American Express offers the best credit cards along with their partners. It is also known as the Amex card, they make their card available to anyone including credit card beginners, casual travelers, road warriors, and business travelers. An American Express credit card is an electronic payment card branded by the publicly traded financial services company American Express. However, it is one of the few financial service companies that issue and process electronic payment cards. Also, one of the features that make it stand out from its competitors in the industry is that American Express offers both credit lending and network processing services.
Furthermore, American Express is capable of issuing credit products that it makes possible in form of charge cards and credit cards. It now competes with MasterCard and Visa. Its main competitor is Discover Financial Services because Discover also offers both credit card lending and a processing service network. However, American Express earns its revenue from issuing credits and processing transaction services.
Also, it has been accepted in over 130 countries with over 100 million cards in use. American Express payment method is a safe and fast credit card payment method. Hence, American Express is accepted all over the world, even by merchants from different places.
Types of American Express Credit Card
American Express credit cards are offered to both retailers and commercial customers. Being the lead in the industry it provides charge cards that offer monthly credit with a card balance that be paid off monthly. American Express offers different types of cards to choose from, check the list below:
Blue card preferred:
it offers bonus category rewards and is one of the top-rated cash back cards. new members are given the opportunity to earn a $300 statement credit after spending $3000 on purchases within the first 6 months of having the card. Cardholders will earn cash back on most bonus categories at a rate unmatched by most other cards. you can get your cash back by setting up monthly bills to be paid for by the card with the American Express blue card you can receive access to exclusive ticket presales and card member-only events with the American Express experience. Travelling will also be easy because when you travel more than 100 miles from home Global assistance Hotline is available 24/7 for any medical and other financial needs.
American Express cash magnet
The American Express cash magnet provides an increased cashback rate on all purchases with your card. New cardmembers can earn up to $200 as a statement credit after spending $1000 in purchases within the first three months of card membership. Cardholders will earn cash back at a rate of 1.5% on all purchases made with the card. This card is for those looking to avoid category-specific reward rates but earns a higher than average cashback instead.
American Express Gold Card
Cardmembers can earn points on various bonus categories which include dining, groceries, and flight booked through Amex. After spending $4000 on purchases in the first six months of the card, you are welcomed with a bonus reward of 60,000 membership reward points. The American Express Gold Card is the top-rated travel card. When you make use of the annual dining credit, the value you will need to earn each year to cover the annual fee would be lowered to $130.
Delta SkyMiles Platinum American Express Card
This card offers several bonus category rewards and other additional benefits. New cardmembers can earn 50,000 bonus miles and 5,000 Medallion Qualification Miles after spending $2000 in purchases on the card within the first 3 months. One of the many benefits of this card is cardholders can make foreign transactions with no fees. This type of card is excellent for those that travel multiple times a year with Delta.
Hilton Honors American Express Aspire Card
This is a top-rated card Hilton credit card. The reward opportunity is amazing but comes with a cost. Cardmembers earn 150,000 Hilton honor bonus points after spending $4000 in purchases on the card within the first three months. However, the costly fee can be covered if you frequently stay and spend at Hilton resorts and take advantage of the credit opportunities offered via some added benefits.
How to Apply for an Express Card
To apply for an American Express credit card some documents are required before you get an Express card:
- An identity proof issued by the government is like a driver’s license or a passport.
- Proof of income
- Proof of address
- Passport size photograph
To apply online:
- Firstly, go to the company’s official website
- Choose the type of credit card you wish to apply for based on your requirement
- Then, click on Apply online option
- A one-time password is sent to your registered mobile phone
- Use this OTP to proceed
- Enter your personal details
- Select Apply
- And proceed
However, you can also apply offline by visiting the nearest bank and meeting the credit card representative. They will help you complete the application and chose the right card.
How to Make Payment with an Express Credit Card
- After completing the order
- Then, choose the American Express payment method
- On the payment screen, you can change the language if you want
- Enter your personal details and card details
- Then, click the pay now.
- You will be directed to the additional AMEX 3D secure verification
- After confirming the security check the transaction will be made.