Did you use your Visa or Mastercard debit card or Visa, Mastercard, or Discover non-rewards credit card to make a purchase from 2015 to 2022?
Your rights may be affected by a class action settlement.
Did you use your Visa, Mastercard, or Discover non-rewards credit card to make a purchase in Illinois from 2016 to 2022?
You could get money from a $17.5 million settlement.
A Settlement has been reached in regard to class action lawsuit with American Express Company and American Express Travel Related Services Company, Inc. (“Amex”). The lawsuit claims that Amex has rules or provisions in its merchant agreements that do not allow merchants who accept American Express cards for payment to “steer” or encourage customers to pay with a different card that may charge the merchant a lower fee. Plaintiffs alleged that Amex’s anti-steering rules caused merchants to raise their prices to cover the Amex fee and charge all customers the same price. Therefore, customers who did not use an Amex card to make purchases ended up paying more money than they would have without these rules. Amex denies that it did anything wrong.
This case, Moskowitz v. Amex, has also been called Oliver v. Amex. You may have seen a previous notice about the Court certifying debit card and non-rewards credit card classes in this case (“Certified Classes”). That case went to trial, and the jury returned a verdict. The settlement happened after the verdict.
You are included in the Settlement if you are part of one or more of the Certified Classes:
- Generally, you are included in one of the debit card classes if you are a person who is a Visa or Mastercard debit card holder, and you, or an authorized user, used this debit card to purchase a good or service from a Qualifying Merchant (see Question 7) in Alabama, the District of Columbia, Illinois, Kansas, Maine, Mississippi, North Carolina, Oregon, or Utah. Your account address and the purchase made had to be in the same state and in Alabama, the District of Columbia, Maine, North Carolina, Oregon, or Utah from January 29, 2015, to June 1, 2022, or in Kansas, Illinois, or Mississippi from January 29, 2016, to June 1, 2022.
- Generally, you are included in one of the non-rewards credit card classes if you are a person who is a card holder, you have a Visa, Mastercard, or Discover general purpose credit or charge card account that does not offer credit card rewards or charge an annual fee, and you, or an authorized user, used this card to purchase a good or service from a Qualifying Merchant in the District of Columbia, Kansas, or Illinois. Your billing address and the purchase made had to be in the same state and in District of Columbia from January 29, 2015, to June 1, 2022, or in Kansas or Illinois from January 29, 2016, to June 1, 2022.
If you are in the Illinois non-rewards credit card class, you may be able to get money from this Settlement.
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SUBMIT A CLAIM |
If you are in the Illinois non-rewards credit card class and want to ask for a payment, you must complete and submit a valid Claim Form online HERE or by mail postmarked no later than May 19, 2026. |
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OBJECT |
If you are a Class Member, you have a right to object to or comment on any part of the proposed Settlement, Plan of Distribution, and/or the request for attorneys’ fees, costs, and expenses and service awards. If the Court does not approve the Settlement, no Settlement payments will be made, and the lawsuit will continue. If that is what you want to happen, you may object. You must mail your objection to the following address, postmarked no later than April 29, 2026: For full details on how to object, see FAQ “How can I tell the Court if I do not like the Settlement?”. |
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SPEAK AT THE HEARING |
The Court will hold a Final Approval Hearing on June 17, 2026 at 11:00 a.m. at the United States District Court for the Eastern District of New York. You may attend and ask to speak, but you don’t have to. For full details regarding the Final Approval Hearing, please see FAQ “When and where will the Court decide whether to approve the Settlement?”. |
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DO NOTHING |
If you do nothing, you are still bound by the Court’s decisions. You will not get any money from the Settlement. If you are in the Illinois non-rewards credit-card class and want to ask for a payment, you must complete and submit a Claim Form by May 19, 2026. |