Best American Express Credit Cards Of May 2024 – Forbes Advisor – Technologist
As one of the major card issuers in the United States, American Express cards come in two forms popular with many users.
Charge cards allow you to spend just like normal but you’re required to pay off the entire amount every month. Credit cards allow you to carry a balance month to month, but in many instances you’ll be charged interest for doing so.
Amex cards also offer co-branding opportunities with Delta Air Lines, Hilton Hotels and Marriott Hotels, allowing frequent travelers the ability to expand their loyalty and earn even more points.
Types of Amex Cards
If you’re in the market for a credit card and considering American Express, you’ll be pleased to know that Amex offers an extensive range of options to meet your needs. From travel rewards to cash-back cards and business solutions to co-branded partnerships, there’s an Amex card for almost everyone.
Travel Cards
Cash-Back Cards
Co-Branded Cards
Business Cards
Pros and Cons of American Express Cards
American Express offers some of the highest rewards-earning potential of any credit card company on the market today. Some cards offer up to 6% cash back in certain categories, and earning multiple reward points on normal purchases at grocery stores, restaurants and airline tickets are frequent.
Some of the charge cards offered by Amex don’t have pre-set spending limits, meaning that you might be able to make large purchases without worry of going over your credit line. If you have a large purchase coming, you can call up Amex and ask for approval for the purchase to go through.
Speaking of customer service, the help offered by employees of American Express is top notch. No matter if you’re calling to ask about your rewards balance, a credit line increase, or even dispute a charge, expect to be treated like a truly valued customer.
It should be noted that you might find that some smaller establishments don’t accept American Express cards. This used to be a lot more prevalent, but as of February 2022, a report showed that American Express can be accepted at 99% of places that accept credit cards in the U.S.
If you’re averse to annual fees, you might want to look elsewhere. While certain cards, like the Delta Blue, Hilton Honors card or Cash Magnet card come with no annual fees, their rewards are limited. If you’re looking for the best rewards and the highest earning, be prepared to pay every year for that right.
Lastly, many of the American Express cards come with “once in a lifetime language” meaning that if you got a welcome bonus for a card in the past, you might not be able to get the bonus again. While you can have the card, you might not be eligible for the welcome bonus. If you have a question about your eligibility, call American Express to confirm.
Pros
- High rewards-earning rates
- Many cards don’t have preset spending limits
- VIP customer service
Cons
- Overseas acceptance can be limited
- High annual fees for best rewards
- One-time welcome bonuses
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Azeem Rajpoot, the author behind Technolo Gist, is a passionate tech enthusiast with a keen interest in exploring and sharing insights about the rapidly evolving world of technology. With a background in Technologist, Azeem brings a unique perspective to the blog, offering in-depth analyses, reviews, and thought-provoking articles. Committed to making technology accessible to all, Azeem strives to deliver content that not only keeps readers informed about the latest trends but also sparks curiosity and discussions. Follow Azeem on this exciting tech journey to stay updated and inspired.