Engine X Card Rewards Terms

Effective Date: 12/01/2025

These Engine X Card Rewards Terms (the “Card Rewards Terms”) are incorporated into and made part of the Engine Terms of Use, available at https://engine.com/terms-of-service (the “Terms of Use”) between you, a legal entity (“you” or “Company”) and HotelEngine, Inc., d/b/a Engine (“Engine” or “us”), together with its affiliates, assigns, (collectively, “we”, “our”, or “us”), and govern your participation in the Engine X Card rewards program (“Rewards Program”).

These Card Rewards Terms supplement the Terms of Use. For the avoidance of doubt, the Rewards Program is subject to all relevant provisions governing Engine’s provision of services to you under the Terms of Use (and constitutes a “Service” thereunder), including but not limited to, Disclaimers of Warranties and Limitation of Liability, Indemnification, Governing Law, Disputes and Attorneys’ Fees (including binding arbitration). Capitalized terms not defined herein have the meaning assigned to them in the Terms of Use. In the event of a conflict between these Card Reward Terms and the Terms of Use, these Card Rewards Terms will control.

If you are entering into these Card Rewards Terms on behalf of a business entity, you personally guarantee that you have the authority to bind the entity to Card Rewards Terms.

1. Program Overview

The Rewards Program enables Company to accrue “Rewards” based on eligible purchases made with the Engine X Card, which may be redeemed in accordance with these Card Rewards Terms.

2. Definitions

For the purposes of these Card Rewards Terms, the following terms apply:

Administrator: An individual authorized to manage the Company Card Account and act on behalf of the Company under these terms.
Authorized User: An individual granted access to use a Card under the Company’s Card Account, with the ability to make purchases and accrue Rewards on behalf of the Company. Authorized Users must be designated and managed by an Administrator.
Card Account: Your Engine X Card account issued by Fifth Third Bank (the “Bank”), including all associated physical or virtual cards.
Confirmed Booking: A travel reservation (such as hotel stays or other Engine approved travel services) completed through Engine’s platform, for which payment has been processed and confirmed.
- Completed Confirmed Booking: A Confirmed Booking made through your Engine Account where:
  - The booking was not canceled or refunded, and
  - The traveler successfully completed the hotel stay as booked.
- A booking that is canceled, refunded or otherwise not fulfilled prior to the scheduled hotel stay does not qualify as a Completed Confirmed Booking, unless explicitly stated otherwise in these Terms (e.g., in the case of non-refundable cancellations where no refund is issued).

Earning: The process of accruing Rewards based on Qualifying Transactions made using the Engine X Card. Rewards may accrue at different rates depending on transaction type, merchant category, or other factors as disclosed by Engine.
Eligible Travel Transactions: Transactions made through the Engine platform for hotel bookings or other travel services explicitly identified by Engine as eligible for travel-related Rewards. Eligible Travel categories are determined by Engine and may be updated at any time at Engine’s sole discretion.
Good Standing: Your Card Account is in Good Standing when: (i) it is open; (ii) it is not past due; (iii) is not in default; and (iv) is in full compliance with these Card Rewards Terms and other applicable Program Agreements.
Other Transactions: All Card Purchases made outside of Eligible Travel categories, including, but not limited to, dining, fuel, business subscriptions, general merchandise purchases, etc., subject to exclusions described in these Terms. Other Transactions must still meet the definition of a Qualifying Transaction to earn Rewards.
Program Agreements: Collectively: (i) these Card Rewards Terms; (ii) the Engine Terms of Use; (iii) the Issuing Bank Terms and any associated disclosures; and (iv) any applicable privacy policies or program documents governing your use of the Engine X Card and related services.
Qualifying Transactions: Purchases of goods or services using the Engine X Card, minus any returns, chargeback or excluded transactions, that meet all of the following criteria:
- Authorized by an Administrator or Authorized User;
- Processed through a merchant or platform where the Card is accepted;
- Not categorized as ineligible under these Terms (such as cash advances, gambling, fees, etc.);
- Not made while the Card Account is suspended or not in Good Standing;
- Not fraudulent, unauthorized or disputed.

Only Qualifying Transactions are eligible to earn Rewards. Engine reserves the right, in our sole discretion, to determine whether any transaction qualifies as a Qualifying Transaction.

Redemption: The act of applying accrued Rewards.
Rewards: Incentives accrued by the Company based on Qualifying Transactions made using the Engine X Card. Rewards may be deemed in accordance with these Card Rewards Terms and have no cash value. Rewards are not transferrable, refundable or assignable.

3. Rewards Structure

‍Engine may update the categories that qualify for each Rewards rate and disclose such changes through the Engine Platform. The exact reward rate applicable will be displayed in your account dashboard.

Up to 10% Reward Points on Eligible Travel: Rewards of up to 10% may be earned on Eligible Travel purchases made through the Engine platform. Actual rewards rates vary by transaction type and Company profile.
1.5% Rewards Points on All Other Qualifying Transactions: All other purchases made with your Engine X Card, outside of Eligible Travel, may earn 1.5% Rewards Points.

4. Enrollment in Rewards Program

An Administrator can enroll in the Rewards on your behalf as long as you have an Engine X Card Account (“Card Account;” including all associated physical or virtual cards) issued by Fifth Third Bank (the “Bank”) in Good Standing (as defined below). The Bank is not party to, nor has any liability to you under, these Card Rewards Terms. The Rewards Program provided hereunder is independent of services provided by the Bank to you. Engine may also provide other rewards programs unrelated to your Card Account and may aggregate rewards under any such program with the Rewards accrued hereunder.

5. Eligibility

5.1. General Eligibility.

The Rewards Program is offered at our sole discretion and to participate your Card Account must be in Good Standing. Your Card Account is in “Good Standing” as long as you fully comply with, and are not in default under, these Card Rewards Terms, the Issuing Bank Terms between you and Bank, disclosures agreed to as part of opening your Card (including any applicable privacy policies), and the Terms of Use, as each may be amended from time to time (collectively, the “Program Agreements”).

5.2. Card Accounts Not in Good Standing.

If your Card Account is not in Good Standing and you are permitted to make transactions, Engine may suspend your ability to accrue or redeem Rewards until your Card Account returns to Good Standing. If your Card Account is not in Good Standing and your ability to make transactions has been suspended, you will not accrue Rewards and you may not be able to redeem any Rewards until your Card Account returns to Good Standing. If at any time your Card Account is not in Good Standing, your accrued Rewards may be forfeited in our discretion.

5.3. Closed Card Accounts.

If your Card Account is closed because it is not in Good Standing, or for any other reason, or if your Card Account is closed by you, you will forfeit any Rewards, including unredeemed Rewards and Rewards for Qualifying Transactions that have been made but have not yet been credited to your Rewards balance.

5.4. Other Conditions.

You acknowledge that the Rewards Program is a promotional program for which no consideration has been paid to you. Rewards have no cash value and are not your property. Unless and until you redeem Rewards in accordance with these Card Rewards Terms, no right, title, or interest in the Rewards has been conveyed. Rewards are not refundable, exchangeable, or replaceable. The Rewards Program is void where prohibited by federal, state, or local law.

5.5. Use.

You are responsible for how your Rewards are used and you will ensure that all Rewards are used for the Company’s business purposes only and to benefit the Company and not for personal benefit of any individual.

5.6. Suspension or Termination.

Engine further reserves the right to suspend or terminate your participation in the Rewards Program at any time for any reason in Engine’s sole discretion, including, but without limitation, if you (i) violate any Program Agreement or other agreements you may have with Engine or Bank; (ii) owe any past due payments to Engine or Bank; (iii) fail to make any prior required payments owed to Engine or Bank by their applicable due date; (iv) violate or act in a manner inconsistent with applicable law; (v) engage in any misuse, misconduct, or wrongdoing in connection with your Card Account, the Rewards Program, or other services offered by Engine; (vi) structure or conduct Card transactions to manufacture spend, including by engaging in self-dealing (such as using Cards to pay for products or services provided by Company, its affiliates, its beneficial owners, or other persons affiliated with Company); or (vii) engage in any fraudulent or inappropriate use of your Card(s) that is outside the typical usage of a Card. If Engine suspends or terminates your participation in the Rewards Program, you may not be able to redeem Rewards and accrued Rewards may be forfeited.

5.7. Program Limitations.

Participation in the Engine X Rewards Program is not guaranteed and may be limited based on partnership status, contractual obligations or other business considerations at Engine’s sole discretion. Engine reserves the right to enter into specific agreements with certain partners or user groups that may modify or restrict eligibility to earn Rewards under the Engine X Rewards Program. As a result, some companies or users may be ineligible to participate in the Rewards Program, either in whole or in part, based on the terms of such agreements.

6. Migration from Direct Bill Rewards Program

If your Company previously participated in the Engine Direct Bill Rewards Program, any associated reward points or credits may be transferred, converted or otherwise adjusted in accordance with the Engine X Rewards Terms. Any ongoing rewards activity will thereafter also be governed by the Engine X Rewards Terms. The following terms apply:

6.1. Transfer of Rewards and Activity.

Any unredeemed rewards or points from your Direct Bill Rewards Program may transfer in whole or in part to your Engine X Card Account and will appear in your Engine X Rewards balance. Any transferred rewards will retain their prior value and will thereafter be governed exclusively by these Engine X Card Rewards Terms.

6.2. Pending Bookings and Invoices.

Any eligible bookings, invoices, or transactions that were initiated but not fully processed under your Direct Bill account may be migrated to your Engine X Card Account. Such activity will accrue and redeem rewards under the Engine X program once payment and completion requirements are met.

6.3. Continuity of Rewards.

Engine will use reasonable efforts to ensure the proper reconciliation of rewards associated with migrated activity and to prevent duplicate reward crediting. Engine reserves the right to adjust or correct any migrated rewards balances as necessary to ensure accuracy and compliance.

6.4. Program Governance.

Following any rewards migration, all new and migrated reward balances, accruals, and redemptions are subject solely to these Engine X Card Rewards Terms. Direct Bill Rewards program terms will no longer apply once the migration occurs.

7. Modification of These Card Rewards Terms

Engine reserves the right to modify these Card Rewards Terms at any time. Engine will provide you with notice of any material changes in advance of such changes being effective. Engine may provide you with a notice of any such revisions through Engine application or by emailing you at the email address that Engine has on file for you. Your continued participation in the Rewards Program after any change to these Card Rewards Terms constitutes your agreement to be bound by any such changes. We reserve the right to correct inaccurate Rewards values represented on billing statements or our website, at our sole discretion. The Rewards Program may be changed (added to, modified, or deleted) by us at any time, including without limitation amendments to the definition of Qualifying Transactions. Any revisions may affect your ability to accrue Rewards or redeem Rewards.

8. Accruing Rewards

Rewards are earned based on Qualifying Transactions made using the Engine X Card. Among these, Eligible Travel transactions made through the Engine platform earn the highest Rewards rates, as disclosed in your Engine account. All other qualifying transactions may earn a flat reward rate, such as 1.5%.

8.1. Qualifying Transactions.

Only Qualifying Transactions are eligible to earn Rewards. You will accrue Rewards on purchases of products and services with merchants, minus returns, disputed charges, unauthorized charges, illegal or fraudulent charges or refunds, made with a Card by you via an Authorized User of the Card Account (collectively, the “Qualifying Transactions”). Buying products and services from approved merchants with your Card(s), in most cases, will count as a Qualifying Transaction; however, the following types of transactions are not eligible for Rewards will not accrue Rewards:

Any personal, family, or household use;
Balance transfers;
Cash advances or cash-like transactions;
Traveler’s checks;
Currency exchanges;
Money orders or wire transfers;
Lottery tickets, casino gaming chips, race track wagers, or similar betting transactions;
Interest;
Pending, unauthorized, or fraudulent charges; and
Fees of any kind, including an annual fee, if applicable.

Any Card transaction conducted or effectuated while your Card Account is not in Good Standing does not qualify as a Qualifying Transaction, unless otherwise permitted by us. We reserve the right to determine, in our sole discretion, whether a particular transaction is a Qualifying Transaction.

8.2. Eligible Travel Transactions.

Eligible Travel refers to Qualifying Transactions made through the Engine platform for hotel stays, lodging, or other approved travel-related services. These purchases earn the highest available Reward rates (up to 10%), as disclosed via the Engine dashboard. To be eligible:

The travel must be booked directly through Engine;
The transaction must meet all criteria of a Qualifying Transaction; and
Rewards will accrue only after the travel has been completed and payment obligations have been satisfied.

The categories of Eligible Travel are determined by Engine and may be updated at any time. Purchases

from third-party travel platforms or unrelated merchants are not considered Eligible Travel.

8.3. Rewards Rates and Tiers.

You will accrue Rewards for each Qualifying Transaction based on the transaction type and the Rewards rate disclosed through your Engine account. Rewards rates are set by Engine and may vary between:

Eligible Travel Transactions: which earn the highest Rewards rates (up to 10%); and
Other Qualifying Transactions: which generally earn a flat Rewards rate (such as 1.5%).

Engine may also apply different rates based on the Company’s or Authorized User’s participation level or tier. We may provide Company with the option of electing to qualify for tiers for Company as a whole or for each Authorized User to qualify for different tiers. Tier eligibility is determined solely in our discretion and may be changed by us, including retroactively, such as if we suspect abuse. Information about rewards rates and tiers will be made available to you through your Engine dashboard.

8.4. Accrual.

Rewards will occur upon the later of the: (i) date that travel is completed, if the Qualifying Transaction is for Eligible Travel; and (ii) the date which Company satisfies its obligation to pay Bank for the Qualifying Transaction. Rewards will accrue once a Qualifying Transaction has cleared/been completed, unless the booking was cancelled without a refund; in the case of a non-refundable cancellation, Rewards will accrue after the transaction clears even if travel does not occur.. We may round the number of Rewards awarded based on Qualifying Transactions up or down in a manner determined at our sole discretion. We may further condition when and how you can accrue Rewards.

8.5. Rewards Balance.

Engine’s platform serves as the final record of your Rewards activity. This includes the amount of Rewards you: (i) have available for redemption; (ii) have redeemed; and (iii) will be awarded on Qualifying Transactions. Rewards may be aggregated at the Company or at Authorized User level, and be reallocated across Authorized Users, as we may permit.

8.6. Reversal of Rewards.

Engine may reverse or deduct Rewards from the Company Rewards Balance under the following circumstances:

Rewards were inadvertently awarded on a non-Qualifying Transaction, or otherwise awarded in error;
A Qualifying Transaction is refunded, reversed, disputed, or subject to a chargeback.
An Eligible Travel transaction is cancelled and a refund is issued.

If a travel booking is cancelled but no refund is issued (such as in the case of a non-refundable booking),

and the related transaction otherwise qualified, Rewards will not be reversed. Engine reserves the right to

make adjustments at any time to this section.

8.7. Rewards Maximums.

There is no annual or lifetime maximum on the amount of Rewards you can accrue. However, Engine reserves the right to introduce such limits in the future with prior notice, in accordance with the Modification of Terms section.

8.8. Foreign Transactions.

If you make a Qualifying Transaction in a foreign currency, the amount of Rewards awarded will be calculated using the transaction amount after it has been converted into U.S. dollars. The conversion rate is determined by the applicable payment network.

9. Additional Rewards

From time-to-time, we may introduce promotions to allow you to receive Rewards in additional ways. All other promotions will be subject to any additional terms and conditions specified in the terms of the promotional offer and these Card Rewards Terms, unless explicitly stated otherwise.

10. Redeeming Rewards

10.1. Redemption.

Rewards can be redeemed at any time as a statement credit applied to the current balance on your Card Account (“Card Account Balance”) or may be applied to Confirmed Bookings. Rewards accrued based on Qualifying Transactions made in a given statement period cannot be applied to the statement covering such period.. The redemption rate for Rewards may vary depending on the redemption method elected. We may change Rewards redemption ratios or revoke availability of a redemption method in our sole discretion with or without notice. Once you request a Rewards redemption, you cannot cancel or otherwise revoke the request. We reserve the right to reject any redemption request if we cannot verify your identity or Card Account information. You are solely responsible for ensuring that any actions taken by authorized Users or Administrators to redeem Rewards associated with your Card Account do not violate Company policies or rules and any applicable industry practice, ethical obligations, or laws or regulations applicable to your specific business. We are not responsible for unauthorized redemptions of Rewards associated with your Card Account.

10.2. Partial Redemptions.

If your Rewards balance exceeds your Card Account Balance or the cost of the Confirmed Booking, you can only apply your Rewards up to the amount of your Card Account Balance or cost of the Confirmed Booking, as applicable. You may choose to apply only a portion of your accumulated Rewards to your Card Account Balance or a Confirmed Booking at a time. Any portion of your Rewards balance not applied will remain, unless otherwise canceled or expired in accordance with these Card Rewards Terms.

10.3. Other Balances.

Rewards cannot be applied to your other outstanding credit obligations to Bank, Engine or its affiliates, or third parties, except as specified herein.

10.4. Transferability.

Rewards are non-transferable and cannot be redeemed by anyone other than the Company. Rewards may not be transferred or assigned to any other party (including a transfer upon death or as part of a domestic relations matter), and any attempt to do so shall be void and of no legal effect. The sale, assignment or barter of any Rewards, other than by us, is expressly prohibited.

11. Expiration of Rewards

Rewards will expire if, during any rolling 12-month period, the Company has not made any Qualifying Transactions or any completed Confirmed Bookings, and no legitimate pending activity exists. It is the Company’s responsibility to monitor activity and ensure continued eligibility. Eligible Rewards cannot be reinstated.

The following activities will prevent expiration:

Qualifying Activity (Qualifying Transactions or completed Confirmed Bookings)
Legitimate Pending activity (future-dated, non-canceled bookings created within the last 12 months); this ensures rewards are not forfeited while previous bookings are completed.

12. Audits

We reserve the right to audit your Card Account for compliance with these Card Rewards Terms. In the event that the audit reveals discrepancies, the processing of Rewards may be forfeited or delayed until such discrepancies are resolved.

13. Authorization

You consent and authorize us, our affiliates, or any non-affiliated third parties with whom we contract to manage the Rewards Program, to share information about you and the Rewards Program, as necessary, to effect, administer, enforce, service, or fulfill the terms of the Rewards Program.

14. Taxes

Rewards earned under this Program are promotional in nature and have no cash value; Rewards are not considered the property of the Company until they are redeemed in accordance with these Card Rewards Terms.

The Company is solely responsible for any tax liability, including disclosure requirements, related to your participation in the Rewards Program. In some cases, applicable law may require us to report statement credits awarded through the Rewards Program as income to the Internal Revenue Service, as well as state and local tax authorities. We do not provide tax advice. Please consult your tax advisor if you have any questions about your specific business or tax situation.