Why apply for an American Express Credit Card?
Other than being a payment means for your everyday expenses as well as more important purchases, American Express Credit Cards offer the opportunity to earn a range of rewards: like Membership Rewards points that you can redeem for flights with our leading airline rewards programs, or holidays, or hotel stays, and gift cards. The more you spend, the more points you accrue. There is no expiry date on your Membership Rewards points providing your account is in good standing.
And it doesn’t end at rewards: some selected American Express Credit Cards offer Refund Protection, Purchase Protection, and Online Fraud Protection Guarantee; inclusive insurance benefits when you pay for travel on your American Express Card; and you get 24/7 customer support from American Express and a complimentary flight every year.
Before you apply for a Credit Card consider your spending habits, and the limit you can manage so you do not take on more than you need. Consider what is more important to you: rewards or rates and fees?
A Credit Card is a convenient, flexible way of paying for goods or services around the world. A Credit Card offers a revolving line of credit, so you can carry a balance from one month to the next rather than having to pay the full amount you owe every month.
A Charge Card is different to a Credit Card in that you are required to pay the amount you have charged to the card in full every month. Like Credit Cards, Charge Cards usually come with rewards or other benefits. A Charge Card is like having the convenience of debit card, with the premium benefits of a Credit Card, like rewards, travel insurance, purchase protection, and fraud guarantee.