American Express has a reputation of exclusivity and prestige, but in reality they offer charge card and credit card options for people of all wealth brackets, from those with a moderate income to the super-rich. Here are five tips to help you choose the right American Express Card for you:
1. Know your credit needs and habits. American Express offers both charge cards, which must be paid off monthly, and credit cards, which can be paid off over time. There are many levels of service and fees. Options range from the Blue, which offers no annual fee and online purchase protection, to the Platinum card, which charges a hefty annual fee but includes a wealth of perks such as a travel service and concierge service. Consider your spending habits, payment habits and income before deciding which card to apply for.
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