Your Mastercard is moving to the American Express Network

We're pleased to let you know that your business card program is moving to American Express. Here's what's changing and what remains unchanged.

What to expect

Primary account holder (Owner)

• You'll receive an official email notice with the details specific to your account, including what's changing and when.

Everyone on the account with a card (Owner, Admins, and Members)

• Physical Card: You will be notified when your new American Express card has shipped. After the primary account holder verifies their business information, authorized users can activate their American Express card and start making purchases. See Activate a credit card.
• Virtual Card: You’ll need to convert it in the online portal. See Convert your Mastercard virtual card to an American Express virtual card.

What remains unchanged

You log in the same way, and you keep:

• Your line of credit and current balance
• Your Annual Percentage Rate (APR)
• Your cash back rewards balance, carry over to the American Express card
• Your payment setup, including AutoPay, bank account settings, and billing due dates
• Your transaction and statement history, including your Quickbooks Online integration
• Your team members’ role and card budget configuration.
• Your settings, including notification preferences and password.

What's changing

• New cards. All cards on your account will be replaced. Including, all employees’ cards; physical and virtual. They will feature a new card number, expiration date, CVV security code, and updated look. Any configuration in your online portal, card name or card budget, remains unchanged.
• A new set of legal documents. The official notice sent to the primary account holder includes links to the updated Card Agreement and other documents that are changing. Please review each new document. All updated documents will be available in your legal & account documents.
• New protection benefits. Your Amex insurance coverage will include Extended Warranty, Emergency Assistance, Travel Accident Insurance, Trip Cancellation, and more. For complete details, please review the Amex Insurance Terms and Conditions that will be available in your legal & account documents.
• Auto-redemption is ending. Automatic redemption of rewards for a statement credit will no longer be available. Your rewards balance will not be affected. Going forward, you’ll simply need to log in periodically to redeem your rewards.

The list above is a short overview of the changes. The primary account holder will receive an official notice that includes all important changes regarding the account.

What's required before you can use your new card(s)

The primary account holder must complete the following steps before the new American Express card(s) can be activated.

1. Review the official notice when it arrives. It includes links to the new Card Agreement and other updated legal documents.
2. Confirm that the business information is up to date.
1. Log in to your online portal
2. Click the Review Information button located on your main Account page.

3. Confirm your information is up-to-date, or Update your business information if required. Upon the transition of the program, your account is subject to your new Card Agreement and Rewards Terms and Conditions
3. When your card(s) arrive:
1. Activate your new card.
2. Update your card details wherever they're saved. Subscriptions, suppliers, anything on auto-pay. They'll all need the new number. Payments using the old number will be declined.

And that’s it!

FAQ

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