, purchases of American Express® Travelers Cheques or American Express® Gift Cheques, fees, Finance Charges, Cash Advances, and similar means of assessing your Card Account. Additional terms and conditions apply.To earn up to 40,000 Hilton HHonors bonus points, you must make your first eligible purchase with the Hilton HHonors Surpass Card within one year of Card issuance. Only one first purchase bonus per Card Account. Only first-time Hilton HHonors Surpass Cardmembers will earn up to 40,000 HHonors bonus points. Cardmembers who have previously earned a first purchase bonus from any Hilton HHonors Card from American Express earn the incremental difference of up to 40,000 Hilton HHonors bonus points. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico. To earn 20,000 Hilton HHonors bonus points, you must make your first eligible purchase with the Hilton HHonors Card within one year of Card issuance. Only one first purchase bonus per Card Account. Only first-time Hilton HHonors Cardmembers will earn 20,000 Hilton HHonors bonus points. You will receive 6 Hilton HHonors bonus points for each U.S. dollar of eligible spending on the Card at any Hilton Family hotel worldwide (excluding Hilton Grand Vacations timeshare purchases and package sales). You will receive 6 Hilton HHonors bonus points for each U.S. dollar of eligible spending at the following categories of merchants, excluding warehouse clubs and superstores: supermarkets; drugstores; stand-alone gas stations; and home telephone, wireless, cable, satellite TV, and internet service providers. You will receive 3 Hilton HHonors bonus points for each U.S. dollar of all other eligible spending. To receive the appropriate bonus points, the merchants must submit the charge using the appropriate industry code, merchant code, or products/service code established by us. If the merchant submits a Charge using a different code, the applicable Charge will only receive the bonus points corresponding to that code. Merchants with multiple locations may submit Charges at different locations using different codes. This means that Charges at some locations will qualify for additional bonus points, but Charges at other locations of the same merchant will not. You will not receive Hilton HHonors bonus points for balances transferred from other accounts, purchases of American Express® Travelers Cheques or American Express® Gift Cheques, fees, Finance Charges, Cash Advances, and similar means of assessing your Card Account. Additional terms and conditions apply.To earn 20,000 Hilton HHonors bonus points, you must make your first eligible purchase with the Hilton HHonors Card within one year of Card issuance. Only one first purchase bonus per Card Account. Only first-time Hilton HHonors Cardmembers will earn 20,000 Hilton HHonors bonus points. Extended Warranty is underwritten by AMEX Assurance Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 or Policy EW-IND and is subject to change with notice. This document does not supplement or replace the Policy. This benefit is a coordination of the service and the Cardmember is resposible for all costs associated with this service. Coverage is applicable to the entire United States, Canada, and Puerto Rico.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.Car Rental Loss & Damage Insurance (Policy AX0925 or Policy CRLDI-IND) Purchase Protection (Policy AX0951 or Policy PP-IND), Travel Accident Insurance (Policy AX0948), Baggage Insurance Plan (Policy AX0400 or Policy BIP-IND) are underwritten by AMEX Assurance Company Company, Administrative Office, Phoenix, AZ. Coverage is determined by the terms, conditions, and exclusions of the respective policies (see above) and is subject to change with notice. This document does not supplement or replace the policy.
Global Assist - Emergency Travel Assistance
While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
