American Express Credit Card @ https://www.americanexpress.com

Are you one of those that are asking Is an American Express Credit Card a Good Credit Card? And also want to know all about the Is American Express Credit Card if you can be able to make use of it. Then this article is the right one for you to read.

American Express Credit Card
American Express Credit Card

Now I am going to be giving why the American Express is a good Credit Card and also some of the best American Express Credit Cards to make use of. And also, it is also known as Amex Cards.

American Express Credit Card

An American Express card is simply worth it for people with good or even excellent credit scores who want to then get or earn rewards on U.S. purchases that they will simply pay for in full by the due date every month. An Amex card might then also be worth it for people who want an introductory low-interest period in addition to rewards.

Is American Express a Good Credit Card

Well, you should know that as long as the money saved by using the American Express card cancels out or simply then exceeds any annual fees, the Amex card is simply worth having. Of course, whether a particular Amex card is simply the most worthwhile option overall also depends on what other credit card companies are offering. Amex is even more competitive in some areas than others, too.

For example, Amex cards simply obviously are not the best for building credit, and also most aren’t even well-suited for balance transfers or even new-purchase financing. That said, multiple American Express cards simply then have great benefits for food-related expenses, and also the Membership Rewards program makes almost all Amex cards very good for travel.

Amex Benefit 

There are some benefits that you can enjoy when you make use of the Amex card, and if you want to know these benefits then you will have to read further and then you will get all the information that has been given or shared about it.

American Express Card Benefits

The Amex cards include several types of travel insurance, return protection, and even purchase protection. These benefits are simply or mostly found on the top-tier American Express cards, though many more American Express cards simply have rental car insurance and also even extended warranty. To know which perks are included on a specific card, you will then need to call customer service or check the American Express website. Here are the Amex Benefits below:

  • Return protection.
  • Purchase protection.
  • Rental car insurance.
  • Extended warranty.
  • Cell phone protection.
  • Trip cancellation insurance.
  • Trip delay insurance.
  • Baggage insurance.
  • Global Assist (an emergency card assistance hotline).
  • Concierge services.

In addition to simply having some or all of these card perks, it is also very important to remember that many American Express cards also or simply give rewards. Rewards are not generally considered card benefits, but having a credit card that simply earns great rewards can then be a big asset to cardholders.

As long as you simply then use your card responsibly and also maximize the various benefits that American Express offers, you should also then come out well ahead of any annual fees that American Express cards might then charge.

Best American Express Credit Cards – Which American Express Card is the Best

People want to know the Best American Express Credit Card Offers in 2022, well I won’t just tell you the Best American Credit Cards to offer in 2022 but also the best to simply have. Here are some of the Best American Express Credit Cards for you to use:

Blue Cash Everyday® Card from American Express

Why We Like It: The Blue Cash Everyday® Card from American Express is simply known as the best American Express credit card if you want to earn bonus rewards at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases. The Blue Cash Everyday Amex also even has a $0 annual fee, an intro APR of 0% for 15 months on purchases and also balance transfers, and even good rewards. 

New cardholders are even also eligible to earn a $200 statement credit for spending $2,000 in the first period of 6 months. The card even also offers 1 – 3% cash back in rewards on purchases on an ongoing basis. Specifically, cardholders can also earn 3% cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases (up to $6,000 spent per year in each category), as well as 1% back on all other purchases, earned as statement credits.

What We Don’t Like: Most purchase categories only just get 1% in rewards. The card’s regular APR could then be pretty high, also.

Who Should Get It: Consider applying for Amex Blue Cash Everyday if you then have a good credit or better and also make recurring purchases in the card’s bonus rewards categories.

Alternatives to Consider: The Blue Cash Preferred® Card from American Express simply offers higher rewards rates but then charges an annual fee. Chase Freedom Unlimited is even also another good option with no annual fee, but it is not an Amex card.

American Express Cash Magnet® Card

Why We Like It: The American Express Cash Magnet® Card is simply the best Amex credit card for earning cash back at a flat rate on all purchases. It simply offers 1.5% cash back on everything, earned as statement credits, plus a $200 statement credit for spending $2,000 in the first 6 months. 

The Cash Magnet Card also even has some financing appeal, in addition to a $0 annual fee, giving an intro APR of 0% for 15 months on purchases and even also balance transfers. All information about the Cash Magnet Card has then been collected independently by WalletHub. The Cash Magnet Card is simply no longer available to new applicants through WalletHub, but might then be available on the American Express website.

What We Don’t Like: The card’s regular APR is 16.24% – 27.24% (V).

Who Should Get It: Consider applying for the Cash Magnet Card if you then want an Amex with straightforward rewards.

Alternatives to Consider: The Wells Fargo Active Cash® Card and also the Citi Double Cash Card are a couple of non-Amex options with really good flat-rate rewards.

American Express Blue Business Cash™ Card

Why We Like It: The American Express Blue Business Cash™ Card simply offers 2% cash back on up to $50,000 spent per year, and all other purchases yield 1% back. In addition, new cardholders can now earn $250 statement credit for spending $3,000 in the first 3 months. Blue Business Cash simply also has a $0 annual fee.

What We Don’t Like: High-spending companies will simply then end up earning just 1% back on a lot of purchases. Plus, this card is not a good option for financing.

Who Should Get It: Small business owners with good credit who just simply want to earn rewards on company spending should consider applying for Amex Blue Business Cash.

Alternatives to Consider: The Ink Business Cash® Credit Card and also the Capital One Spark Cash Select – $500 Cash Bonus are two of the best business credit cards with no annual fee.

Blue Cash Preferred® Card from American Express

Why We Like It: The Blue Cash Preferred® Card from American Express is also one of the best American Express credit cards for bonus cash back rewards. It also simply offers 6% cash back at U.S. supermarkets, up to an amount of $6,000 spent per year, along with 6% back on U.S. streaming subscriptions, 3% back at U.S. gas stations, 3% back on transit expenses, and also 1% back on everything else.

New cardholders can also earn a $350 statement credit as an initial bonus for spending an amount of $3,000 in the first 6 months.

What We Don’t Like: The card also has an annual fee of $95 and a high APR.

Who Should Get It: Consider applying for Blue Cash Preferred if you then have good credit or better, regularly make purchases in the card’s bonus categories, and also can comfortably afford to spend an amount of $3,000 in the first period of 6 months after opening an account.

Alternatives to Consider: The Citi Premier® Card and also the Capital One Savor Cash Rewards Credit Card offer bonus rewards in similar spending categories.

American Express® Gold Card

Why We Like It: The American Express® Gold Card is also one of the best Amex card when it comes to high-spending foodies. It simply offers 4 points / $1 spent at restaurants worldwide, plus takeout and also delivery in the U.S., and 4 points / $1 on up to $25,000 spent per year at U.S. supermarkets (then 1 point / $1). Amex Gold also simply offers up to about $120 per year in dining credits when you enroll, as well as a big initial bonus offer, among its other rewards and benefits.

What We Don’t Like: You simply need to take full advantage of all the card offers for it to be truly worthwhile, due to its amount of $250 annual fee.

Who Should Get It: Consider applying for the Amex Gold card if you simply have a good credit or better and also you want to save money at restaurants and supermarkets in the U.S. You should also then plan to use the card regularly in order to get your money’s worth.

Alternatives to Consider: The Citi Premier® Card simply offers good restaurant and also supermarket rewards at a reasonable cost.

The Platinum Card® from American Express

Why We Like It: The Platinum Card® from American Express is simply best American Express card for travel. New cardholders can then earn 100,000 points for spending $6,000 within the period of 6 months of opening an account. Amex Platinum also simply provides up to about $200 per year in Uber credits, up to $200 per year in credits for fees from one pre-selected airline, and also up to 5 points per $1 spent on airfare (up to $500,000 spent per year) and even prepaid hotel reservations booked with Amex.

What We Don’t Like: Amex Platinum simply has a very high annual fee, at $695, but its many benefits can cover the cost for a frequent user.

Who Should Get It: Consider applying for Amex Platinum if you are simply a frequent traveler and also a big spender. You also do need good credit.

Alternatives to Consider: Chase Sapphire Reserve® is simply another popular credit card for luxury travel benefits.

You can check the website and get more details https://www.americanexpress.com/us/credit-cards/.

FAQs

Is the American Express Card a Good Credit Card to Have?

Yes, it is worth the card is amazing and many that have made use of the card can simply testify of how beneficial it is. And I believe with the article above you have understood the card and also it features.

What Are the Benefits of American Express Cards?

The benefits of American Express cards simply include several types of travel insurance, return protection, and also purchase protection. These benefits are even mostly found on the top-tier American Express cards, though many more of the American Express cards simply then have rental car insurance and also extended warranty.

To simply then know which perks are included on a specific card, you will simply need to call customer service or just check the American Express website.

Is It Hard to Get an American Express Card?

It’s generally harder for you to get an American Express card than it is to simply get a credit card from many other major issuers simply because all of Amex’s credit card offers simply then require good or even excellent credit for approval.

But American Express is not the only credit card company to simply target people in the highest tiers of the credit score scale. Barclaycard and also Chase do too, for example. And if you are then fortunate enough to have good credit or better, an American Express credit card will then be no harder to get than any other credit card.

Does American Express Help Your Credit Score?

American Express can simply help your credit score if you are then the primary account holder or simply an authorized user aged 18 or older on an American Express credit card or charge card account.

For an Amex card to be good for your credit score, the account must then be kept in good standing with on-time monthly bill payments. Every month an open Amex account is simply used responsibly, positive information will also then be reported to the credit bureaus.

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