American Express: A Comprehensive Guide
If you’re looking for a credit card that offers perks and benefits, it is a name that you might have come across. Founded in 1850, American Express (also known as Amex) has grown to become one of the most recognizable names in the credit card industry. In this guide, we’ll provide you with everything you need to know about it and its credit cards.
What is American Express?
American Express is a financial services company that provides credit cards, charge cards, and other financial products and services to consumers and businesses. The company is headquartered in New York City and has operations in over 130 countries around the world.
History of American Express
It was founded in 1850 by Henry Wells, William Fargo, and John Butterfield as a delivery service company. Over time, the company expanded its services to include financial products and services, such as traveler’s cheques and credit cards.
American Express Credit Cards
It offers a wide range of credit cards, each with its own set of benefits and rewards. Some of the most popular American Express credit cards include:
The Platinum Card
The Platinum Card is a premium credit card that comes with a high annual fee but offers a range of benefits, including airport lounge access, travel credits, and elite status with hotels and airlines.
The Gold Card
The Gold Card is a mid-tier credit card that offers rewards on dining, travel, and other purchases. Cardholders can also earn a travel credit and have access to exclusive events and experiences.
The Green Card
The Green Card is a basic credit card that offers rewards on everyday purchases. Cardholders can also take advantage of exclusive offers and benefits from select merchants.
Benefits of American Express Credit Cards
Their credit cards come with a range of benefits and rewards, including:
Most of their credit cards allow cardholders to earn rewards points on purchases. These points can be redeemed for travel, merchandise, gift cards, and more.
Many credit cards come with travel benefits, such as airport lounge access, travel credits, and elite status with hotels and airlines.
Their credit cards offer purchase protections, such as extended warranty coverage, purchase protection, and return protection.
How to Apply for an American Express Credit Card
To apply for an American Express credit card, you’ll need to:
- Visit their website and browse the available credit cards.
- Select the card that best fits your needs and click “Apply Now.”
- Fill out the application form with your personal and financial information.
- Submit your application and wait for a decision from it
American Express is a well-known name in the credit card industry, offering a range of credit cards with benefits and rewards. Whether you’re looking for a premium card with exclusive perks or a basic card that offers rewards on everyday purchases, American Express has a card that’s right for you.