Most people think that American Express credit cards are costly to own, but in my opinion the cards are some of the most value for money credit cards out there. And here are some reasons why.
No Annual Fees
Almost all American Express credit cards come with an annual fee. But this may surprise many people as there is in fact an American Express credit card that has zero annual fees – the American Express Essential Card.
The Essential card is a great card if you are worried about paying annual fees. With no annual fees, it is the perfect card to get so you can take advantage of the many benefits of being an American Express customer.
Sign up now: American Express Essential $0 Annual Fee Credit Card
AMEX Membership Rewards
You can earn a range of 1 to 5 Membership Rewards points for each dollar you spend, depending on your card and any promotions which American Express might be running. And unlike other membership reward programs, these points do not expire and last as long as you remain a card holder.
And what can you these points for? Besides being able to convert them to 8 different airline miles/points, you can use them to pay off your spend, redeem for gift cards and use for travel. More on how you can use them for travel below.
AMEX Offers
AMEX Offers saves you money on some of the biggest and best brands. Simply save the offers you want to your card, spend with that brand using your registered card and watch the savings add up as credits on your account.
With AMEX Shop Small, a monthly event which happens twice a year, American Express supports small business by offering $10 credit back for $20 (multiple times for the month) spend on small business who accept American Express card payments.
Travel Credit and AMEX Travel
Besides being able to convert your Membership reward points to airline miles/points so you can redeem flights, some cards like the American Express Platinum Edge credit card give you travel credit every year. These cards usually have an annual fee but if you travel at least once a year, using the travel credit effectively makes the card free.
Sign up with this link and get bonus 10,000 points: American Express Platinum Edge Credit Card
You can redeem the travel credit on the AMEX Travel website, where you can pay for flights, hotels and car rental. With AMEX Travel, you can also use your points to pay for your travel expenses, with some of the most generous points to dollar conversions out there.
Tap to Pay
American Express has support for all the major tap payment platforms – Apple Pay, Android Pay and Samsung Pay. Just add your card to your phone and enjoy the convenience of tapping to pay.
Free Supplementary Cards
Most American Express credit cards allow you to apply for up to four additional supplementary cards. These supplementary cards can be given to your spouse, children or parents. And the best thing is, these supplementary cards can be used to register for their own AMEX offers! So you will be use the offers multiple times in some cases.
Great Customer Service
American Express has a reputation for world class customer service and in my personal experience this is absolutely true. Any problems I have had in the past has been resolved quickly and with no fuss. In fact, they do go out of their way to make sure their customers are satisfied.
If your card is lost or stolen, rest assured because American Express can usually have it replaced within 48 hours, virtually anywhere in the world as they have a worldwide presence.
Peace of Mind
American Express also has great security and fraud protection which do not hold your liable for unauthorised transactions. Not only that but depending on which card you use, American Express also offers (with conditions, read the fine print):
- Purchase Protection – if an item is stolen or breaks within 90 days of purchase, it can be repaired or refunded
- Buyer’s Advantage – extends the manufacturer’s warranty by up to 12 months
- Refund Protection – if you have a change of heart and are refused a refund on an unused item within 90 days of purchase, you will be reimbursed
- Smartphone Screen Insurance – if you accidentally break your smartphone screen
With some cards you also get travel insurance included when you purchase your travel tickets with your card.
So what are you waiting for? Sign up now!
- American Express Essential $0 Annual Fee Credit Card
- American Express Platinum Edge Credit Card (10, 000 bonus points)