American Express Credit Cards

American Express is a financial services provider best known for its variety of credit cards. From top notch customer service to attractive reward programs and everything in between, AmEx is a popular choice among consumers all over the world. No matter if you are looking for your first credit card, a business credit card, or something else, American Express can suit your every need.

Help with Choosing an American Express Credit Card

Choosing a credit card is never simple – not even when you know which bank you want to do business with. Although American Express is one of the top names in the industry, you need to narrow your options even further in order to get the card that is best for you and your finances.

The American Express Card, the Gold Card and the Platinum Card are low interest credit cards. These are best suited for consumers who do not usually carry over a balance, but don’t want to be hit with a high interest charge if they do. All of these cards are associated with a comprehensive protection program that includes: travel inconvenience cover, purchase protection, refund protection, buyer’s advantage (extends manufacturer’s warranty up to 12 months for items paid by the card), emergency card replacement, 24/7 online account access, online fraud protection guarantee and express cash.

With each American Express card being linked to a reward program, you are always getting something in return for the money that you spend. Generally speaking, for every $1 you spend your account is credited with 1 point.

Frequent travellers should consider the following cards from American Express: Qantas American Express Ultimate Card, Qantas American Express Premium Card, and Qantas American Express Discovery Card.

• What is most important to you? – Some American Express credit cards are for beginners who are only interested in building credit. Others are for frequent travellers and businesses.
• How much will it cost you every year? – There is nothing better than a credit card with no annual fee. Unfortunately, these are hard to find when dealing with American Express.
• What do I get? – Regardless of the card you choose, it is important to know what you are getting in return. Can you earn points? Can you transfer balances at a low rate?

Pros

• Plenty of options – When you decide to do business with American Express you never have to worry about not finding what you want.
• Low interest rates – Compare AmEx credit cards to the competition and you will soon realise that its interest rates can be quite competitive.
• Market beating reward programs – No matter if you want to cash in your points for travel or items to use around home, there are options that will suit you well.

Cons

• Annual fees are more common – The majority of American Express credit cards have an annual fee starting at $80.
• More difficult to get approved – Not everybody that applies for a credit card from American Express will actually qualify. For example, some of their cards require a minimum annual income of $65,000 or more.