American Express has long been one of the most prestigious and well known names in credit, particularly in North America. Since the company opened in 1850, with a focus as an express mailing company, it has had an affiliation with some of the biggest names in the financial world. Founders included Henry Wells and William Fargo, now best known for Wells Fargo & Co, one of the largest financial corporations in America.

This association with large financial corporations has given them the ability to offer amazing benefits with the American Express credit card selections. Cardholders can choose from several different credit card types that offer a range of options to enhance their financial status. Benefits range from member rewards points to cash rewards and other perks for card usage.

Member rewards are available on many of the various credit cards offered by American Express. Those whose cards are eligible and enrolled in the program will receive points for every qualifying purchase, which can then be exchanged for products and services listed in the Rewards Catalog. Cardholders can choose from travel products, spa services, luxury gifts, and more, depending on the number of points they have available on their card. Points are calculated by the amount charged to the card, with bonus points available to those who shop at affiliated retailers.

Those who use their American Express credit card to book flights and other travel necessities can earn airline miles that can be used on partner airline Delta airlines or Jet Blue airlines, depending on the card selected. These rewards are calculated by the number of miles flown, with additional points given for booking hotel stays and rental cars through companies affiliated with the program. These miles can be used to book future flights, hotel stays, and more, giving cardholders a range of options for redeeming airline miles rewards.

Certain cards have better deals on interest rates and card related fees. Many offer reduced interest rates for those applicants who have exceptional credit. Apply for American Express cards with these advantages if your credit score is immaculate, to save money on balances carried on your card. Other cards offer no annual fee for the first year of membership, saving those cardholders money on their initial bills. These are a good choice for those who wish to keep a close eye on their finances or who plan on carrying a larger balance on their card for an extended period of time.

Cash back rewards are very popular with today’s credit card holders and American Express has developed card choices for those who want to earn money for their card use. Depending on where purchases are made with the card and which card type is being used, customers can earn up to 5% of their purchases in cash back rewards. Those who use their cards often find this to be a great benefit, providing them with an instant savings on everything they purchase.

One of the best benefits an American Express credit card can offer its cardholders is the flexible payment options that they can choose from. Some cards allow users to carry a balance with no interest, if paid within a certain period of time, while others offer perks for cardholders who pay their balance in full each month. This allows those who apply or credit cards the option of choosing which plan will be best for their own financial status.

These are just a handful of the many benefits that those who wish to carry an American Express card can choose from. By exploring the various options available, cardholders can personalize their experience and apply for a credit card that is right for their own financial needs.