Guangfa Express Card is a kind of Guangfa Owner Card, and there is no difference between them. Guangfa Owner's Card includes Guangfa Easy Car Co-branded Card, Guangfa Owner's Credit Card, Guangfa Yuetong Card and Guangfa American Express Card.

Guangfa Express Co-branded Card is a co-branded credit card issued to the majority of car owners and customers. With the function of highway toll payment, it is a special IC card for real-name registration system to register and pay highway toll.

At present, the American Express Card of Guangfa Bank has two levels: ordinary card and gold card, with only the main card and no secondary card. The annual fees of different credit cards are different.