American Express Reviews

To apply for an American Express Card, you need to follow these steps:

1. Visit the American Express Credit Card page.
2. Study and compare the Cards on offer and select the one that best suits your requirements.
3. Click on the 'Apply now' button. The application form will open in a separate window.
4. You typically need to be at least 21 years old, have a Social Security number or Individual Taxpayer Identification Number (ITIN), and have a source of income. There are some exceptions, however. You may be able to get a credit card at 18 if you have proof of regular income, or if you become an authorized user on someone else’s account. A Social Security number or ITIN aren’t always required, but are necessary prerequisites for some card issuers. And while being unemployed won’t necessarily bar you from getting a card, not having income could. Several types of non-wage income, like investment returns, child support, or Social Security payments might suffice.

Please note that careful planning will improve your odds of getting approved for a credit card, though there are no guarantees. Research your options and be discriminating about which credit card(s) you apply for. Take the process seriously. A credit card agreement is a legally-binding document – and opening a new account can affect your credit score.

American Express offers a variety of products and services, each with its own costs and pricing. They offer world-class Charge and Credit Cards, Gift Cards, Rewards, Travel, Personal Savings, Business Services, Insurance and more. They also provide competitive pricing opportunities for businesses that accept American Express cards.

In terms of specific offers, they have a program called Amex Offers where you can get statement credits when you make qualifying purchases. For example, you can get a $20 statement credit by spending a minimum of $100 in one or more purchases online at certain stores, or a $15 statement credit by spending a minimum of $75 at certain stores.

They also offer benefits for their Platinum Card holders, such as covering the cost of a CLEAR Plus membership with up to $189 in statement credits per year.

Please note that these are just examples and the actual costs and prices can vary depending on the specific product or service, and any promotions or offers that may be available at the time. For the most accurate and up-to-date information, please visit the American Express website..

To apply for an American Express card, you typically need to meet a few conditions. You should be at least 21 years old, have a Social Security number or Individual Taxpayer Identification Number (ITIN), and have a source of income. There are some exceptions, however. You may be able to get a credit card at 18 if you have proof of regular income, or if you become an authorized user on someone else’s account. A Social Security number or ITIN aren’t always required, but are necessary prerequisites for some card issuers. And while being unemployed won’t necessarily bar you from getting a card, not having income could.

You can start by visiting the American Express Credit Card page or Charge Card page. Study and compare the Cards on offer and select the one that best suits your requirements. Click on the ‘Apply now’ button. The application form will open in a separate window. Fill in your personal information, including your name, social security and annual income. Continue to the next page to read the credit card’s terms and conditions, then submit your application. Once approved, you can accept the card and begin earning rewards.

Remember, careful planning will improve your odds of getting approved for a credit card, though there are no guarantees. Research your options and be discriminating about which credit card(s) you apply for. Take the process seriously. A credit card agreement is a legally-binding document – and opening a new account can affect your credit score.

American Express, often referred to as Amex, offers a variety of products and services. Some of the most popular include Charge and Credit Cards, Gift Cards, Rewards, Travel Services, Personal Savings, Business Services, and Insurance. They also provide a service called Send & Split, which allows cardholders to send money and split purchases. Additionally, they offer a Lost Wallet Protector service and a Refer a Friend program. For businesses, they offer opportunities to accept Amex cards, providing access to a large customer base. They also provide business checking accounts and other business-related services. Please note that eligibility and terms apply for these services.

American Express offers a variety of benefits to its cardholders. Some of the key benefits include:

• Bonus Rewards on Dining, Supermarkets, and Certain Travel: The American Express Gold Card, for example, offers 4 Membership Rewards points when you dine at restaurants, 4 points at U.S. supermarkets (on up to $25,000 per year in purchases), and 3 points on flights booked directly with airlines or on amextravel.com.

• Flexible Reward Redemptions: The Membership Rewards points you earn can be redeemed in several ways, including for statement credits, gift cards, or on Amazon.com. Transferring points to AmEx's multiple airline and hotel partners can often net you the most value per point.

• Travel and Entertainment Perks: Cardholders can earn up to a total of $10 in statement credits monthly when they enroll and pay with the American Express Gold Card at certain dining establishments. Additionally, cardholders receive $10 per month in Uber Cash, good toward U.S. Uber Eats orders or Uber rides.

• Excellent Customer Service: American Express is known for its high-quality customer service. Complimentary concierge services can help you book travel or dinner reservations.

• Additional Extras: Some American Express cards offer additional extras such as car insurance and holiday insurance.

These benefits make American Express a popular choice for many consumers. However, it's important to note that the specific benefits can vary depending on the type of American Express card you have.

At American Express, you can make payments through your online account at any time. You can choose your payment amount, then select your bank account and payment date. Currently, credit cards and debit cards cannot be accepted as a form of payment. You can also edit a payment you've scheduled. Once you make a payment, it will post to your account within 24-36 hours.

In addition to one-time payments, you can avoid missed payments with AutoPay, which lets you schedule payments that will automatically debit from your bank account each month. You can customize your AutoPay amount to fit your needs. You’ll need to pay at least the Minimum Payment Due each month. You can make changes to your AutoPay settings up to two days before the scheduled debit date if you’d like them to take effect for the current statement period.

You can also set up alerts that notify you when your statement is ready, when a payment is due, and when your payment has been received. If you prefer to make a one-time payment, you’ll need to pay at least the Minimum Payment Due each month. Choose the amount you’d like to pay, your payment date, and confirm your one-time payment.

Please note that this information is subject to change and it's always best to check the official website for the most up-to-date information.

American Express has a Return Protection policy. If you try to return an eligible item within 90 days from the date of purchase and the merchant won't take it back, American Express may refund the full purchase price excluding shipping and handling, up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express® Card. Purchases must be made in the U.S. or its territories.

In terms of Shipping Policy, American Express does not refund shipping and handling costs for the purchase. Certain purchases are not covered, e.g. consumable and perishable items, motorized vehicles and their parts or accessories, or normal wear and tear.

Please note that these policies are subject to terms, conditions, and exclusions. If you have any questions about a specific item, please call American Express at 1-800-228-6855, if international, collect at 1-303-273-6498..

The Return Protection program from American Express offers an extended return policy on eligible items charged entirely on an eligible American Express Card. If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price, up to $300 per item, excluding shipping and handling charges related to the item purchased, and up to a maximum of $1,000 per Card Member account per calendar year based on the date of purchase. However, if you are required to send the purchased item to American Express for further evaluation, they will reimburse you for that shipping cost. Please note that there are certain limitations and exclusions to this policy.