3 gute Gründe für American Express Firmenkreditkarten  (2024)

FAQs

What makes American Express successful? ›

Key Takeaways. American Express earns most of its money through discount revenue, primarily represented by earnings on transactions that take place with partner merchants. The company also generates revenue from cardholders through annual membership fees, interest on outstanding balances, conversion fees, and more.

Unlike a Credit Card, the Business Basic Card has no pre-set spending limit . This means that your Card's spending power - the amount your business can spend - is dynamic and can adjust to your business needs.

While other credit card companies may accept a wider spectrum of applications, AMEX prioritizes those with good credit histories and high credit ratings. This selectiveness contributes to the brand's unique image. The possession of an AMEX card is frequently regarded as a symbol of financial prudence and success.

Centurion® Card from American Express

A rating of 5 is the best a card can receive. Why it's one of the hardest credit cards to get: The hardest credit card to get is the American Express Centurion Card. Known simply as the “Black Card,” you need an invitation to get Amex Centurion.

American Express limits all customers to five personal and business credit cards at a time. The five-card rule does not apply to charge cards, which provides some flexibility if you need more than five Amex cards. Charge cards include the Amex Platinum, American Express® Gold Card and American Express® Green Card.

1 in 5 Rule

You can only get approved for one credit card every five days. The 1 in 5 rule doesn't affect charge cards, so you could apply for one credit card and X charge cards on the same day and be fine. Keep in mind that you'll have to manage the minimum spend requirements.

If you have a good to excellent score (670-850 points) your application for a business card may be accepted even if your business credit score is low or non-existent.

American Express credit card approval odds are best for people with a good or excellent credit score of 700+, an annual income of $50,000+, and relatively little debt. Applicants will also need to be 18+ years old with a U.S. mailing address and an SSN or ITIN to get a American Express credit card.

The easiest American Express cards to get are those that require a minimum of good credit for approval as opposed to excellent credit only. The Blue Cash Everyday® Card from American Express and the American Express Cash Magnet® Card are two of the easiest Amex cards to get because they only require good credit.

Is Visa better than American Express? ›

In terms of international acceptance, Visa has a sizable lead. It's accepted in over 200 countries, compared to over 170 countries for American Express. When you travel abroad, using an American Express card can be hit or miss, whereas Visa can normally be used anywhere credit cards are accepted.

Both cards provide some pretty impressive ways to earn points. The Gold card offers more chances to earn points on everyday spending while the Platinum card's 5X Membership Rewards on travel makes it better for those who travel frequently.

American Express's main direct credit card competitors are Mastercard, Visa, and Discover. While Mastercard and Visa have a different business model than American Express, they all compete in the credit card space. Financial institutions that issue credit cards also compete with American Express for consumer business.

Rapid dividend growth

The company's most recent increase in its dividend puts the spotlight on the payout's recent impressive track record of growth. The company has increased its dividend at rates between 17% and 21% each year since 2022.

American Express is one of the leading card issuers in the United States. It's known for its top-notch customer service and some of the best rewards available. From ultra-elite business travel cards to everyday rewards, American Express has credit cards that are a good choice for many different types of cardholders.

American Express is a leading issuer of personal, small business, and corporate credit cards.

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