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How to Use an American Airlines Flight Credit

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Table of Contents

How to use a flight credit on American Airlines

How to use a trip credit on american airlines, 4 steps to book a flight with american airlines flight credit, 4 steps to book a flight with american airlines trip credit, final thoughts on american airlines flight credits and trip credits.

If you've previously canceled an American Airlines flight, you may be wondering how to use American Airlines flight credits or how to use American airlines trip credits. The good news is that redeeming flight credits and trip credits to book American Airlines flights is quick and easy.

Before learning more about each, including how to redeem these American Airlines credits, you’ll want to understand how flight credits and trip credits are earned and how these travel credits function.

Here's a look at how to use an American Airlines flight credit.

» Learn more: The best airline credit cards right now

American Airlines issues flight credit for unused or canceled tickets. This type of compensation is different from trip credits because flight credits can generally be used for the passenger whose name was on the original ticket only.

Here's what you need to know about flight credits:

You can use these credits for flights only.

Flight credits can't be redeemed for extras like seats or bags.

Flight credit is valid for one year from the issue date unless otherwise noted.

You can use one flight credit per passenger when booking at AA.com (contact American Airlines to book with more than one flight credit).

Only the same passenger named on the flight credit can book and travel.

American Airlines issues trip credit as compensation, refunds and for the remaining value of flight credit exchanges.

Here's what you need to know about trip credits:

Trip credit is valid for non-award bookings.

You can use trip credit for domestic or international flights originating in the U.S.

These credits can't be redeemed for extras like seats or bags.

Trip credit is valid for one year from the issue date.

You can use eight trip credits in a single passenger reservation when booking at AA.com (contact American Airlines to book more than one passenger).

The trip credit recipient can use their credit to book and pay for travel for themselves or others.

» Learn more: Complete guide to American Airlines elite status

​​Where can you see your flight credit or trip credit balance?

American Airlines will send an email with flight credit and trip credit information directly to travelers. You can go back to the email to review your credit details.

You can also review your credit details another way.

If you're an AAdvantage member, you can log in to your account and check any credits by clicking on your "Wallet." If you have active credits, they will be listed here.

How long are American Airlines flight credits and trip credits good for?

Most American Airlines travel credits are valid for one year from the issue date unless otherwise noted.

Special rules for eligible flight credits: If you're an AAdvantage member and have an original ticket issued from Jan. 1, 2020, to Dec. 31, 2021, the value of your unused ticket can be used by Sept. 30, 2022, for travel through Dec. 31, 2022.

What can I do if my flight credit or trip credit expired?

Make sure you check your flight credit and trip credit expiration dates. American Airlines won't make exceptions if your credit expires.

Here is a breakdown of what the airline's terms and conditions state about credit expirations:

American Airlines won't reissue trip credits past the expiration date and are not responsible for honoring invalid or expired trip credit.

American Airlines won't extend or reissue flight credits past the expiration date, and expired flight credits will not be honored.

» Learn more: Everything you need to know about the American Airlines AAdvantage program

Here is how to use American Airlines flight credit:

1. Have your flight credit details ready

You can find your flight credit ticket number in the email from American Airlines or by logging into your AAdvantage account and going to your wallet.

2. Browse and select flights

Search for and find your desired flights.

3. Click “+ Flight Credit” to apply your flight credit before checking out

After confirming your flight details, passenger details and selecting your seats, you'll see an option to add a flight credit before finalizing the payment and checkout process.

4. Finish the booking and checkout process

Once you apply your flight credit, you can complete the checkout process.

If you don't have enough credit to cover the cost of your flight, you'll choose a payment method to pay the difference.

If the ticket price is less than the value of your flight credit, you will receive the remaining credit balance issued as a credit to use for future travel.

The process of using an American Airlines trip credit is similar:

1. Have your trip credit details ready

You can locate your trip credit number in your email from American Airlines or in the wallet section of your AAdvantage member account.

2. Browse and select your flights

Search for and find the flights that you want to book.

3. Click “+ Trip Credit” to apply your trip credit before checking out

Once you confirm flight details, passenger details and select your seats, you'll be able to add a trip credit before finalizing the payment and checkout process.

Once you add your trip credit and see that it has been applied, you can continue through the checkout process.

If you don't have enough credit to cover the cost of your ticket, you'll choose a payment method to pay the difference.

If the ticket price is less than the value of your trip credit, you will receive the remaining value issued as a credit, which you can use for future trips.

American Airlines makes it easy to redeem travel credits when booking flights on their website. Now that you know how to use a flight credit and how to use a trip credit on American Airlines, you can put any remaining credits to use. Just make sure to keep on top of travel credit expiration dates so your credits don't go unused.

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This trick can make American flight credits a whole lot more valuable

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The coronavirus pandemic has reshaped U.S. airlines into more customer-friendly entities with generous change and cancellation policies . You can freely book speculative flights and not worry about losing your money if your plans change. This week American Airlines , Delta, United and Alaska announced that they’ve eliminated change fees forever . It’s a delight.

There are a few catches, however — the hardest to swallow is that these carriers won’t actually refund your money to your credit card when you make a cancellation (unless you bought a laughably expensive refundable ticket). American Airlines is the worst offender, as the flight credits they issue are quite restrictive. It’s still worlds better than their policies pre-COVID, but limiting enough to still make you think long and hard before booking a flight.

There’s actually a workaround to make your American Airlines flight credits more versatile. I’ll explain one big hindrance of American’s flight credit policy, and show you how to get around it.

American Airlines flight credit restrictions

When you cancel an American Airlines ticket, the airline will deposit flight credit into the accounts of each would-be traveler. It doesn’t matter who bought the tickets.

For example, if you purchased tickets for your family of five to visit Disney World and had to cancel it, the money you spent will be deposited into five different accounts. If you and your partner want to take a weekend vacation to Cancun without the kids, you can only use 2/5 of the money you spent.

RELATED: The Best American Airlines credit cards

I recently purchased two business class flights for my wife and myself for $458 each. When I canceled these tickets, American Airlines deposited $458 in credit into my account, and $458 in credit into my wife’s account. Again, the credits are not refunded to the actual purchaser of the ticket. If I wanted to use part of my $458 flight credit to book a flight for my wife, I can’t do it. My $458 credit can only be used by me, and her credit can only be used by her — even though I bought them both. That stinks.

The workaround

It’s not ideal, but there is a way to shatter the restrictions on these credits. It revolves around the difference between an American Airlines flight credit and an eVoucher .

Here are the details of a flight credit:

And here are the details of an eVoucher:

The secret : When you book a flight with your American Airlines flight credit , you can only book a flight for yourself. But if the new flight you book costs less than your flight credit, American Airlines will issue you an eVoucher for the remaining value. eVouchers can be used for anyone — not just the holder of the credit!

Here’s an example of how I will go about “liquidating” flight credits to get money back.

Step 1. Find the cheapest flight from anywhere to anywhere

One of my family members has a $300 flight credit in their name. She has no idea when she’ll be traveling again, so I want to use that credit for myself. I paid for it, after all.

I start by searching for the cheapest American Airlines flight I can find with Google Flights . I found a $36 one-way flight between Miami and Las Vegas.

Step 2. Book the flight

If my family member uses her $300 flight credit to book that flight, she’ll receive a $264 eVoucher, which can be used to book flights for anyone . I can either ask her to book this flight, or I can do it myself online if she gives me her credentials.

Within a day of booking travel with a flight credit, American Airlines will email an eVoucher to her for the value of the flight credit she didn’t use. In other words, she doesn’t need to actually fly that cheap flight to get the voucher. She’ll even get a $36 flight credit back if she cancels that flight.

Step 3. Obtain the eVoucher

An American Airlines travel voucher has a unique number and PIN which you can use at the bottom of the American Airlines checkout page. You don’t need to provide any credentials to use the eVoucher. I tried using it without being logged in and for a made-up traveler, and it worked. All I have to do is ask my family member to forward me the voucher email when she gets it, and bam! I’ve recouped $264 from being tied up in someone else’s account, no sweat.

Note: If you’ve booked American’s Basic Economy tickets, flight credits can only be redeemed over the phone. You’ll need the participation of each traveler to turn their credits into vouchers.

Bottom line

If you’ve booked and canceled American Airlines flights for others, your money has essentially been deposited into other people’s accounts. But there is a way to get some of your money back — by converting your flight credits into eVouchers.

American Airlines’ eVouchers couldn’t be easier to use. Just select the “alternate form of payment” at the American Airlines checkout page, enter your voucher number, and it will be applied once you proceed to the next screen.

Let us know if you’ve experienced liquidating flight credits, or if you’ve got any other related tips. And subscribe to our newsletter for more travel tricks like this delivered to your inbox once per day.

Featured image by Thiago B Trevisan/Shutterstock

Joseph Hostetler

Joseph Hostetler is a full-time writer for Million Mile Secrets, covering miles and points tips and tricks, as well as helpful travel-related news and deals. He has also authored and edited for The Points Guy.

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American Airlines Converted Flight Credits Into Trip Credits: What You Need To Know

by Gary Leff on September 12, 2021

American has been replacing paper vouchers with ‘trip credits’ which allow payment towards an adult passenger fare on American and American Airlines codeshares only. These can be used as partial payment towards a ticket (topped off with a credit card) or partially used towards full payment of a ticket, with residual amounts emailed to the passenger. Trip credits can also be used to book yourself an extra seat .

Eventually they will become combinable with other forms of payments (eVouchers, gift cards, flight discounts and towards award ticket taxes and fees), for multiple passengers in the same booking and for multiple passenger types.

American Airlines has now converted many old ‘flight credits’ into ‘trip credits’. Update: it’s been pointed out to me I should underscore that this process isn’t complete and won’t be for awhile.

These credits have been rolled out not quite ready for prime time. They don’t have full functionality. They can’t even be used for international tickets yet, which seems sort of insane. Eventually they should work as intended, however.

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About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

More articles by Gary Leff »

@ Gary — Yeah, I can confirm that mine have NOT been converted. I really hope this happens without me having to waste my time intervening.

Mine have not been converted either. DP- two people and cancelled and rebooked a couple times.

Still a total slog. Chat feature got miles reinstated after an hour with helpful rep. Had a trip credit in system with no value attached.

Mine have NOT been converted either. I sent an email to AA specifically asking about what , when and how this will be happening. Hoping to get a helpful response.

After 3 hour wait to talk to rep, was told yesterday (November 19, 2022) that only top tier elites were having flight credits converted to trip credits. And no way rep could convert my husband’s 3 flight credits totaling almost $1200 to trip credits. All expire March 31, 2022, and was told travel has to be completed by that date.

My flight credit was converted to trip credit and I am only Gold. My son’s was converted too and he has no status

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Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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The card offer referenced in this communication is only available to individuals who reside in the United States and its territories, excluding Puerto Rico and U.S. Virgin Islands.

Bonus miles

Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. American Airlines AAdvantage® bonus miles typically will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met the purchase requirements. Miles may be earned on purchases made by primary credit cardmembers and authorized users. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account.

First checked bag free

For benefit to apply, the Citi® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled.

Eligible Citi® / AAdvantage® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on itineraries marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi® / AAdvantage® credit card, up to four (4) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Double miles on American Airlines purchases

Eligible American Airlines purchases are items billed by American Airlines as merchant of record booked through American Airlines channels (aa.com, American Airlines reservations, American Airlines Admirals Club®, American Airlines Vacations℠, Google Flights, and American Airlines airport and city ticket counters). Products or services that do not qualify are car rentals and hotel reservations, purchase of elite status boost or renewal, and AA Cargo℠ products and services. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8-10 weeks.

Double miles at restaurants and gas stations

Earn 2 AAdvantage miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations. Food and beverage purchases made at the American Airlines Admirals Club® will be awarded 2 AAdvantage miles for each $1 spent as part of the Double Miles on American Airlines purchases benefit.

Certain non-qualifying purchases: Restaurant purchases not eligible to receive double miles include, but are not limited to, supercenters, warehouse clubs, discount stores, restaurants / cafes inside department stores, bowling alleys, public and private golf courses, country clubs, convenience stores, movie theaters, caterers and meal kit delivery services. Gas station purchases not eligible to receive double miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores and convenience stores.

Merchant classification for rewards categories: Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an MCC for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional miles. [For example, you won’t earn additional miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note – purchases made through mobile/wireless technology may not earn additional miles depending on how the technology is set up to process the purchase.

Citi® reserves the right to determine which purchases qualify for this offer. Miles may be earned on purchases made by primary credit cardmembers and authorized users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) do not earn miles. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8-10 weeks.

1 mile per $1

AAdvantage® miles are earned on purchases, except balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions). Miles may be earned on purchases made by primary credit cardmembers and authorized users. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8-10 weeks.

Preferred boarding

For benefit to apply, the Citi® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four (4) companions traveling with and listed in the same reservation as the Citi® / AAdvantage® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice.

Eligible credit cardmembers will board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

$125 American Airlines Flight Discount

Earn a $125 American Airlines Flight Discount certificate (the “Flight Discount”) after you spend $20,000 or more in purchases that post to your Citi® / AAdvantage® Platinum Select® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs), the anniversary month will coincide with the month in which the annual fee is billed. To receive the Flight Discount, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. The Flight Discount expires one year from date of issue of the certificate. The Flight Discount is redeemable toward the initial ticket purchase of air travel wholly on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. for itineraries originating in the U.S., Puerto Rico, or U.S. Virgin Islands, and sold in US Dollars. The Flight Discount is also redeemable for air travel on any oneworld® carrier or American Airlines codeshare flight. The Flight Discount is redeemable online at aa.com, or by calling American Airlines Reservations. A reservations services fee may apply for travel booked through American Airlines Reservations. The Flight Discount is redeemable only toward the purchase of the base airfare and directly associated taxes, fees and charges that are collected as part of the fare calculation for travel. The Flight Discount cannot be used to pay the taxes and charges on mileage redemption tickets where only taxes and fees are being collected. The Flight Discount may not be used for flight products and/or services that are sold separately or non-flight products and/or services sold by American Airlines. If the ticket price is greater than the value of the Flight Discount, the difference must be paid only with a credit, debit or charge card, or with American Airlines Gift Cards. Any unused balance can be applied towards eligible future travel until the stated expiration date. If travel booked with the Flight Discount is cancelled or changed by the credit cardmember, the Flight Discount will be forfeited and the credit cardmember will be responsible for any applicable fare difference and the applicable change fee. The Flight Discount will not be replaced for any reason. The Flight Discount is non-refundable, may not be sold and has no cash redemption value. After qualification, please allow 8-12 weeks for delivery of the Flight Discount.

25% savings on eligible inflight purchases

Citi® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi® / AAdvantage® card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

Authorized user

Before adding an authorized user to your credit card account you should know:

You’re responsible for all charges made or allowed to the credit card account by the authorized user. Miles earned on an authorized user’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not the authorized user. Authorized users have access to your credit card account information. Before adding an authorized user, you must let him/her know that we may report credit card account performance to the credit reporting agencies in the authorized user’s name. If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law. Authorized users do not receive the first checked bag free or boarding benefits.

Fraud Disclosure

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage® miles for purchases made with your card, suspending or closing your Citi® / AAdvantage® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage® miles or (4) using your account other than for personal, family or household purposes.

Card Account Disclosure

The Card Account is only available if you have an open AAdvantage® program membership in your name. Citi reserves the right to cancel your Card Account if you or American Airlines terminates or deactivates your AAdvantage® program membership.

American Airlines reserves the right to change the AAdvantage® program and its terms and conditions at any time without notice, and to end the AAdvantage® program with six months’ notice. Any such changes may affect your ability to use the awards or mileage credits that you have accumulated. Unless specified, AAdvantage® miles earned through this promotion/offer do not count toward elite-status qualification or AAdvantage Million Miler℠ status. American Airlines is not responsible for products or services offered by other participating companies. For complete details about the AAdvantage® program, visit aa.com/aadvantage » .

Travel booked on American Airlines may be American Eagle® service, operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

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American Airlines AAdvantage MileUp® Mastercard®

Statement credit and American Airlines AAdvantage® bonus miles are not available if you have received a statement credit or American Airlines AAdvantage® bonus miles for a new AAdvantage MileUp® account in the past 48 months.

Double miles on grocery store purchases

Earn 2 AAdvantage miles for each $1 spent on purchases at grocery stores. Grocery stores are classified as supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, specialty vendors, and bakeries.

Certain non-qualifying purchases: You won’t earn double miles for purchases at general merchandise/discount superstores, wholesale/warehouse clubs, candy/confectionery stores, cafes, bars, lounges, and fast food restaurants.

Merchant classification for rewards categories: Merchants are assigned a merchant category code (“MCC”), which is determined in accordance with Visa/Mastercard/American Express procedures based on the kinds of products and services the merchants primarily sell. Citi does not control the assignment of these codes and are not responsible for the codes used by merchants. When you use your card to make a purchase, Citi is provided an MCC for that purchase. Citi groups similar merchant codes into categories for purposes of making rewards offers. Sometimes you may expect a purchase to fit within a rewards category, but if the code assigned to the merchant wasn’t grouped into that category as recognized by Citi, your purchase will not qualify for additional miles. [For example, you won’t earn additional miles for purchases at a restaurant located within a retailer if the restaurant is assigned a “retailer” code instead of a “restaurant” code.] Please also note – purchases made through mobile/wireless technology may not earn additional miles depending on how the technology is set up to process the purchase.

AAdvantage MileUp® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their AAdvantage MileUp® credit card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

No mileage cap

There is no maximum number of American Airlines AAdvantage® miles that you can accumulate through your Citi® / AAdvantage® credit card account.

You’re responsible for all charges made or allowed to the credit card account by the authorized user. Miles earned on an authorized user’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not the authorized user. Authorized users have access to your credit card account information. Before adding an authorized user, you must let him/her know that we may report credit card account performance to the credit reporting agencies in the authorized user’s name. If we ask for information about the authorized user, you must obtain their permission to share their information with us and for us to share it as allowed by applicable law.

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a Citi® / AAdvantage® Executive account in the past 48 months.

Eligible Citi® / AAdvantage® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on domestic itineraries marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the Citi® / AAdvantage® card, up to eight (8) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Waiver does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Enhanced airport experience

For benefits to apply, the Citi® / AAdvantage® Executive World Elite Mastercard® account must be open 7 days prior to air travel AND reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled. Citi® / AAdvantage® Executive credit cardmembers will have the following benefits: priority check-in (where available), priority airport screening (where available), and priority boarding privileges. The priority boarding benefit will display on your American Airlines boarding pass as Group 4.

These benefits apply when traveling on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. Up to eight (8) companions traveling with the eligible primary credit cardmember will also get priority check-in (where available), priority airport screening (where available), and priority boarding privileges if they are listed in the same reservation. You may check in at any Business Class check-in position or First Class check-in when Business Class is not available, regardless of the class of service in which you are traveling on American Airlines.

These benefits will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Exclusive lanes at security checkpoints are available, subject to TSA approval. Applicable terms and conditions are subject to change without notice.

Citi® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their Citi® / AAdvantage® credit card. Savings do not apply to any other inflight purchases, such as wireless internet access. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

Admirals Club® membership and credit card authorized user access

Only Citi® / AAdvantage® Executive World Elite Mastercard® primary credit cardmembers who are eighteen (18) years of age or older will receive full membership access privileges to Admirals Club® lounges. An authorized user of the Citi® / AAdvantage® Executive World Elite Mastercard® who is eighteen (18) years of age or older will receive access privileges to American Airlines Admirals Club® lounges. Full Admirals Club® membership privileges do not apply to a credit card authorized user. An Admirals Club® membership includes access to other airline lounges and clubs with which American Airlines may have reciprocal lounge or club access privileges. Membership also includes special pricing on conference rooms and other special offers that are available exclusively to Admirals Club® members. Neither membership nor the credit card authorized user access benefit provides access privileges to the Arrivals Lounge, International First Class Lounges, or Flagship® Lounge facilities, including Flagship® First Dining. Additionally, the credit card authorized user access benefit does not provide: (i) access privileges to other airline lounges or clubs with which American Airlines may have reciprocal lounge or club access privileges; or (ii) special pricing on conference rooms or other special offers. To locate a current list of Admirals Club® lounges please visit aa.com/admiralsclub » .

To access an Admirals Club® lounge, primary credit cardmembers and credit card authorized users must present: (i) their (a) active and valid Citi® / AAdvantage® Executive World Elite Mastercard® or (b) with respect to primary credit cardmembers only, AAdvantage® number; (ii) their current government-issued I.D.; and (iii) a boarding pass for same-day travel on an eligible flight, which includes any departing or arriving flight that is (1) marketed or operated by American Airlines, (2) marketed and operated by any oneworld® carrier, or (3) marketed and operated by Alaska Airlines; and (iv) any additional documentation required by American Airlines. Either immediate family members (spouse or domestic partner and children under eighteen (18) years of age) or up to two (2) guests traveling with the primary credit cardmember or authorized user may be admitted for free when accompanied by the primary credit cardmember or authorized user. Family members and guests must present a same-day boarding pass for an eligible flight as defined above. All persons must be of valid drinking age, based on applicable law, to consume alcohol.

If the primary credit cardmember is an Admirals Club® member on the date his or her Citi® / AAdvantage® Executive World Elite Mastercard® credit card account is approved by Citi® and has sixty (60) or more days remaining on such current Admirals Club® membership, he or she is eligible to receive a prorated refund from American Airlines for any unused portion of his or her current Admirals Club® membership fee. The refund will be a prorated amount of the annual membership fee calculated based on the number of days remaining on such primary credit cardmember’s current Admirals Club® membership as of the date his or her Citi® / AAdvantage® Executive World Elite Mastercard® credit card account is approved by Citi®. Refunds will be automatically made in the original form of payment within twelve (12) weeks of becoming a Citi® / AAdvantage® Executive World Elite Mastercard® credit cardmember. Memberships redeemed with Business Extra points, Lifetime Admirals Club® members and AirPass members with Admirals Club® privileges are not eligible for a refund.

Upon closure of the Citi® / AAdvantage® Executive World Elite Mastercard® account, all Admirals Club® benefits and access associated with the account will be immediately terminated, including, but not limited to, all benefits afforded to credit card authorized users. All Admirals Club® membership rules, terms and conditions apply. AMERICAN AIRLINES RESERVES THE RIGHT TO MODIFY ANY OR ALL RULES, TERMS AND CONDITIONS AT ANY TIME WITHOUT NOTICE. SUCH MODIFICATIONS SHALL BE EFFECTIVE IMMEDIATELY AND INCORPORATED INTO THIS AGREEMENT. BY ACCESSING ANY ADMIRALS CLUB® LOUNGE YOU SHALL BE DEEMED TO HAVE ACCEPTED THE ADMIRALS CLUB® TERMS AND CONDITIONS. To review the complete Admirals Club® membership terms and conditions, visit aa.com/admiralsclub » .

Global Entry or TSA PreCheck® application fee credit

Citi® / AAdvantage® Executive World Elite Mastercard® credit cardmembers are eligible to receive one statement credit up to $100 per account every five years for either the Global Entry or the TSA PreCheck® program application fee. Credit cardmembers must charge the application fee to their Citi®/ AAdvantage® Executive credit card to qualify for the statement credit. Credit cardmembers will receive a statement credit for the first program (either Global Entry or TSA PreCheck®) to which they apply and pay for with their eligible card, regardless of whether they are approved for Global Entry or TSA PreCheck®. Please allow 1-2 billing cycles after the qualifying Global Entry or TSA PreCheck® fee is charged to the eligible account for the statement credit to be posted to the account. Only fees associated with either the Global Entry or the TSA PreCheck® application fee will be eligible towards the statement credit.

For information on Global Entry, visit globalentry.gov. For information on TSA PreCheck®, visit tsa.gov. Applications are made directly with these organizations, and this information is not shared with Citi, nor does Citi have access to Global Entry or TSA records. Citi does not share account information with Global Entry or TSA. Decisions to approve/deny applications are made solely by these organizations, and Citi has no influence over these decisions. Citi is not notified of approvals or denials of applications.

TSA PreCheck® is a registered trademark of the Department of Homeland Security.

CitiBusiness® / AAdvantage® Platinum Select® World Elite Mastercard®

American Airlines AAdvantage® bonus miles are not available if you have received a new account bonus for a CitiBusiness® / AAdvantage® Platinum Select® account in the past 48 months.

Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) are not purchases. American Airlines AAdvantage® bonus miles typically will appear as a bonus in your AAdvantage® account 8-10 weeks after you have met the purchase requirements. Miles may be earned on purchases made by primary credit cardmember and employee cardmembers. Purchases must post to your account during the promotional period. Many merchants will wait for a purchase to ship before they post the purchase to your account. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account.

For benefit to apply, the CitiBusiness® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, these benefits will be cancelled.

Eligible CitiBusiness® / AAdvantage® primary credit cardmembers may check one bag free of charge when traveling on domestic itineraries marketed and operated by American Airlines, or on itineraries marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. All flights on the itinerary must be domestic flights marketed by American Airlines and operated by American Airlines or American Eagle. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. For the CitiBusiness® / AAdvantage® card, up to four (4) companions traveling with the eligible primary credit cardmember will also get their first checked bag free of charge if they are listed in the same reservation. Benefit does not apply to overweight or oversized bags. This benefit cannot be combined with any existing AAdvantage® elite program benefits, or with First or Business class benefits, including any waiver of baggage charges. Please see aa.com/baggage » for baggage weight and size restrictions. Applicable terms and conditions are subject to change without notice.

Double miles on purchases in select business categories

Earn 2 AAdvantage® miles per $1 spent on purchases at certain telecommunications merchants, car rental merchants, cable and satellite providers, and at gas stations. Telecommunications merchants are classified as merchants that sell telecommunications equipment such as telephones, fax machines, pagers, and cellular phones, along with providers of telecommunications services including local and long-distance telephone calls and fax services. Car rental merchants are classified as providers of short-term or long-term rentals of cars, trucks, or vans. Cable and satellite providers are classified as merchants that provide the connection and ongoing delivery of television, internet (computer network, information services, email website hosting services) telephone and radio programming via cable or satellite on a subscription or fee basis. Gas stations are classified as merchants that sell fuel primarily for consumer use and may or may not be attended.

Certain non-qualifying purchases: Car rental purchases not eligible to receive double miles include purchases at merchants that rent motor homes or other recreational vehicles and purchases made through travel agencies, tour operators and online third party travel sites, and charges paid on car rental redemptions through RocketMiles. Gas station purchases not eligible to receive double miles include, but are not limited to, purchases made at warehouse clubs that do not code gas station purchases under a gas station code, discount stores, department stores and convenience stores.

Citi® reserves the right to determine which purchases qualify for this offer. Miles may be earned on purchases made by primary credit cardmembers and authorized users. Balance transfers, cash advances, checks that access your credit card account, items and services returned for credit, unauthorized charges, interest and account fees, traveler’s checks, purchases of foreign currency, money orders, wire transfers (and similar cash-like transactions), lottery tickets, and gaming chips (and similar betting transactions) account do not earn miles. Miles earned will be posted to the primary credit cardmember’s AAdvantage® account in 8–10 weeks.

For benefit to apply, the CitiBusiness® / AAdvantage® account must be open 7 days prior to air travel, and reservation must include the primary credit cardmember’s American Airlines AAdvantage® number 7 days prior to air travel. If your credit card account is closed for any reason, this benefit will be cancelled. This benefit will not be available for travel on codeshare flights booked with an American Airlines flight number but operated by another airline. Up to four (4) companions traveling with and listed in the same reservation as the CitiBusiness® / AAdvantage® primary credit cardmember are eligible to board at the same time as the primary credit cardmember. Applicable terms and conditions are subject to change without notice.

Eligible CitiBusiness® / AAdvantage® credit cardmembers board after Priority boarding is complete, but before the rest of economy boarding. The boarding benefit will display on your American Airlines boarding pass as Group 5. This benefit applies on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc.

25% savings on eligible inflight purchases of food and beverage

CitiBusiness® / AAdvantage® credit cardmembers will receive a 25% savings on inflight purchases of food and beverages on flights operated by American Airlines when purchased with their CitiBusiness® / AAdvantage® card. Savings do not apply to any other inflight purchases. This benefit applies to domestic flights marketed and operated by American Airlines or on domestic flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Offer is available on eligible flights as long as supplies last. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

25% savings on inflight Wi-Fi purchases

Receive a 25% savings when you use your CitiBusiness® / AAdvantage® Platinum® Select credit card for the purchase of inflight Wi-Fi service from American Airline’s Wi-Fi merchants Gogo, Viasat, or Panasonic, and on American Airlines’ Wi-Fi Subscription Plan. This benefit applies to flights marketed and operated by American Airlines or on flights marketed by American Airlines and operated by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. This benefit is not available on codeshare flights booked with an American Airlines flight number but operated by another airline. Savings will appear as a statement credit 8-10 weeks after the transaction is posted to the credit cardmember’s card account. Applicable terms and conditions are subject to change without notice.

American Airlines Companion Certificate

The primary credit cardmember will earn a $99 domestic economy fare American Airlines Companion Certificate after you spend $30,000 or more in purchases that post to your CitiBusiness® / AAdvantage® Platinum Select® credit card billing statement during your credit cardmembership year (every 12 months from the billing cycle after your anniversary month through the billing cycle of your next anniversary month). With the exception of special account status or circumstances (e.g. Military relief programs) the anniversary month will coincide with the month in which the annual fee is billed. To receive the Companion Certificate, your account must be open for one full billing cycle after your anniversary month. For your first year of credit cardmembership, purchases qualify as of the date of your account opening. After these conditions are met, please allow at least 8-10 weeks for availability of the Companion Certificate. You must have an open AAdvantage® account for the Companion Certificate to be awarded to your account and to redeem the certificate. When used according to its terms, the primary credit cardmember will pay a $99 companion ticket fee plus $21.60 to $43.20 in government taxes and fees, depending on itinerary, for one round trip qualifying domestic economy fare ticket for a companion when an individual round trip qualifying domestic Main Cabin fare ticket is purchased and redeemed through American Airlines Meeting Services. Travel must be booked and purchased in select Main Cabin inventory. The certificate must be redeemed and all travel completed by midnight of the Travel Expiration Date shown on the certificate. Valid for travel on flights within the 48 contiguous United States on flights marketed and operated by American Airlines, or on flights marketed by American Airlines and operated as American Eagle® flights by Envoy Air Inc., Republic Airways Inc., SkyWest Airlines, Inc., Mesa Airlines, Inc., PSA Airlines, Inc., or Piedmont Airlines, Inc. For residents of Alaska and Hawaii, the companion certificate is also valid for round-trip travel originating in either of those two states and continuing to the 48 contiguous United States. For residents of U.S. Virgin Islands and Puerto Rico, companion certificate eligible travel is also defined as round-trip travel originating in either of those two territories and continuing to the 48 contiguous United States. The Companion Certificate is not redeemable for air travel on any oneworld® carrier or on an American Airlines codeshare flight. Applicable terms and conditions are subject to change without notice. Details, terms and conditions, certain restrictions, and restricted dates apply and will be disclosed on the certificate.

Employees may be added to the account as authorized users. Miles earned on an authorized user’s credit card will be allocated to the AAdvantage® account of the primary credit cardholder and not to the authorized user. You must pay us for all charges made or allowed by authorized users. Authorized users are able to get account information. Authorized users must be employees or contractors of your business. You need the authorized user’s permission to give us any information about them that we request and to allow us to share information about them as allowed by applicable law. This includes information we may get from you, any authorized user and others. It also includes information about their transactions on the account.

If Citi sees evidence of fraud, misuse, abuse, or suspicious activity, as determined by Citi in its sole discretion, Citi reserves the right to take action against you and your credit card account. This may include, without limitation and without prior notice, declining your credit card account application, stopping you from earning American Airlines AAdvantage® miles for purchases made with your card, suspending or closing your CitiBusiness® / AAdvantage® card account, and advising American Airlines of such activity. Citi may also take legal action against you to recover monetary losses, including litigation costs and damages. Examples of activities that may trigger such actions include, but are not limited to, the following: (1) application for a card account in an attempt to take advantage of a bonus offer that was not intended for you or for which you are not eligible per the terms of the offer; (2) repeated cancellation or conversion of your Citi card accounts within one year after account opening or conversion; (3) returns of purchases you made to satisfy all or a substantial portion of the purchase requirements for a bonus offer or excessive returns of purchases for which you have earned AAdvantage® miles or (4) using the account other than for business purposes.

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You Can Now Volunteer to Be Bumped Right In the American Airlines App

Despite technical advances in so much of the air travel experience, there's one aspect that's remained stubbornly manual: handling oversell situations. It's only been in the last couple of years that airlines have tried to add an electronic element to the process. Yet still, often the process still ends with a gate agent announcing the flight is oversold, and asking for volunteers to take another flight.

American Airlines is working to eliminate this often-chaotic process, and this week it took a step forward toward that goal: AA passengers are now able to volunteer to be bumped right in the AA app. After testing this feature recently with a limited group of passengers, this electronic volunteering process went live for all AA passengers and at all US airports for AA flights starting Friday, May 3.

Currently it's only available through the AA app, but the airline is planning to expand the system to the web and kiosk check-in procedures soon.

One of the passengers that got to test it early was Jamie Larounis, who shared the screenshots and experience on Twitter:

Jamie pointed out what seemed to be a quirk in the system: he went through the volunteer process through the app, but the gate agent said that he wasn't on the list . He figured that his being on the upgrade list prevented the system from letting him also be on the volunteer list. I checked with American Airlines about this situation, and they confirmed that this isn't a limitation of the new system. Passengers will be able to be on both the upgrade list and volunteer list.

An electronic volunteer process is something that both Delta and United have had enabled through their check-in process and/or app for a while now. So, this is certainly another catch-up step for American Airlines -- just like boarding push notifications that AA is beta testing now .

But AA doesn't plan on stopping here. It's working on dynamic rebooking solutions to avoid gate-bump situations by adding confirmable offers right in the app. For example, a passenger on a connecting itinerary through Dallas/Fort Worth might be offered an opportunity to rebook on an itinerary connecting in Chicago instead with compensation for the change. Doing this in advance of the departure gate would allow the airline more rebooking options and allow the passenger to adjust plans for the altered schedule.

When speaking with an American Airlines spokesperson about this process, I clarified an aspect of the volunteer bump process. Sure enough, it is AA policy that the compensation amount is the same for all passengers bumped at the gate.

For example, let's say that four passengers volunteer to be bumped, bidding $150, $200, $250 and $300. If the gate agent needs to bump three passengers from the flight, the passengers who bid $150-250 will have the option to be bumped for $250 each. If one of those three passengers is no longer interested in volunteering, the offer would increase to $300 each for the remaining three passengers.

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2 Hotel brands with loyalty or rewards programs and the terms and conditions applicable thereto are subject to change. Please contact hotels directly for information on individual loyalty or reward program rules and restrictions. Card Members may be required to provide correct loyalty information upon arrival to the property.

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Receive valuable amenities on eligible sailings of 5-nights or more with participating cruise lines, including onboard credits and 2X Membership Rewards points, when you book through American Express Travel with your Platinum Card.*

• Learn More about Cruise Benefits

2X Points on Cruises & Prepaid Car Rentals

Get rewarded when you travel. Earn 2X points on cruises and prepaid car rentals booked at AmexTravel.com with your Platinum Card.*

• Plan a Cruise

Explore More Travel Benefits

Unlock more value for your next flight. Enjoy complimentary access to airport lounges through the American Express Global Lounge Collection®, and more with your Platinum Card. Terms apply.

• See More Travel Benefits

Enjoy elevated benefits through American Express Travel with your Business Platinum Card® 

Unlock added value and special perks on flights, hotels, vacation rentals, cruises, car rentals and more when you book through American Express Travel.

Enjoy hotels that are destinations unto themselves with Fine Hotels + Resorts ® . With every stay booked at over 1,600 extraordinary properties through American Express Travel, you'll receive this complimentary suite of benefits that offers an average total value of $550 † :

Mandarin Oriental, Boston

Earn points or use Membership Rewards ® Pay with Points towards your next trip booked at AmexTravel.com. You can even use a combination of points and Card.*

Get rewarded when you travel. Earn 5X Membership Rewards ® points on flights, prepaid hotels, and more booked through American Express Travel with your Business Platinum Card.

Earn 5X points on flights booked through AmexTravel.com.

Earn 5X points on prepaid hotels booked through American Express Travel.This includes 5X points on our curated collections, Fine Hotels + Resorts ® and The Hotel Collection, where you’ll enjoy added benefits to enhance your stay. 

Earn 5X points on Select Homes + Retreats, a curated collection of professionally managed vacation rentals, booked through AmexTravel.com.

Earn 5X points on flight + hotel packages booked through AmexTravel.com.

Go further with Membership Rewards ®  Pay with Points. As a Business Platinum Card Member, you can use Pay with Points at AmexTravel.com toward all or part of your next flight, prepaid hotel, or other eligible travel booking.

All Flights

Use points to book Select Homes + Retreats stays through AmexTravel.com.

Earn 5X Membership Rewards ® points on flights booked at AmexTravel.com. Plus, earn miles as you typically would with airlines.

You'll also earn 5X points when you book prepaid stays with Fine Hotels + Resorts and The Hotel Collection through American Express Travel. Plus, you still earn loyalty points with hotels. 2

Access lower fares on select routes and more when you book flights through American Express Travel with your Business Platinum Card.

Explore lower fares on International First, Business, and Premium Economy seats with the International Airline Program when you book through American Express Travel with your Business Platinum Card. Maximum of 8 tickets per booking. Card Member must be traveling on the itinerary.*

Go further with fewer Membership Rewards points. With Insider Fares* , it takes fewer points to get around the globe. When you book on AmexTravel.com with your Business Platinum Card and use Pay with Points for the entire fare, you get access to deals on select flights, because less points are needed.

Access lower fares on select domestic and international routes through October 1, 2024. Log in to AmexTravel.com with your Business Platinum Card account and filter flight search results by clicking on the Recommended Flights checkbox to find lower fares.*

Take advantage of more travel benefits and offers through American Express Travel and make your next trip one to remember. 

Work remotely in comfort with Select Homes + Retreats™, a curated collection of professionally managed short-term rentals. Book your Select Homes + Retreats™ stay through AmexTravel.com using your Business Platinum Card® and earn 5X Membership Rewards® points, or you can use Pay with Points towards your trip.*

• Explore Destinations

As a Business Platinum Card Member, you can receive valuable amenities on eligible sailings of 5-nights or more with participating cruise lines, including onboard credits and 2X Membership Rewards points, when you book through American Express Travel.*

• View Cruise Benefits

Earn 2X Membership Rewards points on cruises and prepaid car rentals booked at AmexTravel.com with your Business Platinum Card.*

Unlock more value for your next flight. Enjoy complimentary access to airport lounges through the American Express Global Lounge Collection® and more with your Business Platinum Card. Terms apply.

Enjoy added benefits with American Express Travel and your American Express® Gold Card

Unlock elevated perks on flights, hotels, cruises, car rentals and more when you book through American Express Travel with your Gold Card.

Corazon Cabo Resort & Spa

Elevate your Stay with The Hotel Collection

For upscale hotels in desirable destinations, book The Hotel Collection through American Express Travel with your Gold Card. With every stay of two or more nights booked at over 1,000 hand-picked hotels, you'll receive these added benefits that offer an  average total value of $150 †† , plus two new benefits:

Late check-out, when available

†† Average value based on The Hotel Collection bookings in 2023 for stays of two nights. Actual value will vary based on property, roomrate, upgrade availability, and use of benefits.  1 Eligible charges vary by property.  ‡ Certain room categories are not eligible for upgrade.

Get rewarded when you travel. When you book through AmexTravel.com with your Gold Card, you can earn points or use Membership Rewards ®  Pay with Points towards your next trip. You can even use a combination of points and Card.*

Get up to 3X Points on Travel

Get to your next trip faster with 3X Membership Rewards ® points on flights*, and 2X points on prepaid hotels* and more when you book through American Express Travel using your Gold Card.

3X on Flights

Earn 3X points on flights booked through AmexTravel.com.

2X on Prepaid Hotels

Earn 2X points on prepaid hotels booked through AmexTravel.com. This includes 2X points on The Hotel Collection properties, where you'll enjoy added benefits to enhance your stay. 

2X on Flight + Hotel Packages

Earn 2X points on flight + hotel packages booked through AmexTravel.com.

2X on Prepaid Car Rentals*

Earn 2X points on prepaid car rentals booked through AmexTravel.com. 

2X on Cruises*

Earn 2X points on cruises booked through AmexTravel.com. 

Let Membership Rewards ®  points take you further. As a Gold Card Member, you can use Pay with Points at AmexTravel.com toward all or part of your next flight, prepaid hotel, prepaid car rental, cruise or flight + hotel package.

Use points for prepaid hotels booked through American Express Travel, including properties in The Hotel Collection.

With your Membership Rewards perks, you still earn loyalty benefits with airlines and hotels.

When you book a flight at AmexTravel.com, you'll earn 3X Membership Rewards points.  Plus, you'll still earn miles with airlines as you typically would.

You'll also earn 2X points on prepaid stays booked with The Hotel Collection through American Express Travel. Plus, you still earn loyalty points with hotels. 2

Discover More Travel Benefits

Special Hotel Offers

Take advantage of special offers like an extra night, added savings, and more at select properties in The Hotel Collection booked through American Express Travel.* Offers vary by property. Travel dates and terms apply.

• See Offers with The Hotel Collection

With Insider Fares*, it takes fewer points to get around the globe. When you book on AmexTravel.com and use Pay with Points for the entire fare, you get access to deals on select flights, because less points are needed.

• Access Insider Fares

Lowest Hotel Rates Guarantee

Book your next hotel stay online at AmexTravel.com and get the Lowest Hotel Rates Guarantee for eligible bookings.* Excludes rates booked through Fine Hotels + Resorts and The Hotel Collection.

• Explore Hotels and Save

Enjoy valuable benefits with American Express Travel and your Business Gold Card

Unlock added value, like earning 3X Membership Rewards ® points on flights and prepaid hotels, when you book at AmexTravel.com with your Business Gold Card.*

Conrad New York Downtown

Elevate your Business Travel with The Hotel Collection

For upscale hotels in desirable destinations, book The Hotel Collection through American Express Travel with your Business Gold Card. With every stay of two or more nights booked at over 1,000 hand-picked hotels, you'll receive these added benefits that offer an  average total value of $150 †† , plus two new benefits:

Let Membership Rewards® Points Inspire Your Next Adventure

Get rewarded when you travel. When you book through AmexTravel.com with your Business Gold Card, you can earn points or use Membership Rewards ®  Pay with Points towards your next trip. You can even use a combination of points and Card.*

Get to your next trip faster with 3X Membership Rewards ® points when you book flights, prepaid hotels and more through American Express Travel using your Business Gold Card.*

3X on Flights*

3X on Prepaid Hotels*

Earn 3X points on prepaid hotels booked through American Express Travel. This includes 3X points on The Hotel Collection, where you'll enjoy added benefits to enhance your stay. 

3X on Flight + Hotel Packages*

Earn 3X points on flight + hotel packages booked through AmexTravel.com.

Let Membership Rewards ®  points take you further. As a Business Gold Card Member, you can use Pay with Points at AmexTravel.com toward all or part of your next flight, prepaid hotel, prepaid car rental, cruise or flight + hotel package.

How to Pay with Points

Use points for prepaid hotels booked through American Express Travel, including The Hotel Collection.

Use points for Flight + Hotel package booked through AmexTravel.com.

You'll also earn 3X points on prepaid stays booked with The Hotel Collection through American Express Travel. Plus, you still earn loyalty points with hotels. 2

Take advantage of more travel perks through American Express Travel and make your next trip one to remember. 

Explore the benefits of booking through American Express Travel with your American Express® Green Card

Unlock special perks, like earning 3X Membership Rewards ® points on flights and prepaid hotels, when you book through American Express Travel with your Green Card.*

Get 3X Points on Travel*

Get to your next trip faster with 3X Membership Rewards ® points on flights, prepaid hotels, prepaid car rentals, cruises and flight + hotel packages when you book through American Express Travel using your American Express Green Card.

Earn 3X points on flights booked through American Express Travel.

3X on Prepaid Hotels

Earn 3X points on prepaid hotels booked through American Express Travel.

3X on Flight + Hotel Package

Earn 3X points on flight + hotel packages booked at AmexTravel.com.

3X on Prepaid Car Rentals

Earn 3X points on prepaid car rentals booked at AmexTravel.com. 

3X on Cruises

Earn 3X points on cruises booked at AmexTravel.com. 

Let Membership Rewards ®  points take you further. As a Green Card Member, you can use Pay with Points at AmexTravel.com toward all or part of your next flight, prepaid hotel, prepaid car rental, cruise or flight + hotel package.

Use points for prepaid hotels booked through American Express Travel.

Use points for Flight + Hotel package booked at AmexTravel.com.

Use points for prepaid car rentals booked at AmexTravel.com.

Insider Fares*

With Insider Fares, it takes fewer points to get around the globe. When you book on AmexTravel.com with your American Express Green Card and use Pay with Points* for the entire fare, you get access to deals on select flights, because less points are needed.

Lowest Hotel Rates Guarantee*

Book with confidence, knowing you’ll always get the lowest rate through American Express Travel. If you book a qualifying hotel rate online on AmexTravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, at a lower price online, before taxes and fees, we’ll refund you the difference.

Make everlasting memories. Start your booking with American Express Travel today.

*Terms and Conditions

Basic Card Members on U.S. Consumer Platinum Card Account are eligible to receive up to $200 in statement credits per calendar year when they or Additional Platinum Card Members use their Cards to pay for eligible prepaid Fine Hotels + Resorts® and The Hotel Collection bookings made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card) or when Companion Platinum Card Members on such Platinum Card Accounts pay for eligible prepaid bookings for The Hotel Collection made through American Express Travel (meaning through amextravel.com, the Amex® App, or by calling the phone number on the back of your eligible Card). Purchases by both the Basic Card Member and any Additional Card Members on the Card Account are eligible for statement credits. However, the total amount of statement credits for eligible purchases will not exceed $200 per calendar year, per Card Account. Fine Hotels + Resorts® program bookings may be made only by eligible U.S. Consumer Basic Platinum and Additional Platinum Card Members. The Hotel Collection bookings may be made by eligible U.S. Consumer Basic and Additional Platinum Card Members and Companion Platinum Card Members on the Platinum Card Account. Delta SkyMiles® Platinum Card Members are not eligible for the benefit. To receive the statement credits, an eligible Card Member must make a new booking using their eligible Card through American Express Travel on or after July 1st, 2021, that is prepaid (referred to as "Pay Now" on amextravel.com and the Amex App), for a qualifying stay at an available, participating Fine Hotels + Resorts or The Hotel Collection property. Bookings of The Hotel Collection require a minimum stay of two consecutive nights. Eligible bookings must be processed before December 31st, 11:59PM Central Time, each calendar year to be eligible for statement credits within that year. Eligible bookings do not include interest charges, cancellation fees, property fees or other similar fees, or any charges by a property to you (whether for your booking, your stay or otherwise).   

Statement credits are typically received within a few days, however it may take 90 days after an eligible prepaid hotel booking is charged to the Card Account. American Express relies on the merchant’s processing of transactions to determine the transaction date. The transaction date may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses another date as the transaction date. This means that in some cases your purchase may not earn the statement credit benefit for the benefit period in which you made the purchase. For example, if an eligible purchase is made on December 31st but the merchant processes the transaction such that it is identified to us as occurring on January 1st, then the statement credit available in the next calendar year will be applied. Statement credits may not be received or may be reversed if the booking is cancelled or modified. If the Card Account is cancelled or past due, it may not qualify to receive a statement credit. If American Express does not receive information that identifies your transaction as eligible, you will not receive the statement credits. For example, your transaction will not be eligible if it is a booking: (i) made with a property not included in the Fine Hotels + Resorts or The Hotel Collection programs, (ii) not made through American Express Travel, or (iii) not made with an eligible Card. Participating properties and their availability are subject to change. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit, American Express will not have an obligation to provide and may reverse any statement credits provided to you. If a charge for an eligible purchase is included in a Pay Over Time balance on your Card Account, the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead, the statement credit may be applied to your Pay In Full balance. Please refer to  AmericanExpress.com/FHR  and  AmericanExpress.com/HC  for more information about Fine Hotels + Resorts and The Hotel Collection, respectively.

2X Membership Rewards® Points

Membership Rewards-enrolled Card Members get at least 1 Membership Rewards® point for every eligible dollar spent on their Membership Rewards program-enrolled American Express® Card. Those same Card Members will also get at least 1 additional point for each dollar of eligible travel purchases made on amextravel.com on their Membership Rewards program-enrolled American Express Card.  Corporate Card Members are not eligible for the additional point.  Eligible travel purchases include all travel purchases made with your Membership Rewards program-enrolled American Express® Card on amextravel.com, including air, prepaid hotels, prepaid short-term rentals, prepaid car rentals, vacation packages (flight + hotel packages) or cruise reservations, minus returns and other credits.  Platinum and Business Platinum Card Members are only eligible for 1 additional point on cruise reservations.  Eligible travel purchases do NOT include non-prepaid car rentals, non-prepaid hotels, ticketing service or other fees, or interest charges. Additional point bonuses you may receive with your Card on other purchase categories from American Express may not be combined with this offer (e.g., 5X bonuses for Platinum and Business Platinum Card Members, 3X bonuses for Business Gold Card Members, or 1.5X bonuses for Business Centurion and Business Platinum Card Members, etc.). Any portion of a charge that you elect to cover through redemption of Membership Rewards points is not eligible to receive points. Additional points will be credited to the Membership Rewards account 10-12 weeks after final payment is made.

3X Membership Rewards Points Business Gold

Basic American Express® Business Gold Card Members will get at least one Membership Rewards® point for each dollar of eligible travel purchases on their Card and on any Employee Cards on their Card Account. Basic Card Members will get 2 additional points (for a total of 3 points) for each dollar spent on eligible travel purchases on their Business Gold Card Account from American Express. Eligible travel purchases include scheduled flights and prepaid flight+hotel packages made online at AmexTravel.com, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel over the phone with our Travel Consultants or made online at AmexTravel.com, minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, scheduled flights and prepaid flight+hotel packages booked over the phone, vacation packages, car rentals, cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 3X Membership Rewards® points, the booking must be both reserved and charged on the Basic or Additional/Employee Card on the Card Account. To modify a reservation, you can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. To be eligible for the 3X Membership Rewards® points, any changes to an existing reservation must be made through the same method as your original booking. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 3X Membership Rewards® point benefit. To be eligible to receive extra points, Card Account(s) must not be cancelled or past due at the time of extra points fulfillment. If a booking is canceled, the extra points will be deducted from the Membership Rewards account. Extra points will be credited to the Membership Rewards account approximately 6-10 weeks after eligible purchases appear on the billing statement. Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this benefit.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. You may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, you may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

Please visit  americanexpress.com/rewards-info  for more information about rewards.

5X Membership Rewards Points for Business Platinum Card

You will get one point for each dollar charged for an eligible purchase on your Business Platinum Card® from American Express. You will get 4 additional points (for a total of 5 points) for each dollar spent on eligible travel purchases. Eligible travel purchases include scheduled flights and prepaid flight and hotel packages made online at AmexTravel.com, minus returns and other credits. Additionally, eligible travel purchases include prepaid hotel purchases made through American Express Travel, over the phone with our Travel Consultants or made online at AmexTravel.com, minus returns and other credits. Eligible travel purchases do NOT include non-prepaid hotel bookings, scheduled flights and prepaid flight and hotel packages over the phone, vacation packages, car rentals, cruise, hotel group reservations or events, ticketing service, cancellation or other fees, interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. To be eligible for the 5x Membership Rewards® points, you must both reserve and charge the travel purchase with the same eligible Business Platinum Card®. To modify a reservation you must cancel and rebook your reservation. You can cancel and rebook your reservation on AmexTravel.com or by calling a representative of AmexTravel.com at 1-800-297-2977. Cancellations are subject to hotel cancellation penalty policies. If hotel reservations are made or modified directly with the hotel provider, the reservation will not be eligible for this 5X Membership Rewards® point benefit. To be eligible to receive extra points, Card account(s) must not be cancelled or past due at the time of extra points fulfillment. If booking is cancelled, the extra points will be deducted from the Membership Rewards account. Extra points will be credited to the Membership Rewards account approximately 6-10 weeks after eligible purchases appear on the billing statement. Additional point bonuses you may receive with your Card on other purchase categories from American Express may not be combined with this benefit (e.g., 1.5X and 2X bonuses for Business Platinum Card Members, etc.). Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus. The benefits associated with the Additional Card(s) you choose may be different than the benefits associated with your basic Card. To learn about the benefits associated with Additional Card(s) you choose, please call the number on the back of your Card.   

5X Membership Rewards® Points Platinum Card

Basic Card Members will get 1 Membership Rewards® point for each dollar charged for eligible purchases on their Platinum Card® or an Additional Card on their Account and 4 additional points (for a total of 5 points) for each dollar charged for eligible travel purchases on any Card on the Account (“Additional Points”), minus cancellations and credits. Eligible travel purchases are limited to: (i) purchases of air tickets on scheduled flights, of up to $500,000 in charges per calendar year, booked directly with passenger airlines or through American Express Travel (by calling 1-800-525-3355 or through AmexTravel.com); (ii) purchases of prepaid hotel reservations booked through American Express Travel; and (iii) purchases of prepaid flight+hotel packages booked through AmexTravel.com. Eligible travel purchases do not include: charter flights, private jet flights, flights that are part of tours, cruises, or travel packages (other than prepaid flight+hotel packages booked through AmexTravel.com), ticketing or similar service fees, ticket cancellation or change fees, property fees or similar fees, hotel group reservations or events, interest charges, or purchases of cash equivalents. Eligible prepaid hotel bookings or prepaid flight+hotel bookings that are modified directly with the hotel will not be eligible for Additional Points.

Bonuses that may be received with your Card on other purchase categories or in connection with promotions or offers from American Express cannot be combined with this benefit. Any portion of a charge that the Basic Card Member elects to cover through redemption of Membership Rewards points is not eligible to receive points. Additional terms and restrictions apply.

Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for Additional Points. A purchase with a merchant will not earn Additional Points if the merchant’s code is not included in an Additional Points category. Basic Card Members may not receive Additional Points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an Additional Points category. For example, you may not receive Additional Points when: a merchant uses a third-party to sell their products or services, a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers), or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet.

To be eligible for this benefit, the Card Account must not be cancelled. If American Express, in its sole discretion, determines that you have engaged in or intend to engage in any manner of abuse, misuse, or gaming in connection with this benefit in any way American Express may remove access to this benefit from the Account. For additional information, call the number on the back of your Card or visit  americanexpress.com/rewards-info  for more information about rewards.

Cruise Privileges Program Cruise Privileges Program (“CPP”) benefits are valid only for new CPP bookings made with participating cruise lines through American Express Travel. CPP benefits are valid only for eligible U.S. Consumer and Business Platinum and Centurion® Card Members (Delta SkyMiles® Platinum Card Members are not eligible). CPP bookings must be made using the eligible Card. CPP benefits are non-transferable. Participating cruise lines and program benefits are subject to change. The benefits of an onboard credit and amenity are valid for new CPP bookings of at least five nights and require double occupancy; the eligible Card Member must be traveling on the itinerary booked; the total cost of the CPP booking must be paid using an American Express® Card in the eligible Card Member's name. Onboard credits and amenities cannot be combined with other offers unless indicated; blackout dates, category and fare restrictions may apply. Onboard credits and amenities may not be available to residents outside of the 50 United States. Onboard credits and amenities apply per stateroom, with a three-stateroom limit per eligible Card Member, per cruise. For new CPP bookings with Celebrity Cruises, Norwegian Cruise Line, Holland America Line, Princess Cruises, and Royal Caribbean International, eligible Card Members receive an onboard credit (in USD) of: $100 for inside and outside staterooms, $200 for balcony, verandah, and mini-suite staterooms, and/or $300 for suites. For new CPP bookings with Cunard, eligible Card Members receive an onboard credit (in USD) of: $300 for all Queen Mary ocean-view staterooms category EF or higher, and/or Queen Victoria or Queen Elizabeth ocean-view staterooms category FA or higher. For new CPP bookings with Ama Waterways, Oceania, Regent, Azamara, Seabourn, Silversea, Uniworld, Windstar, and Explora Journeys, eligible Card Members receive an onboard credit of US$300 for all stateroom categories. For new CPP bookings, Centurion Members receive an additional US$200 onboard credit on Explora Journeys, Regent Seven Seas Cruises, Seabourn, and Silversea. Onboard credits will be applied at checkout upon completion of the cruise; credit amounts in local currency may vary due to foreign exchange rates; credits are subject to cruise line terms and policies; credits cannot be used for casino charges, gratuities or other similar charges. Any unused portion of a credit is non-refundable and is not redeemable for cash. Other restrictions may apply. Onboard amenities vary by participating cruise line and are not available on Silver Explorer, Silver Galapagos and Silver Discoverer. Onboard credits and amenities are not available on Celebrity Cruises Galapagos sailings.  

Extra Membership Rewards® points: CPP-eligible Card Members that are Membership Rewards program-enrolled will receive one (1) extra Membership Reward® point per eligible dollar spent on new CPP bookings made with participating cruise lines through American Express Travel; separate airfare and other charges associated with such bookings are not eligible. CPP bookings must be made using the eligible Card (described above). The extra points will be credited to the Card Member’s Membership Rewards account 8-12 weeks after completion of the CPP cruise. For more information visit  membershiprewards.com/terms .

Fine Hotels + Resorts®

Fine Hotels + Resorts® (FHR) program benefits are available for new bookings made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer, Business, and Corporate Platinum Card® Members, and Centurion® Members. Additional Platinum Card Members on Consumer and Business Platinum and Centurion Card Accounts are also eligible for FHR program benefits. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts, and Delta SkyMiles® Platinum Card Members are not eligible for FHR program benefits. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of $100 credit and additional amenity (if applicable) varies by property; the credit will be applied to eligible charges up to the amount of the credit. To receive the credit, the eligible spend must  be charged to your hotel room. The credit will be applied at check-out. Advance reservations are recommended for certain credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

Fine Hotels + Resorts Special Offers

Special offer and Fine Hotels + Resorts® (FHR) program benefits are available for new bookings made through American Express Travel® with participating properties and are valid only for eligible U.S. Consumer, Business, Corporate Platinum Card® Members and Centurion® Members. Additional Platinum Card Members on Consumer and Business Platinum and Centurion Card Accounts are also eligible for FHR program benefits. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on Business Platinum and Centurion Card Accounts, and Delta SkyMiles® Platinum Card Members are not eligible for FHR program benefits or related special offers. Special offers are not combinable with other offers unless indicated, including, without limitation, lower rate offers. Special offer book by and travel by dates apply and vary by property. The availability and related terms of this special offer applies at the point of booking. The special offer is subject to change at the discretion of the property and you may see a different offer if you navigate away and return later. A minimum number of consecutive nights of stay are required and blackout dates may apply, please refer to the offer terms associated with a given property for details. Any complimentary nights will be reflected at the time of booking; applicable taxes and fees for the complimentary nights will be removed at check-out. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. The average total value of the program benefits is based on prior-year bookings for stays of two nights; the actual value varies. Noon check-in and room upgrade are subject to availability and are provided at check-in; certain room categories are not eligible for upgrade. The type of $100 credit and additional amenity (if applicable) varies by property; the credit will be applied to eligible charges up to the amount of the credit. To receive the credit, the eligible spend must be charged to your hotel room. The credit will be applied at check-out. Advance reservations are recommended for certain credits. The type and value of the daily breakfast (for two) varies by property; breakfast will be valued at a minimum of US$60 per room per day. To receive the breakfast credit, the breakfast bill must be charged to your hotel room. The breakfast credit will be applied at check-out. If the cost of Wi-Fi is included in a mandatory property fee, a daily credit of that amount will be applied at check-out. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional FHR benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke FHR benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your FHR benefits. Benefit restrictions vary by property. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for FHR program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

Gold Card Membership Rewards®

Basic Card Members will earn one point for each dollar charged for an eligible purchase in each billing period on The American Express Gold Card or an Additional Card on their Account. Basic Card Members will earn: 3 additional points (for a total of 4 points) for each dollar of eligible purchases charged at restaurants worldwide (on the first $50,000 of eligible purchases per calendar year beginning on 1/1/2025); 3 additional points (for a total of 4 points) on the first $25,000 of eligible purchases per calendar year at supermarkets located in the U.S. (superstores, convenience stores, warehouse clubs, and meal-kit delivery services are not considered supermarkets); 2 additional points (for a total of 3 points) for each dollar of eligible purchases charged on airfare on a scheduled flight charged directly with passenger airlines (charter flights and private jet flights are excluded) and airfare charged directly through amextravel.com; and 1 additional point (for a total of 2 points) for each dollar of eligible purchases charged through amextravel.com for prepaid hotels, prepaid car rentals, or cruise reservations (non-prepaid car rentals, non-prepaid hotels, ticketing services or other fees are excluded). Bonuses you may receive with your Card on other purchase categories or in connection with promotions or offers from American Express may not be combined with this benefit. Basic Card Members may not earn additional points for purchases at a restaurant located within another establishment (e.g., a restaurant inside a hotel, casino, or event venue), events held within a restaurant, purchases made through third-party food delivery services outside of the U.S., or purchases at bars, nightclubs, cafeterias, caterers, theatre clubs, breweries, bakeries, and meeting venues. Please allow 8-12 weeks after the qualifying purchase is charged to your Card Account for points to be posted to the account. Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, person to person payments, purchases of gift cards, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. Merchants are assigned codes based on what they primarily sell. We group certain merchant codes into categories that are eligible for additional points. A purchase with a merchant will not earn additional points if the merchant’s code is not included in an additional points category. Basic Card Members may not receive additional points if we receive inaccurate information or are otherwise unable to identify your purchase as eligible for an additional points category. For example, Basic Card Members may not receive additional points when: a merchant uses a third-party to sell their products or services; or a merchant uses a third-party to process or submit your transaction to us (e.g., using mobile or wireless card readers); or you choose to make a purchase using a third-party payment account or make a purchase using a mobile or digital wallet. Please visit  americanexpress.com/rewards-info  for more information about rewards.

Green Card Membership Rewards®

You will earn one Membership Rewards® point for each dollar of eligible purchases charged in each billing period on the American Express Green Card®. Travel: You will earn 2 additional points (for a total of 3 points) for each dollar charged on eligible travel purchases including airfare, hotels, cruises, tours, car rentals, campgrounds, vacation rentals, travel purchases on third party travel websites, and travel purchases on amextravel.com. You will not earn additional points for purchases of timeshare properties. Transit: You will earn 2 additional points (for a total of 3 points) for each dollar charged on eligible transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways. Restaurants: You will earn 2 additional points (for a total of 3 points) for each dollar charged at restaurants. You may not earn additional points for purchases at a restaurant located within another establishment (e.g. a restaurant inside a hotel, casino, or event venue) or for purchases made through third-party food delivery services outside of the U.S. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at a hotel, not a restaurant. You also will NOT earn additional points for purchases at bars, nightclubs, cafeterias, and convenience stores.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, cash advances, person to person payments, purchases of gift cards, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents. Additional terms and restrictions apply. See  membershiprewards.com/terms  for the Membership Rewards program terms and conditions.

Insider Fares are valid only for Membership Rewards® program-enrolled Cards when a Card Member is booking through AmexTravel.com. Insider Fares will display in search results on AmexTravel.com only if an eligible Card Member is logged into his/her account and has enough Membership Rewards points for the entire fare; otherwise, publicly available fares will display. Insider Fares are fares for which less Membership Rewards points are required to purchase the flight. The entire amount of the purchase must be covered using Membership Rewards points. Insider Fares are only available on select flights. When purchasing an Insider Fare, the dollar amount of the fare will be charged to the Card Member’s account and a credit will be issued in that dollar amount on the Card Member’s statement; additionally, the number of Membership Rewards points required for the fare will be deducted from the Card Member’s Membership Rewards account balance. Participating airlines and benefits are subject to change. For more information about the Membership Rewards program visit  www.membershiprewards.com/terms .

International Airline Program benefits are valid only for eligible U.S. Consumer, Business, and Corporate Platinum Card® and Centurion® Members (Delta SkyMiles® Platinum Card Members are not eligible), on international tickets booked through American Express Travel for select first class, business class, and premium economy tickets with participating airlines, subject to availability. Additional Platinum Cards on U.S. Consumer and Business Platinum Card Accounts and Additional Centurion and Additional Platinum Cards on U.S. Consumer and Business Centurion Accounts are also eligible to receive program benefits. Companion Card Members on Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Business Expense Card Members on Business Platinum and Centurion Card Accounts are not eligible. Most tickets will originate in and return to U.S. gateway (may exclude certain overseas territories) and select Canadian gateways. One-way travel is permitted on some airlines. An eligible Card Member can book for himself/herself and up to seven passengers traveling on the same itinerary as that Card Member. Bookings must be made using an eligible Card in the Card Member’s name. Discounts are applied to the base airfare. Discounts are not combinable with other offers unless indicated and may not apply to codeshare partners. Airline fare rules and restrictions apply and are subject to change at the discretion of the airline. American Express and the airline reserve the right to modify or revoke airline discount benefits at any time without notice if we or they determine, in our or their sole discretion, that you may have engaged in abuse, misuse, or gaming in connection with your airline discount benefits. Tickets are non-refundable unless otherwise indicated. Tickets are non-transferable; name changes are not permitted. Benefits, participating airlines, and ticket availability are subject to change.

Valid only for American Express Card Members. If you book a qualifying hotel rate on amextravel.com and then find the same room, in the same hotel, for the same dates, the same number of children and adults, the same rate type and cancellation policy at a lower price online, before taxes and fees, we'll refund you the difference. For pre-paid reservations, your claim must be submitted prior to your stay, before the date of check-in. For verification of “pay later” hotel bookings, your claim must be submitted within thirty (30) days after you have completed the hotel stay, and the customer service representative may instruct you to mail a copy of your hotel receipt to American Express within that time period. American Express will honor the lower price for verified requests. The "Lowest Hotel Rates Guarantee" policy applies only to online rates available to the general public and excludes (1) rates or discounts that are not available to the general public, including, but not limited to, corporate, group, charter, meeting/convention, AAA, government/military, and senior citizen rates/discounts; or (2) hotel rooms booked through or in combination with frequent stay, loyalty, points, coupon promotions, rooms won through contests or sweepstakes or transferred, or rooms booked on opaque websites that do not allow you to see the name of the hotel until your reservation is complete; or (3) promotional packages, deals, all-inclusive packages, or bundles that may include additional amenities such as parking, meals, or entertainment, or (4) rates booked through the Fine Hotels + Resorts® and The Hotel Collection programs.  Details

Membership Rewards® Pay with Points

To use Pay with Points, you must charge your eligible purchase through American Express Travel to a Membership Rewards® program-enrolled American Express® Card. Eligible purchases through American Express Travel exclude non-prepaid car rentals and non-prepaid hotels. Points will be debited from your Membership Rewards account, and credit for corresponding dollar amount will be issued to the American Express Card account used. If points redeemed do not cover entire amount, the balance of purchase price will remain on the American Express Card account. Minimum redemption 5,000 points.

See  membershiprewards.com/terms  for the Membership Rewards program terms and conditions.

If a charge for a purchase is included in a Pay Over Time balance on your Linked Account the statement credit associated with that charge may not be applied to that Pay Over Time balance. Instead the statement credit may be applied to your Pay in Full balance. If you believe this has occurred, please contact us by calling the number on the back of your Card. Corporate Card Members are not eligible for Pay Over Time.

Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit  membershiprewards.com/terms  for more information. Participating partners and available rewards are subject to change without notice.

The value of Membership Rewards points varies according to how you choose to use them. To learn more, go to  www.membershiprewards.com/pointsinfo .

Special offer fares are valid only for eligible U.S. Consumer and Business Platinum Card® and Centurion® Members (Delta SkyMiles® Platinum Card Members are not eligible) on participating airlines for select domestic routes (routes may vary by airline); routes and participating airlines are subject to change during the offer term. The eligible Card Member must be one of the travelers on the booking. Discounts are applied to the base airfare. Discounts are not combinable with other offers unless otherwise specified. Tickets are subject to applicable government-imposed taxes/fees and airline-imposed fees; if baggage, seat-selection or similar items were not included with the tickets, additional fees may apply. Airline fare rules and restrictions and ticket terms and conditions apply and are subject to change at the discretion of the airline. Tickets are non-refundable unless otherwise indicated. Tickets are non-transferable. Applicable fares will display in search results on AmexTravel.com only if the eligible Card Member is logged into his/her account. Changes to tickets (if permitted) may incur an airline-imposed change fee, and/or any difference in fare. Cancellations of tickets (if permitted) may incur an airline-imposed cancellation fee. Special offer is valid for eligible bookings made through American Express Travel from today’s date through October 1, 2024.

Select Homes + Retreats

Select Homes + Retreats™ (SHR) program bookings must be made through AmexTravel.com with participating vacation rental management companies (also referred to as “Hosts”) and their participating properties. Bookings are valid only for eligible American Express® U.S. Consumer and Business Platinum Card® Members and Centurion® Members. Additional Card Members on U.S. Consumer and Business Platinum and Centurion Card Accounts are also eligible for SHR. Companion Card Members on U.S. Consumer Platinum and Centurion Card Accounts, Additional Business Gold and Additional Business Expense Card Members on U.S. Business Platinum and Centurion Card Accounts, and Delta SkyMiles® Platinum Card Members are not eligible for SHR. Bookings must be made by an eligible Card Member using an American Express® Card, in the eligible Card Member's name, and that Card Member must be staying at the property booked. Properties may have minimum age requirements to book. Bookings require prepayment and may require advance security deposit, as/if specified in the property listing. Bookings must be made at least 10 days prior to the date of check-in. Other than if specified in a property listing, the minimum length of stay is 2 consecutive nights and the maximum length of stay is 28 consecutive nights. Bookings are cancellable without penalty within 48 hours of being made if your booking is made at least 10 days before your scheduled check-in date; thereafter, bookings are subject to the Host’s applicable cancellation and other policies. Any booking cancelled within 48 hours after the initial booking will result in a voided billing transaction. Voided billing transactions do not result in a charge or refund and will not appear on your monthly Card statement. Dates of a booking cannot be modified once made. Card Members must cancel their booking and make a new booking through AmexTravel.com; in which case, the new booking will be subject to availability, any cancellation policies and fees, any increase in the nightly rates or other fees, and any other applicable policies or fees of the Host. After cancellation, the property previously booked may not be available for subsequent booking for up to 24 hours or more. Hosts may require Card Members to complete additional steps after booking, such as signing a rental agreement, completing identity and/or age verification, or other steps described in a property listing; if such steps are not completed promptly, your Host may cancel your booking, subject to the Host’s policies. Card Members must use the property for lawful purposes and the purposes for which the rental of a vacation home is provided, including, without limitation, abiding by all applicable rules, laws, and regulations and not gathering more people than the maximum occupancy of the home without the prior written approval of the Host. Participating Hosts and their participating properties are subject to change. American Express is not liable for the acts or omissions of Hosts, their properties (including homeowners), or third parties acting for or on behalf of Hosts or homeowners. American Express is not the provider of the properties offered for rental and does not collect taxes or remit taxes to applicable tax authorities. Tax amounts displayed include an estimated amount that Hosts are to bill for applicable government-imposed taxes and fees. Hosts are responsible for providing a final receipt to Card Members upon request and remitting the government-imposed taxes and fees to relevant tax authorities.  2X Membership Rewards Points – Basic Card Members with a Membership Rewards-enrolled Card get at least 1 Membership Rewards® point for every eligible dollar spent on their Membership Rewards program-enrolled American Express Card or Additional Card on their Account and will also get at least 1 additional point (for a total of 2 points) for each dollar charged for eligible Select Homes + Retreats purchases on any Card on the Account, minus cancellations and credits. 3X Membership Rewards Points – Green Card: Basic Card Members, when paying with their eligible Green Card or Additional Card on their Account, can earn 2 additional points (for a total of 3 points) for each dollar charged for eligible Select Homes + Retreats purchases on any Card on the Account, minus cancellations and credits. 5X Membership Rewards Points – Platinum Card: Basic Card Members, when paying with their eligible Platinum Card or Additional Card on their Account, can earn 4 additional points (for a total of 5 points) for each dollar charged for eligible Select Homes + Retreats purchases on any Card on the Platinum Card Account, minus cancellations and credits. Additional points will be credited to the Membership Rewards account 10-12 weeks after final payment is made

The Hotel Collection

The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel with participating properties and are valid only for eligible U.S. Consumer and Business Gold Card, Platinum Card® Members, and Centurion® Members. Additional Card Members on Consumer and Business Platinum Card Accounts, and Additional Card Members on Consumer and Business Centurion Accounts are also eligible for THC program benefits. Delta SkyMiles® Gold and Platinum Card Members are not eligible. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. Noon check-in, late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of $100 credit and additional amenity (if applicable) varies by property; the $100 credit will be applied to eligible charges up to $100. To receive the $100 credit, the eligible spend must be charged to your hotel room. The $100 credit will be applied at check-out. Advance reservations are recommended for certain credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

The Hotel Collection Special Offers

Special offer and The Hotel Collection (THC) benefits are available for new bookings of two consecutive nights or more made through American Express Travel® with participating properties and are valid only for eligible U.S. Consumer and Business Gold Card, Platinum Card®, and Centurion® Members. Additional Card Members on Consumer and Business Platinum Card Accounts, and Additional Card Members on Consumer and Business Centurion Accounts are also eligible for THC program benefits. Delta SkyMiles® Gold and Platinum Card Members are not eligible. Special offers are not combinable with other offers unless indicated, including, without limitation, lower rate offers. Special offer book by and travel by dates apply and vary by property. The availability and related terms of this special offer applies at the point of booking. The special offer is subject to change at the discretion of the property and you may see a different offer if you navigate away and return later. A minimum number of consecutive nights of stay are required and blackout dates may apply, please refer to the offer terms associated with a given property for details. Any complimentary nights will be reflected at the time of booking; applicable taxes and fees for the complimentary nights will be removed at check-out. Bookings must be made using an eligible Card and must be paid using that Card, or another American Express® Card, in the eligible Card Member's name, and that Card Member must be traveling on the itinerary booked. Noon check-in, late check-out and the room upgrade are subject to availability; certain room categories are not eligible for upgrade. The type of $100 credit and additional amenity (if applicable) varies by property; the $100 credit will be applied to eligible charges up to $100. To receive the $100 credit, the eligible spend must be charged to your hotel room. The $100 credit will be applied at check-out. Advance reservations are recommended for certain credits. Benefit restrictions vary by property. Benefits are applied per room, per stay (with a three-room limit per stay). Back-to-back stays booked by a single Card Member, Card Members staying in the same room or Card Members traveling in the same party within a 24-hour period at the same property are considered one stay and are ineligible for additional THC benefits (“Prohibited Action”). American Express and the Property reserve the right to modify or revoke the THC benefits at any time without notice if we or they determine, in our or their sole discretion, that you have engaged in a Prohibited Action, or have engaged in abuse, misuse, or gaming in connection with your THC benefits. Benefits cannot be redeemed for cash and are not combinable with other offers unless indicated. Benefits must be used during the stay booked. Any credits applicable are applied at check-out in USD or the local currency equivalent. Benefits, participating properties, and availability and amenities at those properties are subject to change. To be eligible for THC program benefits, your eligible Card Account must not be cancelled. For additional information, call the number on the back of your Card.

Seller of Travel

American Express Travel Related Services Company, Inc. is acting solely as a sales agent for travel suppliers and is not responsible for the actions or inactions of such suppliers. Certain suppliers pay us commission and other incentives for reaching sales targets or other goals and may provide incentives to our Travel Consultants. For more information visit  www.americanexpress.com/travelterms .

California CST#1022318; Washington UBI#600-469-694

Money blog: 'Should I top up my national insurance and could it really get me £6,000 extra?'

Welcome to the Money blog, your place for personal finance and consumer news and tips. Today's posts include a Money Problem on the benefits or otherwise of topping up your national insurance. Leave your problem or consumer dispute below - remember to include contact details.

Monday 19 August 2024 07:49, UK

• Energy bills to rise 9% this winter - forecast
• Kellogg's shrinks size of Corn Flakes

Essential reads

• Money Problem : 'Should I top up my national insurance and could it really get me £6,000 extra?'
• Couples on how they split finances when one earns more than other
• Best of the Money blog - an archive of features

Tips and advice

• All discounts you get as student or young person
• Save up to half price on top attractions with this trick
• Fines for parents taking kids out of school increasing

Ask a question or make a comment

By Jimmy Rice, Money blog editor

Every Monday the Money team answers your Money Problems or consumer disputes. Find out how to submit yours at the bottom of this post. Today's question is...

I'm 62 and have 10 years of gaps in my national insurance record as I worked for my parents' import business without a fixed wage during most of my twenties and thirties, and had periods of unemployment in my fifties. What are the benefits of topping up before I retire in a few years and can I really get £6,000 added to my pension for every £900 I put in? Tony, Palmers Green

This is a question many people approaching retirement will be asking themselves, Tony.

First, it's worth us outlining why your national insurance record matters and who can top up.

If you reached pension age after 6 April 2016 you need 10 years of NI contributions to get a state pension - and 35 years to get the full £221.20 a week. Before that 2016 date, it's 30 years.

People may have gaps in their record for numerous reasons including: being unemployed, on a low income, self-employed, having worked abroad, or having taken a break from work to raise a family.

Ordinarily, you can pay voluntary contributions for the past six years - but currently there's an extended period meaning a man born after 5 April 1951 or a woman born after 5 April 1953 can pay voluntary contributions to make up for gaps between April 2006 and April 2016.

The deadline for this is 5 April 2025.

How much could topping up earn you?

It would cost £907.40 to cover all NI contributions from the 2023-24 tax year - each year is different but this is a good guide. Going back to your question, if you went on to enjoy 20 years of retirement, you would get back £6,000. It would take just three years to get your £907.40 back.

Who might want to think twice?

Just to stress, as always, that this post is not intended as financial advice. Instead, we're outlining things you should think about.

The first thing anyone should consider is if they'll fill gaps naturally through working - in which case there'd be no point topping up. Given your age, Tony, it could be an option for you - but check your state pension forecast  here .

There are lots of other things to factor in and you should seek independent financial advice.

Wealth management firm  Charles Stanley  says a key consideration is whether a higher pension would either:

• Drag you into paying tax when you retire;
• Mean you no longer qualify for certain benefits.

"You might not benefit from the full amount of extra money as some will be taken in income tax," they say.

"In addition, boosting state pension income can affect entitlements to means-tested benefits. Notably, if you claim pension credit, which tops up the income of very low earners over state pension age, any increase in the state pension would normally reduce an award. This often means that you would be no better off paying voluntary contributions."

Another consideration - and this isn't something most people want to contemplate - is that if you don't think you'll live long enough into retirement (you might be in ill-health or have a terminal illness) to benefit from topping up, then it's probably not worth it.

People should also look into whether they could transfer contributions from their spouse or civil partner .

One more way to top up

Which? advises: "Ensure that you are getting any NI credits you are entitled to before contemplating paying voluntary NI contributions for a particular year. 

"These are free and will apply, say, if you are caring for a child in the family as a parent or grandparent, claiming statutory sick pay or looking after a sick/disabled person."

If you're below state pension age, you can contact the Future Pension Centre to see if you'll benefit from topping up - they're on 0800 731 0175. If you already claim the state pension, call the Pension Service on 0800 731 0469.

Again, before taking any action you should seek independent financial advice.

If you do decide to top up, you'll need a Government Gateway account.

On there, you can see gaps, the cost of filling them and how much you could benefit - you can then pay online.

This feature is not intended as financial advice - the aim is to give an overview of the things you should think about. Submit your dilemma or consumer dispute via:

• The form above - you need to leave a phone number or email address so we can contact you for further details;
• Email [email protected] with the subject line "Money blog";
• WhatsApp us here.

Winter energy bills are projected to rise by 9%, according to a closely watched forecast.

The price cap from October to December will go up to £1,714 a year for the average user, Cornwall Insight says.

It would be a £146 rise from the current cap, which is controlled by energy regulator Ofgem and aims to prevent households on variable tariffs being ripped off.

The cap doesn't represent a maximum bill. Instead it creates an average bill by limiting how much you pay per unit of gas and electricity, as well as setting a maximum daily standing charge (which all households must pay to stay connected to the grid).

Ofgem will announce the October cap this Friday.

"This is not the news households want to hear when moving into the colder months," said the principal consultant at Cornwall, Dr Craig Lowrey.

"Following two consecutive falls in the cap, I'm sure many hoped we were on a steady path back to pre-crisis prices. 

"However, the lingering impact of the energy crisis has left us with a market that's still highly volatile and quick to react to any bad news on the supply front.

"Despite this, while we don't expect a return to the extreme prices of recent years, it's unlikely that bills will return to what was once considered normal. Without significant intervention, this may well be the new normal."

Cornwall Insight warned that the highly volatile energy market and unexpected global events, such as the recent escalating tensions in the Russia-Ukraine war, could see prices rise further at the start of the new year.

To avoid this vulnerability, Cornwall Insight said domestic renewable energy production should increase and Britain should wean itself off energy imports.

Kellogg's appears to have shrunk its packets of Corn Flakes. 

Two of its four different pack sizes have reduced in weight by 50g, according to The Sun. 

What used to be 720g boxes are now 670g, while 500g boxes have become 450g. 

The newspaper says the 670g boxes are being sold for £3.20 in Tesco - the same price customers were paying for the larger box back in May. 

The 450g boxes are being sold for £2.19, only slightly less than the previous price of £2.25.

Other supermarkets have similar pricing, although in Morrisons the price has gone down in proportion to the size reduction.

The 250g and 1kg pack sizes remain unchanged. 

Kellogg's has said it is up to shops to choose what they charge, but Tesco said the manufacturer should comment on pricing. 

Sky News has contacted Kellogg's for comment.

A spokesperson is quoted by The Sun: "Kellogg's Corn Flakes are available in four different box sizes to suit different shopper preferences and needs. 

"As the cost of ingredients and production processes increase, it costs us more to make our products than it used to.

"This can impact the recommended retail price. It's the grocer's absolute discretion and decision what price to charge shoppers."

WHSmith has launched a café brand as it seeks to expand into the food-to-go market.

The first café is in Princess Anne Hospital in Southampton and offers teas and coffees, hot breakfasts and pastries

Its branding is the same as the Smith Family Kitchen food-to-go range launched three months ago.

WHSmith UK travel managing director Andrew Harrison said: "Whether it's in a hospital or on their journeys, customers tell us that quality food and drink options are what they prioritise most in the different locations we serve.

"That's why we have been doubling down on our food ranges and formats to ensure our customers don't need to compromise on quality or value, as demonstrated today with the launch of Smith's Kitchen."

Thanks for popping into Money, our live blog for consumer and personal finance news and tips, as we kick off a new week. Here are five reasons to pop back over the coming days...

Topping up your national insurance

Coming up this morning is this week's Money Problem , focusing on a question from reader Tony, in Palmers Green, who wants to know if he could really add £6,000 to his retirement pot with a £900 top-up to his national insurance.

Bring back Spangles

Thousands of you have got involved in our Bring It Back series in the last few weeks, suggesting the old-school sweets or treats that you'd love to see revived. This week, published first thing tomorrow, we're looking at a classic that's been mentioned time and again in our comments section - Spangles. We'll be hearing what Mars had to say about a potential return.

Why should you pay with credit card?

We'll also take a deeper dive into one of the most common pieces of consumer advice: that you should try to pay on credit card for big purchases. Why do you get extra protection, how does it work and what is and isn't covered - we'll have all the answers in Tuesday's Basically .

Yorkshire pudding secrets from top Yorkshire chef in Cheap Eats

Anyone who makes their own Yorkshire puddings - or wants to - should check back on Wednesday morning as one of Yorkshire's top chefs, James Mackenzie from the Michelin-starred Pipe and Glass in South Dalton, picks his Cheap Eats in East Yorkshire and at home - revealing his secrets for perfect/huge Yorkies, including a common mistake many people make.

Everything to know about savings and mortgages

Every Thursday we hear from Savings Champion founder Anna Bowes, who offers some advice for making the most of your spare cash and reveals the best rates on the market right now. Then on Fridays we do similarly with mortgages, hearing from industry experts on what anyone seeking to borrow needs to know at the minute before rounding up the best rates with the help of the guys from Moneyfacts.

We've got lots of others tips and features planned for this week, so bookmark  news.sky.com/money  and check back from 7am each weekday - or 8am on Saturday for our weekend feature.

The Money blog is produced by the Sky News live team, with contributions from  Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young, Ollie Cooper and Mark Wyatt, with sub-editing by Isobel Souster. It is edited by Jimmy Rice.

By Emily Mee , news reporter

Openly discussing how you split your finances with your partner feels pretty taboo - even among friends.

As a consequence, it can be difficult to know how to approach these conversations with our partner or what is largely considered fair - especially if there's a big imbalance salary-wise. 

Research by Hargreaves Lansdown suggests in an average household with a couple, three-quarters of the income is earned by one person. 

Even when there is a large disparity, some couples will want to pay the same amount on bills as they want to contribute equally. 

But for others, one partner can feel resentful if they are spending all of their money on bills while the other has much more to spend and is living a different lifestyle as a result. 

At what stage of the relationship can you talk about money?

"We've kind of formally agreed there is some point in a relationship you start talking about kids - there is no generally agreed time that we start talking about money," says Sarah Coles, head of personal finance at Hargreaves Lansdown. 

Some couples may never get around to mentioning it, leading to "lopsided finances". 

Ms Coles says if you want to keep on top of finances with your partner, you could set a specific date in the year that you go through it all. 

"If it's in the diary and it's not emotional and it's not personal then you can properly go through it," she says.

"It's not a question of 'you need to pull more weight'.  It's purely just this is what we've agreed, this is the maths and this is how we need to do that."

While many people start talking about finances around Christmas, Ms Coles suggests this can be a "trying time" for couples so February might be a "less emotional time to sit down". 

How do you have the conversation if you feel the current arrangement is unfair?

Relationship counsellor at Relate , Peter Saddington, says that setting out the balance as "unfair" shouldn't be your starting point. 

You need to be honest about your position, he says, but your conversation should be negotiating as a couple what works for both of you. 

Before you have to jump into the conversation, think about: 

• Letting your partner know in advance rather than springing it on them;
• Making sure you and your partner haven't drunk alcohol before having the conversation, as this can make it easy for it to spiral;
• Having all the facts to hand, so you know exactly how much you are spending;
• Using 'I' statements rather than 'you'. For example, you could say to your partner: "I'm really worried about my finances and I would like to sit down and talk about how we manage it. Can we plan a time when we can sit down and do it?"

Mr Saddington says if your partner is not willing to help, you should look at the reasons or question if there are other things in the relationship that need sorting out. 

If you're having repeated arguments about money, he says you might have opposite communication styles causing you to "keep headbutting". 

Another reason could be there is a "big resentment" lurking in the background - and it may be that you need a third party such as a counsellor, therapist or mediator to help resolve it. 

Mr Saddington says there needs to be a "safe space" to have these conversations, and that a third party can help untangle resentments from what is happening now. 

He also suggests considering both of your attitudes to money, which he says can be formed by your early life and your family. 

"If you grew up in a family where there wasn't any money, or it wasn't talked about, or it was pushed that you save instead of spend, and the other person had the opposite, you can see where those conversations go horribly wrong. 

"Understanding what influences each of you when it comes to money is important to do before you have significant conversations about it."

What are the different ways you can split your finances?

There's no one-size-fits-all approach, but there are several ways you can do it - with Money blog readers getting in touch to let us know their approach...

1. Separate personal accounts - both pay the same amount into a joint account regardless of income

Paul Fuller, 40, earns approximately £40,000 a year while his wife earns about £70,000. 

They each have separate accounts, including savings accounts, but they pay the same amount (£900) each a month into a joint account to pay for their bills. 

Paul says this pays for the things they both benefit from or have a responsibility for, but when it comes to other spending his wife should be able to spend as she likes. 

"It's not for me to turn around to my wife and expect her to justify why she thinks it's appropriate to spend £150 in a hairdresser. She works her backside off and she has a very stressful job," he says. 

However, their arrangement is still flexible. Their mortgage is going up by £350 a month soon, so his wife has agreed to pay £200 of that. 

And if his wife wants a takeaway but he can't afford to pay for it, she'll say it's on her.

"Where a lot of people go wrong is being unable to have those conversations," says Paul.

2. Separate personal accounts - whoever earns the most puts more into a joint account

This is a more formal arrangement than the hybrid approach Paul and his wife use, and many Money blog readers seem to do this in one form or another judging by our inbox.

There's no right or wrong way to do the maths - you could both put in the same percentage of your individual salaries, or come up with a figure you think is fair, or ensure you're both left with the same amount of spending money after each payday.

3. Everything is shared

Gordon Hurd and his wife Brenda live by their spreadsheet. 

Brenda earns about £800 more a month as she is working full-time while Gordon is freelance. Previously Gordon had been the breadwinner - so it's a big turnaround.

They each have separate accounts with different banks, but they can both access the two accounts. 

How much is left in each account - and their incomings and outgoings - is all detailed in the spreadsheet, which is managed weekly. 

Whenever they need to buy something, they can see how much is left in each account and pay from either one. 

Gordon says this means "everyone knows how much is available" and "each person's money belongs to the other". 

"We have never in the last decade had a single disagreement about money and that is because of this strategy," he says.

Money blog reader Shredder79 got in touch to say he takes a similar approach. 

"I earn £50k and my wife earns just under £150k. We have one joint bank account that our wages go into and all our outgoings come out of. Some friends can't get their head around that but it's normal for us."

Another reader, Curtis, also puts his wages into a joint account with his wife. 

"After all, when you have a family (three kids) it shouldn't matter who earns more or less!" he says. 

Reader Alec goes further and says he questions "the authenticity of any long-term relationship or the certainly of a marriage if a couple does not completely share a bank account for all earnings and all outgoings". 

"As for earning significantly more than the other, so what? If you are one couple or long-term partnership you are one team and you simply communicate and share everything," he says. 

"Personally I couldn't imagine doing it any other way and I do instinctively wonder what issues or insecurities, whether it be in trust or something else, sit beneath the need to feel like you need to keep your finances separate from one another, especially if you are a married couple." 

A reader going by the name lljdc agrees, saying: "I earn half of what my husband does because I work part-time. Neither of us has a solo account. We have one joint account and everything goes into this and we just spend it however we like. All bills come out of this too. Sometimes I spend more, sometimes he spends more."

4. Separate accounts - but the higher earner pays their partner an 'allowance'

If one partner is earning much more than the other, or one partner isn't earning for whatever reason, they could keep separate accounts and have the higher earner pay their partner an allowance. 

This would see them transfer an agreed amount each week or month to their partner's account.

Let us know how you and your partner talk about and split finances in the comments box - we'll feature some of the best next week

The centre-point of a significant week in the economy was inflation data, released first thing on Wednesday, that showed price rises accelerated in July to 2.2%.

Economists attributed part of the rise to energy prices - which have fallen this year, but at a much slower rate than they did last year. 

As our business correspondent Paul Kelso pointed out, it felt like the kind of mild fluctuation we can probably expect month to month now that sky high price hikes are behind us, though analysts do expect inflation to tick up further through the remainder of the year...

Underneath the bonnet, service inflation, taking in restaurants and hotels, dropped from 5.7% to 5.2%.

This is important because a large part of this is wages - and they've been a concern for the Bank of England as they plot a route for interest rates.

On Tuesday we learned average weekly earnings had also fallen - from 5.7% to 5.4% in the latest statistics.

High wages can be inflationary (1/ people have more to spend, 2/ employers might raise prices to cover staff costs), so any easing will only aid the case for a less restrictive monetary policy. Or, to put it in words most people use, the case for interest rate cuts.

Markets think there'll be two more cuts this year - nothing has changed there.

Away from the economy, official data also illustrated the pain being felt by renters across the UK.

The ONS said:

• Average UK private rents increased by 8.6% in the 12 months to July 2024, unchanged from in the 12 months to June 2024;
• Average rents increased to £1,319 (8.6%) in England, £748 (7.9%) in Wales, and £965 (8.2%) in Scotland;
• In Northern Ireland, average rents increased by 10% in the 12 months to May 2024;
• In England, rents inflation was highest in London (9.7%) and lowest in the North East (6.1%).

Yesterday, we found the UK economy grew 0.6% over three months to the end of June. 

That growth rate was the second highest among the G7 group of industrialised nations - only the United States performed better with 0.7%, though Japan and Germany have yet to released their latest data.

Interestingly, there was no growth at all in June, the Office for National Statistics said, as businesses delayed purchases until after the general election.

"In a range of industries across the economy, businesses stated that customers were delaying placing orders until the outcome of the election was known," the ONS said.

Finally, a shout for this analysis from business presenter Ian King examining what's gone wrong at Asda. It's been one of our most read articles this week and is well worth five minutes of your Friday commute or weekend...

We're signing out of regular updates now until Monday - but do check out our weekend read from 8am on Saturday. This week we're examining how couples who earn different amounts split their finances.

Each week we feature comments from Money blog readers on the story or stories that elicited most correspondence.

Our weekend probe into the myriad reasons for pub closures in the UK prompted hundreds of comments.

Landlords and campaigners, researchers and residents revealed to Sky News the "thousand cuts" killing Britain's boozers - and what it takes to survive the assault.

Here was your take on the subject...

I've been a publican for 19 years. This article is bang on! It's like you've overheard my conversations with my customers - COVID, cost of living, wages - the traditional British boozer going out of fashion. (My place: no food, no small children). Hey Jood

I own a small craft ale bar or micropub as some say. The current climate is sickening for the whole hospitality sector. This summer has been ridiculously quiet compared to previous ones. Micropubs were on the rise pre-COVID, but not now even we're struggling to survive… Lauren

I am an ex-landlord. It's ridiculous you can buy 10 cans for £10 or one pint for £5 now. It's not rocket science, it's a no-brainer: reverse the situation. Make supermarket beer more expensive than pub beer, then people will start to go out and mix again rather than getting drunk at home. Ivanlordpeers

Bought four pints of my regular drink at a supermarket for less than one pint in our local pub. It's becoming a luxury to go to a pub these days. Torquay David

Traditional pubs are being taken over by conglomerates who don't sell traditional beer, only very expensive lager, usually foreign, and other similar gassy drinks. How can they be called traditional pubs? Bronzestraw

The main reason for pubs closing is twofold! 1: The out-of-reach rents that the big groups charge landlords. 2: Landlords are told what stock they can hold and restrict where they can purchase it from. Strange, but most pubs belonged to the same groups! A pub-goer

Less pubs are managed now, pub companies are changing them to managed partnerships, putting the pressure onto inexperienced young ex-managers. Locals complain that their local pub has gone. but they don't use them enough. Can government regulate rents and beer prices for business owners? John Darkins

I was a brewery tenant in Scotland for many years and sequestrated because of the constant grabbing at my money by greedy brewers who wanted more and more. I made my pub very successful and was penalised by the brewery. James MacQuarrie 

The only reason pubs are closing is locals only use them on Boxing Day, New Year's Eve, and one Sunday a year. Plus breweries don't need pubs, they sell enough through supermarkets! Use them or lose them. Peter Smith

The closing of pubs is a terrible shame. I still go to my local and have great memories of getting drunk in many in my hometown. They are important places in society. As someone once said: "No good story ever started with a salad." Kev K

It's the taxman killing pubs. £1 of every £3 sold. Utter disgrace. Stef

I go with my girlfriend, Prue, every day to my local. It's a shame what's happening to prices. It used to be full of people and joy but now it's a ghost town in the pub since prices are too high now. I wish we could turn back time and find out what went wrong. Niall Benson

Minimum wage is around £11 and the tax threshold is £12,600 per year. How can you possibly afford a night in a pub out when a pint costs between £3 and £8 a pint on those wages? Allan7777blue

Unfortunately, the very people who have kept these establishments going over the years (the working man) have been priced out, and they're paying the price. Dandexter

The pubs are too expensive for people to go out regularly as we once did a decade or so ago. People's priorities are on survival, not recreation. Until the living wage increases beyond an inflation that wages haven't risen above in years, then we will see shops, pubs, etc. close JD

Who wants to spend hard-earned money going into a pub that's nearly always empty. It takes away one of the main attractions - socialising. Michael

Monzo has been named the best bank in the UK for customer satisfaction, according to a major survey. 

More than 17,000 personal current account customers rated their bank on the quality of its services and how likely they would be to recommend to friends or family. 

Digital banks made up the top three, with Monzo coming out on top, followed by Starling Bank and then Chase. 

Some 80% of Monzo customers said they would recommend the bank. 

The digital banking app said topping the tables "time and time again" was not something it would "ever take for granted". 

Royal Bank of Scotland (RBS) was bottom of the ranking for another year. 

The banks with the best services in branches were Nationwide, Lloyds Bank and Metro Bank. 

Gail's bakery chain has come under fire for repurposing unsold pastries into croissants and selling them for almost £4 the next day.

The retailer lists the "twice baked" chocolate almond croissants as part of its "Waste Not" range, which means it is made using leftover croissants that are then "topped with almond frangipane and flaked almonds".

The scheme has been hit with criticism online, with many pointing out the £3.90 price tag is 95p more than the original croissant.

One X user said: "The audacity of bragging about it being part of their 'Waste Not' range like we should be grateful to them and proud of ourselves for contributing to reducing food waste when they could just sell it for less money – not one pound more than yesterday.

"Unsure whether to be impressed or horrified that someone has come up with a concept to capitalise on yellow sticker goods to make more profit."

It should be added, however, that the practice was not invented by Gail's - and almond croissants were originally created by French boulangeries to reuse day-old croissants and stop them going stale.

When factoring in the extra ingredients (almond frangipane and flaked almonds) and baking time, the bakery chain would likely defend the increased price by pointing to the additional costs incurred.

It comes as locals in a trendy London neighbourhood signed a petition against a Gail's bakery setting up shop in their area.

After (unconfirmed) rumours began circulating that the chain was looking to open a site in Walthamstow village, more than 600 have signed a petition opposing the plans.

The petition says the village "faces a threat to its uniqueness" should Gail's move into the area (see yesterday's 11.54am post for more).

Gail's has been contacted for comment.

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