American Express Credit Cards
As a leader in the credit card and financial services industry, American Express features a wide offering of both credit cards, and charge cards alike. That may sound a bit redundant, but it really isn’t. The difference between a credit card and a charge card lies in the fact that credit cards allow you to carry monthly balances, while charge cards must be paid in full at the end of each billing cycle. American Express has an established, well respected presence in the financial services industry. They understand what the customer needs, be it a small business, large corporation, or individual consumer.
American Express credit cards are well respected in the financial community. They have served consumer and business needs, both large and small, with distinction. The very name, American Express, is one of the most recognized company names in the world.
As you can see there is no shortage of choices and options to consider. There are cards designed to fill the specific needs of consumers depending upon what their priorities are. Both small business owners and individual consumers have many options to choose from.
Before you select an application to apply for it is suggested that you take the time to carefully review the details of each and every offer. Do so with your specific credit needs in mind. You also want to weigh the various rewards options as well.
Anytime a consumer want to apply for a credit card they must take into account what that card will cost them. The cost of credit on a credit card lies in the annual percentage rate (APR) and fees.
The annual percentage rate is the interest rate that is charged on balances that are carried from one billing cycle to the next. If it is a charge card then all payments are due in full each and every month.
Fees come in many forms. As you will note, some cards have annual fees and some do not. Other fees that may or may not be applicable include cash advance fees, balance transfer fees and penalty fees, in some cases, if the terms have not been met.
Rewards programs have become wildly popular over the past decade. American Express credit cards offers some of the the most generous rewards in the industry through their Membership Rewards program.
Account holders can earn bonus points, cash rebates, travel rewards, shopping rewards and access to special events depending upon which card they have and what programs are included with it.
Account protection against unauthorized use is one of the protections that Amex cardholders enjoy. Take the time to look over the offers and review the details. We are confident that you will find a card that will serve your financial needs very well for many, many years to come.
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“Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author’s alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.“
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