American Express

American Express: cards, banking, and financial services

American Express is a financial services company that offers credit and charge cards, savings products, rewards programs, and travel services, as well as solutions for businesses and merchants. Its offerings are organized into several areas: personal and corporate cards, personal and business banking, travel, rewards and benefits, and merchant services.

Credit and charge cards

The card lineup includes personal and business options. Personal cards include the Platinum Card®, travel cards, cash back cards, and no annual fee cards. On the business side, it offers the Business Platinum Card®, travel cards, no annual fee cards, and flexible payment cards. It also offers corporate cards, such as the Corporate Green Card, Corporate Gold Card, Corporate Platinum Card, and Corporate Purchasing Card, within corporate programs.

Personal and business banking

In personal banking, it offers savings products, such as the High Yield Savings Account (HYSA) and Certificates of Deposit (CD), as well as personal checking and personal loans. For businesses, it offers business checking, business savings, business financing, and a business line of credit.

Travel

The travel area allows booking flights, accommodations, and cruises. It includes programs such as Fine Hotels + Resorts®, The Hotel Collection, Select Homes + Retreats™, Platinum Member Airfares™, and the Cruise Privileges Program. It also offers travel management services, airport lounge access by card, travelers cheque redemption, and a travel help center. Travel protections include travel insurance, car rental insurance, and flight protection.

Rewards and benefits

The Membership Rewards® program allows accumulating and redeeming points, with tools such as the rewards summary, the points value calculator, cover card charges, and pay with points. Points can be redeemed for gift cards. The company also offers cash back, benefits and offers, and a refer a friend program. It also offers Amex gift cards and allows using points with Apple Pay.

Services for businesses and merchants

For businesses, American Express offers financial and corporate travel services, solutions for mid-sized companies and large global enterprises, and payment products such as automated payments and vPayment. For merchants, it provides services that allow accepting the card and merchant payment solutions.

Financial education and customer service

The company maintains educational resources such as Credit Intel – Financial Education Center, Amex Business Intel™ – B2B Education Center, Credit Score 101, and SpendSmart®. It also offers tools such as FICO® Score and Insights and CreditSecure®, and a frequently asked questions section. Customer service is provided through the website and published phone numbers.