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Are you looking for the best American Express card? Entirely widely marketed worldwide, the best American Express cards are essentially high-end bank cards with great merits. American Express (or Amex) was initially a CIT company founded in 1841 by Henry Wells.
As early as 1891, it was the first bank to offer “travelers’ checks.” The company is also considered the first to have thought of the bank card, based on the credit cards offered by department stores. Currently, Amex has over 113 million American Express cardholders worldwide, including 50 million in the United States.
Today, the best AMEX cards allow customers to benefit from insurance, assistance, privileged partnerships, among other merits. Furthermore, the American Express cards that you can choose from are many and varied. Thus, it is always advisable to review the different aspects that they provide.
In this article, we offer you a comprehensive review of some of the best American Express cards. With these, you can easily choose one that’s suitable for your financial profile. Come along!
Advantages of American Express Cards
American Express cards offer various benefits, and you must spend some time deciding which one you want to receive in exchange for using your plastic. This includes the following:
- International deferred payment: These cards are equipped with insurance to protect you daily and when traveling.
- Membership Rewards: This program gives you flexibility since you can use your points to obtain plane tickets, gift certificates, and catalog items, among others. You can pick this program if you are looking to have various options to redeem your points.
- PAYBACK: With this program, you can accumulate points that you can exchange with program partners. The idea behind it is that you can collect points in the money orders that you use more frequently and that the points will help you lower the superbill, pay for your phone, or pay for your movie tickets.
- Miles on airlines: American Express has cards co-issued with other firms that will allow you to considerably increase the speed at which you accumulate points to fly for free on the airline. This is in addition to obtaining attractive benefits every time you fly. The downside is that you “marry” the airline and don’t have the flexibility to redeem your points for something else.
- Privileged access to major sporting and musical events
- Customer service is available 24/7
- Cashback
- Travel insurance and assistance
Best American Express Card
The range of AMEX is made up of several excellent cards. Some of these include:
Green American Express Card
The Green Card is American Express’s base/ entry-level card, which costs over 95 dollars per year.
Benefits of the Green American Express Card
With the Green American Express Card, customers obtain several benefits. This includes:
- Access to the loyalty program. This entails a list of attractive shopping offers from American Express partners.
- All purchases made with the card benefit from the Purchase Protection guarantee. Thus, the goods you purchase are notably covered against accidental deterioration.
- Ticket dedicated to booking tickets in advance,
- Customer service is available daily.
- Access to online travel agencies.
- Access to several insurance options in case of
- Loss and theft of the card, travel incidents, and accidents.
Requirements to obtain the Green American Express Card
To apply for the Green American Express Card, you need to go to your closest bank branch. They will ask you to meet some requirements such as the following:
- Proof of a minimum annual income of $20,000
- An official identification with a good photo.
- Proof of residential address no longer than three months.
- A valid passport
- Be a natural person
- In case of being a foreigner, present:
- Temporary, multiple, or permanent migratory forms
- A valid diplomatic passport
- A diplomatic card
- A consular registration
American Express Gold Card
More upscale, the American Express card is also an excellent choice, though it’s pretty deluxe. Its cost is also higher.
Benefits of the American Express Gold Card
The American Express Gold Card incorporates all the advantages of the Green American Express Card (loyalty points, shopping offers, customer service, insurance, purchase protection, online travel agency, etc.) to which are added a few elements:
- A free additional card for your spouse
- Access to presales for significant events
- Snow and Mountain Assistance and rental vehicle guarantee
Requirements to obtain the American Express Gold Card
To apply for the American Express Gold Card, you need to go to your closest bank branch. They will ask you to meet some requirements such as the following:
You must have an annual income of at least $35,000
- An official identification with a good photo.
- Proof of residential address no longer than three months.
- A valid passport
- Be a natural person
In case of being a foreigner, present:
- Temporary, multiple, or permanent migratory forms
- A valid diplomatic passport
- A diplomatic card
- A consular registration
American Express PAYBACK Gold Card
The American Express PAYBACK Gold Card stands as an excellent card in this category.
Benefits of the American Express PAYBACK Gold Card
Some benefits of this card are:
- 5,000 PAYBACK Points when acquiring the card
- No cost of Annual Fee the 1st year
- Additional PAYBACK points
Requirements to obtain the American Express PAYBACK Gold Card
To apply for the American Express PAYBACK Gold Card, you must go to your closest bank branch. They will ask you to meet the following requirements:
- You must have an annual income of at least $15,000
- An official identification with a good photo.
- A valid passport
- Be a natural person
- Proof of residential address no longer than three months.
- In agreement with the bank, more standards can be requested.
Basic American Express Credit Card
The Basic American Express Credit Card comes as a friendly financing option for many.
Benefits of the Basic American Express Credit Card
- Some benefits of this AMEX card are:
- No annual fee for the 1st year
- Protected purchases
- Global Travel Assistance
Requirements to obtain the Basic American Express Credit Card
To get the Basic American Express Credit Card, you need to go to your closest bank branch. They will ask you to meet the following requirements:
Minimum monthly income of $10,000
Be a natural person
In case of being a foreigner, present:
- Temporary, multiple, or permanent migratory forms
- A valid diplomatic passport
- A diplomatic card
Blue American Express card
The Blue American Express card comes as one of the best cards worth opting for. The card is also one of the most efficient of the network, as it allows you to familiarize yourself with the operation of American Express for a “modest” cost (entry-level at Amex).
Benefits of the Blue American Express card
This card provides the following benefits:
- Free ATM withdrawals at MoneyPass network ATMs;
- Shopping offers all year round.
- Access to the loyalty program.
- It is free for the first year and costs only $5 per month from the second year.
Requirements to obtain the Blue American Express card
To get this card, you need to go to your closest bank branch. They will ask you to meet the following requirements:
- Temporary, multiple, or permanent migratory forms
- A valid diplomatic passport (for foreigners)
- Proof of current address for no more than three months.
- Valid photo ID.
- In agreement with the bank, more standards can be requested.
American Express Platinum Card
The American Express Platinum credit card stands as the company’s luxury card. It costs $55 per month. Unlike many other American Express cards, the Platinum card is intended for a very wealthy clientele.
Benefits of the American Express Platinum Card
The American Express Platinum card offers significant advantages, which are in addition to those that other cards already provide:
- 24/7 concierge service
- Real-time expense tracking.
- VIP access to major events
- Presales for major concerts
- Access to lounges at airports, platinum hotels, and vehicle rentals
- Privileged shopping offers
Requirements to obtain the American Express Platinum Card
To apply for the American Express Platinum Card, you need to go to your closest bank branch. They will ask you to meet some requirements such as the following:
- Proof of a minimum annual income of $65,000.
- An official identification with a good photo.
- Proof of residential address no longer than three months.
- A valid passport
- Be a natural person
In case of being a foreigner, present:
- Temporary, multiple, or permanent migratory forms
- A valid diplomatic passport
- A diplomatic card
- A consular registration
Frequently Asked Questions
Which Amex card should I get first?
You can get the Green American Express Card first because it’s an entry-level card.
Is Amex platinum hard to get
The Amex Platinum card is quite hard to get.
Is AMEX prequalifying accurately?
AMEX prequalification is very accurate and works without glitches.
Which American Express card offers the most number of points?
The most points are awarded by the American Express Business Gold Card.
What is the value of 40000 Amex points?
Over $400 gets 40000 Amex points.
How much are a hundred thousand Amex points worth?
Over $2,200 is worth 100k Amex points.
Is it possible to have too many credit cards?
There is no such thing as a perfect amount of cards. The amount will be determined by your economic need and capabilities.
Does Amex do a tough lift for current subscribers?
Current Amex clients who apply for a second card will not have their credits pulled.
What is the minimum credit score for American Express?
American Express doesn’t have any minimum credit score. However, it’s best to get a good credit score before applying.
What is the lowest credit limit for American Express?
American Express doesn’t have any credit limit.
What is the most elite American Express card?
The most elite American Express card is the Centurion® Card.
Conclusion
In conclusion, American Express stands as an excellent card provider. If you desire to enjoy the benefits, the above highlight of the best American Express cards would be indispensable for you.
