Credit Cards Rewards and Deferred Interest Products Focus Groups

Welcome to
®

®

Membership
Your

opens up new paths

and possibilities when it comes to travel. Let inspiration
lead you as you enjoy the benefits and advantages that
make your experiences even more satisfying.
This brochure will help you get the most from your
by explaining all the benefits that are
now yours. And, if you have any questions, call us at
or visit

com/

Travel
Make the airport more enjoyable by spending
less time waiting and more time for yourself. As
the primary Cardmember, you’ll get two
Club one-time passes each year, priority boarding
privileges, and a free first standard checked bag
on

operated flights. Plus, you can travel the

world at a better price since purchases made with
your Card outside the U.S. will not be subject to
foreign transaction fees.

Rewards
Explore all the ways you can turn purchases into
more award miles when you use your
You’ll find that the more you spend,
the more you earn. Plus, you’ll earn 10,000 bonus
award miles after you spend $25,000 in net
purchases on your Card in a calendar year. And since
your Card is accepted at twice as many merchants

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worldwide as

®,* you’ll have twice

as many opportunities to earn valuable miles that
don’t expire as long as you are a
member. Put your miles to work by
using them to book
on any

Standard Awards

operated flight, for any available

seat, at any time — a benefit for Cardmembers and
®

® members.

Lifestyle
The

helps you get more

out of life. Your Card gives you insider access to
once-in-a-lifetime experiences and events open
only to Cardmembers. And a Concierge is ready to
connect you to the best in dining and entertainment.

Protection
Go further by going more confidently. Your Card
provides a comprehensive set of travel and purchase
protection benefits that have you covered as you
spend and travel near and far.

Service
Know that you have access to the resources and
support that ease your way. We are here for you
whenever you need us; a dedicated
Service specialist is ready to take your
call 24 hours a day, 7 days a week. Whether it’s a
simple question about your statement or putting
your Card benefits to work, we’re always ready to
help you travel smarter.

* Acceptance rates based on global, not domestic, data. Source:
The Nilson Report Issue 1014, March 2013.

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TRAVEL

Live the adventure.
More to explore.
It’s easier than ever to experience the excitement
of the journey with the benefits that come with your

Free Checked Bag 1
Save up to $100 per roundtrip. As the primary
Cardmember, you and one companion traveling
on the same reservation will each receive a free
first standard checked bag on
flights. Just add your

operated
® number to your

reservation and use your

to purchase

your ticket. For additional information please visit
com/
Priority Boarding 2
Move up in line with priority boarding with your
The primary Cardmember
and companions on the same reservation will be
invited to board

operated flights after

Premier members and prior to general boarding. To
receive priority boarding, just add your
number to your reservation and refer to your
boarding pass for your boarding group number.
No Foreign Transaction Fees
Purchases made with your Card outside the U.S. will
not be subject to foreign transaction fees.
Two

Club SM Passes

Relax at the

Club before your flight. The

primary Cardmember will receive two one-time use
passes each year to the

Club where visitors

can enjoy complimentary beverages and snacks, and a
host of other amenities — like workspaces, free Wi-Fi
and more. For a list of

Club locations, visit

com/
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TRAVEL

Stay in style.
Enjoy special treatment and valuable amenities
at more than 700 of the world’s finest hotels,
resorts and spas when you use your

Luxury Hotel and Resorts Collection3
Introducing

& Resort Collection

offering

members

Complimentary Guest Privileges including:
• Daily breakfast for two
• A room upgrade*
• Early check-in and late check-out *
• A special amenity unique to each property such
as lunch or dinner for two, a spa treatment,
green fees, welcome gift, or airport transfers
To receive your Guest Privileges with every
stay, make your reservation through our Travel
Specialists by calling

or visiting

* When available at select properties.

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REWARDS

Unmatched opportunities
to earn miles.
The more you use your Card, the more opportunities
you’ll have to earn miles. You’ll earn one mile for
each $1 you spend on your
Your Card is accepted at twice as many
merchants worldwide as
From your local dry cleaner to national retailers
and international hotel chains – you won’t miss
out on earning miles.

Mileage bonus when you spend
Each calendar year you are eligible to receive
one 10,000-mile bonus after you reach $25,000 in
net purchases on your card.
Double miles on

tickets

Earn two miles for each $1 spent on airline tickets
purchased from
Your miles don’t expire 4
Your miles are always ready to be turned into
rewarding experiences. Your miles don’t expire as
long as you are a Cardmember: you keep them until
you are ready to use them and there is no limit to
how many miles you can earn.
Premier upgrades on award tickets 5
The primary Cardmember who is also a
Premier member traveling on a
award ticket will be eligible for Complimentary
Premier Upgrades on eligible

and

operated flights (when available). Visit
com/awardupgrade for complete details.

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REWARDS

Any seat, any time, with your miles6
The primary Cardmember can use miles to book any
available seat, any time, on any

operated

flight when redeeming seats at the
Standard Award level. No limitations, no restrictions
and no blackout dates on available seats if you
provide your

number before starting

the booking process. For more information
on

Standard Awards, please visit
com/awards

Use miles for flights on
Because

®

member airlines

is a member of the

network, your miles can be used for flights on
and all other

member airlines.

With over 21,000 daily departures serving more
than 1,250 worldwide destinations, your award
travel opportunities are virtually endless.
Use miles for hotel stays and rental cars
Use your miles for a well-deserved getaway at
thousands of hotels worldwide. You can also use
your miles for car rentals in the U.S. and Canada. Visit
hotelandcarawards

com to explore the

exciting award options available to you.
Miles for merchandise
Enjoy guilt-free shopping when you use your miles
for electronics, home goods, accessories, jewelry and
other merchandise from your favorite brands. Visit
merchandiseawards

com to browse

award options.

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LIFESTYLE

Your passport to
new experiences.
We want to help you enjoy the incredible experiences
that make life richer and create memorable moments.
Whether you’re traveling or close to home,
Concierge Services can help you find
a great new restaurant, score tickets to a hot new
show, track down a rare Bordeaux vintage or provide
personalized assistance with anything else you need.
And for once-in-a lifetime experiences, Inside Access
from

offers the opportunity to purchase access

to exclusive events open exclusively to Cardmembers.
Concierge7
Whether you’re out of town or close to home,
Concierge will help you find the perfect restaurant
then make the reservation on your behalf.
Assistance with securing and purchasing tickets
to popular sporting events, theater performances,
concerts and more is at your fingertips. Simply call
for assistance.

Pursue more of your passions. As a Cardmember
you will be delighted with opportunities to attend
private, curated once-in-a-lifetime experiences.
Enjoy access to the best in concerts, exhibitions and
other cultural performances. Sample select wines
and satisfy your palate with culinary events at some
of the world’s best restaurants. Get a pulse on the
latest fashions, take in a game, meet a sporting
legend or make memories with your family. You’ll
revel in the chance to explore pleasures old and
new with experiential events offered exclusively
for Cardmembers.
Visit

7

to learn about upcoming events.

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PROTECTION

Peace of mind.
You can’t plan for everything, and unforeseen events
can occur while you’re traveling. But, as a
member, you can be confident that
you, your family and your belongings have an
extra layer of protection thanks to the following
comprehensive insurance coverages when you
use your Card.

Baggage delay8
If you experience a baggage delay, you can be
reimbursed up to $100 per day, with a maximum of
up to $300, when your bags are delayed more than
18 hours.
Lost luggage8
In the unfortunate event that your luggage is lost,
you can be reimbursed for up to $3,000 per trip
for your checked and carry-on luggage and their
contents.
Trip delay 8
If your trip is delayed more than 12 hours or requires
an overnight stay due to a covered hazard/event,
you can be reimbursed for emergency expenses
such as meals and lodging, up to $300 per ticket
purchased using your Card.

Call
if you need to file a claim.
See your Guide to Benefits for more details.

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PROTECTION

Trip cancellation 8
If an unanticipated covered event prevents you
from traveling, you can be reimbursed up to $1,500
for non-refundable common carrier passenger
fare costs.
Travel accident insurance 8
When you use your

to

purchase travel tickets on a common carrier (train,
plane, bus or ship), you are provided accidental death
and dismemberment insurance up to $500,000.
Auto rental collision damage waiver8
Your

provides you with

primary coverage for physical damage and theft
of most rented vehicles. Coverage is provided for
rentals of up to 15 days when traveling in your
country of residence, and up to 31 days when
traveling outside of your country of residence.
Travel and emergency services8
Emergency services are available when you need
them, 24 hours a day, 7 days a week, 365 days
a year.

Cal
if you need to file a claim.
See your Guide to Benefits for more details.
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PROTECTION

Shop safely.
When you use your

you

can feel confident that your purchases are protected.
Return protection 8
If the store will not accept your return, you can
be reimbursed up to $300 per item for eligible
purchases made using your Card.
Price protection 8
You purchased a flat-screen television on your
Card last week, and now it’s on sale for less at
your local electronics retailer. With price protection,
you can be reimbursed for the difference when
you use your Card – up to $500 per item and up
to $1,500 per year.
Purchase protection 8
You are protected up to $10,000 per occurrence and
up to $50,000 per year for eligible items purchased
with your Card in the event of theft or damage
within the first 90 days from the date of purchase.
Extended protection 8
Sometimes even the best electronics and appliances
can break, but your Card provides you with
extended protection on eligible items purchased
with the Card. For eligible manufacturer’s time
period of the warranty of three years or less, this
benefit doubles the warranty up to one additional
year and up to $50,000 per year.

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PROTECTION

The assurances of
better protection.
Free yourself from worry with the suite of
exceptional Fraud protection benefits that
come with your

Zero liability9
With the

you’re not liable

for purchases you did not make. If someone makes
an unauthorized purchase on your Card, even if it’s
online, you are not liable for the charge.
Charge disputes
If you were charged in error, we will freeze that
charge while we investigate your dispute.
24-hour fraud alerts
If any suspicious activity is identified on your Card,
you will immediately be contacted through SMS text
message or e-mail to confirm charges. Simply enroll
by calling
Emergency card replacement
If your Card is lost or stolen, it will be replaced
within 24 hours inside the U.S. and Canada, and
within one business day outside the U.S. and Canada.
Just call a

member

service specialist at
Emergency cash services
In the event of an emergency, you’ll be provided with up
to $1,000 emergency cash within 24 hours anytime
you are traveling inside the U.S. and Canada, and
within one business day outside the U.S. and Canada.

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SERVICE

Always there for you.
With the

®

you can rest

easy knowing that you have access to the resources
and support to ease your way. Whenever you need
us, we’re here to help.

Dedicated Cardmember service specialists
Dedicated, U.S.-based,
member service specialists are available to you 24
hours a day, 7 days a week, to help you with any
question you may have. From disputing a strange
charge to getting details on your
benefits, a specialist is ready to assist.
Simply call

or the International collect

line at

1.

Payment options
In addition to paying your monthly statement by
mail, your

offers the

following flexible and convenient payment options:
• Pay online at

com/

• Pay by phone by calling
online

SM

Now you can manage almost every aspect of your
from any computer. It’s a
secure and simple way to monitor your account. As
a

Cardmember, you can personalize your
Online experience. At

com/

you can:
• View account balances
• Select payment dates
• Set up automatic monthly bill payments
• Add authorized users to your account 10
• Sign up for Personalized Alerts
• Sign up for

Mobile ™

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FREE CHECKED BAG: The primary cardmember and one traveling companion
on the same reservation are each eligible to receive their first checked bag free;
authorized users are only eligible if they are on the same reservation as the
primary cardmember. To receive first checked bag free, the primary cardmember
®
must include their
number in their reservation and use their
to purchase their ticket(s). First checked bag free
is only available on
and
Express-operated flights; codeshare
partner-operated flights are not eligible. Service charges for additional/oversized/
overweight bags may apply. Members who are already exempt from other checked
baggage service charges will not receive an additional free checked bag.
is
not responsible for the provision of, or failure to provide, the stated benefits. See
com
for details.
2
PRIORITY BOARDING: The primary cardmember and companions traveling on
the same reservation are eligible for priority boarding; authorized users are only
eligible if they are on the same reservation as the primary cardmember. To receive
®
priority boarding, the primary cardmember must include their
number in their reservation. Priority boarding is only available on
and
Express-operated flights; codeshare partner-operated flights are not eligible.
members will receive priority boarding after
r®
members and passengers with
designations or requiring special
is not responsible for the provision of, or failure to provide, the
assistance.
stated benefits.
3
LUXURY HOTEL & RESORT COLLECTION:
& Resort Collection
(LHRC) program benefits and Guest Privileges are available exclusively on select
credit cards. Certain blackout dates and other restrictions may apply. This
program is brought to you by
through an agreement with Signature Travel
Network. See
for full program terms and conditions.
4
MILES DON’T EXPIRE: Your miles will not expire as long as there is activity on
your credit card account, including paying your annual membership fee, and the
credit card account is open and not in default. Upon cancellation of your credit
card account your miles will expire according to the
program rules.
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®
AWARD UPGRADE: The primary cardmember who has
r® status and is traveling on an award ticket is eligible for Complimentary
Premier Upgrades, subject to availability; authorized users and their traveling
companions are not eligible. Assignment of Complimentary
Upgrades on
award tickets within each
level will be prioritized after the lowest paid fare
class.
is not responsible for the provision of, or failure to provide, the stated
benefits. Please see www.
com/upgrade for more information on eligible
flights and upgrade processing details.
6
AWARD AVAILABILITY: The primary cardmember can use their miles to book
®
award travel on any
operated flight at the
Standard Award
level as long as tickets are still available for sale; authorized users are not eligible.
Saver Awards, awards on codeshare partner-operated flights and upgrade awards
are subject to limitations, restrictions and blackout dates. Be sure to provide your
number before you start the award booking process.
is not
responsible for the provision of, or failure to provide, the stated benefits. Please
visit www
com/awards for more information on
awards.
7
CONCIERGE SERVICE: Cardmembers are responsible for the cost of any goods or
services purchased through the Concierge.
8
BENEFITS: Certain restrictions, limitations, and exclusions apply. Please see your
Guide to Benefits for details.
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ZERO LIABILITY: U.S.-issued cards only. Zero Liability Protection does not apply
to ATM transactions or to PIN transactions not processed by
, as
applicable.
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