Grade A — Highly protective (score 93/100)
American Express provides standard financial terms that avoid forced arbitration and class action waivers, though they reserve the right to modify terms without direct user notification.
Standard financial terms. No forced arbitration. Unilateral changes allowed.
American Express reserves the right to revise these Terms of Service at any time and users are deemed to be apprised of and bound by any changes... Your continued use of the Sites after that date constitutes your agreement to the revised modified Terms of Service.
They can change the rules at any time without emailing you; simply using the site after they update the date on the page means you agree to the new terms.
YOU AGREE THAT AMERICAN EXPRESS... WILL NOT BE LIABLE... FOR ANY DIRECT, PUNITIVE, SPECIAL, CONSEQUENTIAL, INCIDENTAL OR INDIRECT DAMAGES... EVEN IF AMERICAN EXPRESS IS MADE AWARE OF THE POSSIBILITY OF SUCH DAMAGES.
The company disclaims liability for almost all types of damages, even if they knew the damage was possible.
Postings by a user on any message board or in any chat room will not be protected as confidential and American Express may use and provide information contained in any such postings... for any purpose whatsoever.
Anything you post on their message boards is not confidential and they can use it for any purpose.
Users of this Sites agree to submit to the laws of the State of New York, USA and applicable federal law.
Legal disputes must be resolved under New York law.
Last reviewed 2026-07-25 under rubric v3.5.