American Express® Cash Rewards

Ameris Bank American Express credit card offers a rewards program that can offer cash back and much more. Collect cash rewards for things you buy most - gas and groceries. Or pile up big-time bonus points when you eat out or fly somewhere fun - points you can redeem for travel rewards, gift cards, cash back and name-brand merchandise.


  • Two rewards cards to choose from
  • Rewards points
  • Cash back

Play your cards right

Earn Rewards1

Premier Rewards American Express® Card

It's the premier rewards card - earn rewards on restaurant, airline, gas station and other eligible purchases.

  • 4 points per $1 spent on eligible net restaurant purchases.1
  • 3 points per $1 spent on eligible net airline purchases.
  • 2 points for every $1 spent on eligible net gas station purchases.
  • 1 point for every $1 spent on all other eligible net purchases.
  • No caps or limits on the points you can earn, plus you have five years to redeem points for rewards.2
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 months (worth $100 Cash Back).3
  • Zero Fraud Liability4
  • No Foreign Transaction Fees

Learn more

Apply Now

 

Earn Cash Back6

Cash Rewards American Express Card®5

Receive a cash award for your very first purchase and the cash rewards don't stop.

  • 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.6
  • 2% cash back on supermarket net purchases.
  • 1% cash back on other everyday net purchases.
  • No limit on total cash back that you can earn, and you have five years to redeem cash back.7
  • $25 cash back reward bonus after first purchase.8
  • Zero Fraud Liability9

Learn more

Apply Now

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Ameris Bank is a full-service financial institution serving customers in the Southeast and Mid-Atlantic, with locations in Alabama, Florida, Georgia, Maryland, North Carolina, South Carolina, Tennessee and Virginia.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from American Express. American Express is a federally registered service mark of American Express.

All credit cards are subject to credit approval.

1 Premier Rewards Card Points: You will earn 1 Reward Point ("Point") for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: service stations or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant.

2The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy or death).

3Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only within seven business days or as a statement credit to your credit card account within one to two billing cycles. If you're approved for a new Premier Rewards American Express Card, one-time bonus points will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus points to be credited to your account.

4Elan Financial Services provides Zero Fraud Liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

5The introductory rate does not apply to cash advances. Balance Transfer fee of 3% of each transfer amount, $5 minimum will apply. We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

We may change APRs, fees and other account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

6Rewards points: You will earn 1 reward point ("Point") for each dollar of eligible net purchases charged to your account during each billing cycle. Net purchases are purchases minus credits and returns. You will also earn 1 additional point (for a total of 2 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code of supermarkets. The number of additional points earned on supermarket purchases is unlimited. In addition, you will earn 2 additional points (for a total of 3 points) for each dollar of net purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12 month period commencing on the anniversary date of this account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12 month period) will earn at a rate of 1 point for each dollar of net purchases charged to your account during each billing cycle. Merchants are assigned category codes by American Express based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not in an eligible category. We do not determine the category codes that merchants are assigned, but we do reserve the right to determine which purchases qualify for additional points. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will not earn additional points. A purchase may not earn additional points if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet to make the purchase. The number of points that may accumulate in any monthly billing cycle for your account is unlimited.

7The Elan Rewards Program is subject to change. Points expire five years from the end of the quarter in which they are earned.

8Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution only or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. Monthly net purchase bonus points will be applied each billing cycle. Net purchases are purchases minus credits and returns.

9Elan Financial Services provides Zero Fraud Liability for authorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.