American Express offers a selection of credit cards to global consumers, one of the more known of which is the American Express Platinum Card.
About American Express (AMEX) Platinum Card
The American Express Platinum Card is a credit card aimed at those that like to travel or that need to for business. As at the beginning of 2010, the privileges that come with the American Express Platinum Card include privileged access in airports and travel concierge services, points earned that can be redeemed for merchandise or travel and extended warranties on the things you buy with the card. Many business travelers can apparently enjoy the specific benefits offered with this card because of the Premium Travel Access programs.
The AMEX Platinum Card allegedly has no pre-set spending limit, but the card does require a base annual fee. You apparently pay no APR or interest charges because you pay your balance in full each month, which is meant to give you more control over your spending. If you don’t pay the balance in full and on time each month, you accumulate a late charge and interest charges. This is a credit card to be usually considered for those on expense accounts that will pay the travel expenses with a monthly expense check and earn bonus points to use on other things. Often corporations use this prestigious credit card, yet recently there has been much competition by such banking players as HSBC.
The Benefits of American Express Platinum Card
The American Express Platinum Card offers advantages for travelers like Airport Club Access around the world, Platinum Card Concierge personalized service and a collection of premium rewards points that can be spent on airline travel, cruise discounts, dining experiences and merchandise.
The Membership Rewards First Program currently allows you to earn one point for every dollar you spend on the card and you can earn bonus points when you shop online with select retailers. You can spend them on fashion, accessories and technology from shopAmex.com or use them for airline miles and travel discounts.
The Privilege of Personal Assistance program gives you personalized service to help you with purchases, whether it is merchandise or reservations. The Premium Travel Assistance program gives you personalized service from expert travel consultants and grants you access to a network of more than 2200 travel assistance centers, worldwide.
AMEX Platinum Card and Your Entertainment Schedule
The Event Ticket Protection Plan will cover reimbursements if you have to change travel or entertainment plans. The Premium Purchase Protection and Professional Shopping Assistance programs will allegedly protect you from fraud, reimburse you for purchases the retailer won’t take back or refund and will replace items you purchase that break or need repaired. You can apparently extend the length of the warranty on your purchases in the United States that have warranties of 5 years or less.
AMEX Platinum Credit Card Points Mean Prizes
Redemption of your Rewards points can apparently be used to purchase merchandise or travel and you have no black-out dates, when you use your points. For those that travel, the advantages of the American Express Platinum Card is more evident than for those that don’t do much traveling. When you are considering credit cards, this is one that offers some benefits for businesses and consumers, but mainly for those that do a lot of traveling.
The online Account Management allows you to pay your bill automatically, view statements, check and redeem your rewards points and set up payments for future dates. You have 24/7 customer representatives that can help you, should you have any problems arise or need to report your card lost or stolen. The American Express Platinum Card remains one of the more popular credit cards around the world, yet as always one should carefully consider professional debt advice before taking on such a credit card.