American Express Travel Related Services Company, INC.
4 cardholder agreements · 2.0 MB
- Starting score100
- Forced arbitration (opt-out available)-12
- Class-action waiver-12
- Fair Terms score76 · grade B
See the exact wording behind each below.
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You can opt out of this issuer's forced arbitration
deadline ≈ 45 daysAmerican Express Travel Related Services Company, INC.'s agreement lets you reject arbitration and keep your right to sue — usually within 45 days of opening the account. You have to send it in writing. Here's the language from the filed agreement:
“…mplaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase. See Your Right to Reject Arbitration below. For this section, you and us includes any corporate parents, subsidiaries, affiliates or related persons or entities. Claim means any current or future claim, dispute or controversy relating to your Account(s), this Agreement, or any agreement or relationship you have or had with us, except for the validity, enforceability or scope of the Arbitration provision. Claim includes but is not limited to: (1) initial claims, counterclaims, crossclaims and third-party claims; (2) claims based upon contract, tort, fraud, statute, regulation, common law and equity; (3) claims by…”
Read the exact mailing address in the clause above, then use our opt-out letter template and full guide →
Contract X-Ray — what's buried in the fine print
2 red flags · 4 filed docsDetected in the CFPB-filed cardholder agreements from American Express Travel Related Services Company, INC.. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…solve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase. See Your Right to Reject Arbitr…”
You can't band together with other cardholders in a class action.
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“…ll have the right to litigate that claim in court or have a jury trial on that claim. Further, you and we will not have the right to participate in a representative capacity or as a member of any class pertaining to any claim subject to arbitration. Arbitration procedures are generally simpler than the rules that apply in…”
The contract lets you reject arbitration (usually within a short deadline) and keep your right to sue.
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“…solve a complaint to your satisfaction, this section explains how claims can be resolved through mediation, arbitration or litigation. It includes an arbitration provision. You may reject the arbitration provision by sending us written notice within 45 days after your first Card purchase. See Your Right to Reject Arbitration below. For…”
Checked & clear: Jury-trial waiver · Deferred interest · Change-anytime clause · Penalty APR
Cardholder agreements
Filed with the CFPB in the 2026 Q1 bulk submission. Opens the original PDF.