American Express Credit Cards
Also known as AMEX, American Express is easily one of the most recognized names in the world of
credit cards. Even though many people have Visa or MasterCard credit cards, they are still interested in AMEX. With
Visa, MasterCard, and AMEX being the most popular and preferred types of credit cards, they are all great although
there are also differences between them as well.
Both Visa and MasterCard are methods of payment. Both will allow different businesses to accept credit card
payments using their systems. Neither of the two issue credit cards on their own behalf, instead they rely on banks
throughout the world to issue the credit cards for them, provide the credit, and then charge the interest. Your
credit card bill goes to the bank, as Visa or MasterCard doesn’t see any of it.
AMEX on the other hand, is very different. American Express has their own payment system, and they also issue
their credit cards directly to consumers. Unlike Visa and MasterCard, AMEX runs the entire show. Therefore, when a
credit card says American Express on it, you instantly know who has issued the card, what payment system it has,
and everything else you would need to know.
Even though MasterCard and Visa are used more throughout the world, American Express is always expanding their
networks. Visa and MasterCard are used in over twenty five million locations over the world, including third world
countries, which makes them global credit card payments. AMEX on the other hand, doesn’t quite reach this degree.
It is a great credit card, although it isn’t used around the world in areas where the other 2 dominant credit cards
You can get AMEX credit cards with rewards, although you’ll need to be careful where you look and what you
select. Normally, with Visa and MasterCard, you’ll have to look at hundreds of banks before you can find the best
choice. With AMEX, you can look at their website and find out what they offer and what type of APR you’ll have to
pay. Most of the time, you can find a credit card with low interest and a great spending limit - providing you have
AMEX also has several advantages that it offers customers in North America and Europe. The credit card is
accepted widely in both areas, offering you credit cards with great features and very attractive looks. AMEX offers
you great rates, good rewards, and excellent customer service as well.
American Express also offers you Blue, which is a newly introduced credit card that offers you increased
security, no annual fee, and 0% APR for the first year or so. Depending on your credit, you may be able to get an
extended period with no interest. After that time has expired, you pay low fees, which makes it a great credit card
for anyone looking for a deal. Blue is the newest card from AMEX, and will rapidly become one of the best - due to
it’s amazing features.
In the world of credit cards, American Express is one of the best. They offer you a variety of
different credit cards, designed to meet just about everyone’s needs.
You find them online or through a local provider, although online is the preferred way to go. Simply fill out your
application, and if you have good credit, you’ll be approved. Before you know it, you’ll have a credit card from
AMEX - and be ready to experience life in the fast lane.
Credit in Minutes Tip #1
Stay on top of your credit report. Most credit reports contain errors. Make sure you check your credit report
every year (you get one free credit report every twelve months) and if there are errors make sure to challenge them
with the reporting credit agency. Credit agencies are required to investigate each and every challenge that gets
Credit in Minutes Tip
Just because you qualify for all of those credit cards does not mean you should get them. A person with too many
credit cards looks sketchy in the eyes of a potential creditor. Think of it this way: if a person is financially
stable does he or she need ten different credit cards? Wouldn’t just one or two suffice?
Credit in Minutes Tip
The best way to raise your credit score is to make all of your payments on time. It sounds too simple to be
true, but that’s all there really is to it. Staying out of debt and/or making all of your debt payments on time
will keep your score up where it should be.