American Express Cards

I do know they protect consumers well. I have one..and I use it primarily for business in lieu of the company card I've been provided. The AMEX points are nice as they don't expire. I've had to do charge backs on issues before..AMEX was easy to work with on that.

They are always doing cool shite like this:

LINK

I have the Delta Platinum.

Fee is like $150 if i recall but you get a buy one get one free on Delta and no check bag fees and get to board before everyone.

Also you get the general AMEX stuff like 90 days accidental damage. Drop that laptop within 90 days? Replaced for free.

Also you get double warranty on purchases up to a year. So that iPhone you just bought has two years total.

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I've been told these are the best cards to use if you're going to have a charge card or credit card.

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Both my parents have American Express cards and say the same thing. To be honest I don't really know what makes them so special, but I'm still in school and haven't ever really compared credit cards before.

I have AMEX Blue Cash Everyday because i dont spend enough to justify paying a annual fee. Put if i got an annual fee card i would definetly get a AMEX Blue Cash Preferred.

$75 annual fee,
6% cash back at u.s. stand-alone supermarkets (up to $6000 then 1% after that)
3% cash back at u.s. stand alone gas stations
3% cash back at department stores

So i think if you spend like $50/ week on groceries it would pay for itself.

eta- didnt see the travel perks part so my post is useless.

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Does anybody have any experiences with the travel perks?

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AmEx is my primary card for business purchases. I cashed out a bunch of points to pay for my trip to the BCS. Booked a Delta flight and a nice resort with no problem.

The only problem I have ever had with AmEx travel, is that once I booked an Embassy Suites in Lexington, KY and they put me in the handicap equipped room. Otherwise, I have always had good luck.

Also, I lost my wallet several years ago, and AmEx had me a new card delivered to my door within about 18 hours.

I'm not reading through all of this, but I'll lay a little fact in here.


Amex platinum holder since 2002.... Travel and points...... SUCK. Period. There are far superior cards out there for that.

Perks? Unless you live in a big market i.e. DFW, LA, NYC then it's useless.


Why is it worth it? Customer service and fraud protection. I've had countless fraud attempts on my chase cards, but in a decade not one on the Amex. Lose your luggage? Bumped from a flight? Horrible Hotel experience? Need to return that 82'' flat screen to best buy outside the warranty? Amex delivers.



ETA: Platinum card gets me executive club access + upgrades at most hotels. Also, Amex has the best year end statements.

I have an Amex gold. When do they typically charge you the fees? I've had mine for probably 16 mos now and swear I've never been charged anything.