1. American express VIP cards (such as black cards) have advantages over other cards when spending money at travel merchants. For example, you can get direct compensation for flight delays, baggage delays, etc. Ordinary Amex members need to pay extra. Currently, there are only two free cards available, one is the Amex Black Card (which most people don’t have), and the other is the Platinum Card, which also has an annual fee of $300. In fact, it is equivalent to purchasing an airport lounge membership in disguise.
2. There is also an AE card in the United States that offers super high cash back when you spend in supermarkets. As far as I know, there is an AE card that offers 6% cash back (blue cash preferred) when you spend in the United States. You can buy giftcard in supermarkets. , so you can get 6% cashback at many merchants, while ordinary visa master cards only have 1%~2% cashback. ”
3. More flexibility: At any time, if you want to buy something beyond the quota, you only need to make a phone call. I said that I once renovated a house and bought a lot of materials that month, and finally asked someone to come and replace it. The garage door, floor replacement, kitchen decoration, etc. were all over budget, so I called him and told him that I needed to spend more money to renovate the house this month. The answer was, OK, no problem. As a result, I overpaid by more than 20,000 yuan. US dollars, the credit card is still not full, but every time I make a big order, the person who trusts the card immediately calls me to confirm whether I want to pay. They just want to prevent others from using it. Other credit cards don't have this service, so they just refuse it. Payment.
4. Goods purchased with AE cards have additional insurance services, which are free of charge; other credit cards do not have them at all.
For example, if you buy a computer or laptop, you will have to pay for it. If you buy it in a regular store, the replacement guarantee usually does not exceed one month, or even only 15 days. What we are talking about here is unconditional replacement (it doesn’t necessarily mean there is a quality problem, you can just exchange it if you don’t like it). The warranty for this type of product is only half a year to one year. Unless you spend money to buy a longer warranty period, if you use an AE card to buy laptops, computers, etc., you have a two-year warranty. I'm afraid that every computer has almost fallen behind. At that time, if your hard drive broke, you could happily run to the store to get a new one or a new hard drive. I once replaced a TV, which was a fluorescent screen monitor TV. A year and a half later, it suddenly stopped working, so I sent it back to get a new one. The store didn't have that model anymore, but they brought me a color TV of the same brand but with a larger screen.
5. The service of American Express is the best! This is unmatched by any other credit card company. Let me use a practical example: if you pay for a certain service, such as cable TV service, Internet service. If you are not satisfied, you can call AE (I think AE is very simple and easy to use, it is the abbreviation of American Express, use this instead, everyone knows it anyway), they will not hesitate to refuse these service companies from you. Withdraw money from your account. I once subscribed to a company's service, which was free for the first month, but I almost didn't use it after I subscribed. I completely forgot to cancel the service after a month, and the company started charging me every month. I just noticed that I called AE and told them that I had not used this service at all in the past six months, and they still charged me without saying anything. On the next month's bill, not only will the company not be able to withdraw money from the account, but it will also charge every month for half a year. All the fees are recovered. This is something that other credit cards cannot do. AE has a merchant blacklist for each customer. It is impossible to withdraw money from the customer's account from that service. The company was blacklisted in my AE account.
6. Disadvantage: American Express issues its own cards and deals with its customers and merchants. Merchants pay more to American Express, so support is smaller than the other two. There are very few merchants that only support Visa but not MasterCard, and vice versa; but merchants that do not support American Express are everywhere in Europe.