Best Amex Credit Cards

Written by Robert Ferry on June 15, 2022
Best Amex Credit Cards

American Express cards are known for their exclusivity and luxurious benefits relative to other credit cards in the industry. The high-value perks of Amex cards are something that all the company's customers can vouch for. Moreover, the company's customer service department has received tremendous reviews from AMEX users.

American Express is known for its premium travel cards that users can opt for, but the company has co-branded with famous brands like Hilton and Delta, where people can get discounts. Furthermore, the company also offers cashback cards that can be used at various places like restaurants, grocery stores, hotels, etc.

American Express card users will need to pay for the card's worth and the benefits that fall with it. AMEX cards are perfect for those who understand the card's value and would use it to balance the cost they had to incur to get it. If an individual can capitalize on the perks on which the card is based, they will suit perfectly in the AMEX cards family. For instance, the AMEX credit cards can take advantage of premium hotels, VIP access at the airport, etc.

Financial experts continuously advise new credit cardholders to know about the credit card company from whom they are getting the credit card. To see whether the card aligns with your wants and needs, individuals need to look into the card's rewards categories, purchase costs, hidden charges like APR, etc. More importantly, card users must carry out due diligence at their end to ensure that the card fits their spending habits perfectly.

Individuals should observe the card by looking into those categories where they will use it. So if the card offers those benefits like Cashback or discounts, they should purchase it. In contrast, if those categories do not affect whether the individual will use the card to make the payments, then it is not advised to choose a particular credit card.

For some people, paying the cost of the card like a hefty annual fee is not an issue as the card provides them with benefits that cover the expense incurred. However, some people would like a card with a minimal annual fee and offer a 0% introductory offer. For such people, the card must offer them perks that fit the minimal expense they have to pay. Hence, people have various reward structures that they prefer when looking for a credit card.

The guide will discuss the various benefits and features that American Express offers its cardholders. The benefits and drawbacks of holding an AMEX credit card will also be covered. The guide will cover the people who will use an American Express credit card. The article will discuss the elements that form a basis for choosing the best American Express credit cards. A FAQs section will be added to answer general questions about AMEX cards.

Features of American Express Credit Cards

The American Express cards offer several premium-level features to the people, making them the best-sought credit card in the industry. The following are the features that an AMEX cardholder would enjoy:

Payment Flexibility Plans

The 'Pay it, Plan it' is a flexible payment feature introduced by American Express for its cardholders. The feature is unique from other cards in the industry for several reasons. Through the 'Pay it' feature, cardholders can pay particular dues up to $100 any time before their statement's due date to pay the bills. The 'Plan it' feature allows cardholders to opt for monthly instalments for specific purchases over the $100 bill mark.

A good thing about this feature is that the cardholders will not accrue interest over time on the purchases made using the card. Instead, the cardholders will be prone to monthly payments that follow a fixed payment schedule. The cardholders will be subjected to $0 intro plan fees for up to one year, but after that time, an intro plan fee of 1.33% would be charged on each purchase.

The famous AMEX cards people use are Platinum Card, American Express Gold Card and the American Express Green Card. Before, these cards would come under the category of charge cards; however, they have now become a hybrid with the introduction of the 'Pay overtime' feature. Through this feature, the cardholders can carry the balance they must pay to the company for certain charges. The card limit will remain intact and flexible, and this feature won't affect the card.

American Express Membership Rewards

Through the AMEX membership plan, customers can gather points with the purchases they make using the card. These points can be redeemed for travel rewards, gift cards, or to cover the recent credit charges. However, the best value a person can receive from these points is if they are used for travel purposes to pay for hotel stays or travel miles.

Since the AMEX cards have no limits, they can be used to make small, medium, and large purchases. Through each purchase, the cardholder will be adding valuable points. The points can be earned on everyday purchases made through the card, and since there is no expiry date on the points, they can be redeemed anytime the person wants.

In an era of points and miles, American Express Membership reward cards are considered a goldmine for travellers who understand this valuable currency's worth. Through this Membership Rewards loyalty program, cardholders can transfer their points to other AMEX cards specifically used for travelling or lodging. The reward points can be used for shopping and making charitable donations. 

Pros and Cons of American Express Credit Cards

In the previous section, we looked at the features of American Express cards. Here, we will discuss the benefits and drawbacks of owning an American Express credit card.

Pros of AMEX Credit Cards

The following are the pros that an American Express Cardholder would enjoy:

Wide Consumer Base

American Express is ranked first in customer satisfaction among card issuers which are primarily why it has a huge customer base. Moreover, the company offers a variety of credit cards, each with a unique purpose for which it can be use. Each card comes with various rewards schemes and perks like Cashback, reward points, and discount offers in some hotels and airlines. On top of that, AMEX also offers premium travel cards that can be used to travel, and users can earn travel miles that can be cashed at any time.

Since the cards offered by the company have different purposes, all consumers get attracted to the AMEX credit cards. These cards can be used for everyday expenses like paying for groceries at the supermarket, for business purposes, and more.

Loyalty Perks

American Express is known for its Membership Rewards program, where customers can earn loyalty points and use them on several occasions. For instance, they can cash the points in those top hotels and airline brands with which the company has some affiliation. Moreover, purchasing such brands gives the customers an additional opportunity to earn extra rewards through their credit cards.

Affordable Options Available

People approach American Express and buy its offer credit cards because of its reputation for offering affordable prices. For example, people will not have to pay a hefty annual fee to purchase a credit card as the company offers multiple choices with no annual fee cards. These cards come with rewards like cashback offers and a welcome bonus that further attract people.

Cons of AMEX Credit Cards

The following are the cons of American Express credit cards:

High Annual Fees

Some AMEX credit cards have a high annual fee because of the perks the card offers to the cardholder. The company believes that the features of the card match the annual fee asked to pay by the customer. However, customers can be of a different mindset, and some people would not like to spend such a hefty amount. As a result, the huge annual fee will scare some potential customers in the market looking for a credit card. Higher annual fees also mean that a cardholder must treat it as an expense like another financial burden.

Limited Redemption Opportunity

Some cards offered by American Express do not give freedom to the cardholder to spend and receive money. Such cards come with statement credits limiting how a cardholder can spend and receive money. Such restricted redemption opportunities give rise to frustration and thus results in a bad review for the company.

High approval threshold

Most American Express cards have stringent approval requirements, such as having a good or excellent credit score on a FICO scale. This would mean that customers with average or poor credit scores don't stand a chance to be even considered to have an AMEX credit card. Thus, this reduces the number of customers applying for a credit card.

Who Should Apply for an American Express Credit Card?

The company designed the credit cards it offers to attract a wider consumer base and increase its business's profitability. Since the American Express credit card offers various options, various customers can apply for a credit card. Let's take a look at each consumer party one by one.

On-The-Go Families

Certain families are hard-pressed, requiring a credit card that can be used for everyday purchases to buy groceries and food items. American Express introduced the Blue Cash Preferred card to add value to everyday purchases. The card offers great features in dining at a restaurant, making purchases at supermarkets, and other reward offers. Such rewards align with the family's requirements. These cards turn out to be useful regardless of whether you live in a bustling city or a countryside place.

Luxury Travelers

As the name suggests, luxury travellers are those that would prefer to travel in style and convenience even if they have to pay a hefty annual fee of $695 for using the prestigious American Express Travel Credit card. For instance, The Platinum Card by American Express is renowned for the travel rewards it brings to the cardholders. The company has linked the card with the best airlines and hotels worldwide that will offer rewards like discounts and Cashback. Luxury travellers will find this card useful as it will maximize their travel experience by bringing luxury into the equation.

Occasional Travelers

Apart from luxury travels, some would not like to travel in such convenience or spend such a hefty amount on their vacations. Some people would like to travel but do not use the card too often to redeem the points. The Gold card is perfect for such people as it offers features and perks that match the occasional traveller's requirements. The card is the best value when used at supermarkets and restaurants in the United States. This would also mean that travellers who prefer to go on domestic vacations can get 100% rewards from the card.

Business Travelers

American Express also offers credit cards for business travellers. For instance, the Business Platinum card is perfect for cardholders who want to travel in luxury and can pay for it. Businesses are most likely going to travel a lot and spend a lot of their time at a different airport, and for lodging, they would need a hotel with all the luxurious facilities they require. So to make the experience more enjoyable, the Business Platinum card is linked to top hotels around the globe, and the customers can enjoy the VIP lounge section at the airports.

How Can a Person Apply for an American Express Credit Card?

People can go to the American Express website and sign up as new users. You can log in to your account if you are an existing user. Through a prequalification tool, customers can know about the credit card for which they will receive approval from the company. However, this prequalification is only an estimate; it does not guarantee that the customer will be approved for the card.

People will need to provide their personal information like name, social security number, and permanent mailing address at the time of registration. Prospective cardholders must enter their employment information as part of the sign-up process. People under the legal age of 18 years old will not be approved for a credit card. People above the legal age of 18 would need to show evidence of work or can apply with the help of a cosigner.

American Express Pre-Approval

The American Express cards have a pre-approval phase where prospective customers would know for which card they qualify. The bank will always send a pre-approval offer for another card the user is not using based on the responsible payment behaviour of the individual. People who do not pay their dues on time for one card will not receive a prequalification offer for a new card.

The American Express card has offered a feature for customers who want to know about the prequalification offers. To carry out a prequalification, the company will run a soft pull on the prospective customer, which will not hurt their credit score. Through the prequalification feature, users will understand where they lack and need to improve before applying again for the card soon. This provides an individual with important knowledge about their financial situation and builds up confidence for the next time they apply.

Factors to Consider Before Choosing an American Express Credit Card

This section will discuss the factors a person should consider before purchasing an AMEX card. Since AMEX offers a variety of credit cards, so selecting one would require going through certain factors and checking which one would fit perfectly. They include the following:

Rewards

A prospective credit cardholder would need to check the rewards scheme the credit cards offer before deciding. The rewards are an added benefit that brings convenience to the cardholder's life. For instance, through cashback rewards, a person would be earning while spending at restaurants, supermarkets, etc. People must check for other rewards like travel miles, hotel discounts, etc.

Perks and benefits

Every American Express credit cards offer additional benefits and perk that are listed when a person signs up for the card. These benefits will include travel and luggage insurance, extended warranties on the purchases made through the card, and financial management tools. But only a handful of people read the whole document and are unaware of the hidden benefits. To know more about such benefits, a person should ask a representative from the company for further information.

Annual Fee

One of the initial things that a person should consider is if the card charges an annual fee. While the company does offer some cards that have zero or minimal annual Fees, there are some cards with extraordinary Fees. Such hefty fee cards are worth the expense as the company charges the cardholders for the services the card brings. Nevertheless, the prospective cardholders should check in about the Annual Fee. 

Introductory offers

Introductory offers are limited to a person's welcome bonus after claiming the card and fulfilling the appropriate requirements. People need to look into the welcome offer from the perspective of how much value it will add to the card and the total cost a person would be incurred on that card. A comparison of the benefits and costs will clear things out.

Variable APR

The card's annual percentage rate is important to compare with other cards offered by American Express. The higher the APR, the more interest a person would have to pay. So it is better to go with those cards that offer low APR rates. However, if a person decides to go with a higher APR card, it is better to draw a comparison with other AMEX cards to get a clear picture.

Foreign transaction fee

The foreign transaction fee is the amount the person would need to pay if the card was used to buy something outside the country of origin. Usually, the foreign transaction fees are 3%, but the lower the fee, the better. Some AMEX cards do not charge any foreign transaction fee, which is also ideal. However, a person would need to look into the features, costs and rewards to make a final decision.

Best AMEX Credit Cards

Amex Credit Cards are well-known for their amazing features, unique rewards, and exceptional designs. AMEX cards enable consumers to get massive benefits, including travel expenses, rewards, and getting rid of debt. AMEX credit cards come with different offers and benefits with similar plans like payment flexibility plans, membership rewards, and exclusive deals and offer AMEX. Some AMEX cards offer low or no annual fees, with some annual charges. The next section will cover The best AMEX Credit Cards that offer low fees with great features.

Blue Cash Preferred Card

Blue Cash Preferred card is considered the best cashback card from American Express. It is rising among other Amex cards due to its high rewards rates in the U.S market. It offers high rewards rates on purchases like transit and U.S streaming subscriptions, and U.S gas station purchases. Users, especially families, can get high cashback rewards by using Blue Cash Preferred Card on daily spending.

The following are the features offered by the Blue Cash Preferred card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: It charges 0% intro purchase APR for 12 months from the opening date.
  • Intro Balance Transfer: N/A
  • Variable APR ranges from 14.74 % to 24.74 % in the trial period.
  • Rewards: It offers 6% cash back on purchases and U.S streaming subscriptions, 3% cash back on transits and U.S gas stations, and 1% cash back on other purchases.
  • Annual Fee: It charges a $95 annual fee.
  • Foreign Transaction Fee: 2.7 %
  • Welcome offer: It offers a $350 statement credit in the first six months if you spend $3,000 on purchases.

Pros include the following:

  • It offers amazing Cashback on gas, streaming subscriptions, and transit purchases.
  • It offers warranty advantages and purchases and returns protection.
  • It provides a membership of ShopRunner.

Cons include the following:

  • It lacks low-cost offers such as warehouse clubs and big box stores.
  • Balance transfers are not available.
  • It lacks high rewards redemption offers.

Gold Card

The American Express Gold Card is the best credit card that offers grocery and dining rewards. It offers high rewards rate, valuable benefits, and more than $340 annual credits for consumers of eligible dining, Uber usage, and hotel purchases. Compared to Amex's other travel cards from American Express that provides high rewards cards, the Amex Gold card is the best choice for earning bonuses and rewards alongside benefits on airfare and hotel stays.

The following are the features offered by the Gold Card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: N/A
  • Intro Balance Transfer: N/A
  • Variable APR ranges from 16.74 % to 23.74 % in the trial period.
  • Rewards: It offers 4x membership reward points on delivery, takeout, restaurants, U.S. Supermarkets, and 3x membership rewards points on flights with airlines.
  • Annual Fee: It charges a $250 annual fee.
  • Foreign Transaction Fee: None
  • Welcome offer: It offers a $350 statement credit in the first six months if you spend $3,000 on purchases.

Pros include the following:

  • It offers rewards rates on groceries and dining with only one card, 3x points on flights, 4x points at U.S markets and restaurants, 2x points on rental cars, and 1x reward points on other purchases.
  • It offers annual credits of more than %100 for the hotel and $120 for dining.
  • It offers protection for shopping and travelling along with a ShopRunner membership.
  • It provides an annual bonus credit that is equivalent to that of annual fees.

Cons include the following:

  • It offers a high annual fee of $250.
  • Travel awards are only for flights of American Express Travel.

Business Platinum Card

Business Platinum Card from American Express is the best card for business travelling. It offers business owners to earn reward points like 5x points on flights, points on each dollar on spending, and membership rewards for different categories. Consumers are required to pay their full balance every month.

The following are the features offered by the Business Platinum Card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR:
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 14.99 % to 22.99 %.
  • Rewards: It offers 5x membership rewards points on prepaid hotels and flights on amextravel.com, 1.5x points on purchases of U.S construction material, electronics, cloud systems, shipping goods, and hardware suppliers, and 1x points on every dollar spent on purchases.
  • Annual fee: $695
  • Foreign Transaction Fee: N/A
  • Welcome offer: Get 120,000 reward points on $15,000 spending on eligible purchases in the first 3 months.

Pros include the following:

  • It increases access to airport lounges in the U.S market.
  • It offers unique rewards on travel and flights of AmexTravel.com and $5,000.

Cons include the following:

  • It offers the highest annual fee of $695.
  • Some credit benefits like the private jet program are risky.

Hilton Honors American Express Card

The Hilton Honors American Express Card allows users to earn great reward points on spendings like gas, dining, hotel rooms, groceries and many more. A few hotel options are offered by Hilton card, but these offers give you the chance to earn valuable reward points.

The following are the features offered by the Blue Cash Preferred card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: N/A
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 16.49% to 25.49 %.
  • Rewards: It offers 7x Bonus points on every dollar spent for eligible purchases like hotels and resorts under Hilton Honors, 5x bonus points on each dollar spent at U.S supermarkets, U.S restaurants, and U.S gas stations, and 3x bonus points with all purchases with the card.
  • Annual Fee: 0%
  • Foreign Transaction Fee: N/A
  • Welcome offer: It offers a $350 statement credit in the first six months if you spend $3,000 on purchases.

Pros include the following:

  • It offers no annual fee.
  • It's easy to get the intro bonus.

Cons include the following:

  • It lacks intro APR offers on balance transfers and purchases.
  • It requires users to get reward points for travelling only through loyalty programs.

Delta SkyMiles Gold Card

The Delta SkyMiles Gold American Express Card is the best choice for users who spend more than $10,000 annually on U.S supermarkets, restaurants and Delta. The card offers consumers the chance to get many bonus miles after spending daily. It offers reward programs, so earning the first-year welcome reward is easy.

The following are the features offered by the Delta SkyMiles Gold card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: N/A
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 16.49% to 25.49 %.
  • Rewards: It offers 2x miles on purchases like takeout and delivery at restaurants around the globe and in all U.S and U.S supermarkets. 2x miles on every dollar spent on purchases from Delta, and 1x mile on all eligible purchases.
  • Annual Fee: 0$ for the first 12 months and then $99.
  • Foreign Transaction Fee: N/A
  • Welcome offer: N/A

Pros include the following:

  • It offers a $0 annual fee for the first introductory year and charges $99.
  • With this card, you can get your first checked bag fee on flights supported by Delta.
  • It offers simple and valuable rewards programs to earn many Miles.

Cons include the following:

  • It lacks intro APR offers on spending, purchases and balance transfers.
  • The recommended credit score is 670 to 850, so users with low credit scores cannot avail of the card.

Delta Skymiles Blue American Express Card

Delta Skymiles Blue American Express Card offers a reward program and suitable airline benefits for consumers to earn massive Miles at all restaurants and Delta flights. Users can save up to 20% on eligible Delta purchases like food, audio headsets and more. It is the best choice for travellers to earn Miles on their everyday spending and purchases.

The following are the features offered by the Delta SkyMiles Blue American Express card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: N/A
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 16.49% to 25.49 %.
  • Rewards: It offers 2x miles on every dollar spent at restaurants from around the globe, delivery and takeout in the U.S. 2x miles on every dollar spent on purchases from Delta, and 1x mile on all eligible purchases.
  • Annual Fee: 0$
  • Foreign Transaction Fee: None
  • Welcome offer: 10,000 Bonus Miles in the first 3 months on the spending of $500.

Pros include the following:

  • It does not require users to pay annual fees.
  • It offers a welcome offer of 10,000 on the spending of $500 during the first 3 months.

Cons include the following:

  • It does not offer premium offers such as checked bags and initial boarding.
  • It lacks intro APR offers on balance transfers and purchases.
  • It requires a high credit score of 670 to 850.

Blue Business Plus Credit Card

Blue Business Plus Credit Card from American Express is the best credit card for business owners to earn bonuses and business expenses. The card offers a free introductory period for the first year with no annual fee. The card allows consumers to make helpful solutions to fulfil business needs with numerous account management tools.

The following are the features offered by the Blue Business Plus Credit card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: 0% on purchases for the first year from the account opening date.
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 13.99 % to 21.99 %.
  • Rewards: It offers 2x membership reward points on all purchases of an annual $50,000 and 1x point on every dollar on all other eligible purchases. Relationship cover service that provides 24 hours service with professional individuals.
  • Annual Fee: 0$
  • Foreign Transaction Fee: 2.7%
  • Welcome offer: It offers 15,000 membership rewards points on $3,000 spent during the first 3 months.

Pros include the following:

  • It offers no annual fees.
  • It has simple rewards programs.
  • It provides a welcome offer of 15,000 for purchases of $3,000 for the first 3 months.

Cons include the following:

  • It charges 2.7% transaction fees.
  • It lacks intro APR offers for balance transfers and purchases.
  • Users with a credit score lower than 670 are not eligible for this card.

Delta SkyMiles Reserve American Express Card

DeltaSkyMiles Reserve American Express Card is the best choice for earning luxury perks and the chance to get Medallion elite status with a large number of spending. Its incredible offers include access to Centurion Lounge and Delta Sky Club on Delta flights and an annual round trip certificate for domestic first-class with comfort and fares.

The following are the features offered by the Delta SkyMiles Reserve card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: N/A
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 16.49% to 25.49 %.
  • Rewards: It offers 3x Miles on Delta purchases and 1x miles on all eligible purchases. First Checked bag free on Delta flights.
  • Annual fee: $550
  • Foreign Transaction Fee: N/A
  • Welcome offer: 50,000 bonus miles on the spending of $3,000 in the first 3 months.

Pros include the following:

  • It offers Miles the availability for air flights, rental cars, hotel rooms, and more.
  • It offers more than 20 Delta airlines from which you can use your Miles.
  • It offers free first checked bags on Delta purchases.

Cons include the following:

  • The card offers a high annual fee of $550.
  • The card requires annual spending of $30,000 for a year to earn an MQD waiver and Status Boost.
  • Users with Fico scores lower than 670 cannot get this card.

Marriott Bonvoy Brilliant Card

Marriott Bonvoy Brilliant Card from American Express is the best credit card choice for hotel and flight offers on an annual basis. The card offers annual statement credits of more than $300 on hotel purchases (hotels that come under the Marriott Bonvoy Brilliant Card). Moreover, users can fantasize about unlimited lounge visits by purchasing the Priority Pass Select Membership.

The following are the features offered by the Marriott Bonvoy Brilliant card:

  • Credit Score: It ranges from a FICO score of a minimum of 670 to a maximum of 850.
  • Intro Purchase APR: N/A
  • Intro Balance Transfer: N/A
  • Variable APR: It ranges from 16.49% to 25.49 %.
  • Rewards: It offers 6x points for every dollar spent on eligible hotel purchases under the Marriott Bonvoy Program. 3x points on flights from airlines and U.S restaurants, and 2x on all eligible purchases.
  • Annual fee: $450
  • Foreign Transaction Fee: N/A
  • Welcome offer: 75,000 bonus points during the first 3 months on the spending of $3,000.

Pros include the following:

  • It takes no charges for annual fees.
  • This card offers various ways to get Redeem points, such as cruises, merchandise, and flights; it excludes hotel rooms.

Cons include the following:

  • It offers a high annual fee of $450.
  • It lacks intro APR offers on balance transfers, purchases and spending.
  • It requires users to have a minimum credit score of 670.

Frequently Asked Questions (FAQs)

Now that we have gone through the company's different AMEX credit cards let's look at some of the questions people usually have about AMEX cards.

Can a Person Get an AMEX Card With Bad Credit?

Most cards that AMEX offers consumers ask for at least a good or excellent credit rating on the FICO scoring model. However, the company offers one card that can be used by those with an average or poor credit score. The name of the card is Blue from American Express. Using this card and paying the bills on time will improve the credit score, and the person can qualify for better credit cards.

What Credit Score Does a Person Need to Get an AMEX Card?

To get a top AMEX card, the company suggests that the prospective cardholders should have an excellent credit score which on the fico score is close to 850. However, American Express is known to accept people with a good credit rating, which in numerical terms are greater than 670 on the fico scale.

Are All AMEX Cards Subjected to an Annual Fee?

No, not all cards are subjected to the annual fee. Some AMEX cards come with zero or minimal annual Fees that an average person can pay. Those cards that offer premium benefits like cashback rewards, travel miles, etc., charge consumers relatively higher fees.

How Many AMEX Cards Can a Person Have?

American Express dot does not have a formal rule on the number of cards a cardholder can have at one time. However, due to financial liability, AMEX cardholders generally do not keep more than four to five AMEX cards. Charge cards are not part of the credit cards, so people can keep as many charge cards as they wish. There is no limit on that for the cardholders.

How Can a Cardholder Cancel the AMEX Credit Card?

Each credit card by AMEX has a helpline number on the back of the card. Cardholders can call that number to speak to customer support, which will guide them through cancelling the card. Certain information will be required from the person before cancelling the card. The information would be the same that the person entered at the time of registration, like their name, address, etc.

How Can a Cardholder Track Their Amex Credit Card?

American Express's website and mobile app have features that track a cardholder's card in the event it gets lost or stolen. Moreover, through the app, users can track their real-time spending to know about their financial situation.

Conclusion

Through this article, a person would get insight into the various credit cards offered by American Express. A person would learn appropriate knowledge on some of the best AMEX credit cards, their features, and their pros and cons. All these factors will help you understand your financial situation much better. Financial experts advise prospective credit card holders to do their due diligence on the credit cards they are looking to buy and then make a decision as per their preference. It is always better to compare several cards.

 In this article, you will see some of the best cards offered by AMEX, each with a unique purpose. While some offer the best cashback scheme, others would offer the top travel rewards. Like different people in the world, AMEX offers cards for all consumers to attract them to the company. Hence, the company has also introduced cards that can be used for everyday purchases. The article describes various features that American Express cards offer to customers. With this guide, you can learn about the factors a person should consider before buying a credit card.

Article written by Robert Ferry
We are an unbiased knowledge center for finance and our goal is to help you make your own, educated decisions about getting your credit life turned around.
Credit Optimal is an unbiased knowledge center and our goal is to help you make your own, educated decisions to getting your credit life turned around.
Copyright © 2022 Creditoptimal.com