The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. We estimate that Membership Rewards (MR) are worth about 1.6 cents/point, see below for a brief introduction. Also, while most of the partner airlines have a 1:1 point transfer ratio, there are a few variations. /Height 959 Our range of products and services includes: Credit card, charge card, banking and other payment and financing products Merchant acquisition and processing, servicing and settlement, and point-of-sale marketing and information products and services for merchants Network services Other fee services, including fraud prevention services and the design and operation of customer loyalty programs Expense management products and services Travel and lifestyle services Our various products and services are offered globally to diverse customer groups, including consumers, small businesses, mid-sized companies and large corporations. New cardholders also have an opportunity to snag a generous welcome bonus: American Express offers you 60,000 points for spending $4,000 in the first six months. to maintain accurate information. American Express Third-Quarter Revenue Increased 24% To $13.6 Billion 10/21/2022 DownloadPDF Format (opens in new window) Third-quarter Earnings Per Share Increased 9% To $2.47 Card Member Spending Up 21%, Driven By Continued Momentum Across Goods & Services And Travel & Entertainment Spending Use. Section 2: Management Discussion and Analysis (MD&A). EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. In 2022, the net cash provided by financing activities was primarily driven by growth in customer deposits and net proceeds from debt, partially offset by share repurchases and dividend payments. The Amex Business Gold is also offering a higher than it previously did, though the spend threshold is more difficult to reach. Importantly, these statements are audited and include detailed notes. REPUTATIONAL RISK MANAGEMENT PROCESS We define reputational risk as the risk that negative stakeholder reaction to our products, services, client and partner relationships, business activities and policies, management and workplace culture, or our response to unexpected events, could cause sustained critical media coverage, a decline in revenue or investment, talent attrition, litigation, or government or regulatory scrutiny. In order to avoid losing your MR points, we recommend to keep the no annual fee. articles, Do Not Sell or Share My Personal Information, 60,000 points if you spend $4,000 in first 6 months, 35,000 points if you spend $4,000 in first 3 months, 70,000 if you spend $10,000 in first 3 months, Limited time offer: 70,000 points if you spend $10,000 in first 3 months, 35,000 points if you spend $5,000 in first 3 months, Shopping partner purchases (Best Buy, Grubhub, Walmart and more), Excise tax offset fee (for transfer to domestic travel partners), 4X points at U.S. supermarkets (up to $25,000 per year, then 1X point), 3X points on flights booked directly with airlines or amextravel.com, 4X points on the two categories your business spends the most in each billing cycle ($150,000 per year, then 1X point), Up to $100 activity credit on vacations over $3,000, 25% points back on eligible travel booked with Amex Travel (up to 250,000 points per year). AMERIC AN EXPRESS Q3 RESU LTS American Express Company (NYSE: AXP) today reported third-quarter net income of $1.9 billion, or $2.47 per share, compared with net income of $1.8 billion, or $2.27 per share, a year ago. The MR points you earn on different MR cards will automatically go to the same MR account. TheAmerican Express Gold Card comes with some of the best rewards available on food purchases, offering 4X points at restaurants and U.S. supermarkets (on up to $25,000 in purchases annually, then 1X point), 3X points on flights booked directly with airlines or amextravel.com and 1X point on all other purchases. Lawyers and accounts like to err on the side of caution. Lets face it theres a lot of jargon and high-level talk in the credit card industry. If you use MR in this way, the value is about 1.6 cents/point. If you have not had the AMEX Business Platinum card before, it is highly recommended that you apply for that product before upgrading, as upgrading and receiving a bonus will negate your ability to receive the 75,000 MR to 150,000 MR signup bonus on theAMEX Business Platinum. >> Used Edge browser, no incognito. The same goes for the business version of the card if youve ever earned a welcome bonus on the same product, you wont be eligible for the new offer. Filing Group. They are available for free via EDGAR, the SEC's online, searchable index of filings. (no spend) or 40k MR w/ $10k spend in 92 days; 40,000 Membership Rewards after $10,000 spend within 3 months OR a $100 statement credit with no spend. /SMask /None>> Charge Cards have no pre-set spending limit. Up to $300 statement credits on eligible U.S. advertising and shipping purchases. Complimentary access to the following airport lounges: Complimentary membership forAvis, Hertz, and National membership. CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. It is also a very good offer, and ranks #1 in our welcome offer rank on most days. No minimum purchase required. Document Date. Editorial integrity is central to every article we publish. You try all routes of incognito,desktop, laptop, chrome, edge, vpn etc? %&'()*456789:CDEFGHIJSTUVWXYZcdefghijstuvwxyz 8-K. Current report filing. endstream Or perhaps the company is facing so many lawsuits that you may want to think twice before going into business with them. Transfer Agent. In your online account, you can view: Your Year-End Summary 60 DAY TERMS # of Spots Remaining Type of Card/ Limit /Age Statement Date (Upcoming) Price MANY AMERICAN EXPRESS 1K 19TH 290 MANY AMERICAN EXPRESS 7K 24TH 330 MANY AMERICAN EXPRESS 6K 18TH 315 5 2022 (MAY) DISCOVER 13K 13TH 360 MANY AMERICAN EXPRESS 48K 30TH 450 MANY AMERICAN EXPRESS 1K 31ST 290 MAN The current offer is only 150k. Check the data at the top of this page and the bank's website for the most current information. U.S. purchases for advertising in select media (online, TV, radio), With this credit card, you can get access to. You can downgrade this account to the AmEx Business Gold Rewards (BGR) card after the first year. 03/07/2023. These cookies will be stored in your browser only with your consent. 2022 at 5:00 pm. Cell phone protection: get up to $800 per claim and 2 claims per year in cell phone protection against covered theft or damage for phones listed on your monthly cell phone bill when you pay it with your eligible credit card. Update 8/2/22: Readers found links for 130,000 with $20,000 spend and 110,000 with $10,000 spend available now incognito. records, Shareholder /BitsPerComponent 8 Other good options are: Air Canada (AC) (Star Alliance), Delta Air Lines (DL) (SkyTeam), British Airways (BA) (Oneworld), Asia Miles (Oneworld), Singapore Airlines (SQ) (Star Alliance), Flying Blue (SkyTeam), Virgin Atlantic (VS) (Non-alliance), etc. Don't forget about the call-in YMMV 190,000 offer with $21,000 spend. dividends on preferred shares of $15 million for both the three months ended June 30, 2022 and 2021, and $29 million for both the six months ended June 30, 2022 and 2021. Earn1.5 MR points per dollar on qualifying purchases of $5,000 or more (thats an extra half point per dollar) with the Business Platinum Card. people receive an offer to upgrade this account to the AMEX Business Platinum card within the first year while earning 50,000 MR after spending $10,000 (even if you have already received a sign-up bonus on the AMEX Business Platinum). Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Card earns 4x points on the two categories your business spends the most each billing cycle, from the following list (up to $150,000 in combined purchases each calendar year): U.S. purchases for advertising in select media, U.S. computer hardware, software, and cloud computing purchases made directly from select providers, 25% points back after you book a flight with pay with points. American Express keep upping the welcome bonus for the Business Platinum card. The concierge benefit is one of the most underrated aspects of any of the AMEX Platinum cards. [$200 airline fee credit] Get up to $200 credit for airline incidental charges such as checked bags per, [$200 FHR/THC hotel credit] Get up to $200 credit on prepaid Fine Hotels Resorts (FHR) or The Hotel Collection (THC) bookings per. Compare this 10-K Annual Report to its predecessor by reading our highlights to see what text and tables wereremoved, added and changedby American Express Co. American Express Co's Definitive Proxy Statement (Form DEF 14A) filed after their 2023 10-K Annual Report includes: The ERM policy governs risk governance, risk oversight and risk appetite, including credit risk (at both the individual and institutional levels), operational risk (e.g., operations, legal, conduct, third-party, information technology, information security, data management, privacy and people risks), compliance risk, reputational risk, market risk, funding and liquidity risk, model risk, strategic and business risk, country risk and environmental, social and governance risk. [$400 annual Dell credit] Get up to $200 in statement credits from January through June and up to $200 in statement credits from July through December. 8 0 obj endobj As for the Amex Business Gold, the $10,000 spend requirement in three months might be more difficult to meet, but youll be rewarded with an equally generous 70,000 points a fairly hefty introductory bonus in this market. } !1AQa"q2#BR$3br Note that MR earned with AMEX business cards pool with MR earned with personal cards. This benefit applies to all MR earned with anyAMEX credit or charge card as long as you have the AMEX Business Platinum. When you transfer your points to a domestic airline partner, youll be charged an excise tax offset fee of 0.06 cent per point. Form 10-K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission File No. /ColorSpace /DeviceRGB 7) physixfan 2022-09-09 2023-02-09 155 Comments, American Express (AmEx), Charge Card, Membership Rewards (MR), Metal Card, No Foreign Transaction Fee, Premium Credit Card. Third-quarter consolidated total revenues net of interest expense were $13.6 billion, up 24 percent from $10.9 billion a year ago. AmEx Business Gold Targeted Phone Offer: you can call AmEx and ask and hope for the best: 855-531-3491. Annual Filings. +1. For small business owners who are torn between the personal and business Amex Gold cards, check out how the two cards compare here. You will not lose the MR points on one card if you close the account, but you will lose all of the MR points if you close all of the MR cards. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. AmEx reconsideration backdoor number:877-399-3083. Calm down, I was just checking what I can refer people to. If you find any information incorrect or expired, please contact us immediately. You can not downgrade this card to any card with no annual fee. Earn 5x MR points for flights and prepaid hotels booked with AmEx Travel. is a senior editor at CreditCards.com, focusing on product news and recommendations. This site does not include all financial companies or all available financial offers. New York, NY - November 9, 2021 - Meeting professionals say they are feeling more confident and well-equipped to plan high-quality meetings and events and adapt to any ongoing uncertainties.This is according to the 2022 Global Meetings and Events Forecast, the 11 th . Annual fee posted a week ago. Citi / AAdvantage Platinum Select World Elite Mastercard Review (2022.7 Update: 60k Offer), Delta SkyMiles Gold Card from American Express Review (2022.9 Update: 75k Offer). If you have any of the MR cards, MR points can be transferred to some airline miles. For more information about MR points, see. [/Pattern /DeviceRGB] Is Opening A Bank Account A Soft Or Hard Pull? 2022.8 Update: Theres a new 170k offer with $15k spending requirement. Advertiser Disclosure: This site is part of affiliate sales networks and receives compensation for sending traffic to partner sites. Also this card now comes with a trip delay insurance which can be triggered by a 6+hrs delay, so it has become the best card to buy airline tickets. classes/contracts for, Exclude My referral shows 130k MR sign up bonus on 10k spend in 3 months, better than previous 20k spend. These days, the Amex Gold card offers a pretty generous welcome bonus. 90k Miles + 10k MQM offer: earn 90,000 Miles and 10,000 Medallion Qualification Miles (MQM) after spending $3,000 in first 3 months (Note that MQMs are not the kind of miles to redeem for flights, . Is there any post where I can share referral? As youll see, you can get the most out of your rewards by booking airfare through the Membership Rewards portal. https://americanexpress.com/en-us/referral/RACHAAklbw?XL=MIMCP. If you can take advantage of these benefits, this card may be a keeper. Access to the recently announced Global Dining Collection, Global Lounge Collection, and Global By Invitation Only Events. AMEX Business Platinum cardholders receive a 35% rebate when using MR to book travel on your airline of choice,or when booking a first or business class ticket on any airline, up to 500k MR points rebate per calendar year. Charge card means that you dont have the option to pay only minimum payment, you have to pay your balance in full on the due dates. But opting out of some of these cookies may have an effect on your browsing experience. The travel perks of this card combined with the 50% MR rebate on all travel purchases may make this card a keeper for many, including myself. Authorized users also have access to the airport lounges mentioned above, and each of them can get complimentary hotel status. American Express Annual Report 2022 Form 10-K (NYSE:AXP) Published: February 11th, 2022 PDF generated by stocklight.com . Update 6/12/22: There is a new . I have used this trick to receive the annual fee credits, additional MR sign-up bonus, and all the other perks of the AMEX Business Platinum many times. You can earn 5x MR points on air tickets with this card, and it is the best earning rate across all cards. This website uses cookies to improve your experience while you navigate through the website. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. If you apply as a sole-proprietor, AMEX makes you select an annual income for your business between $0 $49,999. So the 100k sign-up bonus is worth about $1600. including those found in the company's Annual Report on Form 10-K for the year ended December 31, 2021, the company's Quarterly Report . Changes in the financial condition and creditworthiness of our business partners, such as bankruptcies, restructurings or consolidations.

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