Chip Lupo, Credit Card Writer
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Amex cards are special because they offer lots of rewards and other perks, and they’re reserved for people with high credit scores. In addition, American Express is one of only two major card networks to issue its own credit cards, and it’s a rare credit card issuer that offers charge cards.
Things That Make Amex Cards Special
- Amex issues its own cards. American Express is one of only two credit card networks, alongside Discover, to issue its own credit cards. Amex allows other banks and credit unions to issue cards on the Amex network as well.
- The cards often have rewards. American Express is known for having a large selection of rewards cards, from travel to cash back to cards that are co-branded with merchants. Certain Amex cards have some of the biggest bonuses on the market, too.
- They’re targeted toward people with high credit scores. If you want to qualify for an American Express credit card, you will likely need to have good or excellent credit. You can check your credit score for free on WalletHub.
- Amex offers charge cards. Unlike most credit card companies, Amex offers charge cards, which require you to pay your balance in full each month. Amex does allow cardholders to carry select balances between months on these cards, though.
Amex has a few features that really set its credit cards apart from those on the other major networks. However, there are plenty of good cards on every network, so you’re probably better off comparing the best credit cards overall.
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