Tuesday, January 31, 2023

Which Amex Cards Are Credit Cards

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American Express Cobalt Card*

American Express Charge Cards vs. Credit Cards + My Amex Financial Review

With a high earn rate, a generous welcome bonus and easy-to-use points, the American Express Cobalt Card is our top pick as the best travel credit card for everyday spending.

The points you earn can be redeemed for travel at a rate of 1,000 points for $10 for any flight on any airline with no blackout dates, or they can be used toward the American Express Fixed Points Travel Program, which lets you unlock even better value on round-trip flights. If you prefer to use your rewards for accommodations, you can transfer your points to one of the American Express Hotel partners, including Marriott Bonvoy.

  • Annual fee: $155.88
  • Earn rate: 5 points per $1 spent on dining out and groceries 2 points per $1 spent on travel 1 point per $1 spent on all other purchases
  • Welcome offer: Up to 30,000 bonus points , plus, earn a bonus of 20,000 points when you spend $3,000 in purchases within your first 3 months of having the card
  • Income requirement: $12,000

American Express Cash Magnet Card

Our pick for: Simple, flat-rate cash back

The American Express Cash Magnet® Card pays a simple, flat cash-back rate on all purchases, with no limit to how much cash back you can earn. Plus, get a decent bonus offer and an introductory 0% APR period. If you want an AmEx card with a no-hassle rewards structure, this is your card. Read our review.

Balance Transfer Credit Cards

Once you accumulate a debt load on an existing credit card, the interest will compoundrapidly. Your best bet is to transfer the debt to a balance transfer credit card, which lets you move debt from a high-interest card to one with a lower rate. These cards often offer promotional interest rates for a specific period0% interest for the first 10 months, for examplewhich can buy you time to pay down your balance with little or no interest. Sometimes, even the regular interest rate on a balance transfer card is lower than usual.

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Blue Cash Everyday Card From American Express: Best For Tiered Cash Back

Why we picked it: The Blue Cash Everyday is the mini-me of the Blue Cash Preferred, with excellent cash back at U.S. supermarkets and U.S. gas stations, but with no annual fee. Earn 3% back at U.S. supermarkets on up to $6,000 a year , and earn 2% back at U.S. gas stations, perfect for the growing family.

Pros: Through the current welcome offer, cardholders can receive a $100 statement credit after they spend $2,000 in purchases within the first six months of card membership and earn 20% back on Amazon.com purchases on the card in the first six months, up to $150 back.

Cons: Depending on how much you spend, the Blue Cash Preferred might offer more bang for your buck. Learn when a credit card with an annual fee is worth it.

Who should apply? Large families stand to do very well in these featured rewards categories. Plus, the 0% intro APR on purchases for the first 15 months is attractive to those who want to make a large purchase and carry the balance for a bit.

Read our Blue Cash Everyday Card from American Express review or jump back to this cards offer details.

Cash Back Rewards Cards

Which Amex Cards are Credit Cards? Which are Charge Cards ...

American Express’s cash back rewards cards offer some competitive picks, especially if you’re in the market for . The most popular of American Express’s cash back cards come with the highest U.S. supermarket and streaming rewards rates in the game, as well as bonus cash back on transit and U.S. gas stations. You also have a couple of options if you don’t want to pay an annual fee, including a U.S. supermarkets and U.S. gas station rewards card and one that offers unlimited flat-rate rewards.

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Delta Skymiles Platinum American Express Card: Best For Regular Delta Flyers

Welcome offer: Earn 50,000 bonus miles and 5,000 Medallion® Qualification Miles after you spend $2,000 in purchases on your new card in your first three months of card membership. Plus, earn up to $100 back in statement credits for eligible purchases at U.S. restaurants with your card within the first 3 months of membership.

Earning rate: 3 miles per dollar spent on eligible Delta purchases and at hotels and 2 miles at restaurants and U.S. supermarkets 1 mile per dollar spent everywhere else.

Annual fee: $250

Why we chose it: If youre chasing elite status on Delta, the Delta SkyMiles Platinum Amex is a solid choice. If you fly once a year with a companion, the cards annual companion pass can easily save you at least the amount of the annual fee, since its good on many round-trip Delta coach fares. Youll earn 10K MQMs at $25,000 and $50,000 in calendar-year spending, but remember that you no longer earn bonus redeemable miles. The card is offering 3x miles on Delta purchases and at hotels, 2x miles at restaurants and U.S. supermarkets, and a Global Entry/TSA PreCheck fee credit . Enrollment required for select benefits.

Delta Skymiles Gold Business American Express Card: Best For Budget Business Travelers

Bonus: Earn 50,000 bonus miles and a $50 statement credit after spending $2,000 in purchases on your new card in your first three months of card membership.

Earning rate: Earn 2 miles per dollar spent on eligible purchases made directly with Delta, and at restaurants, on U.S. shipping and U.S. advertising then 1 mile per dollar on all other purchases.

Annual fee: $0 intro annual fee for the first year then $99

Why we chose it: If you fly Delta for business travel, its a good idea to have a cobranded Delta credit card in your wallet. The card also comes with a free checked bag on Delta flights, along with priority boarding and 20% savings on eligible inflight purchases. Enrollment required for select benefits.

Keep in mind this card underwent similar changes to the personal Delta SkyMiles Gold card earlier this year. You can now earn a $100 Delta flight credit after spending $10,000 in a calendar year, but the annual fee did increase. Plus, you can no longer receive an MQD waiver or discounted Sky Club access.

APPLY HERE: Delta SkyMiles® Gold Business American Express Card

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Amex Reward Card Activation

The benefits of each card are primarily dependent on the consumers creditworthiness, but there are significant differences in fees. The Green Card is advertised as an entry-level offering with an affordable annual price .

It offers two Membership Rewards points per dollar spent but does not offer travel insurance, purchase protection, or extended warranties. The Platinum Card is provided with an annual fee of $450 but increases Membership Rewards points per dollar spent to five.

Best Credit Cards With Lounge Access

The Best Amex Credit Card Strategy For More Points in 2020

Chase Sapphire Reserve®: Free membership to Priority Pass lounges, over 1,300 worldwide. $429 annual value. $32 per guest visit. $550 annual fee. Excellent credit needed.

The Platinum Card® from American Express: Free membership to the following lounge networks: Priority Pass , Delta Sky Club, Centurion, International American Express, Airspace and Escape. Well over 1,300 total locations. Most places allow at least one guest for free. $695 annual fee. Good credit needed.

Delta SkyMiles® Reserve American Express Card: Free membership to Delta Sky Club lounges. More than 200 locations worldwide. $545+ value per year. $550 annual fee. Good credit needed.

Citi® / AAdvantage® Executive World Elite Mastercard®: Free Admirals’ Club lounge membership. More than 100 lounges worldwide. 550+ annual value. $450 annual fee. Good credit needed.

United Club Infinite Credit Card: Free United Club membership. 45 locations worldwide. $650+ annual value. $525 annual fee. Good credit needed.

As you’ve probably noticed, credit cards with lounge access tend to have very high annual fees. But lounge access itself can be worth several hundred dollars per year, if you actually use it. So combined with your card’s other benefits, you can still get a good deal.

If you have at least good credit and you’re simply looking for a good credit card, Capital One’s lack of a black credit card shouldn’t be a big issue.

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Amex Reward Card Activation Credit Card Guide Amexrewardcardcom

Amex Reward Card Activation American Express is a multinational financial services corporation. AMEX offers several credit card options such as the Blue, Gold, and Platinum cards and co-branded cards with airlines, retail stores, and hotels. The American Express Reward Card is offered in two different versions: the Green card and the Platinum card.

Best American Express Cards

Who’s this for? If you’re whipping up a new recipe, refueling your car or streaming your favorite TV show, it’s a good idea to consider a card that rewards those purchases. The Blue Cash Preferred® Card from American Express is a great choice for anyone who regularly stocks up on groceries, drives or pays for streaming subscriptions since the cash-back program is tailored to those purchases.

Cardholders earn an industry-leading 6% cash back at U.S. supermarkets on up to $6,000 per year in purchases and 6% cash back on select U.S. streaming subscriptions. Plus you earn 3% cash back at U.S. gas stations and on transit and 1% cash back on other purchases.

The list of eligible streaming subscriptions is longer than most cards and includes Netflix, Spotify, Disney+ and more. Learn more about how Amex classifies bonus category purchases.

In addition to rewards, you can take advantage of no interest on purchases for the first 12 months your account is open .

This card has a $0 introductory annual fee for the first year, then $95 , but it can be offset by the cash back you earn and discounts you can get through the Amex Offers. There’s also a no-annual-fee version, the Blue Cash Everyday® Card from American Express, which is the best no-annual-fee Amex card .

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Best Luxury Credit Cards

No, the Visa Black Card doesn’t exist anymore. The offer changed card networks and rebranded from Visa to Mastercard back in 2016. Only the rebranded version of the card now the Mastercard® Black Card is available to new applicants. It’s offered through a partnership between Barclays and the so-called Luxury Card brand same as the Visa Black Card. The Mastercard® Black Card also offers many of the same features as the Visa Black Card. For example, the Mastercard® Black Card has the same annual fee as the old Visa: $495 . And it’s the mid-priced option in a 3-card lineup, which now includes the Mastercard® Gold Card and the Mastercard® Titanium Card.

The Visa Black Card was touted as a luxury status symbol-type credit card, and so is the newer Mastercard® Black Card – though neither is the invitation-only Centurion® Card from American Express, also known as the black card. You won’t need an invitation to apply for the Mastercard® Black Card. All you need is good credit, and you can apply through the Luxury Card website.

The new Mastercard® Black Card offers a few more perks than the Visa version did. They include a $100 annual airline credit, a $100 Global Entry credit once every 5 years, and a carbon/stainless steel card. It also added promotional APR period of 0% for 15 months on balance transfers. And the new card has more valuable points 50,000 points will get you a $1,000 plane ticket, for example.

The Platinum Card From American Express

10 Things You Should Do In American Express Credit Card ...

Our pick for: Luxury travel perks

The Platinum Card® from American Express comes with a hefty annual fee, but travelers who like to go in style can more than get their money’s worth. Enjoy extensive airport lounge access, hundreds of dollars a year in travel and shopping credits, hotel benefits and more. That’s not even getting into the high rewards rate on eligible travel purchases and the rich bonus offer for new cardholders. Read our review.

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Why We Like This Card

If youre a frequent traveler looking for top drawer perks, trip protections, and valuable credits, The Platinum Card® from American Express is a strong choice. The $695 annual fee is high but jetsetters will have no trouble recouping that in a few trips. Cardmembers earn 5X points on flights booked directly with airlines or through American Express Travel , as well as 5X points on eligible hotels booked through American Express Travel. All other eligible purchases earn 1X points.

Hilton Honors American Express Surpass Card: Best For Hilton Hotel Stays

Why we picked it: This card is ideal for the traveler who frequents the Hilton brand. Cardholders earn 12X points for spending at participating hotels and resorts within the Hilton Portfolio 6X points at U.S. restaurants, supermarkets and gas stations and 3X points on all other eligible purchases.

Pros: Theres a welcome bonus of 130,000 points after you spend $2,000 in purchases in the first 3 months of card membership. Plus, you can earn an additional 50,000 points after you spend a total of $10,000 in purchases in the first 6 months. You get automatic Gold Status, 10 Priority Pass lounge passes, and additional perks.

Cons: Theres an $95 annual fee that isnt so easily recouped if you dont frequent Hiltons.

Who should apply? Frequent travelers, particularly Hilton loyalists, can take advantage of elite status and lounge access plus Hiltons expansive network of hotels and resorts around the world.

Read our Hilton Honors American Express Surpass Card review or jump back to this cards offer details.

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Home Trust Secured Visa*

You might be new to Canada, have a problematic credit history, or are just starting out on your own financially. There are many reasons why you might need to build or rebuild your creditbut whatever the case, youll want to take steps towards achieving a healthy credit score. Thats where the no-fee Home Trust Secured Visa can come in. Unlike with conventional credit cards, its easy to be approved for a secured cardyou just need to be a resident of Canada and have a deposit. The Home Trust Secured Visa tops our list for its low minimum deposit and $0 annual fee. With this card, building your credit score is simple and affordable.

  • Annual fee: $0

Tips For New Amexrewardcardcom Card Users:

Amex Credit Cards: How To Get Approved For Your First Card
  • Once you receive a new Membership Rewards card, please allow 3-4 business days for the upgraded offer to be delivered to your online account.
  • You can redeem Membership Reward Points from your amexrewardcard.com card online by going to amexrewardcard.com/redeem and signing in with your membership number and PIN.
  • To enroll for enrollment of credits, please visit americanexpress.com/myca/credit_us, where you will be required to enter your 16 digit card number. If you have not yet activated your card or enrolled for credits enrollment, please sign in to your account at amexrewardcard.com and click enroll credit on the top menu bar.
  • Please review your account statement for accuracy. If you do not recognize a charge, please call the number on the back of your card.

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Td Aeroplan Visa Infinite*

If you tend to fly Air Canada when you can, then the TD Aeroplan Visa Infinite could be the credit card for you. This Visa gives you, and up to eight guests flying on the same itinerary, free checked bags on your Air Canada flights. And when booking, as an Aeroplan credit cardholder, you get preferred pricing , too.

We bet you want to know about the newly revamped Aeroplan plan, too: The earn rate for the card is 1.5 Aeroplan points per $1 spent on gas and groceries. And 1 Aeroplan point per $1 spent on all other purchases. This is a respectable earn rate, since groceries and gas are typically what people spend the most of their money on. You also get great travel insurance, mobile device insurance, purchase security, extended warranty and a Nexus rebate of up to $125.

  • Annual fee: $139
  • Welcome bonus: Earn up to $1,250 in value in the first year: 10,000 Aeroplan points on your first purchase with the card, another 15,000 more when you spend $1,000 in first 90 days, and more. Must apply by December 5, 2021. Quebec residents, .
  • Earn rate: 1.5 Aeroplan points per $1 spent on gas and groceries, 1 Aeroplan point per $1 spent on everything else
  • Our favourite features: Free checked bags and Buddy Pass with Air Canada
  • Additional benefits: Travel insurance, mobile device insurance, up to $125 Nexus rebate every 48 months

Delta Skymiles Platinum American Express Card: Best For Status Chasers

Why we picked it: This card includes an excellent, limited time introductory bonus of 90,000 bonus miles and 10,000 MQMs after spending $3,000 in eligible purchases within the first three months of membership . Frequent travelers and Delta loyalists will be delighted by the long list of travel perks, such as an annual companion certificate, Delta Sky Club access , discounts on inflight purchases, priority boarding, and more.

Pros: Rewards rates are more generous than youll find with other airline-branded cards, with eligible hotel and Delta airline purchases earning 3X miles per dollar, U.S. supermarkets and restaurants earning 2X miles per dollar, and all other eligible purchases earning 1X mile per dollar. Also popular is the annual companion certificate which lets you invite a loved one along on an eligible round-trip domestic flight .

Cons: A potential annoyance for those who tend to carry a balance is the high APR . Thats in addition to the somewhat pricey $250 annual fee .

Who should apply? Delta and SkyTeam regulars who plan to pay their monthly balance in full can get a lot of value out of this card, including a healthy introductory bonus to help you earn miles faster.

Read our Delta SkyMiles® Platinum American Express Card review.

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