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Annual cashback prediction for

American Express® Gold Card from American Express


Maximal cashback is

$325.0


See below a summary of expenses, cashback options and a copy of cashback program terms



1. Spending Pattern:

Average US family annual spending1



1 - Source of information



2. Summary of Earned Points:






3. Possible Rewards For Earned Points:



  Reward type   Value
    
  1) Store Gift Cards:   $375.0
   Exchange rate:   Number of rewards:
      10000 Points per $100 Store Gift Card  3 $100 Store Gift Cards
      5000 Points per $50 Store Gift Card  1 $50 Store Gift Card
      2500 Points per $25 Store Gift Card  1 $25 Store Gift Card
  

OR
  
    
  2) American Express Gift Card:   $175.0
   Exchange rate:   Number of rewards:
      10000 Points per $50 American Express Gift Car  3 $50 American Express Gift Card
      5000 Points per $25 American Express Gift Car  1 $25 American Express Gift Card
We only list information about cashback and gift cards availble via the American Express Membership Rewards program. There are also other rewards available. For complete information about American Express Membership Rewards program please visit www.membershiprewards.com





4. Card Cost :



  Annual Fee   $125

Maximal cashback of $375.0 was reduced by annual fee $125. New maximal cashback value is $250.0




5. Terms of Preferred Rewards Gold Card cashback program

(Copied from the credit card website on 08/07/08 )


Below are only partial terms. To read full terms, go to www.membershiprewards.com/terms.


ELIGIBILITY


1. The program is available to Basic Personal Card, American Express Senior Card, Gold Card, American Express Rewards Green Card, American Express Preferred Rewards Green Card, American Express Rewards Gold Card, American Express Preferred Rewards Gold Card, American Express Senior Gold Card, American Express Rewards Plus Gold Card, Fidelity American Express Card, Fidelity American Express Gold Card, and some Blue from American Express Cards, Basic Optima, Optima Platinum, Optima Gold Card, Platinum Business Credit Card or Business Management Account members whose American Express Credit Card or Optima Card account is associated with an eligible AMEX charge Card account enrolled in the program (Eligible AMEX Credit Card). Basic and Additional CMs holding a Business Card from OPEN from American Express (Business CMs) who have one of the following Cards may also enroll in the program: Business Green Rewards Card, Business Gold Card, Business Gold Rewards Card, Executive Business Card, Business Purchase Account, Business Costco Card or Business Membership Rewards Card. Basic and Additional Corporate CMs and Executive Corporate CMs (Corporate CMs) may enroll in the program unless their company has chosen not to participate in the program. Accounts or Cards not listed in this paragraph are not eligible for enrollment in the program. Card eligibility is subject to change.
2. Additional CMs on a Basic Card account may not enroll in the program on their own, except for Additional Business CMs and Additional Corporate CMs.
3. All Card accounts must be in good standing at the time of enrollment. Each Card account or Card participating in the program is called a Linked Account herein.
4. Eligible Corporate CMs may enroll in the program only with the Corporate Card issued in their own name, but not Corporate Cards issued to any other individual. Enrolled Corporate Cards from the same company cannot be linked to the same program account.
5. A Card account or Card must be issued by AMEX or one of its affiliates in the U.S. and billed in U.S. dollars from an AMEX Operations Center in the U.S. to be eligible to participate in the program.


ANNUAL FEES


1. There is a $40 annual fee for participation in the program, except as otherwise provided below. There is no fee for the program for Rewards Green, Preferred Rewards Green, Rewards Gold, Preferred Rewards Gold, Rewards Plus Gold, Business Membership Rewards, Business Green Rewards and Business Gold Rewards. The annual fee to enroll a Corporate Card is $75. There is an additional $10 annual fee for each Business Charge Card or Business Credit Card linked to a Membership Rewards account with other enrolled charge cards, unless you have an Executive Business Card, or any Additional Card of an Executive Business Card, or a Business Membership Rewards Card, or any Additional Card of a Business Membership Rewards Card linked to the same Membership Rewards account.
2. The annual program fee is nonrefundable and will be billed to your Card account on the enrollment date or the enrollment date anniversary as the case may be. The enrollment date will be the day we complete processing your program enrollment.


POINT ACCRUAL


1. Enrolled CMs will accrue one point in their program account for every eligible dollar charged and billed on their Linked Accounts, provided such charges are paid on time, except as indicated in the next sentence. Sign & Travel Account, Extended Payment Option, Business Payment Option and Eligible AMEX Credit Card charges will accrue when billed, as long as the minimum payment is kept current. Rewards Plus Gold CMs will accrue 2 points during their first year of membership and 1.5 points during each succeeding year of membership for every dollar charged to the Rewards Plus Gold Card account with any airline or hotel that has a participating Frequent Customer program in the program.
2. Points accrued in your program account for any given year will be carried forward on each enrollment date anniversary, provided all other conditions set forth herein have been met. You will not accrue points in your program account for any Card charges processed by us prior to that Cards enrollment date, if applicable.
3. You will not accrue points in your program account for the following: Savings; Balance Transfers; Privileged Assets; Express Cash; AMEX Travelers Cheque or AMEX Gift Cheque Purchases; Cash Advances; Membership Rewards point redemptions; Charges for Dishonored Payments; Convenience Check Transactions; Finance Charges; Delinquency Charges; Late Fees and other Fees, including program annual fees, Card account annual fees, fees for enrollment-based CM Services and the federal excise tax offset fee.
4. Points accrued in any program account do not constitute property of the CM and are not transferable by operation of law or otherwise to any person or entity and cannot be transferred to any other account.
5. Credits posted to your Linked Accounts, including those arising from returned goods or services, will reduce the points accrued in your program account.
6. Permitted returns of these redemptions: Pay with Points, shopAmex, Ticketmaster, Telecharge, Official Payments, Link2Gov, Tribeca Film Festival, USGA and Live Nation that result in 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.


POINT FORFEITURE FOR LATE PAYMENT


1. If the amount due on any Linked charge Card Account is not paid in full within one month of the closing date on the billing statement for that Linked Account, points accrued in the program for that Linked Account for that month may be forfeited.
2. For any Linked Card Account for which points have been forfeited, once the Linked Account returns to good standing, the forfeited points may be reinstated for a $29 fee for each month of points reinstated.


POINT FORFEITURE FOR ACCOUNT CANCELLATION


1. If for any reason we cancel any Linked Account (including because of your death, bankruptcy or insolvency), any points accrued in your program account will be forfeited. If we reinstate the Linked Account(s) within one year of cancellation, any points accrued in your program account may be converted into a participating Frequent Customer program or redeemed for a reward, provided all other conditions set forth herein have been met.
2. If you voluntarily cancel enrollment in the program or cancel all Linked Accounts enrolled in the program but keep at least one AMEX Card open and in good standing, you will have up to 30 days from date of cancellation to redeem the points accrued in the program account.
3. If you cancel a Linked Account and cancel all Cards that are issued by AMEX or its affiliates, all points accrued in the program account will be forfeited immediately.
4. If any Linked Account is not in good standing, your enrollment in the program may be canceled or the points accrued in your program account forfeited.

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