Few credit card companies provide exclusivity like American Express. An American Express credit card in hand transports you to a different league. Cardholders benefit from premium travel experiences, incredible live events, and exquisite fine dining experiences.
American Express is both a network and a credit card provider. Although American Express credit cards aren’t as widely accepted as Mastercard and Visa, the perks make up for it. You’ll not only benefit from world-class travel perks but also their unique rewards program.
American Express offers 20 credit cards, six of which aren't attached to external partners. They also offer business credit cards and co-branded credit cards linked to their partners. As for their rewards credit cards, they provide cashback cards and flexible rewards cards.
It’s no secret that American Express credit cards have generous benefits. The welcome bonuses are lucrative, with new Platinum cardholders earning up to 110,000 points. You’ll also benefit from insurance packages containing:
Most American Express credit cards have premium perks beyond insurance and points. This includes Front Of The Line® Presale & Reserved Tickets with American Express® Experiences. You can easily book tickets for special live events worldwide
with this service.
Through the American Express Fixed Points Travel Program, a travel ticket booking service is available to Cobalt cardholders. Platinum cardholders have access to the American Express concierge service 24/7 to make reservations at restaurants and more. Besides these perks, American Express offers an exciting rewards program.
The American Express Membership Rewards program is available to both top-tier and entry-level credit cards. You can earn these rewards with each credit card:
You can redeem the points you earn for travel-related purchases, including hotel stays, car rentals, flights, and vacation packages. Besides travel, you can redeem points for gift cards, statement credits, transfers to other loyalty programs, and charity donations.
Being an American Express credit card holder can be delightful, but there are some disadvantages. Consider the following benefits and drawbacks of American Express credit cards.
Make your money do more.
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American Express offers credit cards affiliated with AIR MILES, Marriot Bonvoy, and Aeroplan. The co-branded credit cards for these loyalty programs are suited for frequent travellers.
There are three tiers of American Express AIR MILES credit cards available. And there are two kinds of American Express Aeroplan cards.
While each credit card has a specific credit score requirement, a credit score of 660 or more is recommended. This will ensure your credit card application is approved.
Yes. American Express offers three no annual fee credit cards. This includes the American Express Green Card, the American Express Essential Credit Card, and the SimplyCash Card from American Express.
Of the three, the American Express Green Card is arguably the best. It offers a return of up to 2% on your spending.
Absolutely. You can start an online application when you visit the American Express website. Note that you’ll need to provide information about your employment and your current and previous addresses. American Express will also run a hard credit check to determine if you’re eligible for the credit card.