How to Get Hundreds or Thousands of Dollars Back from American Express

by | 27Feb2018 | Credit Cards, Servicemembers Civil Relief Act | 0 comments

Here is how I got $213.05 back from American Express (AMEX) due to the Servicemembers Civil Relief Act (SCRA). You can do the same thing.


Read an Article

It started when I read this article on In the article, it says that AMEX waives annual membership fees for active duty military service personnel. In addition, for the duration of your active duty military service, they will waive the following fees:

  • Annual membership fees
  • Overlimit fees
  • Late Payment fees
  • Returned Payment fees
  • Statement Copy Request fees


Contact AMEX

All you have to do is tell them you are serving on active duty military and ask them to handle your account in accordance with the Servicemembers Civil Relief Act. You do that on this website.

I did it on 20 JAN 2018 and they said they’d process my request within 60 days.



24 days later on 13 FEB 2018 I got an e-mail entitled, “Your Servicemembers Civil Relief Act Inquiry.” It said:

They reduced the interest rate on my SCRA eligible balance (not future purchases) to an Annual Percentage Rate (APR) of 0.00% per year. (This doesn’t matter to me since I never carry a monthly balance.) To do this they┬áissued a credit for my existing balance of $4,723.76 that then showed up as a debit a few days later. In addition, they refunded some fees that totaled $213.05:

In addition to giving me $213.05 back, they suppressed the following fees for the duration of my active military service:

  • Annual Membership fees
  • Overlimit fees
  • Late Payment fees
  • Returned Payment fees
  • Statement Copy Request fees


The Bottom Line

I got $213.05 back by doing this, but there are stories of people getting thousands of dollars back. Have fun!


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