The American Express Card, for many is a card for business or for the wealthy. Nothing can be further from the truth. American Express offers credit cards for just about everybody with programs that are very flexible and beneficial to all card members.
Let us talk more about the types of programs American Express offers. There are two different types of American Express cards. One is the American Express charge cards and the other is the American Express credit cards. The charge card gives you an unsecured line of credit that you must pay off in full every month and requires an annual membership fee of $50. An American Express credit card is just like any other credit card that lets you pay off your balance over time with an APR that is competitive to most lending institutions.
There are many benefits in owning an American Express credit card. The card that is right for you depend on the benefit that you are looking for. Let’s talk about the different programs they have.
With American Express Blue, you can get a card with many benefits
For those out there who don’t want to pay annual fees and like cash back rewards, American Express has a card for you. It’s called Blue. Blue offers the following features:
- No annual fee
- Cash back on most purchases
- Online purchase protection
Blue is a very accessible American Express credit card. It eliminates the illusion some people might have that American Express is only for the wealthy or that you can’t carry balance. This card is for people who like to get rewards but hate annual fees. And it is a credit card, so you can pay it off over time.
American Express credit cards for travelers
American Express credit cards offer a wide range of benefits for travelers. A main reason so many business owners and travelers get the America Express card is because it gives them automatic flight insurance and baggage protection. In addition, it offers things like roadside assistance if you are more than 100 miles from home, and other travel-related benefits.
These benefits come with many of the American Express charge cards. But if you want a credit card, the Blue Sky from American Express might be something to look into. This card lets you redeem points to save on any airlines. In addition, there are no blackout dates and no travel restrictions. This card is right for those who want travel benefits without having to pay off their balance every month.
As you can see, American Express has many cards to choose from. These cards all have their own features. Some of them even offer a balance transfer option when you first apply. And with the American Express credit card, you can get additional cards on the same account—perfect for families.
It's easy to see why so many people enjoy the benefits an American Express credit card offers. It offers something for everyone’s taste. Whether you are looking for a good reward program credit card, a gold card, a smart credit card, or a charge card, American Express has many cards to choose from. |
