American Express, one of the oldest financial institutions dating back to 1850, launched its first credit card in 1958. This card didn't look like the cards we see today; it was a piece of paper with card holder's name and account number typed on it. Later, in 1959, American Express, shortly Am-Ex became the first credit company that issued plastic credit card. This company continued to issue credit with different brand names like American Express Gold Card, American Express Platinum Card, American Express Optima Card, etc.
Presently, this company issues several variants of Am-Ex cards, namely Am-Ex Premier Rewards Gold Card, Am-Ex Gold Card, Delta Airlines - Gold Delta SkyMiles Credit Card, Blue Cash Everyday, and Platinum Card. Those cards have different features and meet different needs. You can choose according to your budget and requirement. There is also an American Express credit card cobranded with Virgin Atlantic issued in the UK. The different cards suit users with different eligibility criteria and different income levels.
American Express cards are famous for its travel related facilities. Especially, Am-Ex's Delta Airlines - Gold Delta SkyMiles Credit Card offers excellent air travel rewards. Some of the features of this great credit card issued in conjunction with Delta Airlines are:
30,000 bonus miles on spending $500 on the card in the first three months from account opening- good for a free flight!
$0 introductory annual fee for the first year and $95 every subsequent year
Check your first bag free- for up to 9 people on your reservation- on every Delta flight
Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
Priority Boarding and 20% In-Flight Savings
Besides, this card offers balance transfer facility and a variable APR of 15.24 to 19.24%.
Blue Cash Everyday credit card is very popular with youngsters who aren't able to pay off quickly. This card has great features that allow late pay offs without being overburdened with interest on purchases. Some of the features are:
No annual fee
Cash back bonus of $100 for spending $1,000 in eligible purchases in the first 3 months of the card membership
Zero percent introductory APR on purchases for 12 months, and flexibility to pay over time
3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
NO spend minimum, NO enrollment, and NO rotating rewards categories
Referral Bonus of $25 for each friend or family member who is approved for the card
This card has a bit higher APR ranging from 17.24% to 22.24%; however, if you pay regularly, this won't affect your spending.
Other American Express cards, such as Platinum Card and Gold Card has annual fees of $124 and $450 respectively and there is no balance transfer facility, but these cards offer excellent credit limits and great travel and lodging benefits. Platinum Card offers exclusive travel benefits, such as Priority Pass select airport club access, no foreign transaction fees, Global Entry expedited U.S. immigration pass, and many hotels and resorts programmes such as exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide.
Owning an American Express credit card is really a privilege. You can enjoy a lot of reward benefits besides unrestricted shopping.
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