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 Home > What You need to Know About American Express Credit Cards

American Express Credit Cards American Express was of one of the card issuers that pioneer the credit card reward programs. It now offers many types of reward credit cards - from travel reward to cash back. Most of the cards by American Express now don't charge annual fees for reward programs. And for those cards that require annual fees, the reward benefits are typically better and need a good credit standing to apply. Annual fees are usually waived for the first year...

Found in 1850 American Express has been serving consumers for more than a hundred year. Today, American Express offer wide range of products worldwide. If you are thinking of apply for a AMEX card, there are just too many to choose from, and can be quite confusing if you are new to AMEX cards.

We can first break down American Express cards into 2 big categories: Consumer and Business.

For consumerís cards, the most popular card is Blue Cash from American Express. The key benefit of the Blue Cash Card is that it offer you up to 5% cash back and there is no limit on how much cash back you can earn. The 5% apply on purchases made in supermarkets, gas stations, and drugstores. And everything else gives you up to 1.5% cash back. So, whatever you buy, it has a cash earning potential. Best of all you can add additional cards for your family member to reach even higher cash back earning power. And there is hassle when receiving a rebate check. The cash back will show up a credit on your credit card statement a month following the card anniversary. No check to cash, no need to visit ATM.

In addition to the cash back benefit, like every other American Express card, the Blue Cash comes with a list of purchase protection that will make your shopping experience online and in store more comfortable. Your purchased items are protected against theft, loss, and accidental damage for up to 90 days from the date of purchase at no additional charge. That's a peace of mind every shopping is looking for!

For business cards, American Express offers some of best services. For example, the Business Platinum Card gives you complimentary coach airfare on US flights 4 times a year. As a card holder, you will also have free access to 950 Internet-equipped business lounges worldwide. If you travel a lot, you can also access airport lounges worldwide. that is normally reserved for first class passengers.


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