TOP 5 American Express Cards

American Express remains the world’s largest card issuer’ it’s been that way for decades. The American Express cards keep consumers and business moving forward with ease and confidence. With business credit cards as well as an array of consumer card offers, Amex remains the go-to for millions.

Editor’s Choice

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We carefully reviewed all of the American Express cards. Our determinations are based on a number of factors, including consumer satisfaction, fee schedules and rewards along with other considerations such as rewards expiration. We take into account the reviews of our own readers as well as part of our ultimate Editor’s Choice.

4 More Competitive AMEX Choices

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American Express was founded in 1850 and has an incredibly rich history and truly fascinating story. While its initial products were money orders to compete with the U.S. Postal Service and then travelers cheques, it wasn’t until the late 1950s that the first American Express charge cards were offered. It had already pondered a product that would compete with Diners Club, which had introduced its first card in the early 1950s, but it took close to a decade for the company to introduce its version, which came with a $6 annual fee. By 1987, the company realized the need for a traditional credit card as a part of its offerings. The Optima card soon followed and has evolved into the American Express Blue that we know today.

Benefits of Carrying American Express Cards

For years, AMEX was the premiere credit card and a must have for anyone who was worldly, wealthy and visible in the public eye. Then and now, it symbolizes power and affluence. Fortunately, it’s also easier to qualify than it was in its earlier days. Because American Express is considered one of the most important brands in the world, the company executives know that very public persona means it must provide quality products coupled with remarkable customer service – and it succeeds on both counts.

With knowledgeable and friendly customer service representatives , which, by the way, consistently rank high in consumer surveys, the typical American Express customer is happy not only with his charge or credit cards, but with the experience as a whole. Not only that, but a strong emphasis on security has always been a hallmark of the company, especially once doing business online became mainstream. American Express has one of the safest encryption methods anywhere on the web. Of course, the fraud protection adds another layer of security for customers.

Finally, the perks and rewards are always a sure thing with American Express. With a host of benefits and programs that include cash back, airline rewards, and of course, a number of co-branded cards, along with a suite of both personal and business card products, it’s little wonder the millions of American Express consumers are a loyal group.

Other Considerations

  • It’s important to differentiate between charge cards and credit cards. For years, consumers were unaware that an American Express card meant a requirement of paying the balance in full each month. These days, there are as many AMEX credit cards as there are AMEX charge cards. You’ll want to be sure you differentiate between the two as your comparing cards.
  • Keep in mind the role of annual fees. There is one American Express card that has a $450 annual fee. The rewards are significant and more than impressive, but be sure to take notice before you make your selection.
  • Finally, it’s only been recently that American Express has begun to consider those whose incomes don’t include six figures. It’s a challenging quagmire, but one that’s being addressed successfully. In recent months, AMEX has introduced a revamped prepaid card.

Conclusion

When a company can’t evolve with a modern consumer’s changing needs, it folds. American Express is the perfect example of a well balanced company that keeps its focus on its customers. By growing and evolving with products that meet the needs of those consumers, this is one financial company that will be around for another century. It’s a consistent, reliable and ethics-driven company. This company hasn’t been around all these decades because it’s not paid attention to the needs of global consumers and economic changes. It’s a model other companies could learn a lot from.

Have you had any personal experience with American Express Cards?


Advertiser Disclosure

CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.

Advertiser Disclosure

CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.