American Express credit cards are issued at a MasterCard or Visa compliant network. They are accepted at over 1000 stores worldwide including the major department stores and supermarkets, and at the same time they have an option for online purchases. This company has four different card types which are Gold, Silver, Platinum, and Diamond. They also offer two other types of cards that are the Everyday Visa and the Student Visa.
The Gold card is the most common American Express credit card, it has a reward program and offers a low interest rate. Every dollar that you charge on your card you earn points that can later be exchanged for gifts or air miles. The Rewards cards however usually do not earn miles but instead you get cash back just for using your card. You have to make sure that you use your credit card regularly and pay off your balance in full every month. The downside is that this card does not have the security features of other cards such as the Secured Credit and the secured spending account.
The Silver card is the most versatile American Express credit card. It offers rewards on many forms of spending and is accepted at most places that accept Visa and MasterCard. One great perk of this card is that you will be able to earn a traveling points system that is based on your credit cards spending. The cards earn points that can be redeemed for free airline tickets, rental cars, and even hotels. This type of credit card is the best one if you travel a lot since it gives you lots of flexibility.
The Platinum card is the most elite of the American Express credit cards. You get excellent features and benefits with this card including points programs and cash back for shopping. This card is accepted at all major retailers around the world and also works with the participating retailers Visa and MasterCard. The drawback of this card is that it has a higher annual percentage rate than other cards, but there are some incentives you can earn.
The Gold card is one of the most popular American Express credit cards. You get the same benefits as with the Silver card, such as discounts on airfare, hotels, and rental cars. However, the benefits do not stop there. You will also receive cash back from every dollar you charge to this account and you will get a certificate for shopping at the BonusPointsMall.
Last but not least is the Green card. This credit card is good for people who want to make environmentally friendly purchases. The purchase price of the product does not matter, only that the amount is green. These cards give points for every dollar that is spent and an annual fee is not required. The annual fee is very low compared to the other American Express credit card types, making this card one of the best options for those who are environmentally conscious.