American Express Cards – The Pros and Cons

The Pay It Plan It(r) feature from American Express lets you group purchases that total more than $100 into a repayment plan. You can set up this plan in advance and pay small purchases in full each month, or split larger purchases into smaller monthly payments. You must pay an upfront fee, but the first 12 months are free of plan fees. This option is especially useful if you’re constantly on the go and don’t want to deal with monthly payments.

Amex cards offer cash back

If you’re a frequent shopper, you might want to check out some of the American Express cards that offer cash back. These cards come with a variety of perks, including bonus cash back at U.S. supermarkets. Some offer more cash back than others, and some even allow you to earn cash back on your gas purchases. In this article, we’ll compare the pros and cons of these cards.

American Express is known for its travel cards, and they also offer several non-travel perks, like the flexibility to transfer your balance. You can also take advantage of their excellent customer service, and they have a large selection of cards to suit different needs. American Express credit cards offer the most rewards, including cash back, and have low annual fees. The best cash back credit cards are those that offer an introductory period, or don’t charge an annual fee.

Membership Rewards points

The value of American Express Membership Rewards points varies, depending on your spending habits. If you’re shopping on a regular basis, then you likely already know that you can earn points with purchases on your card. However, if you want to earn more points, you’ll need to link your card to a hotel or airline loyalty program. You can find links for these programs online. Just be sure to enter your four-digit card ID and security code.

For most purposes, your American Express card will earn you one point for every dollar you spend. However, some cards offer additional points, and you can earn five points per dollar spent on travel expenses and three points per dollar spent in restaurants. Once you’ve accumulated enough points, you can redeem them for various benefits. You can even transfer your points to other credit cards. Some partner companies will allow you to redeem your points immediately. Be aware, however, that the value of your points varies depending on the program and the airline.

Marriott Bonvoy Brilliant(tm)

If you’re looking to earn points and stay at hotels for free, consider signing up for the Marriott Bonvoy Brilliant American Express card. This card offers benefits like a $100 property credit after you spend a certain amount on qualifying purchases and one free night award after your account anniversary. In addition to these perks, the card offers a Priority Pass Select membership that allows you access to more than 1,200 lounges and restaurants around the world.

The Marriott Bonvoy Brilliant American Express card comes with a host of benefits designed for travelers, and it can compete with the Chase Sapphire Reserve and The Platinum Card(r) from American Express. In addition to the $200 annual fee, the card includes benefits such as a $100 statement credit for Global Entry or an $85 statement credit for TSA Precheck. You also get secondary insurance when renting a car, which is an excellent feature if you’re constantly on the go.

Blue Business Cash(tm)

Whether you’re a small business owner looking to get a credit card or have a large company, you might be considering the American Express Blue Business Cash(tm) card. The card earns rewards that can be redeemed for cash, gift cards, and more. But be aware of its limitations. If you plan to use your rewards in other ways, you may want to look elsewhere. For those who have a higher credit score, you might want to consider a Capital One Spark Cash for Business card.

This credit card allows you to spend above your credit limit in the United States. This will earn you cash back for large expenses, like a plane ticket. However, you’ll have to pay the overlimit back on top of your regular minimum payment, which could add up over time. If you’re a business owner who frequently travels abroad, you may want to consider another card to use abroad. However, the American Express Blue Business Cash(tm) Card does have a high penalty APR, so be careful with this type of card.

Platinum Card

The American Express Platinum Card is a credit card that offers several perks for travelers. It offers $200 in statement credits a year and special benefits like access to lounges, presales to dining events and cash credits for Uber rides, hotel stays, digital entertainment purchases and more. Other features of the card include cashback on Equinox memberships, and statement credits of up to $100 for TSA/Global Entry application fees. Despite the limited benefits, the American Express Platinum Card is a great choice for travelers, and the benefits of this card make it a safe travel choice.

The American Express Platinum Card is a credit card that requires excellent credit. The applicant must be at least eighteen years of age and have a credit score equivalent to or greater than the average U.S. credit score. For applicants from other countries, an international credit score will translate to a U.S. credit score. It is important to note that this card is only available to individuals who have excellent payment histories and are employed full time or have attended college for at least four years.


The Centurion(r) American Express card is a high-end credit card that offers its users a host of perks. It offers concierge services and travel benefits comparable to the Gold and Platinum cards. However, the Centurion card does not earn more Membership Rewards points than its counterparts. It does, however, offer a concierge service, and its users can even message their personal assistants to ask for advice or help when traveling.

Applicants must have a high net worth and a minimum annual income of $15,000, which makes it the most expensive card in the world. The initiation fee and annual fee for the Centurion American Express card are both fifteen thousand dollars. Although there are some restrictions, most people are eligible for this elite card and it can be a status symbol that’s worthy of recognition. However, if you are an international businessman, you might want to look for another credit card besides a Centurion American Express card.