Friday, October 17, 2008

The American Express Card: Is it Right for You?

What do you think of when you think of American Express? Do you think of a credit card only for the wealthy? Or maybe a credit card out of reach for the common person? Actually, American Express offers credit cards for just about everybody.

There are two different types of American Express cards. There are American Express Charge Cards and 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.

American Express credit cards offer its members many rewards. The American Express credit card that you will want will depend on what you are looking for.

American Express Credit Cards for Travelers

American Express credit cards offer a wide range f 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 Delta Skymiles American Express Card might be something to look into. This card gives you one frequent flyer mile on Delta for every dollar spent. In addition, it gives you double points on all purchases at gas stations, grocery stores, post office, and other places. This card is right for those who want travel benefits without having to pay off their balance very month.

With American Express Feeling Blue is a Good Thing

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 these features:

  • No annual fee
  • Cash back on most purchases
  • Online purchase protection

Blue is a very accessible American Express credit card. It shatters the illusion some people might have that American Express is only for the wealthy. 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.

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. The one you choose will be up to you.

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