Please read these terms and conditions carefully before signing up for and using an AAdvantage® Mastercard Platinum Debit Card or an AAdvantage® Mastercard Black Debit Card.

These legal terms and conditions (the “Terms”) are between you (“You”) and Currensea and by signing up for and using Your AAdvantage® Debit Card, You agree to these Terms. You should read the Terms along with our Privacy Policy. It is important that You understand these Terms, so if You have any questions, please contact Currensea at help.aadvantage@currensea.com or call 020 3994 2001 (or +44 20 3994 2001 from abroad), leave a message, and We will be happy to explain.

What is Currensea?

• We are Currensea, a payment service that lets You connect Your existing Bank Account to Your Card. The Currensea platform powers a number of different Currensea Services. The specific Currensea Services available to You will be shown when You sign up to Currensea.
• This bit is important: when You sign up to the AAdvantage® Debit Card, it is not a bank account. It is a payment card that works with a Mobile App, connected to Your Bank Account via Open Banking. You can only have one Card in Your name:

1. 1. Any reference in these Terms or on our website to Your “Card” means Your AAdvantage® Debit Card issued by Currensea and governed by these Terms (this may be a physical or virtual card depending on what You choose or is available to You when You sign up)
   2. Any reference in these Terms or on our website to Your Subscription means Your Card and the Mobile App
   3. Any reference in these Terms or on our website to Your “Bank Account” means Your third-party issued bank account which is linked to Your Card
   4. You must have an active Direct Debit when You authorise the payment until the payment has been debited from Your linked Bank Account
   5. For other defined terms please see the glossary at the end of these Terms.

Who We are

• Currensea Limited (“We”, “Us”, or “Currensea”) is a company registered in England and Wales with company number 11413946 and whose registered office is at Suite 1 Amersham House, Mill Street, Berkhamsted, Hertfordshire, United Kingdom, HP4 2DT.
• We are authorised by the FCA as a Payment Institution with Firm Reference Number 843507. The head office address is at 25 Wilton Rd, Pimlico, London SW1V 1LW.
• We are also a Mastercard™ Principal Member, with Member Number 256494.

Who You are

• Currensea requires up to date information about You, which includes Your full name, date of birth, home address, email address and mobile phone number.
• If You change Your name, move address, change Your Bank Account details or change Your contact details (including Your mobile phone number or email address), You must notify Currensea as soon as possible. We may need to carry out additional Know-Your-Customer (KYC) checks to confirm that the details and information You provided are correct. If required, We may perform a soft credit check via a credit reference agency.
• To be eligible for a personal Card, You must:

1. 1. Be aged 18 or over
   2. Have a valid UK mobile phone number
   3. Have an active UK current Bank Account
   4. Be registered and have access to online or mobile banking
   5. Be suitable for a payment card that uses a Direct Debit, and have no active CCJs

Meeting the eligibility criteria does not guarantee acceptance of an application. We reserve the right to decline any application or refuse to provide our services where this is necessary for legal, regulatory, financial crime, fraud prevention, risk management, operational or commercial reasons. We may not always be able to disclose the specific reason for a decision where doing so would be unlawful or would compromise our fraud prevention, financial crime or security controls.

How to contact us

• You can reach Currensea by email at help.aadvantage@currensea.com, via the contact form in the Mobile App, or call 020 3994 2001 (or +44 20 3994 2001 from abroad), and leave a message.

How Currensea works

• When You sign up to Currensea, You link Your UK Bank Account through Your bank's secure online banking platform or mobile application. We perform a check on Your linked Bank Account to ensure it meets our eligibility criteria. Once linked, You provide Us with the authority to debit Your linked Bank Account for transactions made using Your Card. By linking a Bank Account, You confirm that You have all necessary permissions and authority to do so. You acknowledge and agree that You remain personally and solely liable for all amounts due to Currensea in connection with Your use of the Card. This includes, for the avoidance of doubt, where You or any other named holder of a linked Bank Account disputes Currensea’s rights in respect of an Authorised transaction. Authorised spend using Your Card, will be taken as consent to debit Your linked Bank Account for the GBP/£ equivalent amount, based on the applicable exchange rate.
• For each transaction made, We will send an email to the email address You have provided, identifying the Merchant and the amount of the transaction. Where used for Foreign Spend, the email will also show the exchange rate used and the GBP/£ amount that will be debited from Your Bank Account.
• You have also authorised Us to access information from Your Bank Account, based on the usage conditions in our Privacy Policy. This authorisation and Your Bank Account link is reconfirmed by You each time You access the Mobile App or use Your Card. You can update Your linked Bank Accounts via the Mobile App at any time.

Costs of using Currensea

• Currensea operates a platform powering different Currensea Services. Costs for using the Card services are:
  • The Card is a subscription debit card that enables users to earn American Airlines AAdvantage® miles and Loyalty Points as they spend in the UK and internationally. For details on how AAdvantage® miles and Loyalty Points are earned, please see the Card Benefits section in this document.
  • Currensea charges a Subscription fee for its services. Please see the Pricing Plan section below.
  • The Card is also designed to save You money on international purchases. Our Realtime Exchange Rates can be found here.
  • Please note that the exchange rate may change throughout the day, but We will let You know what rate has been applied to Your transaction in Your confirmation email. You can also check the relevant exchange rate via our website or the Mobile App.
  • Whenever You make a payment in a foreign currency using Your Card You will be charged the Realtime Exchange Rate. We may also add an exchange fee, as further set out in these Terms. An additional rate applies to ATM withdrawals over a certain amount per month. Please see the Pricing Plan table for more information. Please note, some ATM providers may charge a separate transaction fee.
    For the avoidance of doubt, We do not permit ATM withdrawals in GBP/£.

Using Currensea

• When using Your Card to make a transaction or paying your Annual Fee, You must have enough funds available in Your linked Bank Account. We will check the balance of Your Bank Account to ensure there are sufficient funds before approving the transaction or processing the Annual Fee payment. Once a transaction has been authorised or an Annual Fee payment is due, We are immediately entitled to collect the funds which will be collected from Your Bank Account via Direct Debit or Faster Payment. If We are unable to collect the funds from Your Bank Account, We may charge You for late payment. Your Card is not a credit card and is not intended for borrowing.
• You will need the Mobile App accompanying the Card to authenticate online payments.
• If the Direct Debit or Faster Payment is unsuccessful, We will contact You and continue attempting to collect the outstanding amount, or request that this is sent to Us via Faster Payment. If We have still not received the full outstanding balance after 3 business days, We will apply a one-off late payment fee of £35. If the outstanding balance (inclusive of any later payment fees) remains unpaid, an additional fee of 40% of the total outstanding balance will subsequently be applied to cover Our costs. Your Card will be blocked until all outstanding funds are repaid in full. Currensea reserves the right to refer any outstanding payments, including any applicable fees, to a third party for recovery. Any additional costs or fees incurred by such third parties may be added to the outstanding balance. Currensea may report missed payments and outstanding balance to credit reference agencies, which may negatively impact Your personal credit score. Currensea may issue a formal demand for payment and take further recovery action. Currensea also reserves the right to terminate our service to You and cancel Your Card.
• You can keep track of how much You are spending via the transaction list in Your Mobile App.
• Before Your Annual Fee payment is taken by Direct Debit, We will give You at least 14 calendar days’ advance notice of the amount, date and purpose of the payment, unless a shorter notice period has been expressly agreed with You. This notice will normally be provided by email. If we need to change the amount, date or frequency of a renewal payment, We will notify You in advance using the same notice period.
• All Direct Debits are protected by the Direct Debit Guarantee. You can read the full Direct Debit Guarantee wording here: https://www.directdebit.co.uk/direct-debit-guarantee/
• Spend on Your Card is subject to our Fair Use Policy.
• The Card can be used to make transactions in multiple currencies worldwide and is generally accepted wherever Mastercard is accepted. However, we may restrict the use of Your Card in certain countries or locations, or decline transactions, where required for legal, regulatory, or risk management reasons. Availability may change from time to time without notice.
• We may block a transaction. Reasons we may do this include:

1. 1. We suspect any criminal or fraudulent activity on Your Card (to protect You)
   2. We are not legally allowed to process the transaction
   3. The transaction takes You over Your Currensea spend limits
   4. You do not have enough funds in Your linked Bank Account
   5. We have had to apply a fee due to uncollected funds
   6. Your spend is not in-line with our Fair Use Policy
   7. The transaction is for a non-permitted purchase. Details of non-permitted purchases can be found in our Fair Use Policy

• If We do block a transaction, we will let You know as soon as possible via email. Therefore, please ensure Your contact details are correct.
• We are not responsible for any losses You incur if we do not authorise or block a transaction. Also, We are not responsible if any merchant refuses to accept the Card.

Limits

• Spend limits will be based on Your balance and transaction history, as well as other information We hold on You.
• Your spend limits can be viewed in Your Mobile App. These limits may change over time, in Our sole discretion, and We will let You know if they do. Please note, Your Card cannot be used for ATM withdrawals in the UK.
• Please contact Us at help.aadvantage@currensea.com if You want to discuss Your limits.

Keeping Your Card safe

• You must always keep Your Card and its details safe and never let anyone else use them. You should memorise Your PIN and other security information and keep them secret at all times.
• You must only ever reveal Your Card number to make a transaction, report the loss or theft of the Card, or if We ask You to. We will never contact You to ask You for Your passwords, CVC, PIN, OTP token or full security details. When We contact You, we will always check We are corresponding with the right person by asking You several security questions associated with Your Subscription.
• If Your Card is lost or stolen, or You see unrecognised transactions, You must freeze it immediately via Your Mobile App and contact Us at help.aadvantage@currensea.com as soon as possible. If You need a new Card, We may charge You GBP £5 for a replacement.
• We will usually, but at our discretion, refund You for any unrecognised transactions; reasons for which You may not get a refund include:

1. 1. You did not keep Your Card, CVC, OTP, and/or PIN safe (as We have told You above)
   2. You broke the terms of these Terms or website Terms of Use
   3. The unrecognised transactions are over 13 months old
   4. You acted fraudulently or with intent or gross negligence
   5. The losses are not the direct result of our actions

For the avoidance of doubt, sharing security information is granting access to Your Bank Account and potentially also the authority to act as the account holder. We reserve the right to treat any failure by You to keep Your PIN, OTP or other security details safe to be gross negligence, including but not limited to scenarios where You chose to share Your credentials with a third party or else left these credentials in a place where a third party could identify and use these, i.e. affixed Your PIN to Your Card.

Authorised transactions

• All spend using Your Card is deemed as authorised, thereby giving Us the authority to take the funds from Your linked Bank Account via Direct Debit or Faster Payment. This means You must always have an active Direct Debit.
• You will receive an email notification each time a transaction takes place using Card or a daily summary of transactions. If You did not authorise the transaction, You must freeze Your Card via Your Mobile App immediately and contact Us at help.aadvantage@currensea.com as soon as possible. If You have been a victim of fraud, We will usually, but at Our discretion, refund any money You have lost; reasons for which You may not get a refund include that You acted fraudulently or with gross negligence (as listed above).

Purchase protection

• For Your protection, Currensea supports Mastercard™ chargebacks. This may help You reclaim funds if:

1. 1. Your goods do not arrive
   2. Your goods arrive damaged
   3. Your goods are different from how they were described
   4. There is a technical issue, i.e. an expired authorisation
   5. There is a clerical error, i.e. being charged either multiple times or for the wrong amount
   6. In the event of certain types of merchant fraud
   7. The Merchant has ceased trading

• There is no upper limit on how much You can dispute via the chargeback process, although there may be a minimum spend. We will confirm when You reach out, based on current guidelines.
• Please note, to use chargeback, it usually must be within 120 days of Your payment. However, in the case of certain future-dated items, such as airline tickets or sporting fixtures, the 120-day time limit begins once You were due to receive the goods or service.
• Chargeback requests are reviewed on a case-by-case basis, at Our sole discretion, and will require supporting evidence to be submitted by the Cardholder. If You need to raise a chargeback, please contact Us at help.aadvantage@currensea.com.

Provisional Refunds and Reversals

• Where we, at our sole discretion and in good faith, provide you with a refund in relation to a disputed or potentially unauthorised transaction before our investigation is complete, that refund is provided on a provisional basis.
• If, following further investigation, card scheme dispute processes, or receipt of additional merchant evidence, we determine (acting reasonably) that the transaction was authorised by you, that you acted fraudulently or with gross negligence, or that the transaction is otherwise not refundable under these Terms or applicable law, then to the extent permitted by applicable law we reserve the right to reverse the provisional refund and recover the relevant amount from you.
• We may recover such amounts, where legally and operationally possible, by debiting your linked Bank Account, collecting from any other payment method you have registered with us, setting off against any amounts we owe you, or otherwise requesting repayment from you. If repayment is not made when due, we may take appropriate steps to recover the outstanding amount.
• We will notify you in writing before any such reversal or recovery, providing a summary of the evidence or basis for our decision.

Marketing preferences

• By providing Your contact details and opting in to receive marketing communications, You consent to receive marketing materials from Currensea and the AAdvantage® Program, and from carefully selected partners. You can opt out at any time. For more details, please see our Privacy Policy.

Our Cards

• Currensea offers plans for personal customers. Details of our plans can be found here.
• When You subscribe to one of our plans, You are committing to a 12-month annual Subscription. Your Subscription becomes active once You activate Your Card or otherwise receive any benefits associated with Your Subscription, including (where applicable) Miles, welcome bonus offers or limited time offers (LTOs). From the point Your Subscription becomes active, the annual Subscription is being provided and the 14-day cooling-off period will no longer apply. Payment is collected via Direct Debit or Faster Payment. If You choose to end the Agreement before the 12-month Subscription term has elapsed, You will remain liable for any outstanding payments. Once Your Subscription is active, You will not be entitled to a full or partial refund of the Annual Fee. If You cancel before Your Subscription becomes active and before receiving any associated benefits, We may refund the Annual Fee, less GBP 5 to cover Card issuance and onboarding costs. For details on upgrading or downgrading Your plan, see here.
• Your Subscription will automatically renew at the end of the term. To prevent this, please get in touch with Us at least 30 days before Your Subscription is due to end.

How to make a complaint

• If You have a complaint, please contact Us at help.aadvantage@currensea.com and we will do our best to fix the problem.
• If You are still not happy, You can refer Your complaint to the Financial Ombudsman Service. For more details, You can visit their website at www.financial-ombudsman.org.uk.

Making changes to these Terms

• These Terms will be available on our website and through Your Mobile App. If We make any changes, we will give You two months' notice (unless the change is urgent or due to legal requirements).
• If You do not agree to these changes, let Us know by contacting Us at help.aadvantage@currensea.com. Once We have checked there are no uncollected payments, we will cancel Your Card.

Ending Your Subscription

• · To cancel Your Subscription, go to settings/account in Your Mobile App.
• Cancelling Your Direct Debit is not the same as ending Your Agreement with us. We will need to ensure there are no uncollected payments before We can end the Agreement.
• Once we have ended the Agreement, Your Card will not work and You will not be able to access the Mobile App.
• Currensea can end the Agreement and stop providing any services by giving You at least two months' notice. We may end the Agreement or stop You using Your Card immediately and retain any subscription paid and continue to recover any outstanding payments for any reason, including if We believe You have:
  • Broken any terms of this Agreement or website terms of use
  • Failed to provide satisfactory Know Your Customer (KYC) information or fulfil any due diligence requirement.
  • Used Your Subscription and/or Your Card to break or attempt to break the law
  • Given Us false or inaccurate information at any time, or fail to provide Us on request at any time during the Agreement with information We require to verify Your identity
  • Put Us in a position where We might break the law or fail to fulfil our legal or regulatory obligations
  • Been abusive to anyone at Currensea, a member of our community, or anyone at American Airlines or the AAdvantage® Program.
  • Tried to use a Card or access a Mobile App other than Your own
  • Allowed anyone else access to Your Card or the Mobile App
  • Attempted to get around usage restrictions set by Your Bank Account
  • Where there has been a failed payment from Your Bank Account
  • Where We reasonably believe (in our sole discretion) that Your creditworthiness, and/or transactions on Your Card and/or Your Bank Account fail or fall outside of our fraud and risk modelling assessment

General legal information

Who is this Agreement between?

• This Agreement is between Currensea and You. You cannot transfer any rights or obligations to anyone else.
• We can transfer our rights and obligations in this Agreement if We reasonably think that this will not have a significant effect on Your rights or for legal reasons. When We transfer Our rights and obligations, We will let You know beforehand.

Operation and Suspension of our services

• We cannot and do not guarantee continued and interruption free access to our website, the Mobile App or Our services generally. Our services may become inaccessible due to technical issues which We will use reasonable endeavours and care and skill to resolve, subject to the same being within our reasonable control.
• We will not be liable for any failure or delay in performance of Our obligations caused by events outside Our reasonable control (Force Majeure).

Severability, Waiver and No Agency

• In the event that any term or part of a term of this Agreement is found to be invalid or unenforceable, the remainder of the term and of this Agreement will remain valid and fully in force.
• In the event We elect not to enforce our rights in respect of any breach by You of this Agreement, this does not act as a waiver of that right, or of our right to enforce our rights in respect of subsequent instances of the same, or a different breach.

English law and courts

• The laws of England and Wales apply to this Agreement.
• If these terms and conditions are available in any other language, the translation is for reference only and the English version will apply. English Courts have non-exclusive jurisdiction.

Our right to enforce the Agreement

• If You have broken the Agreement between You and us, and We do not enforce our rights, or We delay in enforcing them, this will not prevent Us from enforcing those or any other rights at a later date.

Entire Agreement

• Only the Terms as set out in this Agreement apply (except where external terms are specifically referenced within these Terms).

Pricing Plans

• We may change our Subscription plans and the price of the service from time to time. We will inform You of any upcoming price changes at least 30 days prior to it coming into effect.

Data Sharing

• When a Cardholder applies and is approved for a Card, the Cardholder authorises and expressly consents to the sharing by Currensea of the Cardholder's personal data, including Subscription information, with American Airlines, who may process and host outside of the United Kingdom such personal information, including first name, last name and email address, for administrative purposes and to enable American Airlines and any of its affiliates globally to provide AAdvantage® Program benefits and Card services to the Cardholder in accordance with these Terms, as permitted by applicable law.
• Without a Cardholder's authorisation to Currensea to share such Cardholder’s personal data with American Airlines, American Airlines and its affiliates will not be able to provide the services to the Cardholder in accordance with these Terms.
• Please find more details on how Cardholders' personal data will be processed in Currensea’s privacy policy at https://www.currensea.com/legal/privacy-policy and the American Airlines privacy policy at https://www.aa.com/i18n/customer-service/support/privacy-policy.jsp.

Miles Earning Overview:

• Cardholders will accrue AAdvantage® miles only after activating the Card and linking their AAdvantage® Account with the AAdvantage® Debit Card.
• You will receive AAdvantage® miles only for Valid Spend, which are purchases for goods and services minus returns and other credits which are eligible for AAdvantage® miles earning under the Fair Use Policy in these Terms.
• In addition to the standard AAdvantage® miles earned, We may from time-to-time launch promotions to offer incremental AAdvantage® miles (bonus AAdvantage® miles) whether on its own or through the AAdvantage® Program or other third parties. Such promotional offers will be governed by the terms and conditions of the applicable promotion, as well as these Terms. The terms and conditions of the applicable promotion will be communicated at the time of the launch of such a promotion.
• Miles are awarded as whole numbers only. Any fractional miles earned, whether through the Earn Rate on Valid Spend above or otherwise, will be combined and rounded to the nearest whole mile.
• AAdvantage® miles will accumulate on Valid Spend and will become visible in Your Mobile App as “pending” AAdvantage® miles on a daily basis. The attribution of miles is provisional and subject to verification. Once verification is complete, any eligible AAdvantage® miles will appear in Your AAdvantage® Account as soon as 15 calendar days after the day on which the qualifying Card transaction occurred, but in any event within 60 days.
• All transactions are subject to our Fair Use Policy, and We reserve the right to disqualify transactions or Cardholders from accruing miles via the Card if found to be in breach of this policy or these Terms, or the AAdvantage® Terms and Conditions.
• Currensea reserves the right to amend the quantum of AAdvantage® miles associated with each Earn Rate, or any other Earn Rate applicable at a given time.
• Cardholders will be able to view all AAdvantage® miles earned on the Card in the Mobile App. AAdvantage® miles can be viewed by visiting and logging into their account on aa.com, or by downloading the American Airlines app.
• Use and redemption of AAdvantage® miles are available only through the AAdvantage® Program’s redemption channels and are governed by the AAdvantage® Terms and Conditions, which are subject to change by American Airlines at any time.
• Miles accrued, awards, and benefits issued are subject to change and are subject to the rules of the AAdvantage® Program. American Airlines may change the AAdvantage® Program including, but not limited to, rules, regulations, travel awards and special offers at any time and without notice. American Airlines may terminate the AAdvantage® Program at any time by giving six months notice. Taxes and fees related to award travel are the responsibility of the member. All calculations made in connection with the AAdvantage® Program, including without limitation with respect to the accumulation of miles in relation to flights with American Airlines, an affiliated carrier or earned with an American Airlines AAdvantage® partner, will be made by American Airlines in their discretion and such calculations will be considered final. Information in this communication that relates to the AAdvantage® Program does not purport to be complete or comprehensive and may not include all of the information that a member may believe is important, and is qualified in its entirety by reference to all of the information on the aa.com website and the AAdvantage® Terms and Conditions. For complete details about the AAdvantage® Program, go to aa.com.

Merchant Classification

• Merchants are assigned a specific merchant identification number (ID). We do not control the assignment of these numbers and are not responsible for the ID used by Merchants.
• Sometimes You may expect a purchase to fit within a rewards category, but if the ID assigned to the Merchant was not grouped into that category, as recognised by Currensea, Your purchase may not qualify for a specific Earn Rate or reward.

Card Application and AAdvantage® Membership

• The Card applicant will be responsible for providing their AAdvantage® Membership Number upon Card activation.
• Applicants who are not approved for a Card will not be enrolled in the AAdvantage® Program pursuant to these Terms. Existing AAdvantage® memberships will not be affected if they are not approved for a Card.

Collection and Using AAdvantage® Miles

• American Airlines offers many ways to earn and redeem AAdvantage miles. For complete details please visit aa.com.

AAdvantage® Debit Card Benefits

Cardholders receive exclusive discounts when redeeming miles for car rental and hotel stays

Some members may receive preferential pricing. Prices are subject to change without notice. For more information and to redeem miles, visit useaamiles.com.

Miles Never Expire

American Airlines AAdvantage® miles will not expire as long as You earn or redeem miles once every 24 months on American Airlines, an affiliated carrier or with an American Airlines AAdvantage® partner. If you are a Cardholder, Your miles will not expire.

Roundup Miles

• • You have the option to activate the “Roundup Miles” feature in Your Mobile App. When activated, it allows You to round-up eligible transactions to the nearest 10p or 20p and thereby earn miles at a rate of 1 mile / GBP £0.02. See our help section for more examples.
  • This feature can be disabled by You at any time. As with the underlying transaction, this feature is subject to our Fair Use Policy and all AAdvantage® miles earned in this way remain pending until verified.
  • We reserve the right to amend the terms of this offer, or remove it in its entirety, at any time. We will endeavour to inform You of any upcoming changes to Earn Rates at least 30 days prior to it coming into effect.

Loyalty Points

You will receive 1 Loyalty Point for every eligible mile earned through spend on Your Card, including miles earned through the Turbo Miles feature, round up through the Roundup Miles feature, and miles earned per successful referral under the refer a friend programme. There is no limit on the number of Loyalty Points you can earn. Loyalty Points count towards your status tier under the AAdvantage® program. Loyalty Points will not be awarded in respect of miles earned through limited time offers, or through welcome or renewal bonus miles.

AAdvantage® Mastercard Platinum Debit Card Specific Benefits

Miles Earning

• • By spending with Your AAdvantage® Mastercard Platinum Debit Card, You will be able to earn AAdvantage® miles for every GBP £1 of Valid Spend as follows:
  • You will earn one (1) AAdvantage® mile per GBP £2 (i.e. half (1/2) of an AAdvantage® mile per GBP £1) of Valid Spend charged on Your Card in Domestic Spend and European Spend, including On-Brand Spend in relevant currencies.
  • You will earn one (1) AAdvantage® mile per GBP £1 of Valid Spend charged on Your Card in Non-European Spend, including On-Brand Spend in relevant currencies.

AAdvantage® Mastercard Black Debit Card Specific Benefits

Miles Earning Without the Turbo Miles feature switched on

• • Without the Turbo Miles switched on, by spending with Your AAdvantage® Mastercard Black Debit Card, You will be able to earn AAdvantage® miles for every GBP £1 of Valid Spend as follows:
  • You will earn two (2) AAdvantage® miles per GBP £3 (i.e. two-thirds (2/3) of an AAdvantage® mile per GBP £1) of Valid Spend charged on Your Card in Domestic Spend and European Spend, including On-Brand Spend in relevant currencies.
  • You will earn four (4) AAdvantage® Miles per GBP £3 (i.e. four-thirds (4/3) of an AAdvantage® mile per GBP £1) of Valid Spend charged on Your Card in Non-European Spend, including On-Brand Spend in relevant currencies.

Miles Earning With the Turbo Miles feature switched on

• • With the Turbo Miles switched on, by spending with Your AAdvantage® Mastercard Black Debit Card, You will be able to earn AAdvantage® miles for every GBP £1 of Valid Spend as follows:
  • You will earn two (2) AAdvantage® miles per GBP £3 (i.e. two-thirds (2/3) of an AAdvantage® mile per GBP £1) of Valid Spend charged on Your Card in Domestic Spend, including On-Brand Spend in GBP.
  • You will earn two (2) AAdvantage® miles per GBP £1 of Valid Spend charged on Your Card on all Foreign Spend, i.e. European Spend and Non-European Spend, including On-Brand Spend in relevant currencies.

Using the Turbo Miles feature to Accumulate More Miles and Loyalty Points

The Turbo Miles feature is available only on the AAdvantage® Mastercard Black Debit Card. When switched on, the Turbo Miles feature increases the Earn Rate applicable to Foreign Spend, as set out in the AAdvantage® Mastercard Black Debit Card above. You may switch the Turbo Miles feature on or off at any time through the Mobile App. The Earn Rate and exchange rate applicable to a transaction will be determined by whether the Turbo Miles feature is switched on at the time the transaction is made as further set out under Pricing Plan above. We reserve the right to amend the terms of the Turbo Miles feature, including the applicable Earn Rate and exchange rate, or to withdraw it in its entirety, at any time. We will endeavour to notify You of any material changes in advance in accordance with these Terms.

London Heathrow priority check-in

Each AAdvantage® Mastercard Black Debit Card Cardholder is entitled to unlimited Priority check-in at American Airlines at London Heathrow Airport, regardless of the class of travel booked. subject to the desk being staffed and available at the time of check-in. This benefit applies only to flights marketed and operated by American Airlines, departing from London Heathrow Airport (LHR) and does not extend to flights operated by other oneworld® partners unless otherwise stated. The benefit is available to the Cardholder only and does not extend to accompanying travellers unless they are checking in on the same booking as the Cardholder.

Preferred (Group 5) Boarding

Each AAdvantage® Mastercard Black Debit Card Cardholder is entitled to Preferred (Group 5) boarding on American Airlines flights, regardless of the class of travel booked. This benefit allows the Cardholder to board with Group 5 rather than the boarding group otherwise assigned, subject to the boarding process in operation at the time of travel. Preferred (Group 5) boarding is applied to the cardholder’s boarding pass at check-in. This benefit applies only to flights marketed and operated by American Airlines and its affiliates and does not extend to flights operated by other oneworld® partners unless otherwise stated. The benefit is available to the Cardholder only and does not extend to accompanying travellers unless they are on the same booking as the Cardholder. This benefit is subject to change by American Airlines at its discretion, including changes to boarding group structure or the withdrawal of the benefit.

Welcome and other bonuses, rewards, introductory or Limited Time Offers (LTOs) and Other Benefits

• We may offer a welcome bonus to new customers from time to time based on certain spend or other criteria. No welcome bonus will apply when a current Cardholder or a former Cardholder signs up to a new subscription plan. In addition, we may from time to time offer bonuses to existing Cardholders, for example when they renew their Subscription. All bonuses will be subject to specific bonus terms and conditions and/or other relevant (spend related) criteria.
• We may offer rewards, introductory or limited time offers (LTOs) and benefits for new or existing Cardholders or things like referring a friend or using Your Card with specific Merchants. We reserve the right to withdraw or change these offers at any time without notice. Any introductory or limited time offer, rewards, or benefits will be available one time per Cardholder and are limited to one offer per customer unless otherwise explicitly stated.
• These offers are non-transferable and may not be combined with any other discounts, promotions, or offers unless expressly permitted.
• We expect You to enter accurate information when required by our partners in order to collect associated benefits or rewards. Failure to do so may result in the reward being declined or removed.
• If an offer includes specific terms and conditions, those specific terms will prevail over these general Terms in the event of any conflict.

Upgrade or Downgrades

Upgrading Your Subscription

• Cardholders of the Platinum Card can upgrade to the Black Card plan at any point in time.
• On upgrading, You will be billed the full Annual Fee for the Black Card. Your Card Anniversary Year will reset, and Your new renewal date will be twelve months from the date Your new Black Card Subscription commences (the date on which Your new Black Card Subscription commences, the “Upgrade Date”).
• You will also receive a fractional refund of the Annual Fee relating to Your original plan, equal to the number of full months remaining until Your original card Subscription. E.g. a customer signs up to the Platinum Card on 12 November 2027 and then requests to upgrade to the Black Card on 8 July 2028. This customer would be entitled to a refund of the Annual Fee for the residual 4 complete months between 12 July and 12 November, equating to GBP £25. This refund will be issued by Currensea on receipt of the GBP £195 Annual Fee for the customer’s new Black Card. The Cardholder’s new renewal date will become 8 July 2029. Their Card Anniversary Year will now start on 8 July and this will be the relevant date for any renewal related bonuses or rewards.
• Unless otherwise explicitly stated in the relevant offer, no welcome bonus, limited time offers or refer-a-friend bonus will apply to upgrades.

Downgrading Your Subscription

• If You are a Black Card Cardholder, You can downgrade Your plan to a Platinum Card, but only on Your renewal date by contacting customer service at least 30 days before the renewal date until this feature is built into the product. No welcome bonus or refer-a-friend bonus will apply to downgrades. All other benefits or rewards linked to Your Black Card will end when the downgrade takes effect.

Net Valid Spend

Unless otherwise stated, any spend criteria mentioned in these Terms or other offer specific terms and conditions relate to net Valid Spend. In other words, this would exclude any spend which is not eligible for AAdvantage® miles earn and/or other limited spend under the Fair Use Policy and it also does not include any refunds and/or Chargebacks.

General

• Your Card shall be subject to an Annual Fee at such rate as communicated to You under these Terms which may be updated from time to time. The Annual Fee for the second year and for each year thereafter will be charged in the same month every year.
• Currensea reserves the right, at any time and by notice to You in accordance with applicable law, to change these Terms and the qualifying services and/or to suspend or terminate Your Card notwithstanding that such change may result in reducing or extinguishing any related benefits. While Currensea shall make every endeavour to notify Cardholders of such changes, neither Currensea nor American Airlines (including its subsidiaries and affiliates) will be held liable in any manner for failure to do so.
• Currensea and American Airlines (including its subsidiaries and affiliates) will not be liable for a failure to perform any obligations under these Terms if due directly or indirectly to the failure of any machinery or communication system, industrial dispute, war or act of God or anything outside their control. Nor shall Currensea or American Airlines (including its subsidiaries and affiliates) be responsible for any delay by Merchants in transmitting evidence on any Card transaction.
• Currensea is not responsible for the redemption of AAdvantage® miles or other benefits or rewards offered as part of the Subscription by American Airlines (including its subsidiaries and affiliates), and Currensea gives no guarantee and has no liability to You for any failure to redeem AAdvantage® miles by or receive any other benefits or rewards from American Airlines or the AAdvantage® Program.
• American Airlines is not a party to the Agreement between Cardholder and Currensea and is not responsible for the Subscription. American Airlines gives no guarantee and has no liability to the Cardholder for any failure by Currensea relating to the Subscription.

Losing AAdvantage® miles

• You will immediately lose all AAdvantage® miles that are pending and have not been transferred to the Your AAdvantage® Account if Your Subscription is terminated for misuse, fraudulent activities, failure to pay, bankruptcy or other reasons described in these Terms.
• Fraud or abuse in relation to the credit of miles to any Cardholder’s AAdvantage® Account is subject to appropriate administrative and/or legal action by American Airlines, including the forfeiture of any miles issued and any miles accrued in such account, as well as cancellation of the account and Cardholder's future participation in the AAdvantage® Program. Please see aa.com for full terms and conditions of the AAdvantage program

Fair Use Policy

In order to ensure that You get the best experience using the Card, there are some fair use limitations to be aware of. We reserve the right to limit the use of, or block Your Card, if We see that You are using it in the following ways:

• Ecommerce micropayments: if You are using the Card solely or frequently for ecommerce micropayments (such as for online games)
• Non-permitted purchases: if You are using Card for any non-permitted purchases. Non-permitted purchases include:
  
  • Online gambling or betting
  • Dating or escort services
  • Massage parlours
  • Money transfer services (including money service bureaus)
  • Financial products (including prepaid cards, loans, virtual currencies, certain insurance payments, stocks and bonds, currency and commodity exchanges)
  • Defence or weapons (including manufacturing and/or distribution of weapons, explosives or armaments)
  • Activities undertaken by unregistered or unregulated charities
  • Distribution of non-licensed drugs

If Your Card has been limited or blocked and You disagree with our decision, please get in touch with Us and we will be happy to review this. If after further review our decision remains unchanged, we will let You know why.

In addition to the above, AAdvantage® miles or Loyalty Points cannot be earned on non-personal spend and certain categories of personal spend, unless the service fee mentioned below applies. In addition to the categories listed above, Invalid Spend categories include but are not limited to:

• Payment of UK and European taxes, unless the service fee mentioned below applies
• UK or European rent, service charges, or mortgage payments
• Payment of Card fees
• ATM cash withdrawal abroad (for avoidance of doubt, UK ATM cash withdrawal is not supported by the Card)
• Payments in relation to financial products (for the avoidance of doubt, this includes any points or miles purchases)
• Cash recycling schemes
• Payment of UK or European school, university, or other educational fees
• Obtaining cash through a transaction which the Cardholder knows will be treated as a purchase of goods and services
• Using the Card at a retailer that the Cardholder controls

For customers, such as sole traders, selecting the business expenses option when signing up, broader categories of spend may be available for miles earning, however ATM and counter cash withdrawals and cash recycling schemes are always excluded. In this scenario, customers are responsible for payments being limited in use for business expenses where charged directly to the relevant account. 

Some categories of government spend, such as HRMC, may incur a small service fee, where additional Merchant fee caps have been imposed; miles will be earned from these transactions. By making the transaction, You accept the service fee.

We reserve the right, at our sole discretion, to review any transaction or group of transactions. If We reasonably believe that a transaction or group of transactions has been entered into artificially or fraudulently for the primary purpose of earning miles or other rewards, We may, without prior notice, block the earning of miles on such transactions and take any additional actions deemed necessary, including but not limited to account suspension or termination. We reserve the right to amend this list at any given time, but We will notify Cardholders in advance of any material changes taking effect.

Glossary

The following defined terms are used in these Terms. If You do not understand any of the glossary terms, please contact Us at help.aadvantage@currensea.com and We will be happy to explain.

Glossary Terms