1 American Express serves as a Card issuer and a merchant acquirer, and maintains direct relationships with Card Members and merchants. This enables the company to operate a closed-loop network and provide marketing programs to merchants and special offers and services to Card Members. This model differentiates the company from the competition and allows access to payment transactions from both the Card Member and the merchant perspective.
2 In the year prior to purchase, when compared to the rest of the active Card Member base (September 2017)
3 When compared to the rest of the active Card Member base (September 2017)
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