# The Nilson Report, Issue 1095 September 2016.
*Points are earned on eligible transactions and are subject to points capping. You'll earn the maximum points per $1 spent when using your American Express card for eligible transactions overseas and at a Higher Points Merchant, which means a business classified as a 'supermarket', 'department store' or 'service (petrol) station' for the purposes of American Express transactions, excluding any business or organisation paid using an intermediary payment platform, for example, PayPal; and 0.5 points per $1 spent using your American Express card everywhere else. Refer to the Commonwealth Awards Programs Terms and Conditions for more information.
Mastercard® and the Mastercard brand mark are registered trademarks of Mastercard International Incorporated. American Express is a trademark of American Express. CommBank Awards American Express Cards are issued by Commonwealth Bank of Australia pursuant to a license from American Express.