american express business gold card cash advance

Amex sometimes can gets really weird if they think there's a way to basically get cash off the card without doing a cash advance. In other case. Chase online; credit cards, mortgages, commercial banking, auto loans, investing & retirement planning, checking and business banking. We currently accept Visa, MasterCard, Discover, American Express, What are credit card transactions considered cash advances?

: American express business gold card cash advance

Corolla classic vacations promo code
LOCAL FOODS DOWNTOWN HOUSTON PARKING
CAR RENTAL INSURANCE USA

American express business gold card cash advance -

Blue Cash Preferred® Card from American Express 2021 Review – Ideal For Groceries

Blue Cash Preferred® Card from American Express vs. Blue Cash Everyday® Card from American Express

Those who frequently spend in the bonus categories offered on the Blue Cash Preferred,  but can’t stomach an annual fee, may want to consider the Preferred’s no-annual-fee sibling card, the Blue Cash Everyday® Card from American Express. With this card you’ll earn 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 2% cash back at U.S. gas stations and at select U.S. department stores and 1% cash back on other purchases. Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits. So you’re earning less at supermarkets and gas and trading transit rewards for department store bonus earnings. Those who spend more than $61 a week on groceries and other supermarket items will come out ahead with Blue Cash Preferred in spite of the $0 introductory annual fee for the first year, then $95. annual fee. (Terms apply. See rates and fees.)

Blue Cash Preferred® Card from American Express vs. Chase Freedom Flex℠

Although the Blue Cash Preferred Card and the no-annual-fee Chase Freedom Flex don’t offer the same bonus spending categories, the Freedom Flex also offers the ability to earn significant bonus cash back in its top categories.

The Chase Freedom Flex earns 5% cash back on up to $1,500 in combined purchases in activated bonus categories each quarter, 5% on travel purchased through Chase Ultimate Rewards®, 3% on dining at restaurants, including takeout and eligible delivery services, 3% on drugstore purchases and 1% on all other eligible purchases.

Those whose budgets lean more towards travel and dining out may find that the overall rewards structure of the Freedom Flex benefits them more than the Preferred. Because the two cards cover different areas of common spending, it may also make sense to pair the two cards to earn elevated rewards across a wide swath of categories.

Blue Cash Preferred® Card from American Express vs. Citi® Double Cash Card

The Blue Cash Preferred Card is an entirely different cash-back animal from the beast that is the Citi Double Cash Card. The Citi Double Cash offers up to 2% cash back on all purchases—1% when purchases are made and an additional 1% upon paying for them—and not a lot else when it comes to cash back.

Unlike the Blue Cash Preferred which only has a 0% APR offer on purchases, the Double Cash has a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 13.99% - 23.99%, based on creditworthiness. There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5). The balance transfer fee should be taken into consideration before transferring a balance.

These two cards could also work well together for those who find their spending priorities align well with the higher earning categories of the Blue Cash Preferred Card but don’t want to lose out on higher cash back opportunities all-around.

Источник: https://www.forbes.com/advisor/credit-cards/reviews/american-express-blue-cash-preferred/

Introducing The ultimate mobile bank account

Not a gift card. Must be 18 or older to purchase. Activation requires online access, mobile number and identity verification (including SSN) to open an account and access all features. Activated, personalized card required to access some features.

Green Dot Cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Green Dot Bank also operates under the following registered trade names: GO2bank, GoBank and Bonneville Bank. These registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. Green Dot is a registered trademark of Green Dot Corporation.​

Banking services provided by, and the Uber Visa Debit Card, is issued by GoBank, a brand of Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

Banking services provided by, and Intuit Visa Debit Card, is issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc.

GO2bank Card issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. ​

The Walmart MoneyCard MasterCard Card is issued by Green Dot Bank pursuant to a license from MasterCard International Incorporated. MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

The RushCard Prepaid Visa® Card is issued by MetaBank®, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. Card accepted everywhere Visa debit cards are accepted. RushCard are registered trademarks of UniRush, LLC. All other trademarks, service marks and other registered marks are the property of their respective owners. 

All third-party names and logos are trademarks of their respective owners. These owners are not affiliated with Green Dot and have not sponsored or endorsed Green Dot products or services.

Источник: https://www.greendot.com/

How to get a cash advance with American Express

When you’re strapped for cash, reaching for your plastic to take out cash against your credit line may seem like an attractive idea. It’s convenient, and you can quickly get access to money you need for a transaction that can’t be completed using a credit card.

Yet, because of its high costs, a cash advance can be a dangerous kind of debt. It’s generally recommended to avoid cash advances, as they can be terrible news for your financial health.

Still, sometimes a cash advance can be the only option you have. If that’s the case, and you’re an American Express cardholder, here’s how you can get a cash advance from your Amex card.

What is a cash advance?

A cash advance is a type of transaction that allows you to borrow cash from your credit card, usually up to the credit limit. You could compare it to taking out money from your debit card; but with a cash advance, you’re borrowing it, which makes it a subject to interest and fees.

Cash advance terms aren’t cardmember-friendly. They include their own APR, and interest starts accruing right away, all of which makes a cash advance more of a last resort option.

If you urgently need cash, consider other ways you might be able to get it. For instance, a personal loan may provide much better terms, or you may ask your family or friends for help. Even overdrafting your checking account might turn out to be a better option in certain situations.

How to get a cash advance with American Express

If your credit card is the only way you can access cash, American Express allows you to request a cash advance.

Unlike other credit card issuers, Amex doesn’t offer that many ways to get a cash advance – you can only withdraw cash from a participating ATM.

To do that, you’re going to need a PIN. Some cardmembers can view and change their PIN in their online account in the Card Management section. If you don’t see the option in your online account, you can request a PIN by calling Amex at 1-800-227-4669.

American Express cards don’t have a set credit limit like other credit cards, but it doesn’t mean you can get any amount of cash with a cash advance.

For instance, here are cash advance limits on some of the Amex credit cards:

What to consider before getting a cash advance

A cash advance should be seen as a last resort solution due to terms that make them extremely costly and create the potential for dangerous debt.

The interest rate you pay on cash advances is different from your regular purchase APR and is typically much higher. Not to mention, there are other fees you’ll need to pay on top of that.

See related: How do credit card APRs work?

Cash advance fee

When you take out a cash advance on your Amex credit card, you’re required to pay $10 or 5% of the amount, whichever is greater. Note that there might also be an ATM fee for withdrawal, making the transaction even more costly.

Higher interest rate

Currently, the cash advance APR on Amex cards is 25.24%, but it varies based on the prime rate.

Another important thing to keep in mind is that there’s no grace period when you get a cash advance, meaning interest is charged and begins accruing immediately. This is the main reason to avoid using the cash advance option. Unless you pay it off right away, it can turn into snowballing debt that’s detrimental to your financial health.

Bottom line

A cash advance can be a helpful option when you’re in an urgent need of cash and credit cards aren’t accepted. If you have an Amex credit card, you can get a cash advance from a participating ATM using your PIN. But think twice before you do so: A cash advance can quickly turn into extremely expensive debt if you don’t pay it off quickly.

*All information about the American Express Green Card has been collected independently by CreditCards.com and has not been reviewed by the issuer.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Ana Staples is a staff reporter and young credit expert reporter for CreditCards.com and covers product news and credit advice. She loves sharing financial expertise with her reader and believes that the right financial advice at the right time can make a real difference. In her free time, Anastasiia writes romance stories and plans a trip to the French Riviera she'll take one day—when she has enough points, that is.

Источник: https://www.creditcards.com/credit-card-news/american-express-cash-advance/

How to get an American Express cash advance

{"menuItems":[{"label":"How to get an American Express cash advance","anchorName":"#how-to-get-an-american-express-cash-advance"},{"label":"What purchases does American Express consider to be a cash advance?","anchorName":"#what-purchases-does-american-express-consider-to-be-a-cash-advance"},{"label":"American Express cash advance fees","anchorName":"#american-express-cash-advance-fees"},{"label":"Cash advance alternatives","anchorName":"#cash-advance-alternatives"},{"label":"Bottom line","anchorName":"#bottom-line"},{"label":"Frequently asked questions","anchorName":"#frequently-asked-questions"}]}

If you own an American Express charge or credit card, you can get cash from an ATM or a bank teller should you need it. But because the cash comes from your line of credit, it comes with hefty fees and interest. This makes it an expensive option, which you should use only in emergencies.

You must first have an American Express card to get an American Express cash advance. Once you have the card, here’s what to do:
  1. Call 800-227-4669 and request a PIN if your card doesn’t have one.
  2. Go to a participating ATM and insert your card.
  3. Enter your PIN and select “Cash Advance” on the menu screen.
  4. Enter the amount you want to withdraw.

Cash advance limits

Some American Express cards have cash advance limits. These are:
  • American Express® Green Card – $3,000
  • American Express® Gold Card – $6,000
  • The Platinum Card® from American Express – $8,000
  • Centurion® Card from American Express – $10,000

Note that your card’s limits could be different. Look for your card’s cash advance limit on your billing statement.

In addition to taking out an advance at the ATM, Amex counts some purchases as cash advances. These include:

  • ATM transactions
  • Gambling
  • Gift cards
  • Money orders
  • Traveler’s checks
  • Wire transfers
American Express has one of the highest cash advance fees and cash advance APRs on this type of transaction.

For cash advances using your American Express credit card, you’ll pay:

  • A 5% fee of the amount, but not less than $10.

The average cash advance APR is 26.74% but it could vary between cards. Here’s how much a $500 ATM cash advance would cost:

Amount$500
Cash advance fee$25
ATM fee$3
30-day cash advance APR$11 on average, but it depends on your creditworthiness
Total$539

Cash advances can be expensive. Make sure you understand which transactions are considered cash advances and how much they cost before you pull the trigger.

If cash advances seem expensive to you, there are cheaper alternatives you can consider during financial emergencies. For example, you can get a:

  • 0% purchase intro APR period credit card.
    This type of card comes with a promotional interest-free period on all purchases made with your card. Most cards offer between 12 and 15 months of 0% intro APR period, but some cards may offer up to 20 months. This can help you make the purchase and pay it off in the next months without paying interest.
  • Balance transfer credit card.
    Balance transfer credit cards offer a promotional 0% intro APR period of up to 21 months on the debt you move from other cards. If paying your current debt is expensive because of high interest rates, consider a 0% APR balance transfer card.

American Express cash advances are among the most expensive ones. Because of that, it’s best to avoid cash advances or use them sparingly if there’s no other alternative.

Know your options for using a card for cash advances, and compare credit cards with low cash advance fees until you find the right fit for your wallet.

Read more about cash advances from different banks

  • No. You must request a PIN number if you don’t have one before you can use your card for ATM cash withdrawals.

  • Call 800-CASH-NOW and request to change your PIN.

  • Check your billing statement to see your cash advance limit.

  • No, you won’t earn any rewards on cash advance transactions.

Источник: https://www.finder.com/american-express-cash-advance

Travel with Grant Advertiser Disclosure

Good morning everyone, I hope you had a great weekend.  A few days ago, I was instantly approved for the American Express Gold Card.  I was able to add the Gold Card to my Apple Wallet and use it a few times via Apple Pay.  I am happy to report that I got my new Gold Card via UPS Next Day Air and I can do an unboxing post for this card.  In case you missed my last unboxing post, don’t forget to read Unboxing My US Bank Altitude Reserve Visa Infinite Credit Card: Card Art, Welcome Letter & Booklet.  Here is the front and back of the American Express Gold Card (my referral link).  As you can tell, the front of the card is a much darker gold than the back of the card.  American Express also wants you to use Contactless Payment (tap & pay feature of the card), since the logo is on both sides of the card.  The card is made of metal, similar to the American Express Platinum Cards.  Let’s see what else came with my Gold Card in the welcome package.


This white box came inside a UPS Next Day Air Envelope.

Inside the box, there is a purple sleeve that says “Now You’re Golden” which is a nice touch.

Inside the purple sleeve is a colorful envelope (I was so excited to open the envelope that I forgot to take a picture of the envelope before opening it up).

Here are the documents that came inside the envelope.

Here is the front and back of the welcome letter.  I find this welcome letter to be pretty boring, there is no mention of the sign up bonus or card benefits.


Here is the front and back of the Cardmember Agreement.  You can see details regarding annual fees, foreign transaction fees, and a $25 account reopening fee (never heard of that fee before).


On two other pages of the Cardmember Agreement, I spotted details of cash advance limits.  Apparently, different tiers of American Express charge cards have different cash advance limits.  I had no idea that the Gold Card had a $6,000 cash advance limit, the Platinum Card had a $8,000 cash advance limit, and what is the Zync Card?


Lastly, here are the account terms and conditions of this card.

If you have any questions about the American Express Gold Card (my referral link), please leave a comment below.  Have a great day everyone!

P.S. If you liked this post, I recommend reading my other credit card unboxing posts (sorted by date):
Date PublishedBlog Post
November 14, 2019JPMorgan Chase Ritz Carlton Visa Infinite Credit Card (second unboxing)
July 25, 2019Citi Premier Credit Card
July 24, 2019Banco Popular Avianca Vuela Credit Card
July 23, 2019Wells Fargo Propel World Credit Card
July 20, 2019American Express Delta Platinum SkyMiles Credit Card
April 1, 2019American Express Gold Card
March 29, 2019US Bank Altitude Reserve Visa Infinite Credit Card
November 8, 2018CNB City National Crystal Visa Infinite Credit Card
August 5, 2018Chase IHG Rewards Premier Credit Card
July 31, 2018American Express Hilton Honors Business Credit Card
May 8, 2018US Bank Radisson Rewards Business & Premier Visa Signature Credit Cards
April 26, 2018Discover It Miles Credit Card
April 23, 2018Chase Marriott Rewards Business Credit Card
April 18, 2018American Express Hilton Honors Aspire Credit Card
September 16, 2017Citi Prestige Credit Card
June 1, 2017American Express Blue Business Plus Credit Card
September 17, 2016JPMorgan Chase Ritz Carlton Visa Infinite Credit Card (original unboxing)

Check Out These Related Posts:

This entry was posted in Credit Cards, Promotions + Deals and tagged American Express, American Express Membership Rewards Points, Credit Cards, Promotions, Travel, Travel Credit Cards. Источник: https://travelwithgrant.boardingarea.com/2019/04/01/unboxing-my-american-express-gold-card-card-art-welcome-documents/

Loyalty Program Terms & Conditions

Updated November 2021

Effective in February 2019, the loyalty program for Marriott International, Inc. is Marriott Bonvoy™ (hereinafter, the “Loyalty Program”). Prior to this, the Loyalty Program operated as a unified program under three names: Marriott Rewards® Program, The Ritz-Carlton Rewards Program, and the Starwood Preferred Guest® Program (the “SPG Program”) (each a “Legacy Program”). These Legacy Programs were operated by Marriott International, Inc. and its subsidiaries, including Marriott Rewards, LLC and Preferred Guest, Inc. (collectively, the “Company”).

The Loyalty Program operates under the terms and conditions as set out below unless otherwise expressly stated (the “Program Rules”). The Program Rules hereby incorporate the additional Managed Associate Rules that shall apply to employees of the Company and to associates working at Company owned, leased, licensed and managed locations. The Managed Associate Rules do not apply to employees of Company franchisees, licensees and owners of Company managed properties.

The Program Rules govern the Company’s relationship with members of the Loyalty Program (collectively, “Loyalty Program Members,” and individually, a “Loyalty Program Member,” “Member,” or “you”), including how Members manage their accounts, book reservations, achieve elite status, earn and redeem Loyalty Program points (“Points”) with participating hotels and properties (each a “Participating Property”), as well as with third party programs which have a business relationship with the Loyalty Program such as airline frequent flyer programs (“Partner Programs”).

The Program Rules incorporate the additional terms that apply to certain experiences or properties which participate in the Marriott Bonvoy loyalty program in a limited or unique capacity – including All-Inclusive by Marriott Bonvoy and The Ritz-Carlton Yacht Collection. Specific Loyalty Program benefits, amenities, offers, awards and services may not be available at or as part of such experiences or properties, even though the applicable experience or property is not explicitly identified as being excluded where the benefit, amenity, offer, award or service is described in these Program Rules. Please refer to the Supplemental Terms page to view the separate terms governing the participation in the Loyalty Program by the applicable experience or property for information on what features of the Loyalty Program are available.

By opening a Loyalty Program membership account (“Account” or “Membership Account”), or by using either your membership card or the Membership Account number you were assigned (“Membership Number”) to receive and redeem benefits of the Loyalty Program, including, without limitation, Loyalty Program Points, you agree that:

•you have read and accept these Program Rules; and you have read and accept the Website Terms of Use which are incorporated by reference herein; and

•you consent to the collection, use, and disclosure of your personal data by the Company, the Loyalty Program, Participating Properties and Partner Programs, and their authorized third-party agents and licensees in accordance with the Company’s Privacy Statement.

All Loyalty Program benefits, amenities, offers, awards and services are subject to availability and may be changed by the Company at any time without notice. The Company may terminate the Loyalty Program, in whole or in part, with six (6) months' advance notice to all active Loyalty Members and with less than six months' notice in any jurisdiction if required to do so by applicable law. At the Company’s sole discretion, the Company may choose to substitute a similar loyalty program for the Loyalty Program at any time immediately upon notice to active Loyalty Members. If the Loyalty Program is terminated, all unredeemed Points will be forfeited without any obligation or liability, and no Redemption Award claims or promotional Award claims will be honored after the conclusion of the notice period.

These Program Rules supersede all previous terms and conditions applicable to the Legacy Programs or Loyalty Program. Except as otherwise expressly prohibited or limited by applicable laws, Company may at any time amend, modify or supplement these Program Rules, the structure for earning awards (“Awards,” and individually, an "Award") and Award levels at any time, with or without notice, even though such changes may affect the value of Points or Miles, or the ability to obtain certain Awards (collectively “Program Rules Changes”). Loyalty Members are responsible for remaining knowledgeable of the Program Rules and any Program Rule Changes. Your continued participation in the Loyalty Program will constitute your acceptance of any such Program Rule Changes.

1. JOIN THE LOYALTY PROGRAM

1.1 Eligibility.

Membership in the Loyalty Program is free and available to any individual who: (a) possesses the legal authority to agree to the Program Rules; (b) resides in a jurisdiction which legally permits participation in the Loyalty Program; (c) is not a resident of Cuba, Iran, North Korea, Syria, or the Crimea region of Ukraine; (d) provides valid and accurate personal information when enrolling in the Loyalty Program; (e) is not already a member of the Loyalty Program (i.e., does not already have a Membership Account); and (f) has not previously been terminated from the Loyalty Program or any of the three Legacy Programs by the Company.

1.1.a. Members are responsible for reading and understanding the Loyalty Program Rules, Account statements, and other communications from the Company about the Loyalty Program in order to understand his/her rights, responsibilities, and status in the Loyalty Program. If a Member has any questions about the Loyalty Program or these Program Rules, the Member should contact Member Support.

1.1.b. Members are responsible for reading the Company’s Privacy Statement in order to understand how the Company collects, uses, and discloses a Member’s data. If a Member has any questions about the Company’s Privacy Statement or its collection, use, or disclosure of a Member’s data, the Member should contact Member Support.

1.2 Participating Properties and Brands

1.2.a. “Participating Properties” are hotels, resorts, and other transient stay properties operated under the brands below that are owned, managed, franchised or licensed by Marriott International (“Participating Brands”) and are bookable through Marriott Channels unless otherwise stated (see 1.2.b.). Residences properties (“Residences”), whether offered as whole or fractional ownership, as serviced apartments, or condominiums, are by nature, not transient stay properties and therefore, do not participate in the Loyalty Program unless otherwise outlined below. The Participating Properties and Participating Brands include:

i.     The Ritz-Carlton® - all locations except for:

A.    The Ritz-Carlton Residences®, Waikiki Beach participates in the Loyalty Program as follows:

(1) Earn Points or Miles as described in Section 2
(2) Redeem Points as described in Section 3
(3) Members receive benefits as defined in Section 4 except for the following:
Complimentary Enhanced Room Upgrades, Late Checkout, Suite Night Awards, and Your24™.

B.    The Ritz-Carlton Destination Club® properties - earning partner for Elite Night Credit (as defined by 2.1.a.) only for Members staying at The Ritz-Carlton Destination Club locations under their ownership benefit; no Points redemption and no Points or Miles earning

C.     The Ritz-Carlton Yacht Collection - earning and redemption partner with unique participation in the Loyalty Program as expressly identified in their separate terms of service (“RCYC Terms”). Members who book and complete reservations through RCYC are subject to the Program Rules, these RCYC Terms, as well as the legal information found on The Ritz-Carlton Yacht CollectionOpens in a new browser window.

D.    The following properties do not participate in the Loyalty Program:

●    The Ritz-Carlton, Millennia Singapore
●     The Ritz-Carlton Reserve® properties
●     The Ritz-Carlton Residences, except as noted above
●     The following partner properties:

○     Hotel Ritz-London - London, UK
○     Bulgari Hotels and Resorts - all locations

ii.     St. Regis® - all locations except for:

●    The St. Regis Residence Club® properties - earning partner for Elite Night Credit (as defined by 2.1.a.) only; no Points redemption and no Points or Miles earning
●    The St. Regis Residences do not participate in the Loyalty Program

iii.     EDITION® - all locations except for:

●    EDITION Residences do not participate in the Loyalty Program

iv.     The Luxury Collection® - all locations except for:

●    The Luxury Collection Residences do not participate in the Loyalty Program

v.     W® - all locations except for:

●    W Residences do not participate in the Loyalty Program

vi.     JW Marriott® - all locations

vii.     Marriott Hotels® - all locations except for:

●    Marriott Residences do not participate in the Loyalty Program

viii.     Sheraton® - all locations except for:

●    Sheraton Residences do not participate in the Loyalty Program

ix.     Marriott Vacation Club® and Marriott Grand Residence Club® - all locations except for:

A.     Grand Residences by Marriott – Mayfair-London, UK

B.     Marriott Vacation Club® at The Empire Place©, Bangkok, Thailand

Marriott Vacation Club and Marriott Grand Residence Club properties which participate have limited on-property benefits as outlined in Section 4 and Section 7.

x.         Delta Hotels by Marriott™ - all locations

xi.     Le Méridien® - all locations except for:

●    Le Méridien Residences do not participate in the Loyalty Program

xii.     Westin® - all locations except for:

●    Westin properties that are part of All-Inclusive by Marriott Bonvoy (see 1.2.a.xxxiv) participate in the Loyalty Program in a unique capacity as expressly identified in their separate terms of service (“All-Inclusive by Marriott Terms”).

●    Westin Residences do not participate in the Loyalty Program.

xiii.     Autograph Collection® Hotels - all locations except for:

A.    The Cosmopolitan of Las Vegas participates in the Loyalty Program as follows:

(1)     The only charges that qualify for Points are the following: Room rate, room service food and beverage, in-room movies, phone calls and in-room minibar purchases. Points cannot be earned on any other purchases at hotel outlets or for hotel services.

(2)     Points may be redeemed for all Qualifying Stays (defined in Section 2.1.d.) at The Cosmopolitan of Las Vegas.

(3)     Limited benefits are provided as described in Section 1.3, Section 3.7, Section 4, except for the breakfast option associated with the Elite Welcome Gift benefit which is not available, and Section 6.4.

(4)     Members who hold dual membership in both the Marriott Bonvoy Loyalty Program and The Cosmopolitan of Las Vegas Identity Program can choose to receive the benefits of, and apply their room charges and in-room consumable earnings to, either program, but cannot concurrently receive the benefits of nor apply earnings to both. Marriott Bonvoy and the Identity Program are two separate loyalty programs; therefore accounts may not be linked or merged. Members may elect to earn Marriott Bonvoy Points and receive Marriott Bonvoy program benefits by providing their Membership Number at the time of reservation.

B.    Autograph Collection Residences do not participate in the Loyalty Program

xiv.      Design Hotels™ - all locations identified as a property which participates in the Loyalty Program are listed here and participate as follows:  

A.      Earn Points or Miles as described in Section 2

B.      Redeem for Free Night Awards only as described in Section 3

C.      Provide limited benefits as described in Section 1.3 and Section 4

xv.      Renaissance® Hotels - all locations

xvi.      Tribute Portfolio® - all locations

xvii.      Gaylord Hotels® - all locations

xviii.      Courtyard® - all locations

xix.      Four Points® - all locations

xx.      SpringHill Suites® - all locations

xxi.      Protea Hotels® - all locations

There are additional terms and conditions for Prokard Explorer members who are also Loyalty Program Members as outlined in Section 1.3.

xxii.      Fairfield® by Marriott - all locations

xxiii.      AC Hotels® - all locations

xxiv.      Aloft® Hotels - all locations

xxv.      Moxy® Hotels - all locations

xxvi.      Residence Inn® - all locations

xxvii.     TownePlace Suites® - all locations

xxviii.     Element® - all locations

xxix.     Marriott Conference Centers - all locations except for:

●     Rotary House Hotel, Houston, TX

xxx.     Vistana properties – the following Vistana properties participate in the Loyalty Program. Properties that participate provide limited on-property benefits as outlined in Section 4 and Section 7.

●    Phoenician, Residences, a Luxury Collection Residence Club, Scottsdale - earning partner for Elite Night Credit (as defined by 2.1.a.) only; no Points redemption and no Points or Miles earning
●    Sheraton Broadway Plantation Resort Villas
●    Sheraton Desert Oasis Villas, Scottsdale
●    Sheraton Kauai Resort
●    Sheraton Lakeside Terrace Villas at Mountain Vista, Avon, Vail Valley
●    Sheraton Mountain Vista Villas, Avon/Vail Valley
●    Sheraton PGA Vacation Resort, Port St. Lucie
●    Sheraton Steamboat Resort Villas
●    Sheraton Vistana Resort Villas, Lake Buena Vista/Orlando
●    Sheraton Vistana Villages Resort Villas, I-Drive/Orlando
●    St. Regis Residence Club, Aspen – earning partner for Elite Night Credit (as defined by 2.1.a.) only; no Points redemption and no Points or Miles earning
●    St. Regis Residence Club, New York – earning partner for Elite Night Credit (as defined by 2.1.a.) only; no Points redemption and no Points or Miles earning
●    The Westin Desert Willow Villas, Palm Desert
●    The Westin Ka'anapali North Villas
●    The Westin Ka'anapali Ocean Resort Villas
●    The Westin Kierland Villas
●    The Westin Lagunamar Ocean Resort Villas & Spa, Cancun
●    The Westin Los Cabos Resort Villas & Spa
●    The Westin Mission Hills Resort Villas, Palm Springs
●    The Westin Nanea Ocean Villas, Ka'anapali
●    The Westin Princeville Ocean Resort Villas
●    The Westin Riverfront Mountain Villas, Beaver Creek Mountain
●    The Westin St. John Resort & Villas
●    Vistana Beach Club

xxxi.     Non-branded properties - the following non-branded properties participate:

A. Certain transient stay properties operate in agreement with the Company and are not under a Participating Brand but are bookable through Marriott Channels (noted in 1.2.b) or Marriott Websites (noted in 1.2.c). Unless otherwise indicated through the Marriott Channels and Marriott Websites, these non-branded properties participate in Marriott Bonvoy based on the Participating Brand or All-Inclusive Resort they will convert to at a later date.

B. Atlantis, Paradise Island, Bahamas participates in the Loyalty Program as follows:

(1) Points or Miles may be earned for reservations booked through www.marriott.com/atlantis/travel.mi, by calling +1 (855) 696-4732, or booked through Atlantis Paradise Vacations, by calling +1 (800) ATLANTIS or +1 (800) 285-2684. Points cannot be redeemed for reservations booked through Atlantis Paradise Vacations. Points or Miles will not be earned and Points cannot be redeemed for reservations booked through AtlantisBahamas.comOpens in a new browser window.

(2) Points or Miles may be earned and Points may be redeemed for stays at The Coral at Atlantis; The Royal at Atlantis; and The Cove at Atlantis.

(3) Redemption stays at The Coral at Atlantis; The Royal at Atlantis; and The Cove at Atlantis will include a single or double standard room, including the cost of the hotel room, room tax. Extra-person charges for the third, fourth, or more guests in the room is an additional fee and not included in the award redemption as form of payment. This fee as well as all other property charges, including resort fees and service charges are the responsibility of the Loyalty Program Member and are not included in the stay.

(4) Points or Miles may be earned on room rate only. The Reef at Atlantis, The Beach at Atlantis, and Harborside at Atlantis do not participate in the Loyalty Program.

(5)Limited benefits are provided as described in Section 1.3, Section 3.7, Section 4, except for the breakfast option associated with the Elite Welcome Gift benefit which is not available, and Section 6.4.

xxxii.     Marriott Executive Apartments® - Base Points and Miles earning partner only (no Points redemption or on-property Elite benefits including Elite bonus Points)

xxxiii. Homes & Villas by Marriott International – short-term home rentals provided through https://homesandvillasbymarriott.comOpens in a new browser window have limited participation in the Loyalty Program as outlined in the HVMI Terms of ServiceOpens in a new browser window. Members who book through the HVMI website are subject in all respects to the Program Rules and the HVMI Terms of Service.

xxxiv.     All-Inclusive by Marriott Bonvoy – Unless otherwise indicated, resort properties identified on https://all-inclusive.marriott.comOpens in a new browser window participate in the Loyalty Program (“All-Inclusive Resorts”) in a unique capacity as expressly stated in their separate terms of service (“All-Inclusive by Marriott Terms”). Members who book and stay at an All-Inclusive Resort are subject in all respects to the Program Rules and the All-Inclusive by Marriott Terms.

1.2.b. “Marriott Channels” are collectively the Marriott Websites, the Mobile Apps, and the Customer Engagement Centers (which include Member Support).

1.2.c. “Marriott Website” is a website operated by or on behalf of the Company or a Loyalty Program Participating Property and currently includes these websites: Marriott.com, RitzCarlton.com, stregis.com, editionhotels.com, theluxurycollection.com, bulgarihotels.com, whotels.com, jwmarriott.com, marriotthotels.com, sheraton.com, deltahotels.com, lemeridien.com, westin.com, autographhotels.com, design-hotels.marriott.com, renhotels.com, tributeportfolio.com, gaylordhotels.com, courtyard.com, fourpoints.com, springhillsuites.com, proteahotels.com, fairfield.marriott.com, achotels.marriott.com, alofthotels.com, moxyhotels.com, marriottexecutiveapartments.com, residenceinn.marriott.com, TownePlaceSuites.com, elementhotelshub.com, homesandvillasbymarriott.com, all-inclusive.marriott.com, and MarriottBonvoy.com.

1.2.d. A “Mobile App” is a downloadable application operated by or on behalf of the Company in connection with the Loyalty Program including, without limitation, the iPhone and Android versions thereof.

1.3 Benefits of Membership

1.3.a. Member Support. Loyalty Program Members will have access to Member service telephone numbers for reservations, customer service and award redemption requests on the Member Support Website.

1.3.b. Member Rates.

i.     Member Rates.  Loyalty Program Members will receive an exclusive, preferred rate ("Member Rate") when they book rooms through a MarriottChannel. Member Rates are available at Participating Properties and Brands except at Atlantis, Paradise Island, Bahamas, The Cosmopolitan of Las Vegas, Design Hotels, and Homes & Villas by Marriott International. Advance reservations are required.

A.      Member Rate offers a discount of at least two percent (2%) on weekdays and up to five percent (5%) on weekends. The Ritz-Carlton, St. Regis, and EDITION offer 2% all days of the week.

B.      Member Rate is applied to the Participating Property's lowest applicable available public rates for non-premium rooms.

C.      Member Rate must be booked by the Member using the appropriate Member Rate category.

D.      Member Rates do not apply to groups of ten (10) or more guest rooms.

E.      Member Rate may not be combined with other select promotions, offers or discounts, and is not valid for existing reservations or groups.

F.      Member Rate does not apply to qualified transient rates such as government rates, negotiated rates, AAA rates, and the Senior Discount rate.

1.3.c.  Complimentary In-Room Internet Access.  A Member who books a stay at a Participating Property through a Marriott Channel will receive complimentary standard in-room internet access during the stay, and Marriott Bonvoy Gold Elite, Marriott Bonvoy Platinum Elite, Marriott Bonvoy Titanium Elite, Marriott Bonvoy Ambassador Elite Members, and any co-brand credit card holder that has premium internet access as a benefit, will receive complimentary enhanced in-room internet access regardless of booking method (collectively, the "Internet Access Benefit"). The additional exclusions set forth below apply.

i.      The Internet Access Benefit is limited to one (1) guest room per eligible Member per stay regardless of how many rooms have been reserved, and the Member must stay in the guest room and pay for the charges.  The Internet Access Benefit is not applicable for meeting rooms.

ii.      No additional Internet Access Benefit will be provided at Participating Properties and Brands that offer complimentary in-room Internet access to all guests.

iii.      Participating Properties that provide complimentary in-room internet access to all guests include:  EDITION, Marriott Vacation Club, Marriott Grand Residence Club, Vistana properties, Courtyard, Four Points, SpringHill Suites, Protea Hotels, Fairfield by Marriott, Aloft, Moxy Hotels, Residence Inn, TownePlace Suites, Element and Homes & Villas by Marriott International.

iv.      Participating Properties that have mandatory resort charges, which include internet access, will provide a replacement benefit, to be determined at each Participating Property's discretion.

v.      Participating Properties that offer complimentary standard in-room internet access to Gold Elite, Platinum Elite, Titanium Elite and Ambassador Elite Members only include: Atlantis, Paradise Island, Bahamas and The Cosmopolitan of Las Vegas, NV.

vi.      Participating Properties and Brands with limited participation in complimentary in-room internet access include:  Delta Hotels.

vii.      Participating Properties and Brands that do not offer complimentary in-room internet access include:  Mulu Marriott Resort & Spa, Malaysia.

viii.      Properties and Brands that do not participate in the Loyalty Program pursuant to Section 1.2 do not offer the Internet Access Benefit for Members.

1.3.d. Benefits through Other Marketing Programs.

i.      Prokard Explorer. Prokard Explorer is a marketing program which offers its members benefits that are valid only at participating properties within the Protea Hotels portfolio.  Prokard Explorer operates both as a stand-alone program as well as in conjunction with the Loyalty Program.

A.      Prokard Explorer has no earn and redeem points benefits.  Guests who are members of both Prokard Explorer and the Loyalty Program can only earn and redeem Points or Miles with the Loyalty Program.

B.      When staying at a participating Protea Hotel, guests who are members of both Prokard Explorer and the Loyalty Program can (a) choose to earn Loyalty Program Points or Miles, and (b) receive benefits from both programs.  Prokard Explorer benefits include dining discounts, preferential rates, and accommodation vouchers.  Loyalty Program benefits are based on the membership tier as outlined in Sections 1.3 and 4.

C.      All Loyalty Program Rules apply.

1.4 Conditions of Enrollment

1.4.a.  Completing the Enrollment Application.  An individual may apply to enroll in the Loyalty Program by fully and accurately completing an application on the Loyalty Program website, at a Participating Property, or through another enrollment channel.  The Company may deny membership in the Loyalty Program to any applicant in its sole discretion and without written notice.

1.4.b.  Individual Membership.  Only individuals are eligible for Loyalty Program membership, and each individual may maintain only one Membership Account. All Loyalty Member Accounts are individual Accounts and no joint Accounts are permitted. Loyalty Program benefits are non-transferable unless expressly stated otherwise.

1.4.c.  Types of Membership

i.     Tier Membership.  A tier membership is the base membership level in the Loyalty Program.

ii.     Elite Membership.  Upon reaching certain milestones, a Member will earn elite membership status and become a Silver Elite, Gold Elite, Platinum Elite, Titanium Elite or Ambassador Elite Member (collectively, “Elite Membership Status,” or “Elite Status”). The requirements for earning Elite Status are set forth in Section 4.

iii.     Lifetime Elite Membership.  Upon reaching certain milestones, a Member may earn Lifetime Silver Elite, Lifetime Gold Elite, or Lifetime Platinum (collectively, “Lifetime Elite Membership Status,” or “Lifetime Elite Status”). The requirements for earning Lifetime Elite Status are set forth in Section 4.

iv.     Managed Associate Membership. Employees of the Company and associates working at Marriott owned, leased, licensed and managed locations (collectively, “Managed Associates,” and individually an “Managed Associate”) may participate in the Loyalty Program through: (1) a Membership Account identified as an Managed Associate ("Managed Associate Membership"); (2) timeshare ownership in Marriott Vacation Club, Marriott Grand Residence Club, or Vistana Networks; or (3) with an active Marriott Bonvoy co-branded credit card account where available. Managed Associate Membership Accounts are able to participate in the Loyalty Program in accordance with the Program Rules subject to restrictions and limitations identified in the Managed Associate Rules available for review on the Company’s intranet and other Marriott Channels.

v.     Corporate Membership.  Only individuals are eligible to participate in the Loyalty Program.  Corporations, groups and/or associated entities cannot enroll as Loyalty Program Members.  When traveling on business, it is a Member’s responsibility to comply with his or her company policy concerning travel programs.  Information regarding a Member’s accumulation of Points or Miles for business travel is subject to disclosure to the Member’s company subject to applicable law and regulations.

1.4.d.  Assignment of Membership Account and Membership Number.  After applying to the Loyalty Program, a Membership Account will be opened and a Membership Number will be assigned to each applicant.  Upon receiving this Membership Number, an individual becomes a Member eligible to earn Points or any currency used by an airline’s frequent flyer program (“Miles”) at Participating Properties.  Further details are outlined in Section 1.5 and Section 2.

1.4.e.  Duplicate Accounts.  An individual may join the Loyalty Program. However, a Member may not have one or more duplicate Accounts under the Loyalty Program at any time.

i.     If more than one Loyalty Program Membership Number is assigned to an individual for the Loyalty Program, he/she will only receive Points or Miles for one Membership Account. Duplicate Membership Accounts may be cancelled.

ii.     A Member with individual Membership Accounts in the Loyalty Program will not be able to link these Accounts, transfer points across Accounts, or have Elite Status matched. The Member must combine them into a single Membership Account with one number, one Elite Status, and one Points balance. Combining Accounts can requested through the online form. Combining Membership Accounts cannot be done at Participating Properties, through the Mobile App, or other booking channels.

iii.     When Members combine their Loyalty Program Membership Accounts, the Account details will immediately begin to be combined and some will be available instantly (Points, Nights, Elite Status, Upcoming Reservations), or within a few days (suite night awards, Free Night Award certificates, past activity, and Mobile key & guest services).

1.4.f.  Personal Profile.  Information provided by a Member will be maintained in a personal preference profile with the Membership Account.  All information provided by a Member in his/her personal profile must be valid and accurate and must be kept current. 

i.     A Member may change his/her address by changing his/her information on the Account Profile on the Loyalty Program website or contact Member Support.In certain instances, address changes may require supporting legal documentation.

ii.     Name changes to a Membership Account must include supporting legal documentation, signature, date and Membership Number.  More information is in our Frequently Asked Questions or Member Support.

iii.     Credit card information included in a Member’s profile will be used by Participating Properties to guarantee the Member’s stay and to pay for stay charges, unless the Member provides a different credit card when the reservation is made, at check-in or at check-out.  A Member may change his/her credit card authorization for future transactions by changing his/her information in the Account Profileon the Loyalty Program website or by contacting Member Support.A Member must notify the Company if the authorized credit card is lost, stolen, invalidated or expired.

1.4.g.  Use of Information Collected in Application.  The information a Member provides to the Company when completing the Loyalty Program application and redeeming Points is processed in accordance with the Company’s Privacy Statement.  Communication of relevant information is important to administering the Loyalty Program and providing each Member with the opportunity to maximize the benefits of Membership.  The Loyalty Program will only disclose Member information to:  the Company, person(s) authorized by the Member; franchisees, fulfillment houses, email service providers and mail houses that process mail for such entities; Authorized Licensees (as defined in the Company’s Privacy Statement); and marketing companies that provide services to the Company.  Member information will, in each case, only be disclosed for one or more of the following purposes:  1) in order to better service the Membership Account and the Member’s preferences by keeping the Member informed of Account status and activities through printed or electronic statements; 2) to assess a Member’s entitlement to benefits; 3) to collect and process Member charges incurred at the Company’s facilities; 4) to offer a Member additional products and services; 5) to send periodic satisfaction or market research surveys; and/or 6) to offer a Member products or services from select reputable companies with whom the Loyalty Program has a strategic relationship because the Loyalty Program believes their offerings will be of interest to the Member.  In choosing to become a Loyalty Program Member, the Member consents to receive all the types of information described above, but the Member will be given the opportunity to define and modify mailing and other communication preferences.

1.5 Membership Communications

1.5.a.  New Members will receive Marriott Bonvoy Loyalty Program communications. Legacy Program Members will no longer receive Legacy Program communications and instead will receive Marriott Bonvoy Loyalty Program communications.

1.5.b.  All Loyalty Program communications will be sent to a Member’s mailing address or email address currently provided in the Member’s Account.  Communications delivered to the address on file will be deemed to have been received one (1) business day after sending it if delivered to the Member’s email address or five (5) business days after sending it if delivered to the mailing address provided.  Members must keep their email and mailing addresses current.  Neither the Company nor the Loyalty Program shall have any responsibility for misdirected or lost mail or any consequences thereof.

1.5.c.  Members will receive regular Points balance reports by email, provided there has been a transaction on the Account since the last Points balance report and the Member provided the Company with the appropriate permission to contact the Member via email.

1.5.d.  The Company may also send Members promotions, offers and other communications from time to time, which may include, without limitation, items from third parties.  The items from third parties are based on the information provided to the Company by a Member and any additional data the Company may maintain.  Members may change personal details and communications preferences at any time in the Account Profile on the  Loyalty Program website  or by contactingMember Support; however, the Company may require a Member to send supporting documentation prior to allowing certain changes (e.g., legal name changes).

1.5.e.  Any time a Member contactsMember Support, the Company may ask the Member certain security questions to verify the Member’s identity.  Member Support may monitor or record telephone calls to improve quality of service.

1.5.f.  A Member can review his/her Points balance and transaction history and update personal details and preferences in theAccount Profile on the Loyalty Program website. A Membership Number or his/her user name and password are required to access the website.

1.6 Earning Points or Miles.

Members may earn Points (the currency of the Loyalty Program), or Miles (the currency of airline frequent flyer programs, including any currency whether it be miles, kilometers, points, etc., with the participating frequent flyer program of their choice), for eligible charges at a Participating Property in accordance with Section 2.

1.6.a. Points and Miles Subject to Program Rules. As set forth in Section 1.1.a., the accumulation of Points and Miles is subject to the Program Rules and airline frequent flyer program terms and conditions. Each Loyalty Program Member is responsible for reading the Program Rules, newsletters, and Account statements in order to understand his or her rights, responsibilities, and status in the Loyalty Program, as well as the structure for earning Awards.

1.6.b. Taxes. Points, Miles and Awards earned through participating in the Loyalty Program may be subject to tax liability. Any tax liability, including disclosure, connected with the receipt or use of Points, Miles or Awards is the sole responsibility of the Member.

1.6.c. Conditions for Transferring Points and Miles. Accrued Points and Miles do not constitute property of the Member. Points accrued by a Loyalty Program Member are for the Member’s benefit only and may not be transferred to anyone except as provided below.

i.      Transferring Points to Accounts of Family or Friends. There is a limited exception to the restriction on the transfer of a Member’s Points to the accounts of friends or family, provided both Accounts are in good standing. See Section 2.8 for more information.

ii.      Death. In the event of a Member’s death, the Company may, in its sole discretion, allow unredeemed Points from the deceased Member’s Account to be transferred to a family member or a friend who is an active Member upon the Company’s receipt and review of all requested documentation and communications. Awards, Elite Membership Status, Lifetime Membership Status, and the related benefits, including, without limitation, Elite Night Credit, will not transfer to the recipient of the Points.

iii.      Divorce. In the event of a Member’s adjudicated divorce settlement, the Company may, in its sole discretion, allow unredeemed Points to be transferred from one Member’s Account to another Member’s Account upon the Company’s receipt and review of all requested documentation and communications including, without limitation, legal documents directing such a transfer of Points. Awards, Elite Membership Status, Lifetime Membership Status, and the related benefits, including, without limitation, Elite Night Credit, will not transfer to the recipient of the Points.

iv.      Members are prohibited from bartering or selling Points for cash or other consideration pursuant to Section 1.7.h.

v.      Any Points which the Loyalty Program deems in its sole discretion to have been transferred in violation of the Loyalty Program Terms and Conditions may be confiscated.

1.6.d. Points Expiration Policy. Members must remain active in the Loyalty Program to retain Points they accumulate. If a Member Account is inactive for twenty-four (24) consecutive months, that Member Account will forfeit all accumulated Points. Members can remain active in the Loyalty Program and retain accumulated Points by earning Points or Miles, redeeming Points, or purchasing Points (as described in 2.9) in the Loyalty Program at least once every twenty-four (24) months, subject to the exceptions described below. If a Member does not maintain an active status for five (5) consecutive years, the Member’s Account may be deactivated. Once Points are forfeited, the Points cannot be reinstated, but a Member can earn new Points, unless that Member’s Account has been deactivated.

i.      Not all Points activities help maintain active status in the Loyalty Program. Examples of activities that do not count toward maintaining an active status in the Loyalty Program include, but are not limited to:

A.      Gifting or transferring Points; however, converting Points to Miles or Miles to Points does count toward maintaining an active status;

B.      Receiving Points as a gift or transfer

ii.      Awards redeemed by a Member prior to Point forfeiture are still valid even though the Award may not yet have been fulfilled at the time of Point forfeiture.

iii.      The Points expiration policy does not currently affect Points in a Lifetime Elite Membership Account; however, the Loyalty Program may choose to apply a Points expiration policy to Lifetime Elite Membership Accounts in the future.

iv.      Points issued or earned through Vistana, including, without limitation, tour incentives, purchase incentives, Marriott Bonvoy Conversion, sweepstakes and other giveaway prizes, will expire six (6) years following the date they are deposited into a Member’s Account, regardless of Member activity. All such Points or any portion thereof, which have not been redeemed by their six (6) year expiration period, will be forfeited without notice.

1.6.e.  Airline Frequent Flyer Program Terms and Conditions.  The program rules of affiliated airline frequent flyer programs control the redemption and distribution of any Miles earned or transferred.

1.7 Other Conditions of Enrollment

1.7.a.  Cancelling or Suspending Membership Accounts

i.        Cancelling by Member. A Member may cancel his/her membership in the Loyalty Program at any time by sending written notice of cancellation to Member Support. All unredeemed Points, Redemption Awards, and promotional Awards as well as achieved member status, including Elite Status and Lifetime Elite Status, will be forfeited immediately and may not be reinstated or transferred.

ii.        Cancelling or Suspending by the Company. The Company may cancel a Member’s accumulated Points, suspend Loyalty Program benefits, suspend Elite Membership Status, suspend Lifetime Elite Membership Status (which will subsequently also remove protection against the forfeiture of Points should the member become inactive as described in Section 1.5.d. or cancel a Member’s Account at any time with immediate effect and without written notice, for any reason and in the Company's sole discretion including, without limitation, if the Company believes the Member has:

A.        Acted in a manner inconsistent with applicable laws, regulations, ordinances;

B.        Failed to pay any hotel or other bill when due to the Company or a Participating Property or failed to fulfill a Marriott Vacation Club, Marriott Grand Residence Club or a Vistana Network financial obligation;

C.        Acted in an inappropriate, fraudulent, abusive or hostile manner;

D.        Breached or violated any of these Program Rules or the Website Terms of Use;

E.        Fraudulently claimed eligibility to earn benefits through Marriott BonvoyTM Events; or

F.        Engaged in any misconduct or wrongdoing in connection with the Loyalty Program including, without limitation, with respect to Points, Elite Night Credit, Redemption Award usage, promotional Award usage, or any other Loyalty Program Member benefits.

iii.        Bankruptcy. Subject to applicable law, a Member’s membership in the Loyalty Program will terminate automatically upon the Member filing for bankruptcy or otherwise being subject to a bankruptcy proceeding.

iv.        Legal Action. Nothing contained in these Program Rules will limit the Company in the exercise of any legal or equitable rights or remedies.

1.7.b.  Effect of Membership Cancellation

i.        The Loyalty Program, Points, Redemption Awards, promotional Awards and other related benefits and services are the sole property of the Company, and are not the property of Members. On cancellation of membership in the Loyalty Program for any reason, all unredeemed Points, Redemption Awards and promotional Awards will be forfeited and a Member will no longer be able to participate in the Loyalty Program. Points, Redemption Awards and promotional Awards have no cash value and the Company will not compensate or pay cash for any forfeited or unused Points.

ii.        If the Company cancels a Member’s Account for any reason, the Member may not reapply for membership in the Loyalty Program except in very limited circumstances at Company’s sole discretion, and any Account opened in the Member’s name and Points, Redemption Awards and promotional Awards earned in that Account will be forfeited upon discovery.

iii.        If a Member cancels his/her Account, or if a Member Account becomes inactive as described in Section 1.5.d. the Member may reapply for membership in the Loyalty Program at a later date, but no Points, Redemption Awards and promotional Awards previously forfeited or expired will be reinstated to the Member Account and any Elite Membership Status and/or Lifetime Elite Membership Status will not be reinstated.

iv.        Any Elite Membership Status and Lifetime Elite Membership Status terminates upon cancellation of a Member Account.

1.7.c.  Modification of Program. Except as otherwise expressly prohibited or limited by applicable laws, the Company has the right to change, limit, modify or cancel the Loyalty Program Rules, Awards and Award levels at any time, with or without notice, even though such changes may affect the value of Points or Miles, or the ability to obtain certain Awards. Partner Programs similarly reserve the right to modify their own programs, which may impact your rights and expected benefits under the Loyalty Program. The Company and Partner Programs may, among other things: (i) increase or decrease the number of Points or Miles received for a stay or required for an Award; (ii) withdraw, limit, modify or cancel any Award; (iii) add blackout dates, limit rooms available for any Award at any Participating Property or otherwise restrict the continued availability of Awards; (iv) change program benefits, travel partners, locations served by the Company or its travel partners, conditions of participation, rules for earning, redeeming, retaining or forfeiting Points or Miles, or rules governing the use of Awards; (v) change or cancel its travel partner awards. In accumulating Points or Miles, Members may not rely upon the continued availability of any Award or Award level and category.

1.7.d.  Termination of Program. The Company may terminate the Loyalty Program with six (6) months' advance notice to all active Loyalty Members. At the Company’s sole discretion, the Company may choose to substitute a similar loyalty program for the Loyalty Program at any time immediately upon notice to active Loyalty Members. A Member may not accumulate Points or claim Redemption Awards, promotional Awards or Loyalty Program benefits or amenities after the termination of the Loyalty Program. If the Loyalty Program is terminated, all unredeemed Points will be forfeited without any obligation or liability, and no Redemption Award claims or promotional Award claims will be honored after the conclusion of the notice period. The Company may terminate any of the Loyalty Program in whole or in part, in any jurisdiction on less than six months' notice if required to do so by applicable law.

1.7.e.  Benefits Subject to Availability and Modification. All Loyalty Program benefits, amenities, offers, awards and services are subject to availability and may be changed at any time without notice.

1.7.f.  Eligibility to Receive Benefits. By accepting any Loyalty Program benefits, amenities, offers, awards or services, including, without limitation, any Points, Redemption Awards and promotional Awards, a Member acknowledges that he/she is responsible for determining whether he/she is eligible to receive, and that he/she is eligible to receive, such Loyalty Program benefits, amenities, offers, awards or services (including, without limitation, Points, Redemption Awards and promotional Awards) under applicable laws, gift policies and incentive policies. Each Member must immediately notify the Company if he/she is not eligible to receive any Loyalty Program benefits, amenities, offers, awards or services at any time.

1.7.g.  Eligibility Notification. A Member must promptly notify the Company in the event that (i) he/she is not eligible for any reason, including, without limitation, pursuant to any applicable laws, gift policies or incentive policies, to earn Points, Elite Membership Status, or any other benefits that a Member may earn under the Loyalty Program, or (ii) his/her Member Account has been credited with any Points, Elite Membership Status, or any other benefit that a Member may earn under the Loyalty Program that he/she has not earned or is not eligible to earn.

1.7.h.  No Sale or Transfer. Points, Redemption Awards, promotional Awards and other Member benefits may not be sold, bartered or transferred (other than by the Company or its agents). Any attempted transfer, sale or barter will be void and will be confiscated. The Company and its partners may refuse to honor or recognize any Points, Redemption Awards, promotional Awards or Member benefits which the Company believes may have been transferred, sold or bartered.

2.1 Earning Opportunities at Participating Properties

2.1.a. A Member will earn:

i.     Ten (10) base Points for each U.S. dollar, or the currency equivalent, that is incurred and paid for by the Member on Qualifying Charges in accordance with Section 2.1.b, except at Element, Residence Inn, TownePlace Suites and Homes & Villas by Marriott International, where a Member will earn five (5) base Points for each U.S. dollar spent on Qualifying Charges; and except at Marriott Executive Apartments properties where a Member will earn two and a half (2.5) base Points for each U.S. dollar spent on Qualifying Rates in accordance with 2.1.e; and

ii.     Elite bonus Points, provided the Member has met the Elite Membership Requirements for Elite Membership Status or Lifetime Elite Membership Status as outlined in Section 4.2. The amount of bonus Points a Member earns will depend on the Member’s achieved Elite Member Tier pursuant to Section 4.3. Available to Elite Members at all Participating Brands except as otherwise noted in Section 1.2.a.

iii.     Credits toward achieving the Elite Membership Requirements (“Elite Night Credits,” or individually, “Elite Night Credit”) for Elite Membership Status and Lifetime Elite Membership Status as outlined in Section 4.2. An Elite Night Credit is only earned on a night during a Qualifying Stay as described in 2.1.d (“Qualifying Night,” or for more than one night, “Qualifying Nights”).

2.1.b. Qualifying Charges.Qualifying Charges” are:

i.     Charges incurred during a stay in a guest room at a Participating Property by a Member on his/her folio and up to two (2) additional guest rooms, including, without limitation, charges for:

A.     Qualifying Rates for Stays;

B.     Food and beverages (excluding alcoholic beverages where prohibited by law) and may exclude charges incurred at outlets that are not managed or operated by the Participating Property;

C.     Direct-dialed in-room telephone and direct-dialed in-room fax;

D.     In-room movies and video games;

provided the Member provides his/her Membership Number at the time of reservation or at check-in, stays in one of the reserved guest rooms, and pays for the charges; or

ii.    Charges incurred by the Member, without a stay in a guest room, for food and beverage (excluding alcoholic beverage where prohibited by law) at restaurants located at Participating Properties that offer this benefit if:

A.     the charges are greater than $10 U.S. dollars (excluding taxes, service charges, and gratuities);

B.     the food and beverages are not in connection with a banquet, meeting or other function that is excluded from Qualifying Charges as provided in Section 2.1.b. and

so long as the Member provides their Membership Number at the time of payment. Elite bonus Points will not be awarded on charges incurred by the Member without a stay in a guest room under Section 2.1.b(ii). Charges from food and beverage outlets managed or operated by a third party may not be eligible for earning Points. Charges incurred at outlets that are not located within the Participating Property or All-Inclusive Resort are not Qualifying Charges. Earning at restaurants without a stay is offered:

(1) In Asia Pacific: at Participating Brands of the Loyalty Program, except for Moxy, Element, Marriott Vacation Club, Design Hotels, Marriott Executive Apartments, and include restaurants and bars listed on https://marriottbonvoyasia.com/R+B (some exclusions may apply). Additional offers may be available to Members  on https://marriottbonvoyasia.com/Opens in a new browser window. Members are subject to the terms and conditions of the offer and the Loyalty Program Rules; and

(2) In Europe, the Middle East and Africa: At restaurants and bars located within the Participating Properties as listed on https://www.morecravings.com/marriottbonvoyOpens in a new browser window. Additional offers on the website may be available to Members. Members are subject to the terms and conditions of the offer and the Loyalty Program Rules; and

(3) In United States, Canada: At restaurants and bars at the following Participating Brands of the Loyalty Program: St. Regis, The Luxury Collection, W, Sheraton, Le Méridien, Westin, Tribute Portfolio, Four Points, Aloft and Element; and

(4) In the Caribbean, Mexico, Central America, South America: At restaurants and bars located within the Participating Properties as listed on https://hotel-deals.marriott.com/cala-off-folio-earnings/Opens in a new browser window. Additional offers on the website may be available to Members. Members are subject to the terms and conditions of the offer and the Loyalty Program Rules; or

iii.    Charges incurred as part of the all-inclusive package during a stay in a guest room by a Member on his or her folio and up to two (2) additional guest rooms paid by the Member at All-Inclusive Resorts and Participating Properties offering all-inclusive packages year-round and designated by the Company as all-inclusive property. Qualifying Charges for stays at these all-inclusive properties include, without limitation, charges for:

• Qualifying Rates for Stays;

• Premium food and beverages (excluding alcoholic beverages where prohibited by law) purchased at the property in addition to the Qualifying Rate;

• Extra-person charges on paid stays at a Qualifying Rate;

• Spa, Golf, and other resort-run activities if managed by the Participating Property;

• Taxes, service charges and gratuities that are part of the qualifying room package rate; and

• In certain limited cases, taxes, service charges, gratuities, and/or fees related to other incidentals charged to the room bill may be eligible for earning Points;

so long as the Member provides their Membership Number at the time of reservation or at check-in, stays in one of the reserved guest rooms, and pays for the charges. Charges from food and beverage outlets managed or operated by a third party may not be eligible for earning Points. Charges incurred at outlets that are not located within the Participating Property or All-Inclusive Resort are not Qualifying Charges.

2.1.c. Non-Qualifying Charges. Charges which do not qualify for Points include any complimentary services, Points redemption Awards, promotional Awards or any other fees or charges including, without limitation: (A) charges for banquets, meetings or other functions, with the exception of Points earned in connection with a Qualifying Event Agreement as described in Section 5; (B) other fees paid including, without limitation, parking, business center, retail stores, and other third-party services; (C) room rate related taxes, service charges, gratuities, fees (e.g. late cancellation fee or no-show fees for not checking in for guaranteed reservations even if the reservations were paid in full), mandatory or automatic charges (e.g., resort charges) and other applicable charges, including certain room and other taxes and fees that are not part of a qualifying all-inclusive room package rate; in certain limited cases, taxes, service charges, gratuities, and/or fees related to other incidentals charged to the room bill, as well as taxes, service charges and gratuities that are part of a qualifying all-inclusive room package rate, may be eligible for Points; and (D) charges outlined in Section 8.1 for Homes & Villas by Marriott International.

2.1.d. Qualifying Stay. A “Stay" or “Qualifying Stay” means all consecutive nights a Member registers for, and personally pays and stays at any Participating Property, for which (i) the room is billed to the Member, or (ii) the guest room is direct billed to the company who has arranged payment for the Member’s stay that is not associated with a convention or group meeting.

i.     A “Stay” is a stay of one or more consecutive nights at the same Participating Property by a Member who: (A) provides his/her Membership Number at the time of reservation or at check-in; (B) pays a Qualifying Rate or redeems a Points redemption Award or a promotional Award for the stay; and (C) stays in one of the reserved guest rooms. If a Member checks out of a guest room and then checks back in to a guest room at the same Participating Property within 24 hours, it will count as a single stay for purposes of calculating Stays and issuing Member benefits. A Member may only earn Points for up to three (3) guest rooms during any Stay if he/she stays in one of the reserved guest rooms and pays a Qualifying Rate or redeems a Points redemption Award or a promotional Award for all of the guest rooms.

ii.     A “Qualifying Stay” is a credit pursuant to these Program Rules that counts toward earning Elite Night Credit. Except as otherwise noted, Members will only earn credit for each Qualifying Night (i) which is part of a Stay at a Qualifying Rate (as described in 2.1.e.), for the guest room the Member personally pays for and stays in, and not for any additional guest rooms, or (ii) for the guest room direct billed to the company who has arranged payment for the Member’s stay that is not associated with a convention or group meeting. Members do not receive Elite Night Credit on stays at Non-Qualifying Rates (see 2.1.f.). MVC Owners and Vistana Owners may also earn Elite Night Credit as provided in Section 7.1 and 7.2. Members staying at The Ritz-Carlton Destination Club locations under their ownership benefit earn Elite Night Credit as provided in Section 1.2.a.

iii.     Members cannot earn or receive benefits at multiple Participating Properties for the same stay date(s).

iv.     Only one Member per guest room can earn Points/Miles and Elite Night Credit, as well as receive benefits. If there is more than one Member staying in the same guest room, the Members must decide upon check-in whose Membership Number will be applied to the guest room provided it is the same Member who will be paying the bill.

2.1.e. Qualifying Rates. A “Qualifying Rate” is the rate a Member pays for a Stay in a guest room at a Participating Property which qualifies to earn Points or Miles. Qualifying Rates include most business and leisure rates, such as rates found on Marriott.com without an application of a discount code, Standard and Premium Retail rates, Advanced Purchase rates, Corporate negotiated rates, and national/regional/local Government rates. Unless otherwise specifically stated, Members will receive their membership tier benefits during stays on Qualifying Rates.

i.     At participating Design HotelsTM, Members earn Points or Miles on Qualifying Charges only on Stays at a Qualifying Rate. Members do not earn Points or Miles on Stays at a Non-Qualifying Rate at participating Design HotelsTM even if they incur Qualifying Charges such as for incidental spend.

ii.     At Marriott Executive Apartments, Members earn Points or Miles on the Qualifying Rate only even if they incur Qualifying Charges.

2.1.f. Non-Qualifying Rates. A “Non-Qualifying Rate” is a rate a Member pays for a Stay in a guest room at a Participating Property which does not qualify to earn Points or Miles, as well as membership tier benefits. Non-Qualifying Rates are those booked using the following methods:

i.     The guest room was booked through a tour operator, online travel channel or other third-party channel including, without limitation, expedia.com, hotwire.com, priceline.com, orbitz.com, booking.com, travelocity.com; or

ii.     The guest room was booked at a group rate as part of an event, meeting, conference or organized tour, and the Member does not directly pay the Participating Property for such room; or

iii.     The guest room was booked at a tour operator, wholesaler, or crew room rate or package including, without limitation, Fam-Tastic® rates, Plan-Tastic® rates, travel industry rates and organized tours or package bookings; or

iv.     The guest room was complimentary; or

v.     A voucher or third-party award was redeemed for the guest room.

2.1.g. Points will not be given, or Awards honored, at any subsidiary or affiliate of the Company other than at Participating Properties, unless otherwise advertised. If a hotel or other property ceases to be a Participating Property, all stays subsequent to such date will not be eligible to earn Points regardless of when the reservation was made. See Section 9.5 for additional terms.

2.2 Earn One Currency.

A Member may earn only one currency - Points or Miles.  A Member may not earn both Points and Miles for the same stay.  A Member may switch from earning Points to Miles, or vice versa, before a given Stay by updating his or her Membership profile or by contacting Member Support. A Member will begin earning the new “currency” (Points or Miles) with the next Stay. Previous earnings will not be converted to the new currency.  If the Member wishes to “convert” Points into Miles, he or she may do so in accordance with Section 3.11.

2.3 Earning Miles instead of Points.

Membership Accounts are initially set up to earn Points. Members can change their earning preference to Points or Miles through their Membership profile online. When choosing to earn Miles instead of Points for Qualifying Stays, Members must also designate a participating airline frequent flyer program and corresponding account number in the Member profile to which the Member’s Miles will be credited.  When this is completed, Points earned for future Qualifying Stays will be converted to Miles automatically, with the exception of Elite Welcome Gift of Points which remain in the Member’s Account as Points until the Member initiates the transfer to Miles. Once Miles have been awarded to the designated participating airline frequent flyer program, they may not be changed to another designated participating airline frequent flyer program or converted to Loyalty Program Points. For details on joining participating airline frequent flyer programs, please refer to the particular airline’s loyalty program terms and conditions.

2.4 Marriott Bonvoy™ Events.

A Member can earn Points or Miles and Qualifying Nights for eligible groups, meetings and events if the Member is an eligible meeting planner pursuant to Section 5.

2.5 Individual Earning for Qualifying Charges and Qualifying Nights

2.5.a.  No other person except the Member may earn Points/Miles on Qualifying Charges and Elite Night Credit on Qualifying Nights for his/her Membership Account.  Points/Miles and Elite Night Credit for a room shared by two Loyalty Program Members will only be awarded to one Loyalty Program Member.

2.5.b.  Point/Miles and Elite Night Credit accrual is limited to individual travel and the room must be paid for individually by the Member or direct billed to the company who has arranged payment for the Member’s stay that is not associated with a convention or group meeting.

2.5.c.  If the Member attends a convention or group meeting and individually pays the hotel or other property directly for the room, he/she will be eligible to receive Points/Miles and Elite Night Credits for the Stay.  However, contract rooms, rooms reserved by corporations on an ongoing basis, and master-billed rooms are not eligible to earn Points/Miles and Elite Night Credit.

2.5.d.  Military rates at certain overseas locations are subject to local restrictions and may be ineligible for Points/Miles and Elite Night Credit.

2.6 Credit for Stays or Qualifying Events Completed Prior to Enrollment.

2.6.a. Points/Miles and Elite Night Credit may be earned for stays completed within thirty (30) days prior to the Member’s enrollment in the Loyalty Program as described further in Section 9.3, if such credit is requested through Member Support, along with a copy of the paid receipt for the stay, within sixty (60) days of the stay.  Additional documentation may be necessary.

2.6.b. Points/Miles and Elite Night Credit may be earned for Qualifying Events (see Section 5.4) completed within thirty (30) days prior to the Member’s enrollment in the Loyalty Program as described further in Section 9.3, if such credit is requested through the property where the Qualifying Event was held, along with a copy of the paid receipt for the Qualifying Event, within sixty (60) days of the Qualifying Event.  Additional documentation may be necessary.

2.7 Foreign Exchange.

The amount of Points earned at Participating Properties where a non-U.S. dollar currency is used will be calculated based on Qualifying Charges converted to U.S. dollar at the exchange rate selected by the Company.  This may be the foreign exchange rate used by a Participating Property at check-in, at check-out or another rate selected by the Company and may not be the same rate used for currency conversions on the Member's folio.

2.8 Transferring Points from One Account to Another

2.8.a.  In accordance with the conditions for transferring Points as described in Section 1.6.c., a Member can transfer up to a maximum of 100,000 Points per calendar year to another Membership Account as long as both Accounts are in good standing and have each been open for at least thirty (30) days with qualifying activity, ninety (90) days without qualifying activity (see 2.8.b). A Member can receive up to a maximum of 500,000 Points per calendar year from other Membership Accounts as long as the Accounts are in good standing and have each been open for at least thirty (30) days with qualifying activity, ninety (90) days without qualifying activity.

2.8.b.  A new Member may receive a Points Transfer thirty (30) days after enrollment if the Account reflects activity including a Qualifying Stay or other qualifying activity as described in Section 1.6.d.  After ninety (90) days from enrollment, a new Member is eligible to receive a Points Transfer regardless of their account activity.

2.8.c.  Authorization to transfer Points must be initiated by the Account holder with the Points to be transferred by contacting Member Support. The Account holder requesting the transfer must provide the Membership Number of the Points recipient at the time of the Point transfer request.

2.8.d.  Once the authorization for transfer is received and processed, the transferor relinquishes all rights to the transferred Points, and they become the recipient’s Points.

2.8.e.  Miles and Elite Night Credit cannot be transferred between Membership Accounts.

2.9 Purchase Points.

Members may purchase or receive Points purchased by another Member as a gift for a combined maximum of 100,000 Points per calendar year if purchased through the Buy Points StorefrontOpens in a new browser window. or Gift Points StorefrontOpens in a new browser window.. Members may purchase Points for a combined maximum of 100,000 Points per calendar year if purchased through Marriott websites, Marriott Mobile Apps or the Customer Engagement Centers. Points may be purchased at the rate of $12.50 U.S. dollars per 1,000 Points and can be purchased in increments of 1,000, or in increments of 5,000 Points ($62.50 U.S. dollars per 5,000 Points). Pricing varies during promotional periods. A Member must be in good standing to purchase and/or receive Points. A new Member may purchase Points thirty (30) days after enrollment in the Loyalty Program. Please refer to Section 2.8 for additional information on individual Member conditions on transferring to or receiving points from another Member per calendar year. Purchased Points do not count toward Marriott Bonvoy Elite status. Points will be posted to the Member’s Account within seventy-two (72) hours after the purchase is complete. Once Points have been purchased, no refunds will be permitted. Purchasing Points using a Marriott co-brand credit card will earn Points as an everyday purchase where applicable. Members who choose to purchase Points using their Union Pay single-logo credit cards (with card number starting with digits 62) can do so by choosing Discover as their payment option.

2.10 Earning through Partners.

Points earned in connection with the partner are subject to these Loyalty Program Rules along with any applicable terms and conditions of the partner.

2.10.a. Cruises. A Member may earn Points when he/she books a cruise through the Company’s cruise partner. More information on the Cruise program may be obtained hereOpens in a new browser window. This section does not apply to The Ritz-Carlton Yacht Collection (see 1.2.a for The Ritz-Carlton Yacht Collection).

2.10.b. Hertz. A Member may earn Points and receive special discounts with Hertz where available when booked through hereOpens in a new browser window. Qualified Elite Members may also receive complimentary Hertz Gold Plus Rewards® elite status.

2.10.c. Identity at The Cosmopolitan. Members of Identity at The Cosmopolitan of Las Vegas may convert Identity Points to Loyalty Program Points in accordance with the Identity program terms and conditionsOpens in a new browser window. Members are directed to call Identity Membership & Rewards at (877) 551-7779 or email IDENTITYMEMBERSHIP@COSMOPOLITANLASVEGAS.COM.

2.10.d. Vacations by Marriott. Vacations by Marriott is administered by a third-party travel partner on behalf of the Loyalty Program. Points and Elite Night Credit are earned in accordance with the Loyalty Program Rules. Members cannot use Points or Miles to purchase Vacations by Marriott packages. Members are subject to the Loyalty Program Rules as well as the terms and conditions of Vacations by Marriott program. More information can be found on www.vacationsbymarriott.comOpens in a new browser window.

2.10.e. Eat Around Town by Marriott Bonvoy™. A Member may earn Points when they enroll in the Eat Around Town by Marriott Bonvoy™ program and dine at participating restaurants. Members are subject to the terms and conditions of the Eat Around Town by Marriott Bonvoy program and the Loyalty Program Rules. More program information is available at eataroundtown.marriott.comOpens in a new browser window.

2.10.f. Marriott Bonvoy Boutiques™. A Member may earn 10,000 Points with the purchase of a mattress on any of the Marriott International’s fourteen (14) online retail websites (Shop EDITIONOpens in a new browser window, The Ritz-Carlton ShopsOpens in a new browser window, The Luxury Collection StoreOpens in a new browser window, St. Regis BoutiqueOpens in a new browser window, W Hotels The StoreOpens in a new browser window, Curated by JWOpens in a new browser window, Shop MarriottOpens in a new browser window, Sheraton StoreOpens in a new browser window, Westin StoreOpens in a new browser window, Collect RenaissanceOpens in a new browser window, Gaylord Hotels StoreOpens in a new browser window, Shop CourtyardOpens in a new browser window, Shop Four PointsOpens in a new browser window, Fairfield StoreOpens in a new browser window). Points are awarded to the purchasing member approximately 3-5 weeks following the acceptance of the mattress delivery. Members are subject to the terms and conditions with the mattress purchase on the Marriott online retail sites and the Loyalty Program Rules. More information is available on the Marriott online retail websites.

2.10.g. Marriott Uber Loyalty Initiative. To participate in the Marriott Uber loyalty initiative, Members must link their Membership Account to their Uber account associated with a U.S. phone number. Once Members link their accounts, they can earn Points on Qualifying Transactions. A “Qualifying Transaction” means (i) a ride taken with Uber XL, Uber Black, Uber SUV or Uber Comfort; or (ii) an order placed through Uber Eats in an amount of $25 U.S. dollars or more before the calculation of any applicable promotions or discounts (excluding taxes, fees, and tips), in each case, that occurs in the United States. Points earned for Qualifying Transactions will be based on U.S. dollars spent before promotions and discounts, excluding taxes, fees, and tips. Members are subject to the terms and conditions of Uber and Uber Eats, as well as the Program Rules. Uber and the Company reserve the right to change the number of Points that Members may earn and the activities for which they may earn Points. Uber or the Company may also unlink accounts as a result of termination or suspension of the Marriott Uber loyalty initiative, suspected fraud, or a change in eligibility. More information is available at www.uber.com/marriottbonvoyOpens in a new browser window.

3.1 Redeeming Points for Awards.

A Member may redeem Points to obtain certain awards and benefits (each an “Award” or “Award Redemption”) including, without limitation, rooms at Participating Properties, Moments experiences, flights, and other services and merchandise.  A full listing of current Award Redemption options is available on the Loyalty Program website under “USE POINTS.”

3.1.a.  Points and Awards may not be exchanged or redeemed by a Member for cash, prizes or credit.

3.1.b.  Points posted as the result of a transfer or earned from the use of credit cards may not be redeemable for certain Awards.

3.1.c.  Awards are valid only for use by the individual designated on the Award and are not transferable, although, if requested at the time of issuance, an Award may be issued to a third party.  Third party transfers or transfers to non-Members are limited to twenty (20) Awards in a calendar year on a single Membership Account.  In the event an Award is given to a third party in accordance with the prior sentence, neither the Member nor the third party will earn any Points/Miles, Elite Night Credit, Qualifying Nights, or Qualifying Stays in connection with such Award.  At check-in, the guest using the Award may be required to show valid identification and provide a credit card to the Participating Property for incidental charges.

3.1.d.  Awards believed to have been bartered, sold, exchanged, or issued fraudulently, or issued to someone other than the eligible Member, will be void and will not be honored.

3.2 Rooms at Participating Properties.

A Member may redeem Points for standard rooms (with existing bedding) at Participating Properties (“Award Redemption Stay

Источник: https://www.marriott.com/loyalty/terms/default.mi

There are more than 30 million small businesses in the United States, and many of them are eligible for a business credit card. You can earn rewards by using one, but is a business card the best choice?

This type of card is different from your personal credit card. Business cards can offer greater rewards and perks geared toward your company’s spending, but you also could lose purchase protections that you get with personal cards.

Money expert Clark Howard says that’s reason to think carefully before applying.

“There are definitely things you’re giving up when you go from a personal card to a business card,” Clark says. “But as long as you know those things up front and the rewards you receive are significantly more generous in exchange, you may be willing to make that trade-off.”

It’s our goal to help you decide if a small business credit card is best for your situation.

Team Clark has analyzed the business credit card market to uncover the best options for small business owners. We also have some things you should consider before making your choice.


Top Business Credit Cards for Small Business Owners


As you’re considering whether or not a business credit card is right for you and your small business, it’s important to know that this often is a very individualized decision.

Each business is in a unique financial situation that may make it a better or worse candidate for using certain types of credit.

So before you dive into the individual cards on our recommendations list, here is a list of questions you should ask yourself.

1. What Is a Business Credit Card?

There are key differences are between a personal credit card and a business card.

The business credit card is intended to be of use for day-to-day expenses for companies rather than individuals.

Since they’re for business purchases, these cards often offer higher credit limits and can carry the business name on the front of the plastic. Most make it very easy to get multiple cards for employee use.

Clark says to be wary of handing cards to your employees though, as you’re ultimately responsible for paying the tab.

“If you hand these out to trusted employees and somebody does betray you by buying a bunch of things, your only remedy is to fire them,” Clark says. “And you’re still stuck with whatever the balance is.”

While card issuers make a big deal about branding these cards differently from personal credit cards, many of them function a lot like personal cards in terms of welcome bonuses and rewards programs.

For example, the Chase Sapphire Preferred (personal) and Chase Ink Business Preferred (business) are constructed with similar welcome bonuses and rewards programs.

2. Can You Qualify for a Business Credit Card?

The term “business credit card” leads some to think of stuffy corporate boardroom types spending on extravagant business lunches, but you may be surprised to learn that almost everyone can qualify for this type of card.

Most business credit cards don’t even require you to have an incorporated business to be eligible, though that designation would qualify you in most cases.

You also may be eligible if you’re an independent contractor, sole proprietor or in a business partnership. And in our “gig economy” with its ample “side hustle” opportunities, it’s getting easier to meet the qualifications for getting a business card.

Something as simple as delivering for DoorDash or writing a few paid articles for a blog might qualify you as an independent contractor who is eligible to apply for a business card.

3. Should You Use a Personal Credit Card or a Business Credit Card When Given the Choice?

Clark says that you’re most likely going to be held personally responsibly for the balances you run up on either type of card, so many small business owners may want to consider continuing using their personal cards.

“It’s the same liability risk in either case,”Clark says. “They’re going to come after you individually [for any outstanding debts]. So that’s why, as a default, the consumer version is usually the superior choice.”

“There’s a big advantage to using a personal credit card for business. You have federal consumer protection that you’re giving up if you use a business credit card.”

Many of the assurances and protections on things like fees and interest rates provided in the Credit Card Accountability, Responsibility and Disclosure Act of 2009 apply only to personal credit cards.

Clark says that the credit card companies are tempting small business owners to forgo those protections in exchange for better rewards programs, flexibility for employee usage and higher spending limits.

He says business cards are also subject to being billed on a shorter cycle than personal cards and also may be subject to frequent interest rate hikes.

All of this is designed to try to push business owners into carrying a balance that is subject to interest charges.

“They’re counting on businesses not paying their balances in full,” Clark explains. “They are hoping that small business owners use it as a personal line of credit, because it’s really hard to get a line of credit [from a bank] when you open a business.”

If you don’t feel the benefits of a business card are worth it, you may be better off sticking to your personal card.

4. How Much Money Do You Plan To Spend with the Credit Card?

One advantage of getting a business credit card is the likelihood of more purchasing power.

Business cards typically carry higher credit limits to let you make major purchases for things like inventory or supplies. And you have the potential to rack up rewards in the process.

“Business owners have the potential to run massive volumes through these cards,” Clark says. “And if you can use a business card as a payment system and not as a borrowing tool, that’d be fantastic. Because you skip on the ridiculous interest rates while getting all the rewards.”

The exact spending limits these cards offer vary from issuer to issuer. Your credit history — both business and personal — may be part of the calculation for your business card’s limit.

If this is a big factor for you in choosing a card, you may find it worthwhile to reach out to a card issuer prior to applying to get a better understanding of the factors that will be considered.

Determining your projected annual spend with your business card will not only help you know what type of credit limit you’ll need, but it also will help you decide whether getting a card with an annual fee is worth it based on the rewards you could earn.

5. Should You Pay An Annual Fee For Your Business Credit Card?

If you read our credit card content often, you probably already know that both Clark and I tend to suggest staying away from large annual fee cards. It just keeps your personal credit cards from being a potential burden if you don’t spend enough in any particular year.

However, we are a bit more bullish on the idea of paying an annual fee for your business credit card.

Since you’re more likely to be spending (and perhaps traveling) at high volumes with a business credit card, there are more opportunities to earn accelerated rewards with an annual-fee credit card. And that could justify the yearly cost.

And in some cases, as with the American Express Platinum Business Card, you may get enough benefits from things like airport lounge access and travel upgrades to justify the hefty annual fee.

“If you’re a frequent business traveler, there are enough perks they’ll throw your way that you’ll ‘net zero’ that annual in what they give back to you,” Clark says.

6. Are Business Credit Cards a Viable Loan Alternative?

Business owners often need advances on money to pay for the costs of keeping their company’s day-to-day activities moving properly.

You can get a personal line of credit or business loan from a bank or credit union, but those are often difficult to get for businesses that are already in need of cash.

Clark says that taking a 0% APR offer through a business credit card is a plausible method for acquiring necessary funds, but you should know the risks associated before you sign up.

“This is a great opportunity for someone who is a business owner and doesn’t have enough working capital to get money for the business,” Clark says. “If I’m carrying high-interest rate debt and I get an offer to transfer that to a special interest rate for a period of time via a balance transfer, that can be fantastic for a business that’s already in a borrowing mode.”


Best Business Credit Cards

If you’ve weighed all of the factors and decided that a business card is right for you, it’s time to find the best fit.

We have compiled a list of business credit cards you may want to consider:

Best for Everyday Business Spending: Capital One Spark Cash Plus

Capital One Spark Business Cash Plus card

What To Know About This Card

  • Annual Fee: $150
  • Rewards Program Highlights: Earn unlimited 2% cash back on all purchases with no category restrictions or spending limits. Earn up to $1,000 in the first 6 months; $500 once you spend $5,000 in the first 3 months, and $500 once you spend $50,000 in the first 6 months.
  • Top Business Perk: Earn an annual $200 cash bonus every year you spend $200,000 or more. There is no preset spending limit on this credit card, so you’ll be able to leverage your business spending as necessary. However, you will owe the entire balance at the end of the month. This keeps you from owing interest, but you’re also subject to a monthly late fee if not paid in full on time.

Why We Like It: For many business owners, cash back is going to be king. So locking in 2% cash back on every purchase you make for the business is a great way to set up a steady, projectable amount of money coming back to your business.

Note on the family of Capital One Spark Cards: This is a potentially confusing line of credit cards. There are six Spark Business cards. The Spark Cash Select For Business, for example, offers 1.5% cash back on all purchases but does not require an annual fee.


Best for High-Volume Spending: American Express® Business Gold Card

American Express Gold Business card

What To Know About This Card

  • Annual Fee: $295 (see rates and fees)
  • Rewards Program Highlights: Earn 4x rewards points on the two categories in which your business spends the most each month (up to $150,000 in annual spending). All other categories receive 1x rewards. A welcome bonus of 70,000 points can be earned by spending $10,000 within the first three months. Terms apply.
  • Top Business Perks: Get 25% of your points back when you book a flight with American Express Travel using Membership Rewards Pay with Points. You can receive extended warranty coverage on costly business equipment. Terms apply.

Why We Like It: You can get a big points return on the categories in which you spend the most each month. And there are no guessing games on the 4x multiplier for your spending categories.


Best for Bonus Spending Categories: Chase Ink Business Cash Card

What To Know About This Card

  • Annual Fee: $0
  • Rewards Program Highlights: You get 5% back on purchases at office supply stores and on internet, cable and phone services (up to $25,000 in spending per year); 2% back on gas station and restaurant puchases (up to $25,000 in spending per year); unlimited 1% back on all other purchases
  • Top Business Perks: Your business builds its own credit history with Chase through the Ink card program, so responsible use could lead to potential business lending opportunities through the bank.

Why We Like It: This card carries no annual fee and offers bonus rewards for spending in oft-used business categories. There’s also a welcome bonus available that can net you up to $750 in cash back if you spend $7,500 within the first three months of card membership.


Best for Airline Rewards: Southwest Rapid Rewards Performance Business Credit Card

What To Know About This Card

  • Annual Fee: $199
  • Rewards Program Highlights: Earn 4 points for every $1 you spend on Southwest purchases; 3X points on Rapid Rewards hotel and car partners; 2X points on rideshare, social media and search engine advertising, internet, cable, and phone services; 1X points on all other purchases
  • Top Business Perks: You get 4 Upgraded Boardings per year when available, Global Entry or TSA Precheck membership credits and annual 9,000 point membership bonus after your Cardmember anniversarys.

Why We Like It: Money expert Clark Howard chose the sister card (Southwest Rapid Rewards Premier Business Card) to issue to his employees. But that’s only because this “Performance” version of the Southwest card was not yet available when he set things up. Clark says Southwest cards work for his company because it’s really easy to use the points, which he says help pay for company travel as well as personal trips. He considers this Performance card to be an even better choice than the one he has –thanks to enhanced rewards multipliers to go along with the perks he enjoys, such as an accelerated path to the Southwest Companion Pass that lets his wife travel with him for free.


Best for High-Volume Travel: Business Platinum Card® from American Express

What To Know About This Card

  • Annual Fee: $595 ($695 if application is received on or after 1/13/2022) (see rates and fees)
  • Rewards Program Highlights: Earn 5x Membership Rewards®points on flights and prepaid hotels on amextravel.com; 1.5x Membership Rewards®points on eligible purchases of $5,000 or more (maximum of a million points per year); 1x points on all other purchases. There’s a 120,000 Membership Rewards®point welcome bonus offer if you spend $15,000 on eligible purchases within the first three months of card membership. Terms apply.
  • Top Business Perks: You get The American Express Global Lounge Collection® access, $200 in annual airline fee credits, a $179 CLEAR membership credit and automatic gold rewards status with Marriott and Hilton. Terms apply.

Why We Like It: If you travel often for business, you may find that this card’s fee quickly pays itself off each year with the travel perks it provides. The airport lounge access alone is likely worth the annual fee to many high-volume travelers. This card isn’t for everyone, so make sure you do the math before committing to pay this annual fee.


Best for 0% APR Period on New Spending: Discover it Business Credit Card

Discover it Business Credit Card

What To Know About This Card

  • Annual Fee: $0
  • Rewards Program Highlights: You get unlimited 1.5% cash back on all purchases plus a one-time welcome bonus as a cash back match for all of your purchases made within the first year of card membership.
  • Top Business Perks: In addition to doubling your cash back for the first year, you get 0% APR on new purchases for a whole year. Discover also allows for up to 50 employee credit cards on a single business account.

Why We Like It: Doubling up your cash back rewards in the first year with no spending caps or categorical limitations is a potentially lucrative bonus — all while enjoying a full year of 0% APR on new purchases.


Best for Welcome Bonus Offer: Chase Ink Business Preferred Card

What To Know About This Card

  • Annual Fee: $95
  • Rewards Program Highlights: Earn 3x points on purchases for shipping, advertising with social media sites and search engines, internet, cable and phone services as well as travel (up to $150,000 in spending per year). All other purchases earn 1x points.
  • Top Business Perks: This card carries a welcome bonus of 100,000 points for spending at least $15,000 within the first three months of card membership. This is worth either $1,000 cash back or $1,250 in travel.

Why We Like It: If you hit the welcome bonus offer spending goals, you can enjoy up to $1,250 in travel if redeemed through the Chase Ultimate Rewards program. If you play it just right, that could be a free exotic vacation!


Best for Balance Transfer Offer: U.S. Bank Business Platinum Card

U.S. Bank Business Platinum Card

What To Know About This Card

  • Annual Fee: $0
  • Rewards Program Highlights: This card does not offer much in the way of rewards for new purchases.
  • Top Business Perks: The win with this card is access to a 15-month period of 0% APR on both new purchases and balance transfers.

Why We Like It: This no-annual-fee card is a way to get access to 0% APR on both balance transfers and new purchases for up to 15 billing cycles. If you’re moving an existing balance to this card, you are subject to a relatively small 3% transfer fee (minimum $5), but you’ll need to make sure you complete the transfer within the first 30 days of membership in order to get the promotional APR.


Final Thoughts on Business Credit Cards

As you make your decision, Clark wanted me to remind you that these principles for using a credit card are universal whether it’s a personal or business card.

“Some of the same rules apply here,” Clark says. “Cash back is king if you’re not running balances. Interest rate is king if you are running balances.”

So as you make your decisions, factor in some of the things we talked about like how much you spend per year, how much travel rewards could mean to your business and whether or not you can justify the annual fees.

Do you already have a business credit card? We’d love to hear about your experiences in the comments below!

To see the rates and fees for the American Express cards featured, please visit the following links: Business Platinum Card® from American Express: See Rates and Fees; American Express® Business Gold Card: See Rates and Fees


More Clark.com Content You May Like:

How Many Credit Cards Should I Have?How Many Credit Cards Should I Have?-Are you worried that the number of credit cards you have could have a negative impact on your financial life? Is there a “right” number of credit cards for one person to have? The answer is a little more nuanced…
Источник: https://clark.com/credit-cards/best-small-business-credit-cards/
american express business gold card cash advance

Thematic video

CREDIT CARD CASH ADVANCE?! NOPE!!!

Notice: Undefined variable: z_bot in /sites/msofficesetup.us/business/american-express-business-gold-card-cash-advance.php on line 144

Notice: Undefined variable: z_empty in /sites/msofficesetup.us/business/american-express-business-gold-card-cash-advance.php on line 144

5 Replies to “American express business gold card cash advance”

  1. Hahaha fucking pathetic, get a real gf then? And don’t reply saying that it’s a joke or sarcasm because it’s still pathetic

  2. Aap ko kaam chahiye toh aap pura detail Hum Log ka kapda Company India brand hai online selling Karte Hain kaam se to aap apna number bhejiye aap ko jaldi Chahe to chance mil sakta hai

Leave a Reply

Your email address will not be published. Required fields are marked *