(by 31 people)
American Express Business Credit Card Offer for everyone
American Express offers a variety of business credit cards, ranging from those fit for small businesses to cards that benefit large corporations. Foreign countries are just as respectful of business cards as with personal cards, and in many cases, the benefits are even better. If your business or the company that employs you requires consistent travel, there may be more rewards available than when each employee uses his or her own credit card. For example, the Platinum Business FreedomPass Credit Card from American Express, each card earns points toward rewards, including free travel and accommodations. So if twelve employees have copies of the FreedomPass Credit Card, the business is rewarded twelve times over.
Charging into credit card options
he initial public offering market provided investors with a little ray of sunshine this week with the successful launch of Visa. The well-known credit card company busted out in a big way, as the shares priced above their expected range at $44 per share, taking the top spot as the largest U.S. IPO ever.
As demand for Visa shares was extremely high, the firm announced Thursday that underwriters exercised their 10% over-allotment option to purchase an additional 40.6 million shares of its Class-A common stock at $44 per share. This is in addition to the original offering of 406 million shares.
Visa now expects net proceeds from the offering (including the over-allotment option, and after deducting underwriting discounts and commissions and estimated offering expenses) to be approximately $19.1 billion--well above the $11 billion record set by the AT&T Wireless IPO.
On its first day of trading, Visa jumped more than 28%; it continued its rally Thursday, adding another 13% to the share price. However, concerns linger that hopes may be too high for the security. Heading into the company's IPO, Wall Street analysts and pundits were singing the company's praises. Analysts called the stock "priceless," a "ray of hope for the IPO market," and a "gift for the market."
From a contrarian perspective, this exuberance on an untested stock raises a red flag: Can the stock actually live up to these high hopes? If it can't, there is a significant danger of a sharp pullback as disappointed investors sell off their shares.
As demand for Visa shares was extremely high, the firm announced Thursday that underwriters exercised their 10% over-allotment option to purchase an additional 40.6 million shares of its Class-A common stock at $44 per share. This is in addition to the original offering of 406 million shares.
Visa now expects net proceeds from the offering (including the over-allotment option, and after deducting underwriting discounts and commissions and estimated offering expenses) to be approximately $19.1 billion--well above the $11 billion record set by the AT&T Wireless IPO.
On its first day of trading, Visa jumped more than 28%; it continued its rally Thursday, adding another 13% to the share price. However, concerns linger that hopes may be too high for the security. Heading into the company's IPO, Wall Street analysts and pundits were singing the company's praises. Analysts called the stock "priceless," a "ray of hope for the IPO market," and a "gift for the market."
From a contrarian perspective, this exuberance on an untested stock raises a red flag: Can the stock actually live up to these high hopes? If it can't, there is a significant danger of a sharp pullback as disappointed investors sell off their shares.
American Express and Delta Introduce Pay with Miles Feature: Use Miles to Book Any Delta Seat, Any Time
American Express and Delta today launched Pay with Miles, an exclusive new built-in benefit for American Express Gold and Platinum Delta SkyMiles Credit Card members. Pay with Miles offers Cardmembers added flexibility, allowing them to book flights on delta.com and use Miles to pay for all or part of a Delta ticket, with no blackout dates or inventory restrictions.
"We are delighted to partner with Delta to offer this new SkyMiles program feature exclusively to our premium American Express Delta SkyMiles Cardmembers," said Pam Codispoti, senior vice president and general manager, American Express. "We have enjoyed a long and successful relationship with Delta providing value to our mutual customers. This exclusive feature adds unprecedented access to Delta flights using Miles, providing our Cardmembers with more flexibility and control over their travel and payment options."
The Pay with Miles feature is an additional option that complements Delta's existing award travel options. Cardmembers can pay with Miles for any Delta seat, in any class of service, on any route. Cardmembers can use all the Miles in their SkyMiles bank, not just those earned by spending on their credit card.
To use the feature, Cardmembers log on to www.delta.com using their SkyMiles number and pin; search for the flights; and select the flight they desire with the Pay with Miles icon. Once the itinerary is chosen, Cardmembers can pay for all of the ticket with Miles; or can pay for some of the ticket with Miles and the balance with their American Express Gold or Platinum Delta SkyMiles Credit Card. Pay with Miles can be used for multiple tickets on the same itinerary.
"We are delighted to partner with Delta to offer this new SkyMiles program feature exclusively to our premium American Express Delta SkyMiles Cardmembers," said Pam Codispoti, senior vice president and general manager, American Express. "We have enjoyed a long and successful relationship with Delta providing value to our mutual customers. This exclusive feature adds unprecedented access to Delta flights using Miles, providing our Cardmembers with more flexibility and control over their travel and payment options."
The Pay with Miles feature is an additional option that complements Delta's existing award travel options. Cardmembers can pay with Miles for any Delta seat, in any class of service, on any route. Cardmembers can use all the Miles in their SkyMiles bank, not just those earned by spending on their credit card.
To use the feature, Cardmembers log on to www.delta.com using their SkyMiles number and pin; search for the flights; and select the flight they desire with the Pay with Miles icon. Once the itinerary is chosen, Cardmembers can pay for all of the ticket with Miles; or can pay for some of the ticket with Miles and the balance with their American Express Gold or Platinum Delta SkyMiles Credit Card. Pay with Miles can be used for multiple tickets on the same itinerary.
Digital Pickpocketing at Black Hat %u201808
It's not surprising that some frightening new security exploits came out of the Black Hat conference in Washington DC this week. One exploit in particular caught my eye because it relates to something I carry around in my wallet, my American Express credit card.
A guy named Adam Laurie who is considered an expert in RFID (radio frequency identification) can read the data on any smart chip enabled credit card. He's been developing a Python script that he demonstrated at the conference. The Python script allows Adam to retrieve the account number, the account holders name, and the expiration date from a card in someones wallet.
It's a scary thought that no matter where you keep your wallet, in your front pocket chained to yourself it doesn't matter, pickpocketing is now taking a digital form. This is not only a problem for smart chip credit cards, but could pose a threat to anything that uses RFID.
A guy named Adam Laurie who is considered an expert in RFID (radio frequency identification) can read the data on any smart chip enabled credit card. He's been developing a Python script that he demonstrated at the conference. The Python script allows Adam to retrieve the account number, the account holders name, and the expiration date from a card in someones wallet.
It's a scary thought that no matter where you keep your wallet, in your front pocket chained to yourself it doesn't matter, pickpocketing is now taking a digital form. This is not only a problem for smart chip credit cards, but could pose a threat to anything that uses RFID.
How to get the credit you deserve
EGG stirred up a storm with its unexpected announcement of a crack-down on 161,000 customers by cancelling their credit cards - leaving many worried customers wondering where to turn next. While Egg insists the cardholders selected had a "higher than acceptable risk profile" many claim that the bank has targeted not only those with a poor credit rating but also those with a good credit rating who simply do not make the bank enough money.
Steve Willey, of Moneysupermarket.com, the price comparison website, says that if the move was to stop further credit-card spending by riskier Egg customers it should be applauded. But he adds that if it also targets many who pay their balance in full, it is disappointing.
Either way, the announcement at the end of January left many of the internet bank's consumers anxious to find a new provider.
When choosing a credit card, there are two factors to bear in mind, says David Black, of Defaqto, the financial analyst: "Firstly, what you want from a card and how you use it will determine whether you opt for a balance transfer, introductory purchase, standard rate or cashback card." The second factor - increasingly important as the credit crunch takes hold - is your credit rating.
Mr Black adds that customers can best take advantage of the deals by taking out separate cards for balance transfers and continuing purchases. This, he explains, avoids getting stung by a ploy known as "allocation of payments" or "payment hierarchy", where your repayments are applied to the lowest debt first.
For standard-rate cards, Ms Slade suggests Barclaycard's Simplicity Visa with a purchase APR of 6.8 per cent and the flat-rate Mastercard from Intelligent Finance at 8.9 per cent.
Another option for customers who clear their card each month is a cashback card. Mr Black picks out American Express's Platinum Moneyback credit card with an introductory 5 per cent cashback for three months on spending of up to £4,000 a year, and standard cashback of 0.5 per cent on spending of up to £3,500 a year. Elsewhere, Mr Slade chooses Capital One's card offering cashback of 1 per cent a year on spending of up to £2,000.
In the longer term, Mr Black says that changes to the credit-card market could include providers introducing monthly or annual fees: "Aside from Egg, one or two providers have already toughened up. Lloyds, for example, started levying a 1 per cent fee on 'low-usage' customers about a year ago, and other providers may do the same. Egg is not the first, or the last, to crack down on customers."
Apply online low APR credit card as per your need:
Jet Blue Card from American Express
Blue Sky® Credit Card
Gold Delta SkyMiles® Credit Card
Clear from American Express®
Steve Willey, of Moneysupermarket.com, the price comparison website, says that if the move was to stop further credit-card spending by riskier Egg customers it should be applauded. But he adds that if it also targets many who pay their balance in full, it is disappointing.
Either way, the announcement at the end of January left many of the internet bank's consumers anxious to find a new provider.
When choosing a credit card, there are two factors to bear in mind, says David Black, of Defaqto, the financial analyst: "Firstly, what you want from a card and how you use it will determine whether you opt for a balance transfer, introductory purchase, standard rate or cashback card." The second factor - increasingly important as the credit crunch takes hold - is your credit rating.
Mr Black adds that customers can best take advantage of the deals by taking out separate cards for balance transfers and continuing purchases. This, he explains, avoids getting stung by a ploy known as "allocation of payments" or "payment hierarchy", where your repayments are applied to the lowest debt first.
For standard-rate cards, Ms Slade suggests Barclaycard's Simplicity Visa with a purchase APR of 6.8 per cent and the flat-rate Mastercard from Intelligent Finance at 8.9 per cent.
Another option for customers who clear their card each month is a cashback card. Mr Black picks out American Express's Platinum Moneyback credit card with an introductory 5 per cent cashback for three months on spending of up to £4,000 a year, and standard cashback of 0.5 per cent on spending of up to £3,500 a year. Elsewhere, Mr Slade chooses Capital One's card offering cashback of 1 per cent a year on spending of up to £2,000.
In the longer term, Mr Black says that changes to the credit-card market could include providers introducing monthly or annual fees: "Aside from Egg, one or two providers have already toughened up. Lloyds, for example, started levying a 1 per cent fee on 'low-usage' customers about a year ago, and other providers may do the same. Egg is not the first, or the last, to crack down on customers."
Apply online low APR credit card as per your need:
Jet Blue Card from American Express
Blue Sky® Credit Card
Gold Delta SkyMiles® Credit Card
Clear from American Express®
American Express, Air Miles Reward Program launch American Express Air Miles Platinum Credit Card
American Express Canada teams with the provider of customer loyalty programs Air Miles Reward Program to launch Platinum co-brand credit card American Express Air Miles Platinum Credit Card. Air Miles Reward Program is part of the Alliance Data Loyalty Services companies network.
With the new card, Air Miles cardmembers can earn 50 more Air Miles reward mile for every USD 10 in purchases charged to the card at Air Miles sponsors like SportChek (Sport Experts), A&P, Safeway, PharmaPlus/Rexall, Shell, Rona and WestJet. Customers can also earn 1 Air Miles reward mile for every USD 15 in purchases charged to the card everywhere else. Moreover, American Express Air Miles Platinum Credit Card and Air Miles Collector Card cardmembers can shop at more than 9,600 locations across Canada to earn reward miles from both the Sponsor and American Express. The annual fee for the card is CAD 50. New card members and credit card members who choose to upgrade to the Platinum Credit Card will receive 250 bonus reward miles. Insurances and benefits of the card include Car Rental Theft and Damage Insurance, Travel Accident Insurance, Purchase Protection Plan, Buyers Assurance Protection Plan, Front of The Line ticket access to entertainment events, 24/7 customer service etc.
With the new card, Air Miles cardmembers can earn 50 more Air Miles reward mile for every USD 10 in purchases charged to the card at Air Miles sponsors like SportChek (Sport Experts), A&P, Safeway, PharmaPlus/Rexall, Shell, Rona and WestJet. Customers can also earn 1 Air Miles reward mile for every USD 15 in purchases charged to the card everywhere else. Moreover, American Express Air Miles Platinum Credit Card and Air Miles Collector Card cardmembers can shop at more than 9,600 locations across Canada to earn reward miles from both the Sponsor and American Express. The annual fee for the card is CAD 50. New card members and credit card members who choose to upgrade to the Platinum Credit Card will receive 250 bonus reward miles. Insurances and benefits of the card include Car Rental Theft and Damage Insurance, Travel Accident Insurance, Purchase Protection Plan, Buyers Assurance Protection Plan, Front of The Line ticket access to entertainment events, 24/7 customer service etc.
American Express Gift Cards
American Express gift cards are a very versatile gift. They are accepted everywhere American Express credit cards! Whether it's a gift for a holiday, a birthday or a special birthday gift cards are always a great way to go. So go the extra step with American Express gift cards and let the recipient gift shop almost anywhere!
Perhaps your gift recipient is not the type to use credit cards. That is fine! There are also American Express gift cheques available. Used by analogy with gift certificates, which make great gifts for people who prefer the convenience of a check.
Different people have different needs and wants. And finding the perfect gift for everyone is not always easy. So let us college grad choosing a new stereo, or that new mothers save your gift in her first post-baby date with her husband. Everything that your gift recipient wants or needs is easy to achieve with an American Express gift card.
Perhaps your gift recipient is not the type to use credit cards. That is fine! There are also American Express gift cheques available. Used by analogy with gift certificates, which make great gifts for people who prefer the convenience of a check.
Different people have different needs and wants. And finding the perfect gift for everyone is not always easy. So let us college grad choosing a new stereo, or that new mothers save your gift in her first post-baby date with her husband. Everything that your gift recipient wants or needs is easy to achieve with an American Express gift card.
AmEx Warning Heightens Economic Concerns
Credit card payments appear to be the latest domino to fall as part of the spiraling economic woes wrought by the collapse of the subprime mortgage market.
American Express Co. (AXP: 42.77, -1.73, -3.88%) rattled Wall Street after saying it expects to take a $440 million pre-tax fourth-quarter charge to cover losses caused by credit card holders who haven't paid their bills.
The announcement prompted new fears of a pending recession.
American Express Chief Executive Kenneth I. Chenault blamed the $440 million hit on the U.S. housing crunch, and noted that the pain will likely spread in 2008. The company's shares tumbled nearly 10% Friday, leading a broad selloff.
Mortgage defaults hit record highs in 2007, and the bleeding quickly spilled over into auto loans, which also saw record default rates last year. And last week phone company AT&T said it disconnected more than 450,000 residential lines in the third quarter due to delinquent payments.
Analysts said it was just a matter of time before credit card companies began to feel the pinch.
"I'm not surprised. What's happened is that the piggy bank has run dry," said Lita Epstein, a credit expert and author of the recently published "Complete Idiots Guide to Improving Your Credit Score."
Epstein explained that in recent years, as the value of U.S. homes steadily climbed, many Americans got in the habit of using their home equity lines of credit to pay off big credit card bills.
American Express Co. (AXP: 42.77, -1.73, -3.88%) rattled Wall Street after saying it expects to take a $440 million pre-tax fourth-quarter charge to cover losses caused by credit card holders who haven't paid their bills.
The announcement prompted new fears of a pending recession.
American Express Chief Executive Kenneth I. Chenault blamed the $440 million hit on the U.S. housing crunch, and noted that the pain will likely spread in 2008. The company's shares tumbled nearly 10% Friday, leading a broad selloff.
Mortgage defaults hit record highs in 2007, and the bleeding quickly spilled over into auto loans, which also saw record default rates last year. And last week phone company AT&T said it disconnected more than 450,000 residential lines in the third quarter due to delinquent payments.
Analysts said it was just a matter of time before credit card companies began to feel the pinch.
"I'm not surprised. What's happened is that the piggy bank has run dry," said Lita Epstein, a credit expert and author of the recently published "Complete Idiots Guide to Improving Your Credit Score."
Epstein explained that in recent years, as the value of U.S. homes steadily climbed, many Americans got in the habit of using their home equity lines of credit to pay off big credit card bills.
MBNA launches Two New bmi American Express(R) Credit Cards
MBNA today announced the launch of two new credit cards with bmi after signing a new deal to provide credit cards for Heathrow's second largest airline. Both cards offer a competitive rate of interest plus travel rewards which can be redeemed against flights with bmi.
The new bmi American Express Credit Card from MBNA, offers 1.5 destinations miles for every GBP1 spent on the card, plus new Card members will earn 20,000 bonus destinations miles when they spend GBP250 on their card within 90 days of account opening, enough for a return flight to Europe. This annual fee free card offers 0 per cent p.a. on balance transfers for the first 12 months from the date the account is opened (3% handling fee) , plus 0 per cent on card purchases for the first 3 months. After the introductory period the card will revert to a typical rate of 15.9% APR (variable).
The second card, the bmi plus American Express(R: 41.83, +0.21, +0.50%) Credit Card from MBNA, offers Card members two destinations miles for every GBP1 spent on the card, plus new Card members will earn 24,000 bonus destinations miles when they spend GBP250 on their card within 90 days of account opening, enough for a return flight to Europe. The new card offers 0 per cent p.a. on balance transfers for the first 12 months from the date the account is opened (3% handling fee), plus 0 per cent on card purchases for the first 3 months. After the introductory period the card will revert to a standard typical rate of 17.9% APR (variable) (27.1% APR including an annual fee of GBP60).
The new bmi American Express Credit Card from MBNA, offers 1.5 destinations miles for every GBP1 spent on the card, plus new Card members will earn 20,000 bonus destinations miles when they spend GBP250 on their card within 90 days of account opening, enough for a return flight to Europe. This annual fee free card offers 0 per cent p.a. on balance transfers for the first 12 months from the date the account is opened (3% handling fee) , plus 0 per cent on card purchases for the first 3 months. After the introductory period the card will revert to a typical rate of 15.9% APR (variable).
The second card, the bmi plus American Express(R: 41.83, +0.21, +0.50%) Credit Card from MBNA, offers Card members two destinations miles for every GBP1 spent on the card, plus new Card members will earn 24,000 bonus destinations miles when they spend GBP250 on their card within 90 days of account opening, enough for a return flight to Europe. The new card offers 0 per cent p.a. on balance transfers for the first 12 months from the date the account is opened (3% handling fee), plus 0 per cent on card purchases for the first 3 months. After the introductory period the card will revert to a standard typical rate of 17.9% APR (variable) (27.1% APR including an annual fee of GBP60).
Get Tips for American Express Gift Cards
American Express today launched a consumer awareness campaign in select markets to help consumers get the most out of the American Express® Gift Cards they receive this holiday. Most Americans can expect to receive at least one gift card this holiday, according to the American Express Gift Card Survey.American Express is encouraging consumers to be smart with their Gift Cards:
Know your balance. Just like you need to remember your parking space at the mall, you need to remember how much you have left on your Gift Card. Jot down the balance somewhere - even if it's on the packaging slip that the Gift Card came in. You can also keep track on the Web by entering your American Express® Gift Card number on website.
Go use it. Someone gave you a Gift Card so you could splurge on yourself. Redeem your card sooner rather than later. Keep it safe and in your wallet, ready to redeem for that special gift when you find it.
Show the cashier. When you're ready to use your Gift Card, let the cashier know right away how much you plan to pay with the Gift Card, and if you plan to pay some other amount with cash or another kind of card. The cashier is going to have a check-out system to accept the gift card, and it's different in each store. Know more about Blue Cash from American Express. You want to get through that check-out line quickly, and everyone behind you does too. Telling the cashier upfront that this will be a Gift Card transaction will help everything go smoothly.
Recipients of the American Express Gift Cards can also take advantage of special offers when redeeming the Gift Card at best-of-brand retailers, restaurants and merchants. Details of the special offers program are available at american express website. Offers are subject to change without notice.
The Centurion Card, dubbed "the black card"
The people most likely to benefit through using a premium card are big spenders who travel overseas at least once a year.
That's because the offer of free travel insurance will more than make up for an increase in annual fees. But for those with the means to pay for the ultimate credit card experience, there's the Centurion Card, dubbed "the black card".
Issuers American Express have just begun re-issuing the invitation-only card on titanium metal in a further bid to set it apart. "It's the only metal card in the world,".
That's because the offer of free travel insurance will more than make up for an increase in annual fees. But for those with the means to pay for the ultimate credit card experience, there's the Centurion Card, dubbed "the black card".
Issuers American Express have just begun re-issuing the invitation-only card on titanium metal in a further bid to set it apart. "It's the only metal card in the world,".
American Express Credit Card Application
There are a few different kinds of credit card applications you can fill out. There are those for companies, those that go through your bank, and then ones that are for specific department stores. Credit cards that are directly from companies such as American Express will most likely ask you for the basic information, name, date of birth, if you own or rent your place of residence. They will also ask you for your annual household income, and what types of rewards if any that you want. Then there are the applications for credit cards through your bank. Now these ask the basic same questions, and sometimes there is an option to have the money automatically take from your account, or you can simply pay a small amount every month. Lastly there are the department store credit cards. Usually on the application they ask you for your bank account information to ensure you have a means of paying the bill. The questions on all credit card applications are generic and usually the same.Please click here to compare and apply for American Express Blue Credit Card.
different type of american express credit cards
How to Get, Keep and Use Visa, Mastercard and American Express Credit Card Merchant Status to Earn Millions: Even If You Work at Home, Operate a Mai
Amazon Price: $49.95 (as of 12/02/2008) 
Give American Express credit for slyness.(Brief Article): An article from: Fairfield County Business Journal
Amazon Price: $5.95 (as of 12/02/2008)
American express credit card links
Take advantage of an American Express Credit Card Offer and enjoy world class benefits, including cash back rewards, purchase security, flexible payment options, year end reports and more.
Fetching RSS feed... please stand byRewards American Express Card
It's good news folks for all Bank of America fans. Open your arms to receive the Rewards American Express Card from Bank of America. What makes this credit card special is that it will be readily accepted across the global network of American Express . Proudly called the Bank of America - Rewards%u2122 American Express Card, it brings together the goodness of both the Bank of America and American Express. Let us look at some of its features.
Basic features highlights
1. 0% Introductory APR (Annual Percentage Rate) on balance transfers and cash advance checks for first 12 billing cycles.
2. Low fixed interest rates after the introductory rate has expired.
3. No annual fee.
4. Option to pay over time.
5. Emergency services such as replacement of prescription, physicians, hospitals, and referrals as well as legal referral services.
6. Extended warranty protection on purchases from scheduled outlets
7. Insurances for accident, damage and rental loss, while traveling
8. Protection against damage or theft of the card
So, what are you waiting for? If you have an average credit score and want a credit card that gives you exceptional benefits, easy repayment options and the wide acceptability of American Express, Bank of America - Rewards %u2122 American Express Card is for you.
Basic features highlights
1. 0% Introductory APR (Annual Percentage Rate) on balance transfers and cash advance checks for first 12 billing cycles.
2. Low fixed interest rates after the introductory rate has expired.
3. No annual fee.
4. Option to pay over time.
5. Emergency services such as replacement of prescription, physicians, hospitals, and referrals as well as legal referral services.
6. Extended warranty protection on purchases from scheduled outlets
7. Insurances for accident, damage and rental loss, while traveling
8. Protection against damage or theft of the card
So, what are you waiting for? If you have an average credit score and want a credit card that gives you exceptional benefits, easy repayment options and the wide acceptability of American Express, Bank of America - Rewards %u2122 American Express Card is for you.
The Black American credit card
The Black American credit card, is also called the 'Centurion card' and it has a cool black mystical design - great enuogh to inspire a cult.
This credit card is so exclusive that it is offered to select celebrities super rich by invitation only.
The Black American credit card is the ultimate level of credit card status surpassing the platinum level by a huge huge margin.
There is no pre-set spending limit on the Black American credit card.
It is the most expensive credit card in this world with an annual fee of $2500.
Though the offer is by invitation only, it is not free to enroll, actually one has to shell out a sum of $5000 just for enrolment with the Centurion credit card.
To qualify for the Black American credit card a person must have excellent credit history and has to spend a minimum of $250,000 within 12 consecutive months.
This credit card is so exclusive that it is offered to select celebrities super rich by invitation only.
The Black American credit card is the ultimate level of credit card status surpassing the platinum level by a huge huge margin.
There is no pre-set spending limit on the Black American credit card.
It is the most expensive credit card in this world with an annual fee of $2500.
Though the offer is by invitation only, it is not free to enroll, actually one has to shell out a sum of $5000 just for enrolment with the Centurion credit card.
To qualify for the Black American credit card a person must have excellent credit history and has to spend a minimum of $250,000 within 12 consecutive months.
Platinum Business From American Express
If an unmatched business credit card with fee free membership reward program, from one of the leading credit card providers in USA is your priority, the Platinum Business From American Express is the right credit card for you. Backed by unmatched service and professionalism of American Express the Platinum Business Credit Card brings you a vital mix of business and reward credit card. A glimpse of the features of Platinum Business Credit Card from American Express, will surely convince any small business owner about its financial prowess.Basic features highlights:
The Platinum Business Credit Card comes fully loaded with the following basic features:
* No annual fee
* 0% Introductory APR for the first 12 months on purchases.
* A 7.99% rate on balance transfers made during the six-month introductory period.
* Purchase protection
* Extended warranty for purchases
* Auto rental insurance
* Up to $100000 in travel accident insurance
* Lost luggage insurance
* Emergency card replacement services
New Link List
- Credit card debt in USA: 3 Important reasons why it is getting out of control
- According to a study an average American owes about $10,000 in debt and that too at a whopping 14% interest rate. What are the most important things that lead a person to credit card debt? In this article we analyse few of them.
- Two ways how ending a credit card account can hurt your credit history
- The strange fact is that if you get rid of a credit card without giving thought to the points listed in this article, you could be shooting yourself in the foot. Yes, it could damage your credit history further.
- 5 proven tips to save a fortune on your airline reward credit card
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Business reward cards from American express
Amex Blue Cash for Business* Up to 5% cash rebate
* No annual fee
* 0% APR during your first 6 months
--------- Click here to apply online and get instant approval -------
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Blue from American Express* Fee-Free Rewards Program
* 0% APR for up to 15 months
* No Annual Fee
* Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance.
* Blue is your launch pad to standout shopping and entertainment rewards and one-of-a-kind experiences.
-------- Click here to apply online and get instant approval --------
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Platinum Business Credit Card from OPENSM The Small Business Team* Pay Over Time or In Full
* No annual fee
* 0% Intro APR for Purchases
* Option to Enroll in Fee-Free Rewards Program
-------- Click here to apply online and get instant approval ----------
Black American Express credit cards
Black American Express credit cards are so exclusive you cannot apply for one. In fact, you need a special invitation to have one. Moreover, for you to even be considered eligible for an invite, you need to be an American Express cardholder of excellent credit standing. Additionally, you must charge an average of $250,000 a year.
Black American Express credit cards also bill you a gargantuan annual fee. When the cards were first launched, the annual fee was only $1,000. Today, it has increased to a whopping $2,500.
Check out a great American Express credit card
Black American Express credit card Benefits
Black American Express credit cards come with a personal concierge, complete with a direct phone number and email address. The concierge does the cardholder's bidding, as long as this is legal. Personal concierges typically make travel arrangements and secure tickets to sold-out events at very short notice.
As if that is not impressive enough, Black American Express credit cards also provide other exclusive privileges, such as complimentary companion airline tickets to trans-Atlantic flights, personal shoppers at high-end shops like Gucci and Saks Fifth Avenue, and a complimentary suite in any Mandarin Oriental hotel worldwide every year.
The legendary Black American credit card demystified
Black American Express credit cards also bill you a gargantuan annual fee. When the cards were first launched, the annual fee was only $1,000. Today, it has increased to a whopping $2,500.
Check out a great American Express credit card
Black American Express credit card Benefits
Black American Express credit cards come with a personal concierge, complete with a direct phone number and email address. The concierge does the cardholder's bidding, as long as this is legal. Personal concierges typically make travel arrangements and secure tickets to sold-out events at very short notice.
As if that is not impressive enough, Black American Express credit cards also provide other exclusive privileges, such as complimentary companion airline tickets to trans-Atlantic flights, personal shoppers at high-end shops like Gucci and Saks Fifth Avenue, and a complimentary suite in any Mandarin Oriental hotel worldwide every year.
The legendary Black American credit card demystified
How to Get Black American Express credit card
While most credit card companies relentlessly hound you to apply for a credit card, providers of Black American Express credit cards do the opposite. Black American Express credit cards are so exclusive you cannot apply for one. In fact, you need a special invitation to have one. Moreover, for you to even be considered eligible for an invite, you need to be an American Express cardholder of excellent credit standing. Additionally, you must charge an average of $250,000 a year.Apply online for American Express Blue Credit card and enjoy the benefits of a truly rewarding credit card.
Black American Express credit cards also bill you a gargantuan annual fee. When the cards were first launched, the annual fee was only $1,000. Today, it has increased to a whopping $2,500.
Airline Reward credit cards from American Express
Jet Blue Card from American Express
* Get ready for takeoff. 5,000 Award Dollars, that's 25 TrueBlue® points, with the first purchase on your Card
* Earn Award Dollars out of the blue. One Award Dollar for virtually every dollar spent
* Finally, an exchange rate that works in your favor. 200 Award Dollars = 1 TrueBlue Point and 100 TrueBlue points = one round trip flight
* Just relax and earn rewards faster. Double Award Dollars on entertainment, leisure, travel, and dining
* The annual fee is only $40.
..............Click Here to Apply online............
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Blue Sky® Credit Card
Get Blue Sky®. Say Good-bye to Travel Reward Restrictions.
* Save on any airline, hotel, or rental car
* No blackout dates, no travel restrictions
* No annual fee and a 0.00% intro APR
* World class American Express® benefits
...............Click Here to Apply Online...........
* Get ready for takeoff. 5,000 Award Dollars, that's 25 TrueBlue® points, with the first purchase on your Card
* Earn Award Dollars out of the blue. One Award Dollar for virtually every dollar spent
* Finally, an exchange rate that works in your favor. 200 Award Dollars = 1 TrueBlue Point and 100 TrueBlue points = one round trip flight
* Just relax and earn rewards faster. Double Award Dollars on entertainment, leisure, travel, and dining
* The annual fee is only $40.
..............Click Here to Apply online............
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Blue Sky® Credit Card
Get Blue Sky®. Say Good-bye to Travel Reward Restrictions.
* Save on any airline, hotel, or rental car
* No blackout dates, no travel restrictions
* No annual fee and a 0.00% intro APR
* World class American Express® benefits
...............Click Here to Apply Online...........
Gold Delta SkyMiles® Credit Card
Your next vacation is closer than you think.
* Special offer: 15000 bonus miles with your first purchase1
* 2,500 bonus miles for adding an additional cardmember2
* No annual fee for the first year
* Always Double Miles® on eligible everyday purchases and all Delta purchases
* One mile for every other eligible dollar spent
...............Click Here To Apply Online..............
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American Express® AIR MILES®* Credit Card
A FAST and EASY way to collect AIR MILES reward miles.
* No Annual Fee
* 100 reward miles the first time you use your Card
* 1 reward mile for every $20 in purchases charged to your Card
* 3.99% on balance transfers for the first six months of Card membership, provided your account is and remains in good standing
.............Click Here To Apply Online..............
Your next vacation is closer than you think.
* Special offer: 15000 bonus miles with your first purchase1
* 2,500 bonus miles for adding an additional cardmember2
* No annual fee for the first year
* Always Double Miles® on eligible everyday purchases and all Delta purchases
* One mile for every other eligible dollar spent
...............Click Here To Apply Online..............
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American Express® AIR MILES®* Credit Card
A FAST and EASY way to collect AIR MILES reward miles.
* No Annual Fee
* 100 reward miles the first time you use your Card
* 1 reward mile for every $20 in purchases charged to your Card
* 3.99% on balance transfers for the first six months of Card membership, provided your account is and remains in good standing
.............Click Here To Apply Online..............
Black American Express Cards have UNLIMITED CREDIT LINES.
This means you can walk to any Auto Dealership and buy a Ferrari right there on the spot with the Card and then you can go to any Yatch Store and buy a Boat right there on the spot and you can even buy a Jet if you want with the Card.
To get one all you have to do is apply for a Platinum American Express Card and charge at least $200,000.00 every year for three years in a roll.
Apply now for a Platinum Business Cash Rebate Card from American Express
The Titanium card
The Titanium card replaced the previous plastic "black" American Express charge card. The new titanium card is still black in colour and also retains the "Centurion" title as the most elite charge card that American Express issue by invitation only. The annual fee incresed in Australia this year to 4,300 dollars per annum. Annual spend in excess of 250,000 is required with the account paid in full each month. There are thought to be less than 10,000 cards in circulation worldwide.
To get one all you have to do is apply for a Platinum American Express Card and charge at least $200,000.00 every year for three years in a roll.
Apply now for a Platinum Business Cash Rebate Card from American Express
The Titanium card
The Titanium card replaced the previous plastic "black" American Express charge card. The new titanium card is still black in colour and also retains the "Centurion" title as the most elite charge card that American Express issue by invitation only. The annual fee incresed in Australia this year to 4,300 dollars per annum. Annual spend in excess of 250,000 is required with the account paid in full each month. There are thought to be less than 10,000 cards in circulation worldwide.
0 percent credit card balance transfer
You can save hundreds of dollars by using 0% credit card balance transfer. Many credit card companies provide 0% credit card balance transfer offers and by moving old car to new one with at least 6 month 0% credit card balance transfer. By transfer balance high interest rate to low one and get a break on the interest. The major issuers of credit cards, Visa, MasterCard, Amex, American Express and Discover, do not penalize for transferring balances, so transfer your balance to a lower interest credit card or one with a low introductory interest rate, or get a credit card debt consolidation loan. American Express has one such credit card with no balance transfer fees it is called Clear from American Express You see, what the big credit card issuers like American Express , Chase, Discover Card and Bank of America are hoping is that they will gain new customers by offering generous balance transfer deals. Also, what these credit card companies know is that the vast majority of these card holders will not pay off their balances before the introductory rate expires. Of course, if you can't pay off your balance before the introductory rate expires, you're not out of luck. You can always apply for a new credit card with a low introductory rate, and transfer your balance yet again. Still, if you are currently considering a credit card balance transfer I urge you to sit down and figure out exactly how much you owe on your current charge cards and set up a monthly pay schedule. American Express Centurion black card is the world's most exclusive card
American Express Centurion black card which, the company claims, is "the world's most exclusive card . . . designed to meet the needs of the super-affluent". But there is a catch. Money alone cannot guarantee you the shiny black card. Instead you must wait to be invited to apply. Gail Hodges, the director of UK premium cards at American Express, explains: "A select group of our members, who are high spenders and regular users of the benefits that American Express offers, are invited to hold the Centurion card." They face a stiff charge of £650 a year for the privilege.If you prefer credit to charge cards, the high street banks offer black credit cards, plus perks, if you manage to fall into the "high net worth" category.
At Lloyds TSB, for example, private banking clients who earn at least £250,000, or who have more than £250,000 of savings and investments, are eligible for its Private Banking American Express credit card which costs £250 a year. The interest rate is a modest 10.4 per cent, but once the annual fee is included, the APR rises to 45.2 per cent. Customers have free access to a concierge service which would normally cost £120 a month.
NatWest and Royal Bank of Scotland charge 11.2 per cent on their black credit card, which also offers concierge services, for those who earn at least £75,000 a year. Include the £250 annual charge, however, and the effective rate rises to a staggering 50.3 per cent.
At Barclays and HSBC, the perks are more limited. Barclays has two black cards. Customers who earn at least £100,000 can have the Infinite card, which provides travel insurance and access to concierge services, but only allows six visits a year to an airport lounge. The annual fee is £150.
Customers of Barclays Private Bank who have at least £500,000 of assets, get a black charge card at no extra charge, but there are no free perks.
Credit card from American express is a best choice
Credit card from American express is a best choice. It is one of the most popular credit cards in the market. It provides many good offers for its clients. People can make use of the perks offered by American Express.Clear from American Express is one such credit card which brings so many benefits to their users. With American express credit card its assured that your purchases are safeguarded. You can have your purchases enjoy warranties and protection from fraud. You can also avail of the special offers when you use the Blue American Express in your travels.
American Express issues their own directly to the consumer. As well, they have their own system for payment. Unlike Master and Visa, they are in charge of every aspect of issuing and taking care of it. Therefore, when you see the logo, you will know exactly where it was issued.
Check out the Clear from American Express
Bank of America started offering cards with personal photo
Bank of America started offering cards with personal photos in December 2002 with its "Photo Expressions" feature on its Visa Platinum Plus Card. The bank produces the cards in-house, using software by San Ramon, Calf.-based AdMission Corp. to let customers upload photos online. Last year, the bank expanded its do-it-yourself options with a "Pet Rewards" Visa, giving proud animals owners a chance to cover a photo of their pet at the check-out line.
-------Checkout a great credit card Clear from American Express NOW! --
-------Checkout a great credit card Clear from American Express NOW! --
Platinum Business Card from American Express
The Platinum Business Card from American Express offers 0% APR for the first twelve months and no annual fee. It also includes two fee-free additional cards. With the Platinum Business Card from American Express, you can earn points toward rewards from 20 airlines, 150 hotels, and some of the biggest names in shopping and entertainment.As a small business owner, it is important to have access to various sources of capital. Platinum Business Credit Card from American Express can provide you with the funds you need at conditions you can afford. And best of all, business credit cards can earn you extra rewards. Apply online for your card today; then enjoy the financial doors it opens for your business.
American Express credit cards numbering pattern
The numbering pattern with American Express credit cards is slightly different. The second digit in these credit cards is used to identify the company. For example if the credit card is issued in American Express's name it will have the first two digits 34, or 37 and if it carries Diners club logo it will have its first two digits as 36 or 38.
The 3rd and 4rth digits are used to identify whether the credit card is a business or personal type. The digits 5 to 11 represent the account number and digits 12 to 14 shows the card number attached to that account. The last digit is the check digit.
The 3rd and 4rth digits are used to identify whether the credit card is a business or personal type. The digits 5 to 11 represent the account number and digits 12 to 14 shows the card number attached to that account. The last digit is the check digit.
American Express Reward Card: American Express® Airmiles®*Gold Business Card
American Express® Airmiles®*Gold Business Card
Uniquely tailored to meet the needs of small business, this Card not only gives you the purchasing power and customer support of American Express but also provides a fast way to earn AIR MILES reward miles. Add to this the convenience of carrying a balance, all with no annual fee.
-------------Click here to Apply Online--------------
Uniquely tailored to meet the needs of small business, this Card not only gives you the purchasing power and customer support of American Express but also provides a fast way to earn AIR MILES reward miles. Add to this the convenience of carrying a balance, all with no annual fee.
- Earn 1 AIR MILES reward mile for every $20 in purchases. AIR MILES rewards start at just 25 reward miles
- No Annual Fee
- Earn 100 Bonus AIR MILES reward miles the first time you use your Card
- Shop at any of the participating AIR MILES Sponsors at over 9,600 locations across Canada with your Credit Card and show your AIR MILES Collector Card, and you can earn reward miles from both
- Simply by making your payments on time, you will receive a 3.99% interest rate on balance transfers in the first six months of Card membership and 18.5% on purchases and funds advances
- Credit limit of up to $50,0004
- Optional Annual Management Report
-------------Click here to Apply Online--------------
American Express Centurion the most prestigious credit card
American Express Centurion card the most prestigious credit card according to a recent survey by New York-based Luxury Institute.
But to qualify for the Centurion card, which launched in 1999, you must charge at least $250,000 a year. Then there's a $5,000 initiation fee and an annual fee of $2,500. On the plus side, there's no Annual Percentage Rate, since cardholders are generally required to pay off their balance each month.
Although the Centurion's costs are high, the perks are equally impressive. After all, if you're going to spend this much money you'll probably need some help. To wit: Cardholders are each assigned their own personal concierges who will make reservations, plan events or score sold out concert tickets.
But to qualify for the Centurion card, which launched in 1999, you must charge at least $250,000 a year. Then there's a $5,000 initiation fee and an annual fee of $2,500. On the plus side, there's no Annual Percentage Rate, since cardholders are generally required to pay off their balance each month.
Although the Centurion's costs are high, the perks are equally impressive. After all, if you're going to spend this much money you'll probably need some help. To wit: Cardholders are each assigned their own personal concierges who will make reservations, plan events or score sold out concert tickets.
Centurion Credit Card Application Process
For Getting American Express Centurion credit card, the cardholder must wait for invitation its necessary for invitees that must have an American Express Platinum Card for at least one year an required spend minimum of $250,000 during that year and pay their balance at monthly basis.The invitees personal finance must be solid and impeccable and their assets sufficient to repay vast amounts of money.
Read more or apply online for:
American Express credit cards
According to a study by American Express, more than a third of small-business people say their best ideas-the ones that lead to business growth-come not at work but during their downtime. "Having a life outside of work doesn't detract from work success" but enhances it, a study by the Families and Work Institute concluded in 2005.
Platinum Credit Cards from American Express
Hilton HHonors® Platinum Credit Card from American Express* Get up to 20,000 HHonors® bonus points when you get the Card.
* Earn 10,000 bonus points with your very first purchase*
* Earn an additional 10,000 Hilton HHonors bonus points - that's 2,500 Hilton HHonors bonus points for each of your first four stays at any Hilton Family Hotel
* Get 5 Hilton HHonors® bonus points for each eligible dollar spent on stays at over 2,700 Hilton Family hotels worldwide and for eligible purchases at supermarkets, drugstores, gas stations, dining establishments, the U.S. Postal Service, and for wireless phone bills
* Get 3 HHonors bonus points for every eligible dollar you spend on purchases
* No annual fee
Click here to Apply online
Amex provides credit card loans
Amex--issues the cards, provides credit card loans, and processes the transaction. Now, you can invest all the money in the world to build an extensive closed-loop network, but you still won't make a dime if nobody uses your cards. This is where American Express' strong brand and spend-centric business model come into play, as a key factor in the success of any card network is giving each cardholder a reason to use the card. American Express provides cardholders with qualitative and monetary rewards to encourage them to use the card as much as possible, creating what I think is a virtuous cycle for the company. Cardholders desiring to use the Amex credit card as much as possible forces merchants--who want customers to buy as much as possible--to accept the card and pay American Express' higher rates. Finding the perfect one may be hard
There are hundreds and hundreds of searches for credit cards. Finding the perfect one may be hard for some to do. Researching a card and finding the best rate for some is a hassle. Looking for a good credit card and choosing the right one for many is a dreadful task. Searching for a good credit card and knowing what to choose can be confusing if one does not know how to research. Looking for the perfect card can take time. To make a search effortless many sites have been developed to help customers trying locate the perfect card. Many of these site help customers find a credit card company that offers the best deals around. In which these sites are most helpful for applicants searching ways to narrow down their search. By narrowing down the search applicants are able to discover the best cards rated as the top ten best choices of customers searching the net.And be aware, companies offering 5% cash back usually have restrictions. Take the Amex Blue Cash card, the commercial says it gives you 5% cash back at supermarkets, gas stations, and drugstores, but only after you've spent $6,500 at these locations.
Rewards still come in points
Rewards still come in points that can be redeemed for gifts, airline miles for frequent flyer members or plain old cash. Some cards, like the Chase Freedom Card, require the cardholder to choose the type of reward.
Consumer Reports urges people to be aware that card companies offering 5 percent cash back on purchases usually have restrictions. The American Express Blue Cash card, for example, offers 5 percent back only after a cardholder has spent $6,500 at supermarkets, gas stations and other locations. Likewise, the Discover Open Road card gives 5 percent back on gas and car maintenance only for the first $1,200.
Consumer Reports urges people to be aware that card companies offering 5 percent cash back on purchases usually have restrictions. The American Express Blue Cash card, for example, offers 5 percent back only after a cardholder has spent $6,500 at supermarkets, gas stations and other locations. Likewise, the Discover Open Road card gives 5 percent back on gas and car maintenance only for the first $1,200.
American Express understands snob value
American Express understands snob value and invites its high spenders to get one of its Centurion cards, the almost mythical American Express Black Card. It's available only by invitation. And very soon, as reports suggest, it will be made from titanium.
What you need is a credit card that works for you. If you are in debt on your card you need to think about transferring the balance to another credit card, one that offers interest free credit on balance transfers.
What you need is a credit card that works for you. If you are in debt on your card you need to think about transferring the balance to another credit card, one that offers interest free credit on balance transfers.
Platinum and Centurion American Express cards
Small-business owners who hold Platinum Business Credit Card from American Express and Centurion American Express cards can now get free access -- with spouse and kids or two traveling companions -- to American Airlines Admirals Club airport lounges at Logan International Airport and 43 other airports worldwide. Continental Airlines, Delta Air Lines, and Northwest Airlines already offered the perk to top-level AmEx holders. Read more from: http://www.boston.com
Starwood AmEx card: Credit card allows you to collect the most miles
The Starwood AmEx card lets you redeem your miles on any of 30 airlines (including every major U.S. carrier) and earns you the equivalent of 1.25 miles per dollar spent: AmEx gives you one point per dollar, but when you redeem points for miles, Starwood throws in an extra 5,000 points for each 20,000 you redeem.
* Earn 10,000 Starpoints® with your first purchase - enough for up to 3 free nights
* Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
* Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
* Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets
* First year fee-free and only $30 thereafter
Click here to Apply online
Starwood Preferred Guest credit card, with $30 annual fee has the best value among the travel reward cards. Its allow exchange points for air miles in around 30 programs. It is a flexible and cheap for consumers. But the annual fee will be increasing $45 by American Express, the card issuer.
* Earn 10,000 Starpoints® with your first purchase - enough for up to 3 free nights
* Use Starpoints for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
* Transfer Starpoints - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
* Earn one Starpoint for every dollar of eligible spending and double Starpoints at participating Starwood properties and retail outlets
* First year fee-free and only $30 thereafter
Click here to Apply online
Starwood Preferred Guest credit card, with $30 annual fee has the best value among the travel reward cards. Its allow exchange points for air miles in around 30 programs. It is a flexible and cheap for consumers. But the annual fee will be increasing $45 by American Express, the card issuer.
New features at the Open this year include personal hand-held TVs that fans can check out free on-site to catch outer court coverage and instant replays. There's just one hitch: they're only available to American Express cardholders.
Office Depot decided to begin accepting the contactless payment format as a convenience to its customers. An RFID inlay embedded inside a credit or debit card or a key fob is read when a consumer holds the device close to an RFID interrogator embedded in a specialized payment terminal. A chirp or beep indicates the card has been successfully read. Not having to swipe the magnetic strip on payment cards cuts down on overall transaction time, according to research conducted by credit card organizations, including Visa, MasterCard and American Express credit card, and purchases under $25 do not require customer signature.
Office Depot decided to begin accepting the contactless payment format as a convenience to its customers. An RFID inlay embedded inside a credit or debit card or a key fob is read when a consumer holds the device close to an RFID interrogator embedded in a specialized payment terminal. A chirp or beep indicates the card has been successfully read. Not having to swipe the magnetic strip on payment cards cuts down on overall transaction time, according to research conducted by credit card organizations, including Visa, MasterCard and American Express credit card, and purchases under $25 do not require customer signature.
American express announced to launch new Blue Sky credit card
American express announced to launch new Blue Sky credit card. It is easier for cardholders to use their points to fly on the day they want.
American Express Blue Sky credit card offers travelers to use their points for book flights on a number of leading airlines to arrange of popular domestic and international destinations for a set number of points without needing to join a frequent flyer program.
From 1 January 2009, cardholder needs to earn half the number of point to fly to their destination of choice and get a flight on the day when they want without having the points required fluctuating over time. From 1 point for every $1 spent, to 24/7 servicing and domestic and international travel insurance, the American Express Blue Sky credit card provides access to an extensive range of services and benefits.
Supplementary credit card for no additional fee, up to 55 days interest free credit on purchases and purchase protection are the other benefits provided by American Express Blue Sky credit card.
American Express Blue Sky credit card offers travelers to use their points for book flights on a number of leading airlines to arrange of popular domestic and international destinations for a set number of points without needing to join a frequent flyer program.
From 1 January 2009, cardholder needs to earn half the number of point to fly to their destination of choice and get a flight on the day when they want without having the points required fluctuating over time. From 1 point for every $1 spent, to 24/7 servicing and domestic and international travel insurance, the American Express Blue Sky credit card provides access to an extensive range of services and benefits.
Supplementary credit card for no additional fee, up to 55 days interest free credit on purchases and purchase protection are the other benefits provided by American Express Blue Sky credit card.
American Express Black credit card offered to select few among the super rich Cards not for those who need credit, but for those seeking that extra premium service in any walks of life According to industry estimates, there are around only 1,500 of such ultrapremium cards in circulation in India Citibank, American Express and Standard Chartered offer such card in India Deutsche Bank plans to launch a similar card soon.
StarCite and American Express today announced the development of an integrated meetings management system
Meetings technology firm StarCite and American Express today announced the development of an integrated meetings management system that allows American Express commercial card data to be uploaded directly to StarCite's meetings budgeting tool. The companies expect to roll out the first phase of technology to customers in November.
Customers, who must be clients of both companies to access the system, also will be able to have meeting charges broken down into spend categories and have access to unbilled card information in order to catch erroneous charges pre-billing.
StarCite and American Express expect to roll out the system, in development for four months, in additional phases next year, beginning in March.
The system "really takes a lot of disparate processes that meeting planners are trying to do and pulls them together in an online environment," said Shelle Santana, vice president of global corporate card marketing for American Express.
Customers, who must be clients of both companies to access the system, also will be able to have meeting charges broken down into spend categories and have access to unbilled card information in order to catch erroneous charges pre-billing.
StarCite and American Express expect to roll out the system, in development for four months, in additional phases next year, beginning in March.
The system "really takes a lot of disparate processes that meeting planners are trying to do and pulls them together in an online environment," said Shelle Santana, vice president of global corporate card marketing for American Express.
Question about lower rate affect the interest rate the credit card company
Question: Will the lower rate affect the interest rate the credit card company charges me?
The rate cut is a good thing if you're a credit card holder. If you have a variable rate card, you could see your interest rate go down slightly. That could save you hundreds of dollars if you have a very high balance.
But for the vast majority of people, this won't mean substantial savings. This cut will only save about $2 per month on a $5,000 credit card balance.
To find out if you're credit card is adjustable, your best move is to call the issuer and find out. Remember, credit card companies can raise their interest rates at any time, but it can take up to two or three billing cycles before you see any decreased interest rate.
And don't forget you can always negotiate a lower rate. If your credit is good, and you haven't called your issuer to negotiate a better rate in the last six months, call them to try to lower your rate.
The rate cut is a good thing if you're a credit card holder. If you have a variable rate card, you could see your interest rate go down slightly. That could save you hundreds of dollars if you have a very high balance.
But for the vast majority of people, this won't mean substantial savings. This cut will only save about $2 per month on a $5,000 credit card balance.
To find out if you're credit card is adjustable, your best move is to call the issuer and find out. Remember, credit card companies can raise their interest rates at any time, but it can take up to two or three billing cycles before you see any decreased interest rate.
And don't forget you can always negotiate a lower rate. If your credit is good, and you haven't called your issuer to negotiate a better rate in the last six months, call them to try to lower your rate.
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New features of American Express Membership Rewards program
American Express announced two new features for its Membership Rewards program: New flightfinder search capability for air trips and hotelfinder for accommodations that you can book with frequent flyer miles.
The idea is great: As you know, you can transfer AmEx points into more than a dozen airline and hotel programs, but until now, you had to search each program individually to see if you could find a seat or room. And if you've tried that recently, you know what a struggle it can be-especially for scarce frequent flyer seats. So the ability to search all the options for seats or rooms before you transfer is extremely attractive. Bravo to AmEx for a great idea.
The idea is great: As you know, you can transfer AmEx points into more than a dozen airline and hotel programs, but until now, you had to search each program individually to see if you could find a seat or room. And if you've tried that recently, you know what a struggle it can be-especially for scarce frequent flyer seats. So the ability to search all the options for seats or rooms before you transfer is extremely attractive. Bravo to AmEx for a great idea.
American Express launched a co-branded American Express gold card with a local air carrier
American Express Bank Ltd, the third-largest US credit card network, yesterday launched a co-branded American Express gold card with a local air carrier, saying it remained confident about Taiwan's credit card market and would target the upscale segment in particular.
The credit card, issued jointly with EVA Airways Corp (%u9577%u69AE%u822A%u7A7A), the nation's second-largest carrier, was the first of its kind American Express has launched in the last 18 months since standards for card applications became more strict, Tiffany Chen (%u9673%u6DD1%u82AC), public affairs manager at the bank, said in a telephone interview yesterday.
Like its local and foreign rivals, Chen said, American Express would continue issuing new credit cards in Taiwan, as the market has gradually recovered from the unsecured consumer lending problem.
"But we will be more prudent in reviewing applications and will develop new credit payment products appealing to high-income and high-spending customers," Chen said.
In Taiwan, many local banks reported weakened profitability in the past two years owing to a sluggish domestic credit market, forcing them to shift focus to syndication loans, trade finance and cash management to improve bottom lines.
In the first eight months of the year, the credit card revolving balance totaled NT$2.53 trillion (US$77.7 billion), down NT$984 billion, or 28.1 percent, from NT$3.51 trillion for the same period last year, data on the Banking Bureau's Web site showed.
However, the data provided by the bureau, which falls under the Financial Supervisory Commission, showed the total credit payments amounted to NT$944.5 billion, an increase of NT$17.1 billion, or 1.85 percent, from NT$927.5 billion a year earlier.
"The government data showed that despite a drop in the revolving balance, the purchasing power of upscale customers remains strong, as evidenced by the rising credit payment figures," Chen said.
The financial regulator said last week that indicators showed the nation's credit card business was stabilizing.
Based on the commission's latest figures, the number of active credit cards grew by 60,000 cards, or 0.31 percent, to 19.62 million in August from the previous month.
Even so, Chen declined to offer an estimated target for the new co-branded card with EVA Airways, saying that American Express would focus on the average spending per card rather than the number of cards issued.
"The average spending per American Express card(Blue Cash from American Express) is about NT$20,000, which is four times larger than the market average of between NT$5,000 and NT$6,000 per card," Chen said.
American Express had 151,142 credit cards in circulation in Taiwan as of July, with 94,809 cards in active use, Bank Bureau data showed.
Business Gold Reward Card from Amex Latest information
Note: Monday, October 15, 2007 is the last day to get in on the FREE $250 (or FREE Roundtrip Plane Ticket) sign-up bonus for American Express Business Gold Reward Card.
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Many versions of American Express, MasterCard and Visa offer no-cost collision coverage when you use one of their cards for the rental. All of the card agreements I've seen say that the card includes LOU coverage. But card coverage isn't as foolproof as it sounds.
Visa says compensation for each LOU claim is "evaluated on the specific circumstances and merits of the claim. The policy's underwriter will work hard on behalf of the cardholder to reach a fair and equitable settlement such that the LOU amount is considered reasonable and therefore covered by the policy."
American Express and MasterCard, on the other hand, say they do not pay LOU charges unless the rental company provides a vehicle log. Because some rental companies - including Hertz - say they do not and will not share that information with the card issuers, presumably renting with either of those cards risks not being compensated.
American Express credit cards are a really convenient way to make a purchase
Having a visa card is almost indispensable in today's twenty-four hours and age. Why, since I obtained my American Express credit card(Blue Cash from American Express), I have got been able to partake of a broad assortment of commodity and services, and that is no joke.Without that America express credit card(Blue Cash from American Express), I was not able to fall in the local gym, to tell t-shirts off of the Internet, to modesty a airplane ticket online - and that is just a few of the basics.
It seemed like lone a few old age ago that cash was the preferable manner to purchase things, but those years are now long gone now. All across the country and the world, people are using their Visa, Mastercard card, or American Express credit card to make purchases with money that they do not have got for commodity which they may not need.
Although American Express credit cards are a really convenient manner to do a purchase - get it now and concern about it tomorrow - it makes come up at a heavy cost. Credit card debt is mounting everywhere. It is true that credit debt is one of the biggest problems that is facing America today, and it is no riant matter. That is one of the chief grounds why I had to call off my American Express credit card in the first place.
Once I had the powerfulness to purchase points without farewell with my money immediately, I was almost unstoppable disbursement machine. I would charge everything and anything on my American Express credit card, and soon the costs would spiral out of control.
I was dealing with a debt that I could not possibly pay for, and I was literally in a state of panic. I actually had to travel through a debt refinancing service to get my credit card debt into some word word form of a manageable form where I could trust to pay it.
The whole state of affairs was a nightmare. Now, give thanks goodness, I have got gotten my debt paid off and canceled my American Express credit card. A batch of people would believe that it is wrong to fault it on the American Express credit card, but I believe that they make not understand something about human psychology.
When I had to pay with everything in cash, I would cognize just what I had at any given time. But like I said before, the American Express credit card made everything manner too easy. I could pass money like water, and before I knew it, it was all gone.
great opportunity of gathering frequent flyer miles with Gold Delta Skymiles from American Express
The Gold Delta Skymiles from American Express gives you the great opportunity of gathering frequent flyer miles with the Delta Airlines. Though the fees are high, the program offers a good point accrual rate.
Card Rewards
As a credit cardholder, you will obtain 1 mile for spending each dollar on the card. As an added advantage, the Always Double Miles program lets you earn 2 miles for spending a dollar at retail shops and stores such as drug stores, gas stations, Delta Airlines and their affiliates as well as the United States Postal Service.
As a new applicant for the Gold Delta Skymiles from American Express, you can avail of 10000 bonus miles on making your first purchase. You can also gain an extra 2500 on the approval of a second card (when the application is being processed). The rewards expire at the end of 3 years and the best thing you can do take advantage of the award miles is keep your account active for three years, i.e., travel on the Delta Airlines at least once in every three years.
The best benefit of the credit card is the frequent flyer miles. However, it will not be a good choice for you if you require carrying a balance quite often. It will benefit you greatly and be a wonderful choice for you if you already hold a low-fee and low rate credit card from the American Express. In this case, the card enables you to enjoy the lower annual fee and provides you the chance to make purchases that will allow you to carry a balance.
Features And Benefits
The credit card has an annual fee of $85. This annual fee is waived for the first year. Special concession is offered to the already qualified American Express cardholders and they pay an annual fee of $30.
The regular APR of 18.24% is undoubtedly above the average but the credit card compensates this with its huge range of travel and shopping benefits. As a shopper, you will very much cherish the card features and benefits like the Buyers Assurance Plan, online fraud protection, purchase protection plan and the access to select events via the Ticketmaster.
As a traveler, you will be happy to find that the card offers certain additional benefits that the other American Express cards do not offer. All the more, the Gold Delta Skymiles from American Express lets you save on your car rentals, offers travel and accident insurance, a $ 2000 travel bonus for vacations and a $100 travel bonus for cruises, if booked through the American Express Travel Services.
Card Rewards
As a credit cardholder, you will obtain 1 mile for spending each dollar on the card. As an added advantage, the Always Double Miles program lets you earn 2 miles for spending a dollar at retail shops and stores such as drug stores, gas stations, Delta Airlines and their affiliates as well as the United States Postal Service.
As a new applicant for the Gold Delta Skymiles from American Express, you can avail of 10000 bonus miles on making your first purchase. You can also gain an extra 2500 on the approval of a second card (when the application is being processed). The rewards expire at the end of 3 years and the best thing you can do take advantage of the award miles is keep your account active for three years, i.e., travel on the Delta Airlines at least once in every three years.
The best benefit of the credit card is the frequent flyer miles. However, it will not be a good choice for you if you require carrying a balance quite often. It will benefit you greatly and be a wonderful choice for you if you already hold a low-fee and low rate credit card from the American Express. In this case, the card enables you to enjoy the lower annual fee and provides you the chance to make purchases that will allow you to carry a balance.
Features And Benefits
The credit card has an annual fee of $85. This annual fee is waived for the first year. Special concession is offered to the already qualified American Express cardholders and they pay an annual fee of $30.
The regular APR of 18.24% is undoubtedly above the average but the credit card compensates this with its huge range of travel and shopping benefits. As a shopper, you will very much cherish the card features and benefits like the Buyers Assurance Plan, online fraud protection, purchase protection plan and the access to select events via the Ticketmaster.
As a traveler, you will be happy to find that the card offers certain additional benefits that the other American Express cards do not offer. All the more, the Gold Delta Skymiles from American Express lets you save on your car rentals, offers travel and accident insurance, a $ 2000 travel bonus for vacations and a $100 travel bonus for cruises, if booked through the American Express Travel Services.
Clear from American Express
Clear from American Express
* No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
* Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
* Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
* Flexibility to pay over time
* No annual fee and 0% intro APR for up to 12 months.
* World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.
* No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
* Automatic Rewards. You'll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
* Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
* Flexibility to pay over time
* No annual fee and 0% intro APR for up to 12 months.
* World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.
American Express, of New York, said third-quarter profit rose to $1.07 billion
In another sign of spreading credit problems, American Express Co. (AXP) said the provisions it set aside for future losses in its U.S. card business jumped 44% in the third quarter partly due to higher loan volumes, although strong spending by consumers and businesses helped the credit-card giant post a 10% jump in net income.
American Express also attributed the greater loss provisions at the core U.S. card unit - which rose to $638 million from $442 million a year earlier - to " strong growth" in loans outstanding. But some analysts caution that the crunch that started in the home-loan market is starting to seep into cards and other consumer-credit sectors.
"The hefty expected losses in the mortgage sector can't happen in a vacuum," Lehman Brothers analyst Bruce Harting wrote in a note earlier Monday. "It is just a matter of time before problems spill over to other loan sectors in consumer finance, most notably credit cards." The analyst cut his rating on American Express shares to equal weight from overweight, citing potentially slowing consumer spending in the U.S. as well as weakening credit quality.
American Express, of New York, said third-quarter profit rose to $1.07 billion, or 90 cents a share, from $967 million, or 79 cents a share, a year earlier. Revenue net of interest expense grew to $6.95 billion from $6.27 billion. Analysts polled by Thomson Financial expected a profit of 85 cents a share.
The latest results include a $75 million tax benefit related to tax items from the previous year, and an $81 million charge related to the sale of American Express International Deposit Co. In September, the company agreed to sell its international banking unit, American Express Bank, to Standard Chartered PLC ( STAN.LN) for $1.1 billion.
American Express also attributed the greater loss provisions at the core U.S. card unit - which rose to $638 million from $442 million a year earlier - to " strong growth" in loans outstanding. But some analysts caution that the crunch that started in the home-loan market is starting to seep into cards and other consumer-credit sectors.
"The hefty expected losses in the mortgage sector can't happen in a vacuum," Lehman Brothers analyst Bruce Harting wrote in a note earlier Monday. "It is just a matter of time before problems spill over to other loan sectors in consumer finance, most notably credit cards." The analyst cut his rating on American Express shares to equal weight from overweight, citing potentially slowing consumer spending in the U.S. as well as weakening credit quality.
American Express, of New York, said third-quarter profit rose to $1.07 billion, or 90 cents a share, from $967 million, or 79 cents a share, a year earlier. Revenue net of interest expense grew to $6.95 billion from $6.27 billion. Analysts polled by Thomson Financial expected a profit of 85 cents a share.
The latest results include a $75 million tax benefit related to tax items from the previous year, and an $81 million charge related to the sale of American Express International Deposit Co. In September, the company agreed to sell its international banking unit, American Express Bank, to Standard Chartered PLC ( STAN.LN) for $1.1 billion.
Using your American Express AIR MILES credit card for your daily purchases
Simply by using your American Express AIR MILES credit card for your daily purchases, you get the chance to earn your free airline tickets to and from any destination in the world. If you have a dream to someday view Paris from the top of the Eiffel Tower or to revel in sultry Rio de Janeiro, the American Express AIR MILES credit card could help fulfill that wish. American Express is able to offer this kind of product through its tie-up with AIR MILES, hence the name American Express AIR MILES credit card.
If you choose to link your American Express AIR MILES credit card to the regular AIR MILES program card you may already have, you can accumulate additional rewards miles. For instance, when you shop at a grocery store which is a participating sponsor of AIR MILES, you can charge your purchases to your American Express AIR MILES credit card and ask the merchant to also scan your regular AIR MILES loyalty card. In that way, you earn rewards miles twice -- once for the charge in your American Express AIR MILES credit card, and once on your AIR MILES card.
If you choose to link your American Express AIR MILES credit card to the regular AIR MILES program card you may already have, you can accumulate additional rewards miles. For instance, when you shop at a grocery store which is a participating sponsor of AIR MILES, you can charge your purchases to your American Express AIR MILES credit card and ask the merchant to also scan your regular AIR MILES loyalty card. In that way, you earn rewards miles twice -- once for the charge in your American Express AIR MILES credit card, and once on your AIR MILES card.
American Express Blue Cash card is the top credit card for big spenders
I've noted that the American Express Blue Cash card is the top credit card for big spenders, but it seems that American Express as a company has something to brag about as well -- it was named the best company in J.D. Power's first-ever credit card satisfaction study. I was emailed the results by a reader. Here are the highlights:
American Express ranks highest in customer satisfaction among credit card issuers, according to a new nationwide study by J.D. Power and Associates. The study, which was released earlier today, ranked American Express highest in overall satisfaction among the 10 largest card issuers in the U.S.
The J.D. Power study indicates that credit card satisfaction is shaped by many factors (in order of importance):
* A card's Benefits and Features (34%)
* Rewards (25%)
* Billing and Payment Process (21%)
* Fees and Rates (16%)
* Problem Resolution (4%)
American Express ranked highest in Benefits and Features with a factor score of 773, soaring 103 index points above the industry average.
American Express is a leader in the rewards marketplace because it strives to offer the richest rewards, providing depth and breadth of choice, flexibility and innovation. Rewards programs are the primary reason customers select American Express credit cards.
For American Express, the benefits and features of the Cards it provides comes down to...services like travel-related insurance, purchase protection, and fraud detection.
American Express ranks highest in customer satisfaction among credit card issuers, according to a new nationwide study by J.D. Power and Associates. The study, which was released earlier today, ranked American Express highest in overall satisfaction among the 10 largest card issuers in the U.S.
The J.D. Power study indicates that credit card satisfaction is shaped by many factors (in order of importance):
* A card's Benefits and Features (34%)
* Rewards (25%)
* Billing and Payment Process (21%)
* Fees and Rates (16%)
* Problem Resolution (4%)
American Express ranked highest in Benefits and Features with a factor score of 773, soaring 103 index points above the industry average.
American Express is a leader in the rewards marketplace because it strives to offer the richest rewards, providing depth and breadth of choice, flexibility and innovation. Rewards programs are the primary reason customers select American Express credit cards.
For American Express, the benefits and features of the Cards it provides comes down to...services like travel-related insurance, purchase protection, and fraud detection.
Save 5% on JetBlue flights with JetBlue Business Card from American Express
* Receive 50 TrueBlue® points after your first purchase - that's halfway to an Award Flight anywhere JetBlue® flies
* Exclusive benefit: Save 5% on JetBlue flights purchased with the JetBlue Business Card
* TrueBlue points don't expire. Use your Card or fly JetBlue and we extend the life of all your points for a full year
* Earn 1 Award Dollar for virtually every dollar spent
* Earn double Award Dollars on gas, car rentals, office supplies, wireless phone charges, and JetBlue purchases4
* The annual fee is only $40 and Additional Cards are fee-free
Apply online
American Express credit cards offer you several choices
American Express credit cards offer you several choices from personal cards, travel cards, small business, corporations, and merchant credit cards. To decide if it is the right credit card for you, you first have to know what you would be using it for and whether it has an annual fee. Some of the American Express credit cards have an annual fee because it offers more services and protection. This may not be right for you, if you are looking for an inexpensive credit card.
The Blue credit card from American Express is currently a personal card that has no annual fee. They also offer you a pretty great rewards program for travel. They are also offering a 0% interest rate for fifteen months. This all sounds pretty good, but what will happen after the introductory period is over? Sometimes credit cards will then offer an extremely high APR and have extreme late fees. With American Express you are probably looking at the average rate of somewhere around 15.24% after the introductory rate, but this could change over the next few months.
The Blue credit card from American Express is currently a personal card that has no annual fee. They also offer you a pretty great rewards program for travel. They are also offering a 0% interest rate for fifteen months. This all sounds pretty good, but what will happen after the introductory period is over? Sometimes credit cards will then offer an extremely high APR and have extreme late fees. With American Express you are probably looking at the average rate of somewhere around 15.24% after the introductory rate, but this could change over the next few months.
Visitors
Save a lot of money and get the most of your American Express credit card
American Express credit cards offer holiday discounts through cash rebate and reward programs, and American Express cards provide a wide range of promotional discounts at many different stores, restaurants, travel services and more.
Take advantage of these American Express credit card shopping discounts and holiday savings this upcoming season during your travels, shopping and celebrations in order to save a lot of money and get the most of your American Express credit card.
If you don't have an American Express credit card, then you may want to consider applying for one, as American Express cards can save you a lot of money during the upcoming holiday season.
We have divided the holiday savings you can get with your American Express credit card into 2 categories.
First, we'll discuss the ways you can save money through various American Express credit card reward programs, and then we'll present some of the various merchant discounts that are available to all American Express members.
Take advantage of these American Express credit card shopping discounts and holiday savings this upcoming season during your travels, shopping and celebrations in order to save a lot of money and get the most of your American Express credit card.
If you don't have an American Express credit card, then you may want to consider applying for one, as American Express cards can save you a lot of money during the upcoming holiday season.
We have divided the holiday savings you can get with your American Express credit card into 2 categories.
First, we'll discuss the ways you can save money through various American Express credit card reward programs, and then we'll present some of the various merchant discounts that are available to all American Express members.
The accord resolves American Express%u2019s claims against banks
American Express, the third-largest credit-card network, filed the suit after the US Supreme Court ruled Visa and MasterCard violated antitrust laws by preventing member banks from offering rival cards. The accord resolves American Express's claims against banks including Wells Fargo & Co, Washington Mutual Inc, JPMorgan Chase & Co and Capital One Financial Corp.
Visa said the payments have a net present value of $1.8 billion, while New York-based American Express said the agreement was worth $2.25 billion.
Visa said the payments have a net present value of $1.8 billion, while New York-based American Express said the agreement was worth $2.25 billion.
American Express reward shopping has become popular
American Express reward shopping has become popular in some quarters. What better combination to aspire to than the brand of American Express and the promise of free rewards for using their facilities! And American Express welcomes those that wish to spend using their card, and does so with handsome cashback and gift rewards.
This follows (or joins) a lengthy trend among credit card companies. Spend using their facilities and they will offer you a sweetener in the form of a cashback reward or further discount. American Express reward shopping has offered financial cashback and, traditionally and enticingly, air miles. Indeed, many people around the world have utilised the Air Mile program like some sort of elite badge of honour - as if they were part of an exclusive club.
Even American express reward shopping comes at a price - whether it be interest charges on the credit cards (for delayed or late payment) or the inflated buying patterns - perhaps cashback and reward-driven - of those using plastic instead of "hard cash".
Whatever the profile of the customer, companies know the appeal of cashback incentives and reward shopping and are only too quick to welcome us the world of membership rewards!
This follows (or joins) a lengthy trend among credit card companies. Spend using their facilities and they will offer you a sweetener in the form of a cashback reward or further discount. American Express reward shopping has offered financial cashback and, traditionally and enticingly, air miles. Indeed, many people around the world have utilised the Air Mile program like some sort of elite badge of honour - as if they were part of an exclusive club.
Even American express reward shopping comes at a price - whether it be interest charges on the credit cards (for delayed or late payment) or the inflated buying patterns - perhaps cashback and reward-driven - of those using plastic instead of "hard cash".
Whatever the profile of the customer, companies know the appeal of cashback incentives and reward shopping and are only too quick to welcome us the world of membership rewards!
Gold Delta SkyMiles® Credit Card
Gold Delta SkyMiles® Credit Card
* 15,000 bonus miles after first purchase
* 2,500 bonus miles for adding an Additional Cardmember with their application
* Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
* Earn one SkyMile for virtually every dollar you spend
* First Year Fee-Free, $85 thereafter
Apply Online
* 15,000 bonus miles after first purchase
* 2,500 bonus miles for adding an Additional Cardmember with their application
* Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
* Earn one SkyMile for virtually every dollar you spend
* First Year Fee-Free, $85 thereafter
Apply Online
American Express has pleaded guilty to 5 charges of breaching the Fair Trading Ac
In the Auckland District Court today, American Express has pleaded guilty to 5 charges of breaching the Fair Trading Act. The company was fined a total of $250,000 and agreed to pay $1.3 million in compensation to affected customers. American Express will also pay $80,000 in costs to the Commission.
American Express card members who are eligible for compensation will be contacted by American Express.
Background
The fees. The 'exchange rate' used to convert foreign currency transactions into New Zealand dollars included a fee payable to Amex of 2%.
How compensation is paid. Under the settlement reached today Amex will be responsible for contacting affected cardholders, including those who are no longer customers. The $1.3 million will be placed in an account, to be monitored by an independent auditor. Once all affected customers who can be contacted have been compensated, any money remaining will be donated to a consumer-focused charity of the Commission's choice.
Enforcement action to date: The Commission has previously taken action against ANZ National Bank, BNZ, Westpac, Kiwibank, ASB, TSB, The Warehouse Financial Services and Diners Club for inadequate disclosure of currency conversion fees. As a result of the Commission's actions including Amex, a total of $24,883,051 in compensation has been paid to consumers, $377,600 has been paid in fines, and $550,000 has been paid to the Commission in costs.
American Express card members who are eligible for compensation will be contacted by American Express.
Background
The fees. The 'exchange rate' used to convert foreign currency transactions into New Zealand dollars included a fee payable to Amex of 2%.
How compensation is paid. Under the settlement reached today Amex will be responsible for contacting affected cardholders, including those who are no longer customers. The $1.3 million will be placed in an account, to be monitored by an independent auditor. Once all affected customers who can be contacted have been compensated, any money remaining will be donated to a consumer-focused charity of the Commission's choice.
Enforcement action to date: The Commission has previously taken action against ANZ National Bank, BNZ, Westpac, Kiwibank, ASB, TSB, The Warehouse Financial Services and Diners Club for inadequate disclosure of currency conversion fees. As a result of the Commission's actions including Amex, a total of $24,883,051 in compensation has been paid to consumers, $377,600 has been paid in fines, and $550,000 has been paid to the Commission in costs.
American credit card technology
American credit card technology is pretty far behind the times, it seems. Everyone's card here has some special chip in it, and they don't have to sign for anything. (This confused the clerk at King's Cross when we were buying snacks today, because Brock's primitive American card doesn't have a chip.) Also, when you pay with your card at a restaurant, they bring a little card reader right to your table, and you can punch in the tip yourself. They don't have to take your card anywhere.
American Express® Airmiles®*Gold Business Card: fast way to earn AIR MILES reward miles with No Annual fee
American Express® Airmiles®*Gold Business Card
Uniquely tailored to meet the needs of small business, this Card not only gives you the purchasing power and customer support of American Express but also provides a fast way to earn AIR MILES reward miles. Add to this the convenience of carrying a balance, all with no annual fee.
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* Earn 1 AIR MILES reward mile for every $20 in purchases. AIR MILES rewards start at just 25 reward miles
* No Annual Fee
* Earn 100 Bonus AIR MILES reward miles the first time you use your Card
* Shop at any of the participating AIR MILES Sponsors at over 9,600 locations across Canada with your Credit Card and show your AIR MILES Collector Card, and you can earn reward miles from both
* Simply by making your payments on time, you will receive a 3.99% interest rate on balance transfers in the first six months of Card membership and 18.5% on purchases and funds advances
* Credit limit of up to $50,000
* Optional Annual Management Report
Uniquely tailored to meet the needs of small business, this Card not only gives you the purchasing power and customer support of American Express but also provides a fast way to earn AIR MILES reward miles. Add to this the convenience of carrying a balance, all with no annual fee.
********************************
*********************************
* Earn 1 AIR MILES reward mile for every $20 in purchases. AIR MILES rewards start at just 25 reward miles
* No Annual Fee
* Earn 100 Bonus AIR MILES reward miles the first time you use your Card
* Shop at any of the participating AIR MILES Sponsors at over 9,600 locations across Canada with your Credit Card and show your AIR MILES Collector Card, and you can earn reward miles from both
* Simply by making your payments on time, you will receive a 3.99% interest rate on balance transfers in the first six months of Card membership and 18.5% on purchases and funds advances
* Credit limit of up to $50,000
* Optional Annual Management Report