American Express Credit Cards

Updated: Sep 10, 2020
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The American Express (Amex) network credit cards are the second most popular type of credit card. Amex network cards are accepted all around the world - these cards are not lacking behind their two main competitors, Visa and Mastercard. Credit cards serviced and based on the Amex platform serve several purposes - if you need a credit card, there is always an American Express for your needs.

Below, we're going to cover everything there is to know about this credit card network, including all of its features, pros, and cons. No one sponsors us, so you can rest assured you're getting an objective, unbiased expert opinion.

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American Express is a credit card network, the second most popular credit card network in the world. It has been around for over a century, established in 1850. It was established in Buffalo, New York.

It issues all sorts of consumer credit cards, all of which are based on different packages. The three most popular packages are Green, Gold, and Platinum cards. It is less accepted in Europe than its competitors, while it’s the most widespread card network in the USA. Canada started taking Amex cards in 2017, and they’ve been gaining popularity since.

In recent years, American Express has become more accepted worldwide, giving them more worth for consumers. It snatched the second place from Mastercard, which is the most popular network in 22 countries, while Amex is the most popular network in 23, as concluded by a 2020 Google Trends research.

American Express Financial Services

The Amex Network offers a multitude of financial services, such as:

  • Credit Cards
  • Debit Cards
  • Travelers Cheque
  • eBanking & mBanking
  • Unsecured Personal Loans
  • Paycheck Protection Program Loans
  • Cash Advance Program
  • Different Financing Loans
  • Multiple perks, benefits, and Bonuses
There are many different cards based on the Amex network. Make sure to get one that fits your unique needs best. Since Amex is gaining popularity daily, getting a sound American Express card will be a good investment. Getting in while it’s still early will get you great benefits.

Types of Cards Offered

While American Express is a credit card network, it does offer Amex Credit cards. There is a card for any need, as different cards carry different properties, benefits, and perks. Amex offers standard, reward, charge, secured, business, student, BT transfer, prepaid, and limited-purpose cards.

It is gaining popularity worldwide, and it’s just surpassed Mastercard to become the second most popular credit card network globally. In particular, Amex Canada has seen a skyrocket in popularity, making it a viable card network there as well.

The Amex Network provides some fantastic perks for their policyholders. While all these cards carry unique perks, features, and benefits, they all share the following:

  • No foreign transaction fees
  • Flexible card properties
  • Special discounts
  • Insurance options
  • Purchase protection
  • Zero fraud liability

These perks dictate why American Express is such a popular card network. It offers arguably better perks than its competitors, while also having some particular drawbacks. While different card options might have their unique benefits – all Amex cards share the features mentioned earlier.

If you’re looking to get an Amex card issued outside of American Express themselves, make sure to check the features the issuer offers. While it’s most likely going to include all these features, particular issues might offer more extensive features.

American Express Pros

Amex cards, while different, share quite a lot of their pros. Canadian Amex cardholders can benefit from the following advantages:

Bonus & Cashback Features

These cards are known for their fantastic cashback features. Most cards in Amex’s arsenal have excellent cashback features.

The cashback features with most Amex cards can rack up to 5%, far more than most Mastercard or Visa cards. Aside from the cashback, there are multiple bonuses with most Amex cards.

Functional mBanking and eBanking

Other platforms have been slow to adapt to the new online banking methods. You can fully manage, overview, and use your American Express card through their fantastic online banking features. The service is simple, streamlined, and, most importantly, fully functional.

Amex Point System

Unlike Visa and Mastercard, the Amex point system is functional and beneficial. When you’re using an American Express card, you have much more potential to earn points, which can be redeemed for cash, gift cards, and multiple purchases.

Gaining points with Amex is far simpler than with other credit card networks. All you need to do to gain points is to use your cards. The more you purchase and pay off, the more points you accumulate. You can redeem your points for anything from cashback to traveling.

American Express Cons

Nothing good in life comes without cons, and neither does Amex. It has some drawbacks with particular cards, such as:

Card Acceptance

While these cards are gaining popularity worldwide and in Canada, they’re still far behind Visa in acceptance. American Express cards aren’t as popular with merchants due to their high merchant fees, so a store might not accept these cards. They’re also less prevalent in Europe when compared to both Visa and Mastercard.

High Fees and Interest Rates

Another thing that most of these cards share is the very high maintenance fees and interest rates. General fees, account processing fees, and service charges are sky-high.

High Criteria

Not everyone can get an American Express card. They’re notorious for their high eligibility criteria, meaning they accept only people with proper credit. For Canadian users, this isn’t such a bad thing, as the requirements are slightly less strict than for American policyholders.

American Express Customer Support In Canada

Below, we’re going to give Canadian Amex users a list of customer support landline numbers, and Amex Canada’s address. If you want the full list of numbers, click here.

Amex does not use email. If you have a problem, you can contact them through the many landline numbers, or a live chat option for particular issues.

The Bottom Line

American Express is a renowned, functional, and great platform – and it’s only getting better by the day. It has a vast selection of credit cards for different purposes and has numerous benefits attached to it.

While there are some disadvantages associated with Amex cards, the pros outweigh the cons by a considerable margin. As long as you keep your eye on the money, and use your credit card responsibly, you can rest assured that the Amex network is here for you.

American Express Card Offers Recap

American Express FAQs. What People Ask About American Express Offers

Does Amex offer online banking options?2020-07-29T22:42:23-07:00

American Express cards are renowned for their eBanking and mBanking features. Amex Canada themselves are pioneers of the technology, being one of the first to adopt it. You can pay, monitor, and use your Amex card entirely online. It has a very feature-filled website and app, both of which are equally functional, easy to navigate, and useful.

Are AMEX cards accepted globally?2020-07-29T22:34:48-07:00

Yes. American Express cards are accepted by merchants, retailers, and stores all across the globe. While it’s not the most popular network for European users, it is still widely accepted. Amex has recently taken second place for the most popular network from Mastercard, and it’s the most popular card network in 23 countries across the world. AMEX is gaining significant popularity in Canada, making it an ideal option for Canadian cardholders.

Do American Express Cards come with a lot of benefits?2020-07-29T22:38:40-07:00

American Express cards are renowned for their bonus, point, and cashback features. Most of the cards, even the lower end options, have significant bonus features. The unique point system makes it easy to earn points and allows you to redeem your Amex points for anything from gift cards to airline tickets.

How can I contact Amex Customer Support?2020-07-29T22:45:54-07:00

Amex doesn’t have an email address, but it does have a landline in all countries it operates in. Aside from the landline, you can use the live chat option for particular issues. American Express’s customer support is very knowledgeable, informative, and helpful – so you’re bound to have all of your problems resolved in no time.

Does American Express have high fees?2020-07-30T02:32:25-07:00

Sadly, most American Express cards have many significant fees associated with them. The charges are a bit steep when compared to other networks, and the interest rates are more extensive. If you consider all the benefits American Express offers, the pros might outweigh the cons.

Amex is also known for its relatively high criteria. If you have a bad credit score, you might not be approved for an American Express card.

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