American Express Green Card: Best For Beginner Travelers
Welcome offer: 30,000 Membership Rewards points after you use your new card to make $2,000 in purchases in your first three months.
Earning rate: 3 points per dollar spent on worldwide travel, transit and restaurants.
Annual fee: $150
Why we chose it: The Green from Amex is a great mid-tier card for beginner travelers. Amex expanded the bonus categories to include a wide range of travel purchases, including transit and home-share rentals, on top of traditional airfare and hotel purchases something other Amex cards have yet to do. The card also got some upgraded features, such as an up-to-$100 Clear membership credit and an up-to-$100 LoungeBuddy credit. Although the annual fee did increase to $150, this card has jumped to the top of some TPGers wish lists. Enrollment required for select benefits.
APPLY HERE American Express Green Card
The information for the Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
What Are Merchant Fees For Credit Card Processing
Merchant fees for credit card processing are the fees that you, as a merchant, must pay in order to be able to accept credit card payments from your customers. These fees include set amounts determined by the credit card companies combined with monthly or per-transaction fees charged by the payment processor who actually processes the charges.
Paying Your Bill In Person
You can make payments in person at any Australia Post Office. Simply take your cash or cheque, your Card, and your current posted Card Account statement with you. Cash payments are limited to no greater than your current Card Account closing balance and you will be charged a $3 handling fee. It can take up to 24 hours to process your payment. If youre enrolled in Online statements, then you wont be able to pay in person.
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Understanding When Interest Is Charged
When using the Pay Over Time feature, cardholders use their American Express cards as they normally would. If the cardholder pays the entire balance in full at the end of the billing cycle, no interest is charged, and the card continues to function similarly to a charge card.
If you do carry a balance, however, your payments and interest charges will be dependent on your Pay Over Time terms.
Payment deadlines are outlined on your American Express dashboard, found on both the mobile app or online portal.
Your interest rate is determined by your . Current rates range from 15.99% to 22.99% variable.
Like a traditional credit card, Pay Over Time allows cardholders to pay just a monthly minimum and carry the rest of their balance , the full balance or anything in between.
Select A Balance Transfer Card And Apply
Compare balance transfer credit cards from Amex until you find the option that might work best for your needs. Keep in mind that some balance transfer credit cards offer 0 percent APRs for a longer timeline, whereas others might offer better rewards categories or the cardholder perks you prefer. Also, be sure to compare balance transfer cards based on the fees they charge, including annual fees.
If you already have an American Express credit card and are within the introductory APR period, you can move onto the next step. However, note that the introductory APR period starts from the day you open your account, not on the date you actually transfer a balance. If its been many months since you signed up for a balance transfer card, you may want to compare cards and sign up for a new one that lets you secure 0 percent APR for as long as possible.
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Quick And Easy Shopper Journeys With The American Express Payment Method
With a single integration with Adyen, you can accept credit cards like American Express online, on mobile and in store.
Shopper orders item at home from a desktop and chooses to save card details.
Shopper buys additional item via the mobile app and pays with a single click.
Shopper makes a purchase in store with the same credit card.
From the shopper’s card the sales associate can view all previous purchases and offer loyalty reward.
Amex Cards That Earn Transferable Points
Every traveler should have a card that earns transferable points to shield you from devaluations and give you flexibility when it comes time to redeem. Many American Express cards earn Membership Rewards points, which can be transferred to 19 different airlines, including British Airways, Delta and Singapore Airlines.
You also have the option to transfer your points to three hotel chains: Hilton, Marriott and Choice. You can use your points to book flights or hotels directly through Amex Travel, but transferring them to a partner and then redeeming them typically results in the best redemption value.
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Hilton Honors American Express Surpass Card: Best For Occasional Hilton Stays
Welcome offer: Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of Card Membership. Plus, you can earn an additional 50,000 Hilton Honors Bonus Points after you spend a total of $10,000 in purchases on the Card in the first 6 months.
Earning rate: 12 points per dollar of eligible purchases at eligible Hilton properties 6 points per dollar spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations 3 points per dollar spent on all other eligible purchases.
Annual fee: $95
Why we chose it: The Surpass card is a great option for those who visit Hilton properties a few times a year. Youll enjoy complimentary Hilton Gold status with the card and the ability to upgrade to Diamond status by spending $40,000 in eligible purchases in a calendar year. Enrollment required for select benefits.
The card also awards a weekend night certificate when you spend $15,000 on the card in a calendar year, and grants you Priority Pass Select membership . For an infrequent traveler, the 10 complimentary visits to Priority Pass lounges may be sufficient. Youre still getting a very solid return of 7.2% on your Hilton stays plus 3.6% back on your restaurant, grocery and gas purchases in the U.S. You may want to apply for the Surpass even if your travel habits could justify the Hilton Amex Aspire with its higher annual fee.
The Platinum Card From American Express: Key Features
To view rates and fees of The Platinum Card® from American Express, see this page.
Annual fee: $695.
Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership. Terms Apply.
10 Membership Rewards points per dollar spent on eligible purchases at restaurants worldwide and U.S. small businesses, on up to $25,000 in combined purchases, in your first 6 months. You can find eligible small businesses by searching American Express Shop Small Map for retail locations and online merchants.
5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel.
5 points per dollar on prepaid hotels booked with American Express Travel.
2 points per dollar on other eligible travel expenses booked with American Express Travel.
1 point per dollar on all other purchases.
Membership Rewards points are worth a baseline value of about 0.5 cents to 1 cent each, depending on how you redeem them. Travel and gift card redemptions are generally the most valuable.
Points are also transferable to and can be worth even more if redeemed strategically after being transferred to other travel loyalty programs. Travelers can often get outsized value for their points by taking advantage of the transfer options, and NerdWallet values Membership Rewards as much as 2 cents each when redeemed this way.
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The Blue Business Plus From American Express: Best For Business Owners
The Blue Business Plus from American Express is the only Amex business card that earns Membership Rewards points and has no annual fee , making it a desirable choice for business owners looking to increase their travel rewards once business travel starts to pick up again.
This card offers simplicity at its finest, as you dont need to keep track of bonus categories. Instead, youll earn a flat 2 points per dollar on all purchases made with the Blue Business Plus, up to $50,000 per year, then 1 point per dollar thereafter. Since The Points Guy values Membership Rewards points at 2 cents apiece, thats effectively a 4% return on your first $50,000 of purchases every year.
Businesses also pay nothing to add authorized users, and youll earn points on any expenses charged on those employee cards as well as your own. Plus, the Blue Business Plus offers a 0% introductory APR on purchases for the first 12 months you have the card, which rises to a variable 13.24% to 19.24% afterward. So if you use the card to finance your business purchases, make sure to pay the debt in full before the intro period ends.
Essentially, if you own a small business that typically spends less than $50,000 per year on credit cards, the Blue Business Plus allows you to track your business expenses while earning flexible Membership Rewards travel points, and all without paying an annual fee.
Paying Your Bill Via Bpay
You can pay your Credit Card bill directly from your bank account using BPAY®.
- For all Cards excluding David Jones Cards: Biller Code: 5082
- For David Jones Credit Cards: Biller Code: 88013
- Customer Reference Number: Your 15 digit Card number
Its important to know that BPAY® payments can take up to three business days to process, so you should make the payment at least three business days before your statement due date.
The daily BPAY transaction limit for American Express payments is $1,000,000. However, Banks may have a lower default payment threshold. To request a higher transaction limit, please contact your remitting bank.
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Hilton Honors American Express Card: Best No
Welcome offer: Earn 80,000 Hilton Honors bonus points after you spend $1,000 in purchases on the card in the first three months of card membership. Plus, you can earn an additional 50,000 Hilton Honors bonus points after you spend a total of $5,000 in purchases on the card in the first six months.
Earning rate: 7 points per dollar spent at eligible Hilton properties 5 points per dollar spent at U.S. restaurants, U.S. supermarkets and U.S. gas stations 3 points per dollar spent on all other eligible purchases.
Annual fee: $0
Why we chose it: Earning a 4.2% return on Hilton stays and 3% return at restaurants, supermarkets and gas stations is impressive for a no-annual-fee card . Youll also enjoy complimentary Silver elite status with the card and the ability to upgrade to Gold status by spending $20,000 in eligible purchases in a calendar year. Silver status is enough to get you a fifth night free on award stays, meaning you can spend as little as 20,000 points total for a five-night stay. The Hilton Surpass or Hilton Aspire will provide better value for most travelers but if youre opposed to paying an annual fee, the Hilton Amex is a solid card. Enrollment required for select benefits.
American Express Gold Card: Best For Dining At Restaurants
Welcome offer: Earn 60,000 Membership Rewards points after you spend $4,000 on eligible purchases with your new card within the first six months of account opening
Earning rate: 4 points per dollar spent dining at restaurants and at U.S. supermarkets , 3 points per dollar on flights purchased directly with the airline or at amextravel.com, 1 point per dollar everywhere else. Terms apply.
Annual fee: $250
Why we chose it: The Amex Gold Card is a terrific option for foodies whether you eat out, order delivery or cook at home. The 4x earning rate on dining at restaurants and U.S. supermarket purchases equals a stellar 8% return on your spending according to TPG valuations.
I personally love my Amex Gold and use it all the time, and have come to appreciate it even more during the coronavirus pandemic. Ive been spending more on groceries and food delivery, and its great that I get 4x on my supermarket purchases and any takeout I order to support local restaurants. Plus, you can use the dining credit on Grubhub . Factoring in the new up to $120 Uber Cash for U.S. services and up to $120 in annual dining credits, this card effectively costs just $30 per year. Note: The card must be added to the Uber app to receive the Uber Cash benefit. Enrollment required for select benefits.
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You Can Afford A Larger Monthly Payment
Remember, any payments you make under the Pay It feature are applied to your minimum payment first. But if you create a plan through the Plan It feature, the required monthly payment is added to your accounts regular minimum amount due.
If youre thinking about using this feature, make sure thatyou can afford the new increased minimum monthly payment. If you cant, youcould end up defaulting on the account, which can damage your credit.
How Can I Use A Credit Card To Improve My Credit Score
Paying your credit card on time and not going over your credit limit shows that you can use credit responsibly.
Its also a good idea to keep your account balances below 35% of your available credit. For example, if you have a credit card with a $1,000 limit, try to keep the outstanding balance below $350.
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Amex Credit Cards That Earn Cash Back
Even though they dont offer opportunities to maximize your rewards with airline and hotel transfer partners, cash-back cards do offer a consistent return and simple earning and redemption structures. During the current pandemic, these cards are even more valuable for those who want to save money on monthly expenses while they arent traveling. Heres an overview of two American Express cards that fit into this category.
Pay Over Time Vs Pay It Plan It
Beyond Pay Over Time, there are other features that American Express offers to help customers manage their finances. The Pay It Plan It feature, for instance, can be used in tandem with Pay Over Time.
Pay It Plan It helps cardholders pay off qualifying purchases over time with fixed monthly payments, for a fixed fee. No enrollment is required, although account history and credit history are evaluated. If theres a history of missed or late payments, American Express might not grant this feature.
The Pay it portion of Pay It Plan It lets cardholders tap the American Express app to quickly pay for small purchase amounts, under $100, throughout the month.
Plan it, on the other hand, lets consumer cardholders split up qualifying large purchases of $100 or more into equal monthly payments for a fixed fee.
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What Is Pay Over Time And How Does It Work
For cardholders who want or need a bit more flexibility when structuring payments, Pay Over Time is a feature that lets eligible American Express cardholders carry a balance on eligible purchases of $100 or more.
There are specific purchases that are not eligible for Pay Over Time. These transactions include travelers checks, cash advances, fees owed to American Express and gambling-related transactions like casino charges.
For those who choose the Pay Over Time feature, applicable revolving balances are subject to accrued interest. In addition to more flexible payment terms, cardholders will continue to earn rewards on all eligible purchases it does not matter whether the Pay Over Time feature is utilized.
Pay Over Time is a feature of American Express U.S. consumer and business Green, Gold and Platinum cards, and the feature allows eligible charges to be automatically added to a balance that a cardholder can opt to revolve with interest month-to-month, until that amount reaches their Pay Over Time limit.
In short, its an extended payment option for cardholders who may not want to pay a balance in full.
Paying For Online Purchases
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