American Express Gold

Pros: Great benefits and personal service; No preset spending limit.
Cons: High annual fee; Higher interest than most cards

Credit cards are often offered in multiple levels with a basic card at the bottom and a “premium” metal used to name the card at the higher levels. Once one credit card issuer started to use a type of metal to name its cards, the practice was ...

Pros: Outstanding buyer protection and nice online features...
Cons: ...but still not accepted by some smaller and regional merchants.

Several years ago I hired someone who had spent most of his career at American Express. After a get acquainted lunch with my managers, I paid the bill using an American Express Gold card. Oh, you should switch from that,” he said. There’s no...

Pros: Great benefits, double airlines miles at a lot of places.
Cons: It costs $85 a year.

I have a Gold Delta SkyMiles Credit Card which took a bit of work to get. I wanted to share the benefits of this credit card as well as how I got it.

Some background:

My husband has a Platinum Delta SkyMiles...

Pros: Hotel rewards, vacation travel, increases options for businesses that are Amex-only.
Cons: Annual fee for a fancy ATM card that unreasonably freezes the card without telling you.

When first married, I remember my husband always wanted one of each kind of card - a Visa, a Master Card, a Discover Card, and an American Express. The idea is that we could be covered whenever we go to different businesses that accept or reject...

Pros: Conflict resolution, insurance, frequent flyer miles
Cons: High annual fee

Insurance as well as credit

For the most part, I think of the American Express card more as insurance than a charge card. The thing that has made it worth the steep $75 a year fee is the rental car insurance coverage. I was sick of...

Pros: convenient online account access & bill payment
Cons: not accepted everywhere

I have been an American Express cardmember for four years and now this is the only card that I prefer to use. I started out with American Express Green and built my history with the company until just a short year later, they invited me to become a Gold...

Pros: membership rewards, buyer protection, emergency replacement, free travellers checks
Cons: expensive, not accepted everywhere

I know, I know, "maybe" isn't very helpful. Well, let me change that to "for certain people" and elaborate a bit. If I had my way I would not have this card but unfortunately my husband insists on having his way every once in...

Pros: Great travel benefits, especially insurance; customer service has gotten better; good rewards program
Cons: $150 annual fee; some merchants won't accept it; insurance has its limits

I've had an American Express card since my sophomore year in college - over 10 years now. I upgraded to the Gold Rewards Card about 5 years ago. The Gold Card insurance benefits are great, and the card has more than paid for itself. Over time, the ...

Pros: They can get you a medical evacuation, any time, anywhere, no questions asked. Other great services also. if you need one,
Cons: $75.00 annual fee for that insurance, but I won't leave home without it.

American Express is primarily for "travel related services". Don't leave home without it. If you never leave home, any old card will do. If you travel very far from home, you are going to want an Amex Card, or at least you are going to want...

Pros: Flexible Rewards program, travel benefits, excellent customer service.
Cons: Not accepted everywhere. Annual fee high for some.

------------------------------ -----------------------Backgro und-------------------------- Once upon a time, my wife had impeccable credit, so she got an offer to get an American Express Gold Card. At first, she wasn't interested. "Are you ...

Pros: Read my story...
Cons: I hate having to pay off that big bill every month!

This is a true story. It happened to me.

In July 1989, my father, who was 81 and in good health, went to Indonesia on a 3-week art and textile tour. He wanted to maximize his experience, so when the group got to a small Balinese town not far...

Pros: flexible spending limit if your card doesn't get frozen for going over your charging pattern
Cons: high annual fee, AmEx loves to freeze cards and not let their clients know about it

We had this credit card for years. We paid $100 a year for the luxury of having to pay off the credit card each month ($75 for the 1st card, $25 for the second). This was the only credit card we had, so we were also paying for the luxury of being...

Pros: Very good customer service!!
Cons: The $75 annual fee

-I truly love the level of customer service American Express offers. I usually check our account balance and make payments on line. Helps me keep track of my budget! If you bring a discrepancy to their attention...they act on it real quick and usually...

Pros: Good services if you have occassion to use them
Cons: Annual fee, difficult experience cancelling my card

When I got my American Express card in college, I thought I had finally arrived. For some reason, the American Express card became some sort of status symbol among my peers at the time. It was considered a notch above the more pedestrian credit cards...

Pros: Nothing
Cons: False Sense of Security

I was a card carrying member of the American Express Fan Club for more than a decade...No More!

I have heard all of the songs of praise, namely because I used to be the one spewing them. Let me share my experiences with the...