Modern Insights on Credit Cards
Discover the different types of credit cards and their benefits.
FEATURED ARTICLES
Annual Fee & Authorized User Fee – American Express Platinum
Want to know more about the annual fee for The Platinum Card®? Here’s an overview, plus a look at the Card’s abundance of travel and lifestyle credits, perks, and services.
How Much Are American Express Membership Rewards® Points Worth?
American Express Membership Rewards points values differ depending on how and where you redeem them. Here’s what points are worth when redeemed in different ways.
How American Express Purchase Protection Works
Amex Purchase Protection is a Card benefit that covers items stolen or damaged. Learn more about using your Card's purchase protection.
WHAT'S NEW
How to Save a Few Dollars Every Month with a Credit Card
You can save some money each month by maximizing credit card rewards and perks. Learn how cash back, partner offers, and other incentives can help.
Compare Amex Cards to Find the Card that Suits Your Needs
Comparing credit cards is usually the first step to getting a new card. Amex makes it easy to compare Cards so you can choose the right one for your lifestyle.
Can You Pay Rent With a Credit Card?
Some landlords let their tenants pay rent with a credit card. But is it a good idea? That depends on you – and your personal finances. Read on to learn more.
ALL CREDIT CARD BENEFITS ARTICLES
American Express offers three cash back credit cards. Explore each card’s unique benefits, from cash back percentages to welcome offers and more.
Want to save on Delta baggage fees? Card Members can check their first bag free when using their eligible co-branded American Express Card to book a flight with Delta.
Credit card rental car insurance can help you cover costs in the event your rental car is damaged or stolen. Here’s how it works and what it covers.
The American Express Green Card is available exclusively at Amex. Here’s how to get it – plus a rundown of its rewarding travel and dining benefits.
Learn how Delta SkyMiles® American Express Card benefits can maximize every moment of your travel, from miles-boosting welcome bonuses to free checked bags and more.
Credit cards you can use instantly after approval offer new digital wallet options for safe and convenient mobile payments online and in-store. Here’s how they work.
The Amex Fine Hotels + Resorts Program offers eligible Card Members a variety of exclusive perks and benefits at over 1,300 lavish properties worldwide.
Buy now, pay later with Plan It, an Amex Card feature that helps give you more control by letting you split up large purchases into monthly installments with a fixed fee.
Web and smartphone apps can earn you shopping rewards and cash back when you spend online, in addition to your credit card rewards. Here’s a look at this growing trend.
There’s nothing easier than buying a gift card at the last minute. But can you use your credit card to do so?
The Delta SkyMiles Reserve Amex Card offers various airline benefits – from earning miles to complimentary access to the Delta Sky Club – to help unlock great travel experiences.
The American Express Membership Rewards program gives Card Members flexible ways to earn points on eligible purchases, plus a variety of redemption options.
American Express helps protect you from credit card fraud with its advanced fraud protection methods. Here are a few simple steps to keep you safe and alert.
The allure of the American Express® Gold Card’s Rose Gold option goes beyond its many benefits, points-earning potential, or travel and dining credits
The reimagined Blue Cash Everyday Card from American Express provides benefits to help you make the most out of the everyday essentials that move life forward.
The Platinum Card introduces two artistic card designs, so new and existing Card Members can choose the look that expresses their style.
You may not think your credit card APR changes much. But anything from a shifting economy to late payments or changes in your credit score can trigger an APR to rise or fall.
Credit cards with a Global Entry benefit usually pay for your application into Global Entry, which lets travelers speed through U.S. Customs when returning from abroad.
The Platinum Card® from American Express helps keep you inspired every day with its suite of elevated entertainment, wellness, and dining benefits.
Used responsibly, 0% intro APR credit cards can be a great source of inexpensive borrowing and can add to your financial flexibility. But it pays to read the fine print.
Credit cards have undergone big changes in recent years. Learn how credit card use is shifting with the times.
Even if you have dental insurance, you can still face out-of-pocket costs. Paying for dental care with a credit card can help, but it’s not always the best idea.
Looking for the best rewards credit card? Here’s how to find credit cards that generate the most rewards for you, tailored to the way you live, spend, and travel.
Cash back credit cards let you earn cash back in different ways for eligible purchases. Learn how you can earn the most cash with your cash back credit card.
Want to know how to use credit cards to increase your financial flexibility? Here’s how one credit card user has done it over the years.
Amex Gold rewards new Members with a welcome offer and versatile value, including 4X points at restaurants and U.S. supermarkets, dining credits, and Uber Cash.
Understanding how to use your credit card benefits is a part of maintaining healthy finances and helping you achieve your financial goals.
American Express Card ‘levels’ are more like unique categories to match your spending style, from casual spender to luxury traveler – and everyone in between.
Want to know more about the annual fee for The Platinum Card®? Here’s an overview, plus a look at the Card’s abundance of travel and lifestyle credits, perks, and services.
American Express Membership Rewards points values differ depending on how and where you redeem them. Here’s what points are worth when redeemed in different ways.
Amex Purchase Protection is a Card benefit that covers items stolen or damaged. Learn more about using your Card's purchase protection.
You can save some money each month by maximizing credit card rewards and perks. Learn how cash back, partner offers, and other incentives can help.
Comparing credit cards is usually the first step to getting a new card. Amex makes it easy to compare Cards so you can choose the right one for your lifestyle.
Some landlords let their tenants pay rent with a credit card. But is it a good idea? That depends on you – and your personal finances. Read on to learn more.
FEATURED ARTICLES
A new credit card must be activated before you can use it. Each card issuer might have its own set of activation instructions, but the process is usually quick.
How to Dispute a Credit Card Charge
You’re legally entitled to dispute erroneous or fraudulent credit card charges. Learn how to do it and what your rights are during and after the investigation.
What to Know About Credit Card Expiration Dates
All credit cards have expiration dates, but why? Here’s what to know about how long credit cards last, why they expire, and what happens after they expire.
WHAT'S NEW
6 Credit Card Red Flags to Watch Out For
To help find a card that’s a good financial fit, watch out for these six credit card red flags – like unnecessary fees and rewards that expire.
How to Use Text Alerts to Protect Against Fraud
Text alerts are a useful tool to keep financial accounts safe from fraud. Learn how to use them, and how to avoid being used by fraudsters.
What Is Identity Theft Monitoring?
Identity theft monitoring services can alert you to suspicious activity that might otherwise go undetected. These solutions can help you take action to prevent identity theft.
ALL FRAUD & SECURITY ARTICLES
If you use credit cards online, it’s important to learn how to protect yourself from common cybersecurity risks. Most card issuers and merchants can help keep you safe, too.
Phishing scams that aim to steal your information remain extremely common, but basic precautions can help you spot them and avoid falling for them.
Elderly fraud and scams are on the rise, as older adults shift online in a big way – and so do scammers targeting their finances. Here are tips to protect against senior fraud.
Identity theft may be more common than you think. Here are 10 important things to know about identity theft, including how to prevent it and what to do if it happens.
Identity theft can be a costly hassle that affects up to 1 in 3 Americans. Here are 7 common identity theft techniques and related tips to help protect you from each.
Credit card numbers may seem random, but many digits serve a specific purpose, like identifying card issuers or ensuring legitimacy through a special algorithm.
It’s not always possible to find a lost credit card. The good news is that getting a replacement card is usually a simple, straightforward process. Here’s what to do.
Know the key steps to report credit card fraud so you can reclaim your credit as soon as possible.
Knowing the types of gift card scams and tips to avoid them can help keep you safe from this increasingly common form of fraud.
Identity theft can be a costly hassle that affects up to 1 in 3 Americans. Here are 7 common identity theft techniques and related tips to help protect you from each.
There are many ways credit card fraud can be attempted. The good news is that there are plenty of credit card fraud protection tips that can help protect your account.
A new credit card must be activated before you can use it. Each card issuer might have its own set of activation instructions, but the process is usually quick.
You’re legally entitled to dispute erroneous or fraudulent credit card charges. Learn how to do it and what your rights are during and after the investigation.
All credit cards have expiration dates, but why? Here’s what to know about how long credit cards last, why they expire, and what happens after they expire.
To help find a card that’s a good financial fit, watch out for these six credit card red flags – like unnecessary fees and rewards that expire.
Text alerts are a useful tool to keep financial accounts safe from fraud. Learn how to use them, and how to avoid being used by fraudsters.
Identity theft monitoring services can alert you to suspicious activity that might otherwise go undetected. These solutions can help you take action to prevent identity theft.
FEATURED ARTICLES
Amex Rose Gold: How to Make the Most of It
The American Express® Gold Card’s Rose Gold option lets you choose the card that fits your style while earning Uber Cash and more points on dining, groceries, and travel.
Find the Best Credit Cards for Your Credit Score
Your credit score is key to getting approved for a credit card. Considering factors like rewards, APRs, and fees can help you weigh the best credit card for your credit score.
How to Get an Instant Approval Credit Card—and Use it Instantly!
It takes 3 steps to get and use an instant approval credit card – which is different from credit card pre-approval. Learn how to apply for one online.
WHAT'S NEW
Cash Back vs. Travel Rewards: Which May Be Best for You?
Cash back rewards and travel points are two enticing benefits to consider when searching for the “best” credit card for you. Here’s what to know.
Get the Most Out Of Holiday Shopping Using a Credit Card
Planning your holiday shopping list? Learn how using the right credit card when holiday shopping online can help you boost seasonal savings and earn rewards.
Choosing the Best Rewards Credit Card for Entertainment Purchases
The best credit card for entertainment purchases is the one that most matches your lifestyle. Learn more about the benefits and perks of these credit cards.
ALL TYPES OF CREDIT CARDS ARTICLES
Want to know how to get a credit card for the first time? Here are a few expert tips to help you with your search.
The best way to use credit cards with no balance transfer fee is by paying off your debt in the first 12-18 months. Learn more about 0% balance transfer credit cards.
For senior citizens, credit cards can be useful tools for helping achieve a range of retirement goals, from international travel to saving on everyday purchases.
APR and APY both include interest rates, but one is mostly for borrowers and the other for investors. Learn more about the differences between APR and APY.
A low or zero interest credit card can save you money on big purchases while that introductory rate lasts, but it takes many considerations to use them wisely.
Examining your own spending habits will likely point you toward a ‘premium’ card with an annual fee and extensive rewards or one with no annual fee and a lower APR.
With cashlessness on the rise, more people are choosing between debit and credit cards. Here are the fundamental differences that may lead you to conclude only one is best for you.
Choosing between a gas credit card and one that offers airline miles rewards can be easy for some and hard for others. Here are some benefits of each to help you decide.
There are many different types of cash back credit cards. Explore all to find the best credit card that fits your needs and pocket.
Zero interest credit cards can help you save money, but make sure you choose wisely. Follow these rules to avoid penalties in the future.
Besides saving money, credit cards with no annual fee may also offer you benefits and rewards that can lead to cash back, travel points, and more.
Wondering if buying a money order with a credit card is a good idea? Find out why experts say to keep your card in your wallet.
Learn more about the different credit card types and categories out there, such as: travel, balance transfer, rewards, business, and more.
The best dining rewards credit card depends on your spending habits and dining preferences. Learn how choosing the right card can help you maximize dining benefits.
Compare a variety of Delta SkyMiles® American Express Credit Cards to find the Card with the right travel benefits for your lifestyle.
The American Express® Gold Card’s Rose Gold option lets you choose the card that fits your style while earning Uber Cash and more points on dining, groceries, and travel.
Your credit score is key to getting approved for a credit card. Considering factors like rewards, APRs, and fees can help you weigh the best credit card for your credit score.
It takes 3 steps to get and use an instant approval credit card – which is different from credit card pre-approval. Learn how to apply for one online.
Cash back rewards and travel points are two enticing benefits to consider when searching for the “best” credit card for you. Here’s what to know.
Planning your holiday shopping list? Learn how using the right credit card when holiday shopping online can help you boost seasonal savings and earn rewards.
The best credit card for entertainment purchases is the one that most matches your lifestyle. Learn more about the benefits and perks of these credit cards.
FEATURED ARTICLES
CVV numbers are the extra 3- or 4-digit numbers on credit or debit cards. They provide an added layer of security by ensuring the buyer has physical access to their card.
How to Use Your American Express Card with Venmo and PayPal
Amex has teamed up with Venmo and PayPal to enhance the way you send money and split purchases with friends and family. Here’s how it works.
How to Increase Your Credit Limit
Learn how you can increase your credit limit and boost your credit score. Explore the different pros and cons of credit limit increases.
WHAT'S NEW
Can You Make a Car Payment with a Credit Card?
Lenders don’t usually accept car payments made by credit card. While there may be workarounds, you might be charged additional interest and fees.
What Is Credit Card Reconsideration?
Calling a credit card reconsideration line might change the outcome of a rejected card application, but it’s not guaranteed. Learn more.
Do I Have to Pay My Credit Card in Full Every Month?
Paying your card balance in full keeps interest and debt at bay, but choosing to pay over time can afford financial flexibility when paying off major purchases.
ALL UNDERSTANDING CREDIT CARDS ARTICLES
Discover a range of credit card fees, from annual fees, to foreign transaction fees, to less popular fees such as credit limit increase fees.
Gas credit cards offer many benefits, but how are they different from other credit cards? Find out if gas credit cards are the best choice for you.
Before choosing a credit card, make sure to do some research around the best cards that fit your needs. Here’s how to choose one in 2023.
Making only a credit card’s minimum payment can greatly extend the time it takes to pay a balance, and drive up interest costs. But it can make sense—occasionally.
Cash back credit cards have become so popular that there are many to choose from. Learning how they work can help you find the options that are right for you.
Compare the wide range of credit cards and choose the one that suits you best. There are 7 key factors to consider before you apply for one.
Believe it or not, there are at least 5 different kinds of credit card balances. Learn what they are and how they all relate to each other.
Closing a credit card with a zero balance may lower your credit score. But in certain situations, it may be better for your financial well-being.
It’s important to pay your credit card bill in full – and on time – each month. Here’s what you need to know.
Wondering about the Amex Gold Card annual fee? Here’s an overview of what it would cost for you – and any additional Card Members – to carry the Gold Card.
Both a credit card and a personal line of credit can help meet your borrowing needs, but it’s important to understand the nuances that differentiate the two.
Applying for a credit card is a fairly straightforward process, but it’s good to be prepared. This guide may help ensure you have the information you need at hand.
“Should I close credit cards I don’t use?” is a common question with a nuanced answer. Keeping unused cards open can help your credit score, but it’s not always the best move.
Interest is the amount of money a lender charges you to borrow, and interest rates are how they calculate how much to charge. Learn more about interest rates and what determines them.
The definition of a finance charge is any charge associated with using credit cards. Learn more about credit card finance charges and how to avoid them.
Here's a definition of credit cards and an exploration of the different types of credit cards.
How often you use your credit card depends on your financial goals and habits, but it’s usually a good idea to use it at least once a year – and for certain major purchases.
When the Federal Reserve raises or lowers interest rates, credit card interest rates adjust too. Why? Learn how the Fed’s interest rate policy influences credit cards.
Tap-to-pay technology makes it easy to use a contactless credit card at many stores. Here’s what you need to know to use this touchless way to buy goods and services.
Credit card processing is much more intricate than it may seem. Learn everything that happens in the seconds it takes for you to swipe your credit card and be on your way.
Considering a switch to a contactless payment card or digital wallet? Here’s what you need to know about this popular method of purchasing products and services.
Understanding how credit cards work can help you use them to your best advantage. Peek behind the curtain of credit cards’ complex workings.
There are times it makes sense to apply for a new credit card – and times it doesn’t. These considerations can help you decide whether now’s a good time for you to apply.
Understand how to use credit cards effectively as money management tools to manage your money and enhance your lifestyle. Plan your budget to manage your money properly.
A credit card can be declined for many reasons. Understanding why can help prevent it from becoming an unexpected nuisance – or clue you in to a bigger problem.
Wondering if your credit card expires at the beginning or end of the designated month? Learn what happens at expiration and what to do when a new card arrives.
Your credit card statement reveals what you need to know to help stay on top of your finances, such as your overall balance, minimum payment due, and due date.
The ideal number of credit cards to have will vary from person to person. For some it’s one or two, while others may benefit from having quite a few.
An overpaid credit card can result in a negative balance and shrink what you owe on your next statement, but it won’t boost your credit score or credit limit.
Many credit card applications require you to provide a Social Security number, but you may be able to apply even if you don’t have this form of identification.
Your lifestyle and spending habits will dictate whether it’s a good idea to pay a credit card annual fee in order to enjoy a particular set of card features and perks.
For those wondering when and how to get a credit card - whether for yourself or your child - the most important factors to consider are age and financial stability.
CVV numbers are the extra 3- or 4-digit numbers on credit or debit cards. They provide an added layer of security by ensuring the buyer has physical access to their card.
Amex has teamed up with Venmo and PayPal to enhance the way you send money and split purchases with friends and family. Here’s how it works.
Learn how you can increase your credit limit and boost your credit score. Explore the different pros and cons of credit limit increases.
Lenders don’t usually accept car payments made by credit card. While there may be workarounds, you might be charged additional interest and fees.
Calling a credit card reconsideration line might change the outcome of a rejected card application, but it’s not guaranteed. Learn more.
Paying your card balance in full keeps interest and debt at bay, but choosing to pay over time can afford financial flexibility when paying off major purchases.
Many card issuers make it possible
to be approved for a credit card –
and even start using it – within minutes.
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The material made available for you on this website, Credit Intel, is for informational purposes only and is not intended to provide legal, tax or financial advice. If you have questions, please consult your own professional legal, tax and financial advisors.
