Are American Express Credit Cards Worth It?

American Express is one of the top credit card issuers in the United States. The company may not have the same recognition abroad, but it is one of the most popular providers domestically. Amex cards are known for offering excellent rewards, low fees, ample benefits, and fantastic customer service. Newcomers to the U.S. who are looking for their first credit card can do a lot worse than picking American Express.

American Express Credit Cards

American Express has many cards that are among the best U.S. credit cards for immigrants, especially those who already have some established credit history from their home country. Newcomers to the U.S. may want to check out a list that goes into detail about some of the best Amex credit cards for people in their situation. 

Even if you do not have a credit score in the U.S., it is possible to leverage your credit history from your home country to obtain an Amex card, particularly by working with companies like Nova Credit that specialize in helping newcomers to the U.S. with obtaining credit. But is it worth going through all that trouble for an Amex card? Below are some reasons why Amex cards are considered among the best on the market.

Superior Customer Service

American Express is famous for having outstanding customer service. They are one of the few credit card companies that bend over backward for their customers. 

When you have any problem with your Amex card such as a lost card or a fraudulent charge, you can be sure the company will do everything in their power to resolve the matter swiftly and in your favor. Such customer service gives you peace of mind knowing that you are doing business with a company that you can trust. 

Appealing Rewards

Amex cards offer some of the best benefits on the market, depending on your use case. It is essential to find an American Express card that corresponds to the way you wish to earn and redeem rewards. Some cards have a flat cash back rate, while others offer airline or hotel-specific benefits.

The American Express Membership Rewards Points, which are available through several of their credit cards, are incredibly versatile. It is effortless to redeem these points for statement credits, purchases, hotel bookings, airline bookings, and through a variety of other means. It is also possible to transfer points to frequent flyer programs.

Purchase Protection

American Express goes the extra mile when it comes to providing its customers with purchase protection. If your Amex card offers return protection, you can give back items within 90 days of purchase and get a full refund, even if the merchant is not willing to process the return.

Travel Rewards

If you are a frequent flyer for work or pleasure, you can gain a lot from having an American Express card that has hotel or airline-centric benefits. These cards offer free checked baggage, lounge access, statement credits on in-flight charges, ticket discounts, superior cash back on travel-related purchases, free hotel nights, hotel discounts, and much more. 

Top Amex Cards

American Express offers a variety of credit cards for various use cases. The Blue Cash Preferred Card is an excellent option for families, as it offers added cash back perks on spending at U.S. supermarkets and gas stations.

The Gold Card is perfect for travelers, as it offers many flying and hotel perks, while it also comes with a generous welcome offer. Those who want the best of the best may wish to apply for The Platinum Card from American Express, as it has some of the most generous perks and rewards the company offers on any credit card.

When to Avoid Amex Cards

No credit card is perfect for everyone, and the same is true for American Express as a credit card company. One of the biggest issues surrounding Amex is the lack of penetration around the world. If you are the type of person who spends a lot of time traveling abroad, you may find your Amex card has a low merchant acceptance rate outside the U.S.

Many American Express credit cards require significant spending to trigger the best rewards and benefits. If you are not a huge spender, then such cards may not be worthwhile for you.

American Express credit cards are incredibly appealing to those who live in the U.S., as they offer competitive rewards and come with excellent customer service. Any newcomer to the country who is seeking a reliable, beneficial credit card should look at the Amex offerings.

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