You have probably heard of the American Express credit card, especially if you have had any dealings with it in the past. This credit card offers a variety of rewards and benefits to anyone who uses it. The rewards are not just for cash use though; they also come in the form of travel miles and merchandise gift cards. The only thing this credit card cannot offer you is an annual fee. With that said, lets take a look at this card and see exactly what American Express has to offer you.
American Express offers you a variety of different rewards programs. The rewards offered by this card can earn you quite a bit of money over time. For example, one of the biggest advantages to having an American Express card is the cash back program. If you do business with a lot or travel a lot, you can earn back quite a bit of your purchases with the cash back program. In order to get the most out of this cash back program, you should always make purchases using your card.
American Express offers great customer service as well. When you apply for an American Express credit card, you will find that you are assigned a customer service representative who will help you through the process of applying for the card. One of the best features of this credit card is the insurance provided to you. This insurance plan will pay any expenses you have incurred due to theft or damage to your property.
One of the best features of American Express credit cards is the no annual fee feature. This can be very helpful if you tend to rack up a lot of charges on your credit card throughout the year. However, this fee is only applicable to the first year that you have this card. After the first year, you will no longer be able to apply for an American Express credit card without paying an annual fee. This can prove to be quite a nuisance, especially if you travel a lot. However, this will serve you well in the future, as you will be able to keep track of your spending and perhaps even pay off some of your debts!
There are a number of different perks available to you when you apply for an American Express credit card. You may find that you are given good interest rates, plenty of rewards, and even an emergency help line that are available twenty-four hours a day. If you find that this type of credit card fits in with your lifestyle and you use it regularly, then you should definitely consider applying for it. If not, you should definitely look at other options! No matter which credit card you choose, you will find that there are many perks to consider.
The perks offered by American Express credit cards do vary a great deal from one company to the next. Therefore, you should shop around before you apply. Also, make sure that you read all of the terms and conditions contained on any application to make sure that you are getting what you want. If you are wondering whether or not you are getting a good deal, you will want to take a look online at reviews. You will probably be surprised at how honest people can be on these websites!