Debit & Credit card

Best American Express Debit Card | Top 4 American Express Debit Cards

Having one of the best American express debit card means you are making an excellent financial decision. These cards are quite different from those offered by the Visa and MasterCard networks, reserved for customers with strong purchasing power. These cards usually come with unique advantages, exclusive partnerships, and concierge services.

Furthermore, suppose you are looking for a new debit card and have decided to apply for American Express. In that case, you may have found yourself in the same situation as many people when they realize the wide variety of products this brand offers. Debit Cards, Service Cards, Membership Rewards points, etc., are just some of the characteristics that you will hear and that, for a novice, can be downright confusing terms.

Do not worry. This article will also tell you what you should consider requesting the most suitable American Express debit card for you in just a few minutes.

Best American Express Debit Card: Factors to Consider

Best American Express Debit Card

If you desire to get a suitable American express debit card, its best to take the following essential factors into account:

Income

First, it is essential to define which customers the American Express debit card serves. Traditionally, this brand is thought to be unattainable and only for the wealthy; Although American Express has the most exclusive products in the market, it offers cards for people with incomes starting at diverse ranges per month.

If you earn more than a certain amount per month and verify it with payroll receipts or bank statements, you will have released the first filter.

Credit experience

It goes without saying that if you do not have a credit history with another card, your probability margin to obtain an American Express card is zero. The fact that you have previously had a credit card and have a good Credit Bureau (without arrears, debts, and overdrafts) will open you access to American Express products too.

Usage Patterns

Are you one of those who typically pay the total of your purchases at the end of the month? Or do you prefer to pay in instalments? It is essential that you ask yourself this question and answers it honestly because, if you want to request an American Express debit card, you should know that there are products for two segments:

  • The American Express service debit cards are ideal for people who do not want to pay interest because they have to be settled in full on their due date. Here, there is certain flexibility since they participate in months without interest, and it is possible to defer certain purchases to pay them in installments with interest. 
  • American Express regular debit cards are a good option if you have more flexibility and pay less than your total balance. Additionally, this type of card requires a minimum income lower than the brand’s service cards.

Best American Express Debit Card

Best American Express Debit Card

We have already mentioned some points that you should consider before requesting the American Express debit card. If you are probably ready to decide, the following options will lead you to your ideal choice, considering the recommendations that we have given you.

Blue American Express card

The Blue American Express card stands as an excellent visa debit card 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 international debit payment card provides the following benefits:

  • Access to the loyalty program. 
  • It is free the first year and costs only $5 per month from the second year.
  • Real-time expense tracking. 
  • Shopping offers all year round.
  • Free ATM withdrawals at MoneyPass network ATMs; 

Requirements to obtain the Blue American Express card

To apply for this card, you need to go to your closest bank branch. They will ask you to meet some requirements such as the following:

  • 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 Green debit card 

The American Express Green is a deferred debit card and stands as an excellent choice for many.

Benefits of the American Express Green debit card

This card offers the following benefits:

  • Great freedom of payment.
  • You get over 10,000 loyalty points during the opening. You can make use of these points to pay for expenses. 
  • Free ATM withdrawals at MoneyPass network ATMs 
  • Real-time expense tracking. 
  • You enjoy a single commission of over 2.8% on transactions. 
  • Essential daily travel protection. This entails comprehensive insurance, which is very practical when traveling.
  • For less than $100 per year, the “Green” gives you access to the most efficient loyalty program on the condition that you spend a lot with the card. 
  • It has the replacement of the card in case of theft or loss.

Requirements to obtain the American Express Green debit card 

To apply for the American Express Green debit card, you need to go to your closest bank branch. They will ask you to meet the following requirements:

  • Be a natural person
  • A valid passport
  • A valid diplomatic passport
  • An official identification with a good photo.
  • Proof of residential address no longer than three months.
  • In case of being a foreigner, present:
  • Temporary, multiple, or permanent migratory forms
  • A diplomatic card
  • A consular registration

American Express Serve debit card

The American Express Serve card is one of the best debit cards available today.

Benefits of the American Express Serve debit card

Some benefits of this card include:

  • The only prepaid card offers unlimited 1% cash back for every dollar you spend when shopping in stores or online. 
  • It charges a monthly fee of $ 5.95 and up to $ 3.95 for recharges, but this can be worth it if you use your card frequently.
  • There are no ATM fees when using MoneyPass network ATMs 
  • No commissions on purchases and paying bills online are also free. The Amex Serve card has very few additional fees, making it an excellent alternative for more active users. There is nothing better than cashback rewards that are instantly available as soon as you earn them.

American Express Bluebird debit card

This card stands as an excellent debit card. American Express usually issues it in association with Walmart. 

Benefits of the American Express Bluebird debit card

This card offers the following benefits:

  • No commissions on purchases
  • Bank deposit, direct debit transmission, card-to-card transmit, digital check depositing (with a third-party fee for rapid processing), and money stacking at Walmart as well as other businesses are all simple to do.
  • Free ATM withdrawals at MoneyPass network ATMs
  • Fees of over $ 2.50 fee at other ATMs, plus ATM operator fees.
  • Check writing
  • Four sub-accounts for family members.
  • No monthly fees or costs for online activation or inactivity
  • No credit score check is required.
  • A separate account for savings

Requirements to obtain the American Express Bluebird debit Card

To apply for the American Express Bluebird debit Card, you need to go to your closest bank branch. They will ask you to meet the following requirements:

  • An official identification with a valid photo.
  • A valid diplomatic passport
  • A diplomatic card
  • Be a natural person
  • Proof of residential address no longer than three months.
  • In case of being a foreigner, present:
  • Temporary, multiple, or permanent migratory forms
  • A valid passport
  • A consular registration
  • In agreement with the bank, more requirements can be requested. 

Frequently Asked Questions

Does American Express have a debit card?

American Express has diverse debit cards such as those highlighted above.

Which Amex card should I get first?

It’s best to get the Blue American Express card first, as it allows you to familiarize yourself with the operation of American Express for a “modest” cost (entry-level at Amex).

Which bank gives American Express debit cards?

The ICICI Bank gives the American Express debit card.

Can I take cash out of American Express?

Yes. You can take cash out of American Express. To do this, contact the American Express customer service or sign up for the American Express Cash Advance program. This allows you to withdraw cash at approved ATMs.

Do all American Express cards have to be paid in full each month

You don’t have to pay for all American Express cards in full each month. 

Which American Express card is best for me?

The Blue American Express card is best for you.

Does American Express require full payment each month?

American Express does not require full payment each month. 

What income do you need for Amex Platinum?

To apply for the Amex Platinum card, you need an income of at least $50,000 per year.

Do rich people use credit cards?

Yes. Rich people use credit cards such as the Centurion® Card from American Express, the Citi Chairman Card, and the J.P. Morgan Reserve Credit Card.

Are American Express cards hard to get?

It’s slightly hard to get many American Express cards because they usually require good or excellent credit for approval. 

Conclusion

In conclusion, American express debit cards come with various benefits. If you desire to make a choice, the highlights above would be indispensable. 

American express debit card is a great way to avoid paying fees and still get all the benefits of an American Express debit card. Take advantage of this limited-time offer by signing up for your new card today!

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