American Express Credit Cards

by John_S on December 16, 2011

American Express offers a variety of financial services to its individual, small business, and corporate clients. AMEX features a number of credit cards, among which reward credit cards, business credit cards, no annual fee credit cards, and more. Credit cards offered by AMEX Canada go with plenty of beneficial features, including flexible rewards, welcome bonus points, travel insurance benefits, dining and entertainment benefits, and a lot more.

American Express No Annual Fee Credit Cards

Clients of AMEX Canada who are looking for no annual fee credit cards can choose from a variety of cards with no annual fee. Among them are Blue Sky Credit Card, Holt Renfrew Card from American Express, and TrueEarning Card from Costco and American Express.

American Express Business Credit Cards

AMEX features a variety of credit cards intended for business owners. The Starwood Preferred Guest Business Credit Card is one such card, going with a 19.99 percent interest rate on funds advances and purchases. The annual fee is $150, with the option of being tax deductible. This card earns one point for every $1 spent in purchases, and a welcome bonus of 20,000 points is offered. These points are enough for up to five free nights. The card is also offered with preferred ticket access, car rental theft and damage insurance, baggage delay insurance, lost or stolen baggage insurance, and a lot more. Another business credit card to check is the American Express AIR MILES Platinum Business Card, going with a $99 annual fee, which can be tax deductible. The interest rate on funds advances and purchases is 19.99 percent. This business credit card goes with plenty of beneficial features, among which disability plan for small business, travel accident insurance, and hotel/ motel burglary insurance. Clients of AMEX who choose this card get 250 reward miles in the form of a welcome bonus on reaching $1,000 purchases during the first three months. For every $10 in purchases spent at AIR MILES, clients earn one reward mile and every $15 spent everywhere else earns 1 reward mile.

Another of the American Express credit cards for business is the American Express AIR MILES Gold Business Card, offered with no annual fee and free supplementary employee cards. The interest rate is set at 19.99 percent. For every $15 spent in purchases, cardholders earn 1 bonus point when shopping at AIR MILES Sponsors. All other purchases earn one bonus point for every $20. Points can be redeemed for kitchen fun, entertainment, electronics and more. Spending $1,000 on the card during the first three months earns a bonus of 150 rewards miles. This card is offered with disability plan for small business, travel accident insurance, and preferred ticket access. Additional features include online account access, 24-hour card replacement, and online fraud guarantee, among others. Finally, another business credit card offered by Amex Canada is the American Express Business Card. This card is a good choice for persons who prefer to get cash rebates. Cardholders can earn cash back up to $1,250 a year and can use their credit card for all business-related purchases, including entertainment, office supplies, business travel, and more. Cash back up to 2 percent is offered. There is no annual fee, and employee cards are issued at no added cost. The interest rate is 19.99 percent. This credit card is offered with included benefits such as travel accident insurance, preferred ticket access, 24-hour card replacement, and others. Clients of American Express can also choose from two charge business cards, the American Express Business Gold Rewards Card and the Business Platinum Card from American Express.  Both cards are offered with reward points. The Business Gold Rewards Card earns 1.25 points for every dollar in purchases and the Business Platinum Card earns 1 point for every dollar charged to the card.

American Express Cashback Credit Cards

One of the American Express credit cards with cashback is the TrueEarnings Card from Costco and American Express. This credit card goes with no annual fee and one free supplementary card is issued to current members. A special rate of 2.99 percent on purchases applies over the first 6 months, and the standard rate is 19.75 percent. The grace period is 21 days. Cardholders earn up to 1 percent on daily purchases and up to 2 percent when charging gas purchases to the credit card. Eligible restaurant purchases earn 3 percent cashback. Rebates are issued each January, and these are offered in the form of coupons. Coupons may be redeemed for services, goods, or cash at any Costco warehouse and are valid for 6 months. Plenty of benefits are offered with this card, including travel network coverage, purchase protection plan, emergency card replacement, and more. Thanks to travel network coverage, cardholders are entitled to assistance when travelling. American Express offers travel assistance at more than 2,200 travel service locations. There are even more perks going with this card, such as 24/7 customer service, Front of The Line, and purchase protection plan through which all eligible purchases are insured against theft and accidental physical damage.

American Express Reward Credit Cards

Clients of American Express Canada who prefer to get reward points have a number of credit cards to choose from. One is the American Express AIR MILES Credit Card, featured with an introductory interest rate of 2.99 percent during the first 12 months, a standard interest rate of 19.99 percent, and no annual fee. Supplementary cards are offered free-of-charge. Cardholders are entitled to a welcome bonus of 150 reward points and earn one bonus point for every $20 in purchases. Shopping at AIR MILES Sponsors earns 1 mile for every $15 charged to the card. Bonus miles can be redeemed toward a variety of rewards including entertainment, leisure, travel, and plenty of other benefits. Cardholders can redeem points by phone through the AIR MILES Customer Care Centre or online. Beneficial features going with the card include emergency card replacement, travel accident insurance, reserved seating, and more. To apply for this card, clients of AMEX should have a personal annual income of at least $15,000, have a Canadian residency and credit file, be of the age of majority, and have made payments on time. Applicants should not have declared bankruptcy over the past seven years.

Another of the American Express credit cards with rewards is the Blue Sky Credit Card, featured with free supplementary credit cards, no annual fee, and a 19.99 percent interest rate. Cardholders receive 1.25 bonus points for every $1 charged to the card. Clients who make $3,000 in purchases during the first six months earn 10,000 bonus points. There are no travel restrictions, seat restrictions, advance purchase requirements, or blackout dates. Moreover, there are no point expiration days or point caps.  Points can be redeemed toward car rentals, hotels, flights, vacation packages, and more. Cardholders can choose to redeem all or a portion of their travel purchases. They have access to last-minute deals and seat sales as well.  This card is featured with included benefits such as travel accident insurance, 24/7 customer service, reserved seating, and more. To apply for this card, clients of AMEX should have a Canadian credit file, be Canadian residents, and show a personal income of at least $15,000.

The Holt Renfrew Card from American Express is another reward credit card with no annual fee, free supplementary cards, and a 19.99 percent interest rate. Every dollar charged to the card earns 1.4 bonus points. Making purchases at Holt Renfrew earns 40 percent more.  Cardholders get 10 percent off with the first purchase on the card, made at Holt Renfrew. Points can be redeemed for a selection of desirable goods, including exclusive fragrances, beauty products, accessories, designer clothes, and more. It is easy to redeem points by phone. Added beneficial features include purchase protection plan, free shipping for purchases worth more than $100, Shop in-VIP style, and more.  Shop in-VIP style gives cardholders access to their own Holt Renfrew Personal Shopper, and they can get assistance and expert advice whenever needed. Those who want to buy a new outfit for a gallery opening or cocktail party, or need a second opinion on whether a pair of shoes goes with a particular bag can turn to experts for help. Holt Renfrew sends preferred mailings to cardholders, and they can browse through details on product lines, trends, and latest fashions. They are also sent invitations to Holt Renfrew Events, such as in-store appearances by celebrities and designers, product launches, and more. There are even more perks going with this card, such as complimentary basic alterations for clothes that do not fit properly. Cardholders are eligible for free-of-charge cuff and hem alterations on all in-store purchases.

The American Express AIR MILES Platinum Credit Card is another of the American Express credit cards with rewards, earning one bonus mile for every $10 charged to the card. A welcome bonus of 500 reward miles is offered with the first purchase. The annual fee is zero the first year and $65 thereafter. An introductory interest rate of 2.99 percent applies during the first 12 months, and the standard rate is 19.99 percent. The card goes with beneficial features such as travel accident insurance, car rental theft and damage insurance, American Express assured reservations, and more. The card is also offered with reserved seating, with tickets for events to be purchased by phone, online, and from the event’s box office. Front of The Line allows cardholders to buy tickets for special events, theatre shows, and sought-after concerts before tickets are offered to the general public. Likely applicants for this card have an annual income of $15,000 or more and are Canadian residents who have not declared bankruptcy over the last seven years. They are of the age of majority and have made timely payments.

The Starwood Preferred Guest Credit Card is another option for persons who look for a reward credit card. It is offered with an interest rate of 19.99 percent, and the annual fee is $120. Supplementary cards cost $50 a year. Cardholders receive a bonus of 20,000 reward points, and every dollar earns one Starpoint. Reward points can be redeemed for free nights, and cardholders can choose from more than 100 resorts and hotels around the world. The card is featured with baggage delay insurance, car rental theft and damage insurance, travel emergency assistance, and more.

The American Express AeroplanPlus Platinum Card is a reward card that earns Aeroplan Miles. Every $1 in purchases earns up to 1.5 bonus miles, and the welcome bonus is equal to 25,000 bonus miles. The annual fee is $499 while supplementary AeroplanPlus Gold cards cost $50, and AeroplanPlus Platinum Cards cost $199 a year. The interest rate is 0 percent when the balance is paid in full but goes up to 30 percent applicable to delinquent charges. The American Express AeroplanPlus Gold Card is another card offered with rewards, and every dollar spent on the card earns 1 Aeroplan Mile. The welcome bonus is equal to 2,500 bonus points. The same interest rate applies as the one offered with the Platinum Card. Travel emergency assistance, purchase protection plan, emergency card replacement, and more are offered. The American Express AeroplanPlus Card is a third option, earning one Aeroplan Mile for every $1 charged to the card. The annual fee is $60, and supplementary cards cost $20 a year. These three rewards cards are charge cards. In addition to them, AMEX Canada offers three other charge cards, including the Platinum Card, the American Express Gold Rewards Card, and the American Express Card.

Holders of American Express credit cards can manage their accounts online, using services and tools that help them bank anywhere, stay organized, and get assistance 24/7. With the help of online tools, cardholders can schedule payments, view recent transactions, and set up text message and email payment reminders. Cardholders can also access their card accounts remotely, from a desktop computer or a laptop, using AMEX’s suite of resources and user-friendly tools. Finally, clients of AMEX Canada who have any questions may turn to their customer support 24/7.

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