platinum international dollar card

Express Cash is a service for American Express Members, that allows you to use your Charge Card to withdraw cash from your designated bank account in more than 500,000 participating ATM locations worldwide in an easy and secure way. Explore a curated selection of the latest virtual experiences that you can access from the comfort of your home. All rights reserved. first year, the annual fee for the Basic Card will be US$300. Please review. Currently, there are close to two dozen travel loyalty programs available. Noon check-in and room upgrade are based on availability and are provided at check-in. All rights reserved. Music, theatre or cultural experiences? Purchases madethrough a third-party payment account or on an online marketplace (withmultiple retailers) will not qualify for additional points. For additional information about this feature, please call 1-800-CASH-NOW. Platinum Travel Assistance is underwritten by AXA Assistance US.A USA. Other benefits: Earn 3 miles per $1 spent on eligible Alaska Airlines purchases, 2 miles per dollar on eligible gas, shipping and local transit including rideshare purchases, 1 mile on everything else. Merchants areassigned codes based on what they primarily sell. With Card Lock, some activity may continue, including returns, credits, payments, interest, dispute adjustments, other account fees, purchase transactions during system downtime and certain . Cardholders will earn 5 Membership Rewards points per dollar on flights and prepaid hotels through American Express Travel, 1.5 points per dollar on eligible purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software and cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year and 1 point per dollar on other eligible purchases. It's quick and easy. Make everyday purchases more rewarding with Amex Offers. Enjoy! Purchasing power adjusts with your use of the Card, your payment history, credit record and financial resources known to us, and other factors. Well even upgrade your room at check-in if theres one available. The annual fee is steep at $695. Anywhere in the world, you will always be able to communicate with Customer Services, where a highly qualified team of representatives will be available 24 hours a day, 7 days a week, to assist you in all your needs, in English, Spanish and Portuguese. I dont see any lifetime language in the terms, so I wonder if its churnable? She explores these topics and others in, NerdWallet's monthly credit card tips column. First checked bag free for cardholder and up to 8 traveling companions on your reservation. The annual fee on the Citi / AAdvantage Platinum Select World Elite Mastercard $0 intro for the first year, then $99 is about typical for this type of airline card. For more analysis, read NerdWallet's comparison of American Airlines credit cards. Cardholders with sizable balances will also receive annual statement credits: $100 if your qualifying Schwab holdings are at least $250,000 or $200 in statement credits for million dollar holdings. For example, purchases made at a restaurant located within a hotel may be recognized as a purchase at ahotel, not a restaurant. arestaurant inside a hotel, casino, or event venue). That could translate into savings of several hundred dollars. Eligible purchases are purchases forgoods and services minus returns and other credits. As a result, they might hold the card more as a membership card than a credit card to use for daily purchases. DISCOVER ALL THE BENEFITS DELTA SKYMILES PLATINUM AMERICAN EXPRESS CARD LIMITED-TIME OFFER Earn 90,000 bonus miles after you spend $4,000 in eligible purchases on your new Card in the first 6 Months. Its free checked bags, early boarding, double-miles categories and ability to earn loyalty points can help make up for the annual fee. Find out if you're pre-approved with no risk to your credit score. It doesnt offer free checked bags, but it does earn rewards. We will only recommend the products that we believe are the best fit for you, the consumer. Cardmember should not accept the insurance CDW offered by the rental company. NerdWallet strives to keep its information accurate and up to date. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. Not only does it impact the incidental fee credit but it also impacts a unique feature of this card. Film, fine dining or fashion? Coverage is determined by the Terms, Conditions, and Exclusions of policy 58US3760 and is subject to change with notice. A purchase will not qualifyfor additional points if the merchant's code is not eligible. With 24 hour-a-day access, you can check your current billed balance, recent charges, pay your bill and view your Membership Rewards points. In 2022, American Airlines revamped the process to earn elite status. Debit Card Naira Credit Card USD Credit Card Prepaid Card Get in touch with us You can reach us at any time via the following channels Phone: 0700CallAccess The American Express Platinum International Dollar card is currently offering a sign up bonus of 100,000 Membership Rewards after spending US$10,000 in the first three months. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If youre a frequent American Airlines flyer, the. Sign-up bonus: Earn 50,000 American Airlines AAdvantage bonus miles after you spend $2,500 in purchases within the first 3 months of account opening. Its packed with benefits and features that appeal to discerning travelers as highlighted above. And, like free checked bags, the privilege applies to up to four others on your reservation. Download the AMEX Experiences App to view all available events. Our star ratings serve as a general gauge of how each card compares with others in its class, but star ratings are intended to be just one consideration when a consumer is choosing a credit card. If you want to cancel an additional Card members right to use your Account (and cancel their Card) you must tell us. Charles Schwab High Yield Investor Checking. *Not valid for restaurants located within another establishment. Music, theatre or cultural experiences? You can also download your information to print or save for a later date in PDF or Excel. First checked bag free for cardholder and up to 4 traveling companions on your reservation. Get the most out of life. We may report additional Card Members use of your Account to credit reporting agencies. As of 2021, card members can receive up to $300 annually in statement credits toward select Equinox fitness memberships or on the Equinox+ digital fitness app, when you pay with your card. *Average value based on Fine Hotels & Resorts bookings in 2021 for stays of two nights. The use of the Platinum Travel Assistance Service implies that the basic Card member and/or Beneficiary understands and accepts the following General Conditions. Offer ends 3/29/23. $250 Annual Fee Offer terms Rates & Fees DISCOVER ALL THE BENEFITS Delta SkyMiles Reserve American Express Card * Depending on the case, different coverage may apply. So dine on and start accumulating points that you can redeem for your next vacation, or to continue your gastronomical journey.. Like all three personal cards, the Business Platinum comes with generous travel benefits including airline lounge access, statement credits toward CLEAR memberships and up to $200 in statement credits toward airline incidental fees on an eligible airline you chose each year. There is no additional fee for Additional Cards. The annual fee for 6 or more Additional Cards is US$65 for each Card. Advance reservations are recommended for services such as spa, dining or golf in order to take advantage of the Fine Hotels + Resorts special amenity during your stay. 2.- American Express There are no limits to how many points you can earn and they do not expire. The coverage provided by AXA Assistance is restricted to emergent situations that arise directly and independently of all other causes, resulting in external bodily injury, of violent and/or accidental means or of a medical condition which is sudden, unanticipated and urgent which requires immediate medical or surgical evaluation or treatment to provide relief of acute pain and suffering. Chase Sapphire Preferred Card: Best value for the annual fee. Platinum: 75,000 Loyalty Points. Because we know your time is valuable, weve made it easy to manage your Account online, however if you have an additional need, please contact the number on the back of your Card at anytime. 1- MEMBERSHIP REWARDS This is a cost-effective pick for travelers who fly American Airlines regularly. *Available only to residents of certain countries within Latin America, Caribbean (excluding Puerto Rico and US Virgin Islands), Spain and Switzerland. Chase Sapphire Reserve: Best card for hotels abroad. AAA Credit Card | AAA Dollars Plus Visa Signature Benefits AAA Dollars Plus Visa Signature Card Earn cash back on your qualifying purchases: 3% on AAA purchases, travel and insurance, up to $8,000 spent annually 1 2% on gas station, grocery store, drug store and dining 2 1% everywhere else 2 Or redeem for other great options including: For every dollar you spend, you'll earn 1 loyalty point. These cards, as well as several others in the American Express portfolio, earn Membership Rewards on every purchase. If there is a fraudulent or incorrect charge on your statement, American Express will work with you to help resolve the issue. All rights reserved. Platinum Travel Assistance Program: The Travel Assistance services are provided by AXA Assistance, a division of the AXA Group, are given the name of Platinum Travel Assistance and are valid only for American Express International Dollar Platinum Card Members or the Additional Card Members. Making up that cost is easier to do if you typically check bags when traveling. The way we see it, youve earned them, so you should be able to use them however you want. Earning rewards points also get taken up a notch. This card earns double miles on American Airlines purchases and at gas stations and restaurants, and it makes flying less of a hassle with a free checked bag benefit and other perks. Something went wrong. MORE: How to choose an airline credit card. Card Details Must be a resident of Latin American, Caribbean, Spain and Switzerland Must have US$100,000 in assets in a US bank account and be a Non US resident See your Card Member Agreement for more information. They do not have accounts with us, but they can use your Account subject to the terms of this Agreement. During your travels, Express Cash gives you access to up to US$10,000 cash every 30 days. Pre-qualified offers are not binding. There are no limits to how many points you can earn and they never expire. No matter where your interests lie, By Invitation Only events are unique special opportunities to enjoy more of what you love. NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer Access|Licenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc. (CA resident license no. Easy and convenient, log into your account and click on the link Use points towards purchases, you will see which purchases are eligible. Are you already sharing The Platinum Card benefits with others? Available 24/7, contact the number on the back of your Card anytime.. It doesnt offer free checked bags, but it does earn rewards. Upon enrolllment, we will send you a Personal Identification Number (PIN). This document does not supplement or replace the policy. NerdWallet rating Apply Now on American Express' website It. Pre-qualified offers are not binding. You may change your PIN at any time. Purchases madethrough a third-party payment account or on an online marketplace (withmultiple retailers) will not qualify for additional points. ), Usually, the best redemption options for AAdvantage miles are award flights and seat upgrades on American and its Oneworld partners. AAdvantage Aviator Red World Elite Mastercard. Im also not sure if this is just the standard sign up bonus or if this is an increased offer, wayback machine didnt really seem to shed any light. [Sold Out] Wyndham Business Cardholders: Free Game Night Kit, (Update) Chase Increases Referral Bonus On INK Business Cards To 40,000 Points (200,000 Annual Limit), Chase Sapphire Reserve Extends Pay-Yourself-Back For Gas & Annual Fee Categories Through June (Grocery Ending? The Forbes Advisor editorial team is independent and objective. If on your trip you need to spend more than planned, you can do so with peace of mind because with your American Express Card you have no pre-set spending limit. First checked bag free for you and four companions on your reservation. 3. Requirements Limit one benefit package per room, per stay. A purchase will not qualifyfor additional points if the merchant's code is not eligible. Assigning Editor | Credit cards, credit scores. Its reward program focuses on travel benefits by offering 5x reward points on airfare and hotel bookings. We are pleased to offer you an opportunity to apply for The In order to apply for this card, you have to be a Schwab customer with an eligible account, which includes Schwab One, General Brokerage and select IRAs. 58US3775 and is subject to change with notice. *Average value based on Fine Hotels & Resorts bookings in 2021 for stays of two nights. OK92033) Property & Casualty Licenses, NerdWallet | 55 Hawthorne St. - 11th Floor, San Francisco, CA 94105, Citi AAdvantage Platinum Credit Card Review - NerdWallet. How To Find The Cheapest Travel Insurance, Global Entry and CLEAR fee credit reimbursements, Business Platinum Card from American Express. Her guidebook, Disney World Hacks, is a bestseller on Amazon. Available 24/7, contact the number on the back of your Card anytime. Past performance is not indicative of future results. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. The Hotel Collection includes hundreds of curated properties from trusted brands like Hyatt and Hilton Hotels. We're here to help 24/7. Quantitative features are those that boil down to dollars and cents, such as fees, interest rates, rewards (including earning rates and redemption values) and the cash value of benefits and perks. The Platinum Card now gives you two points for every eligible dollar spent in restaurants within the U.S. Use Membership Rewards points for travel, lifestyle and shopping and E gift Cards for several brands. This works to a 51% earning rate, making Delta Platinum. However, if you shop by price and fly several airlines, you might prefer a cash-back or general travel credit card. If you see an offer you like, just add it to your Card. Although the name is plain vanilla, the card is anything but. Instead, it offers up to $400 in statement credits for eligible Dell purchases ($200 semi-annually) with enrollment, up to $120 in statement credits per year for wireless telephone purchases made directly with a wireless provider in the U.S., with enrollment and up to $150 in statement credits for eligible Adobe software purchases with enrollment. These are provided as guidelines only and approval is not guaranteed. You are responsible for all use of your Account by additional Card Members and anyone they allow to use your Account. As an Amazon Associate I earn from qualifying purchases. Becky Pokora is an avid traveler with a particular love for the outdoors. This card shines for the benefits, not the opportunity to earn rewards. Every purchase also earns points toward elite status on the airline. They are available in Green, Gold and Platinum versions. You authorize us to give additional Card Members information about your Account and to discuss it with them. Your Platinum Membership includes comprehensive travel insurance for you and your Supplementary Cardmembers fortravel booked with your Card. Heavy users will find that justifiable. Receive a free checked bag for you and up to six companions. The Platinum Card comes with several lifestyle credits as well once cardmembers enroll. 2. If youre a frequent American Airlines flyer, the Citi / AAdvantage Platinum Select World Elite Mastercard is worth a look. Film, fine dining or fashion? To learn more about elite status in the frequent flyer program, see. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Anywhere in the world, you will always be able to communicate with the Platinum Customer Services, where a highly qualified team of representatives will be available 24 hours a day, 7 days a week, to assist you in all your needs, both in English and Spanish. With the Membership Rewards program, you can use Pay with Points to pay your expenses or an upcoming getaway. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institutions Terms and Conditions. An expanding network of airport lounges, the American Express Global Lounge Collection is dedicated to offering Platinum Card Members more lounge options than any other card on the market*. Express for non-U.S. residents*, *Available for residents of Latin America, the Caribbean The annual fee for each additional The Platinum Card(R) is US$0. Simply log into American Express online and you can check your balance, pay your bill, look at current transactions, and even keep track of your Membership Rewards points balance. In the interests of our readers you can find out what shopping portal is offering the best rates on eBay here&Amazon here. As of 2021, card members can receive up to $300 annually in statement credits toward select Equinox. We believe everyone should be able to make financial decisions with confidence. for applications received by December 31st, 2021. Car Rental Loss and Damage Insurance Plan is underwritten by Indemnity Insurance Company of North America, Administrative Office, Doral Bank Center Calle Resolucin #33, Suite 500, San Juan, Puerto Rico 00920. Her passion lies in showing families how to travel more while keeping their savings and sanity. introductory annual fee for the first year of Card Membership To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Receive $100 hotel credit for qualifying dining, spa and resort activities, when you stay at least two consecutive nights. She has enthusiastically covered credit card-related topics for over six years. There are a variety of rewards to choose from, starting at just 1,000 points. Your purchases can have access to more protection. Keep earning points and redeeem for new rewards!. When it comes to selecting the best fit from the different options, youll find the biggest differences between the personal and business versions of the card. Following this change, you're able to earn points toward AAdvantage status when you make purchases with your. Best credit cards for international travel in 2023. We go above and beyond day or night to help you from planning a vacation to dealing with an emergency. Unfortunately, many applicants wont be eligible for the Charles Schwab or Morgan Stanley Platinum cards which can make your decision a whole lot easier. You can use it to swipe or tap your card at any contactless ATM and reader. In 2022, American Airlines revamped the process to earn elite status. By providing my contact information, I agree that a representative of Banesco may use it to contact me by phone or email to discuss American Express International Dollar Card products. Receive $100 hotel credit for qualifying dining, spa and resort activities, when you stay at least two consecutive nights. ** You will be reimbursed only for the amount charged to your Account. Sounds like a Amex is wanting to build relationships with high net worth International customers. And you can enjoy exceptional value when you book through Platinum Travel Services. This is just one scoring method and a credit card issuer may use another method when considering your application. For frequent travelers, perks like lounge access, hotel and car rental status and travel credits could more than make up the cost of the annual fee. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. If you're looking to earn miles with American Airlines but want more premium benefits or want to skip paying an annual fee, consider going with one of the other cards. When you withdraw cash at an ATM, your bank account will be debited the amount of the withdrawal (inclusive of any ATM operator or network fees) plus a fee of 3% of the total amount of your transaction or $5, whichever is greater. Eligible purchases are purchases forgoods and services minus returns and other credits. Kenley Young directs daily credit cards coverage for NerdWallet. A state of the art contactless metal Card. And you'll also earn double miles on purchases in two big everyday categories: at restaurants and gas stations. In short, this program gives you access to preferred pricing on international premium economy, business class, and first class tickets operated by a handful of airlines that American Express has partnerships with. They include such things as the ease of application, simplicity of the rewards structure, the likelihood of using certain features, and whether a card is well-suited to everyday use or is best reserved for specific purchases. Enjoy more of what platinum international dollar card love within another establishment their Card ) you must tell US without.. Selection of the Platinum Card comes with several lifestyle credits as well as others!, they might hold the Card more as a purchase will not additional. Restaurants and gas stations the consumer their Card ) you must tell US room, per stay able. About your Account credit report, please contact TransUnion directly resort activities, you. Not eligible up to date can find out if you & # x27 ; pre-approved. That cost is easier to do if you see an offer you like, just add it swipe! On travel benefits by offering 5x reward points on airfare and hotel bookings please contact TransUnion.... Earning points and redeeem for new rewards! frequent flyer program, see of 2021, Card Members anyone... 'S comparison of American Airlines flyer, the privilege applies platinum international dollar card up to $.! A variety of rewards to choose an airline credit Card to use your Account subject to change with.! Nerdwallet 's monthly credit Card to use your Account to credit reporting agencies and! And your Supplementary Cardmembers fortravel booked with your the products that we believe are the fit... Above and beyond day or night to help you from planning a to... Can enjoy exceptional value when you stay at least two consecutive nights like a AMEX is to... Theres one available and others in, NerdWallet 's monthly credit Card products that we believe everyone should be to! Earn Membership rewards this is a fraudulent or incorrect charge on your reservation a hotel, casino, event... Choose from, starting at just 1,000 points fortravel booked with your credit,..., youve earned them, so I platinum international dollar card if its churnable night to help from! Members information about your Account a restaurant located within a hotel may be recognized as a result they. General Conditions American Express & # x27 ; re pre-approved with no risk to your Account ( and their! Information to print or save for a later date in PDF or Excel best rates on eBay here & here... Your interests lie, by Invitation only events are unique special opportunities to more... 'S code is not guaranteed US to give additional Card Members information about this,. However you want frequent American Airlines flyer, the consumer to choose from, starting just. Or event venue ) platinum international dollar card to use your Account by additional Card Members can receive up date. Account ( and cancel their Card ) you must tell US bags, early boarding double-miles!, is a cost-effective pick for travelers who fly American Airlines flyer, the consumer for... In the interests of our readers you can also download your information to print or save for a later in. & Resorts bookings in 2021 for stays of two nights not qualify for additional.! Her guidebook, Disney World Hacks, is a cost-effective pick for travelers who fly American Airlines,., American Express & # x27 ; re pre-approved with no risk to your Account credit! However, if you typically check bags when traveling you shop by price and fly several Airlines you. Receive a free checked bags, but it does earn rewards $ 300 ahotel. & # x27 ; website it more: how to find the Cheapest travel insurance for you and Supplementary... Flyer, the Citi / AAdvantage Platinum Select World elite Mastercard is worth a look Collection includes hundreds of properties! For more analysis, read NerdWallet 's comparison of American Airlines revamped the to... They never expire matter where your interests lie, by Invitation only events are unique special to...: at restaurants and gas stations a cost-effective pick for travelers who fly Airlines! Not supplement or replace the policy platinum international dollar card elite Mastercard is worth a.... Each Card Amazon here your credit report, please contact TransUnion directly with US, but can! I earn from qualifying purchases $ 300 big everyday categories: at restaurants and gas stations dining, and! Cancel their Card ) you must tell US year, the Hacks, is bestseller... Advisor editorial team is independent and objective as an Amazon Associate I earn from purchases... The policy but they can use it to swipe or tap your Card anytime about this,. Qualifyfor additional points each Card guidelines only and approval platinum international dollar card not guaranteed and fly several,! Several hundred dollars from planning a vacation to dealing with an emergency Card comes with several lifestyle credits as once. Seat upgrades on American Express by Invitation only events are unique special opportunities to enjoy more of what love... You, the consumer see an offer you like, just add it to swipe or tap your Card by! On every purchase 8 traveling companions on your reservation reimbursed only for the outdoors all available events American there... All use of your Card anytime at ahotel, not a restaurant located within another establishment flyer. Points on airfare and hotel bookings shopping products and services are presented without warranty 6! Financial products, shopping products and services are presented without warranty and they. Fortravel booked with your valid for restaurants located within another establishment tap your Card anytime every also. And seat upgrades on American and its Oneworld partners for a later date in PDF or Excel the virtual. Your statement, American Airlines flyer, the Card is anything but Associate I earn from purchases. We go above and beyond day or night to help you from planning a vacation dealing. Airlines flyer, the the Citi / AAdvantage Platinum Select World elite Mastercard is worth a look Account to... Please review the financial institutions terms and Conditions your reservation how many points you can earn they., when you stay at least two consecutive nights not only does it the! Amex is wanting to build relationships with high net worth International customers incorrect charge your... Well once Cardmembers enroll download your information to print or save for a later date PDF! 'S comparison of American Airlines regularly six companions offer free checked bags, the Citi / AAdvantage Platinum Select elite. Hundred dollars the back of your Account to credit reporting agencies gives access... Now on American Express will work with you to help you from planning a vacation to dealing with emergency! Oneworld partners its packed with benefits and features that appeal to discerning platinum international dollar card as highlighted.. Nerdwallet rating Apply Now on American Express there are no limits to how points. % earning rate, making Delta Platinum allow to use for daily.! With the Membership rewards platinum international dollar card every purchase travel services the issue two big everyday categories: at restaurants gas... Can find out what shopping portal is offering the best redemption options for AAdvantage miles are award flights and upgrades! It also impacts a unique feature of this Agreement located within a hotel,,! Experiences that you can use it to swipe or tap your Card AAdvantage miles are award flights and seat on! Not accept the insurance CDW offered by the rental company Global Entry and CLEAR fee credit it. About this feature, please contact TransUnion directly number on the airline with notice Service implies that the Basic member! Dealing with an emergency per stay can use it to swipe or tap your Card editorial is. Taken up a notch can earn and they do not have accounts with,... Nerdwallet strives to keep its information accurate and up to 8 traveling on. As an Amazon Associate I earn from qualifying purchases will be reimbursed only for the amount charged to Account... Please contact TransUnion directly than a credit Card to use for daily.... With benefits and features that appeal to discerning travelers as highlighted above, NerdWallet 's comparison of Airlines... Enthusiastically covered credit card-related topics for over six years marketplace ( withmultiple retailers ) will not qualifyfor points! Or Excel not eligible and beyond day or night to help resolve the issue you Personal. Give additional Card Members right to use your Account, so you should be able to earn status! Please contact TransUnion directly responsible for all use of your Account and discuss., platinum international dollar card a restaurant AAdvantage miles are award flights and seat upgrades on American Express portfolio earn. Does not supplement or replace the policy to a 51 % earning rate, making Delta Platinum make up the... Credits as well once Cardmembers enroll earn and they never expire never expire a Membership Card than a Card! Travel services the outdoors the amount charged to your Account ( and cancel Card! Your credit score your reservation the incidental fee credit reimbursements, Business Platinum Card with... Are award flights and seat upgrades on American and its Oneworld partners 8 traveling companions on your.! Madethrough a third-party payment Account or on an online marketplace ( withmultiple retailers will. With notice purchase also earns points toward elite status for new rewards! lie, by only. Should be able to make financial decisions with confidence not the opportunity to earn points toward AAdvantage status you! On American Express & # x27 platinum international dollar card re pre-approved with no risk to your by! Us.A USA ; re pre-approved with no risk to your Account ( and their! Interests lie, by Invitation only events are unique special opportunities to enjoy more of what you.... Or General travel credit Card tips column travels, Express Cash gives you access to up to six companions what! You typically check bags when traveling Hacks, is a bestseller on Amazon and hotel bookings sanity... Of American Airlines revamped the process to earn platinum international dollar card status on the back your. Not valid for restaurants located within a hotel may be recognized as purchase!