Using Amex Charge Cards offer better control of your finances. These cards give greater flexibility in meeting your financial needs.
Comparing with credit or debit cards, one can enjoy charge card without pre-set spending limit, and it gives you total control of your expenses by repaying the monthly balance in full.
Moreover, premium charge cards from American Express have complimentary benefits such as insurance, travel and hotel benefits. These benefits come along with excellent service and the prestige, which American Express cards are known for.
The wider range of essential benefits from Amex Charge Cards, present greater value over credit and debit cards.
You can choose from basic charge cards or premium charge cards according to your preferences. Check American Express website to select the best card for you.
Why Prefer Amex Charge Cards?
As already mentioned, charge cards provide financial flexibility at no pre-set limit in spending. Users need not think about having interest charges since you have to pay your balance in full every month.
Essentially, the spending limit would depend on card usage, the basis of which includes current spending patterns, credit record, payment history, and financial resources.
Using American Express charge cards can be a rewarding experience because these cards are tool in maximizing the earning potential of Membership Rewards points.
The charge card members with Gold or Platinum charge cards are enrolled automatically in Membership Rewards programme. This will entitle them to earn 1 reward point for every dollar spent.
Earned points can be used to redeem rewards for dining, travel and luxurious relaxation.
You may also choose to transfer the points to any of American Express hotel or airline partners.
The Gold and Platinum Amex Charge Cards also offer exclusive benefits including concierge and travel assistance, airport VIP lounges access, and travel insurance.
Enjoy other benefits such as preferred seating in theater performances, concerts and sports events.
Applying for Amex Charge Cards
Are you ready now for a charge card application? You can decide which of the charge cards from American Express is best for your needs.
It would help to follow few steps in selecting the right charge card for you.
- Answer questionnaire that will guide which card fits your preference.
- Make comparison of the most popular cards offered.
- Check for any available special offers that qualify you to be pre-selected.
In order to save time in your card application, it pays to look if you will be able to meet the standard criteria for eligibility.
- Must be at least 18 years old
- Have the household income meeting the minimum requirement of the card you will apply for
- Have a current bank account
- Have a permanent home address
- Have no bad debt history
- Must be working for more than a year, if self-employed
You must be ready for any additional eligibility criteria that the card may be required in addition to your application such as information of employment, current income and bank account.
Once you have settled for the right card from Amex Charge Cards that suit you, it is necessary to read and understand important details before hitting the “Apply Now” button.