The difference between them is that American Express Card has some functions other than ordinary credit cards, such as spending in US dollars on international routes, using abroad (including Hong Kong, Macao and Taiwan), using abroad, and paying in RMB after US dollars are settled.

American Express Kaka provides VISA, MASTERCARD, JCB or American Express logo, which can be used overseas (including Hong Kong, Macao and Taiwan). Credit cards spent abroad are all settled in US dollars. If the consumption amount is not USD, the exchange rate of two currencies is generated, that is, 65438+ 0.5% of the transaction amount (2% for American Express). If the consumption amount is USD, no settlement fee will be charged.

If you need to repay consumption abroad in RMB, you can open the function of purchasing foreign exchange for repayment. If it is completed, if the automatic deduction function is also set, the system will automatically deduct the corresponding amount from the associated card by default at the selling price of USD cash announced by Guangfa Bank on the last repayment date. After payment, you can also pay in RMB and USD, and the payment will be settled according to the USD cash selling price announced by Guangfa Bank.