American Express Cards for Travel and More

2008-03-06 09:46:38

( Business )



Basic Information About American Express Cards

In the early twentieth century, the U.S. Immigration Department awarded the currency exchange function to American Express, and it even had its own teller window right at the port of entry. American Express is a pioneer seller of money orders and traveler's checks, as well as travel and credit card services. It is also a pioneer in international correspondent banking relationships even as early as the late nineteenth century.

Being a non-bank, American Express was never affected by banking laws passed during the latter part of the last century. While it was almost acquired by a major bank back then, the deal fell through because banking laws prevented banks from engaging in non-banking activities.

Although the American Express credit card was the first to evolve during the fifties, its company officials were apprehensive about undue competition with traveler's checks. Eventually, the company issued its first credit card in 1958.
Surprisingly, American Express cards sustained steady profits and surprisingly complemented instead of competed with its traveler's checks.

The Basic American Express Card

The basic American Express blue credit card has no annual fee, and allows you flexible payment choices. Rewards points have no expiry date or amount limit. You also enjoy zero interest for the first fifteen months, and a small APR thereafter.

Other American Express Cards

The American Express Preferred Rewards Gold card extends the same privileges as the American Express Blue, with the added benefit of getting preferred seating and advance access to special events like concerts. You also get 24/7 roadside assistance anywhere.

With the Business Gold Rewards card, you also get bonus points along with the regular reward points that you earn for your purchases. You can also get a 25% discount on your business expenses.

The Platinum Business card charges no APR for the first twelve months, and has a flexible payment scheme just like the American Express Blue. Since it's a business credit card, there is no limit to the number of additional cards issued to your company.

The Gold Delta Skymiles card converts the amount of your purchases into travel miles. There is no annual fee for the first year, and you also get bonus miles. And for specific eligible purchases, you can double your miles.

There are other variants of the above card types, such as gift cards and student versions. Each variant comes with its own incentive scheme.

Other Services From Americanexpress Com

The website features all the card types, and you can apply directly. You can even check which cards you might be pre-approved for.

You can also make arrangements for your flight and hotel room, by accessing the travel feature of americanexpress com. You can also purchase gift cards and traveler's checks directly through the site.


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