What is american express3 reward card for?

American Express has no advantage over other credit cards in China. Below we list some advantages for reference.

1. American express VIP cards (such as black cards) have advantages over other cards in tourism merchants, such as flight delays and baggage delays, which can be directly compensated. Ordinary Amex members need to pay extra. At present, only two kinds of cards are used for free, one is Amex black card (which most people don't have), and the other is platinum card, which costs an annual fee of 3 dollars. In fact, it is equivalent to buying a member of the airport lounge in disguise.

2. As far as I know, there is a kind of AE card in the United States with a cashback of 6% (blue cash preferred). You can buy a giftcard in the supermarket, so that you can have 6%cashback in many merchants, while the ordinary visa master card cash back is only 1%~2%. "

3. Flexibility: At any time, if you want to buy something beyond the limit, just a phone call is enough. I said that I used to decorate my house, and I bought a lot of materials that month. Finally, I invited someone to change the garage door, change the floor and decorate the kitchen. I overspent, so I called over and said that I would spend more money to decorate my house this month. The answer is, ok, no problem. As a result, it was overspent that month, exceeding the credit by more than 2 thousand dollars, but the credit card still didn't explode. It was just that every time there was a big order, the person who trusted the card immediately called me to ask me if I should pay it. They are just to prevent others from stealing. Other credit cards don't have this service, so they refuse to pay directly.

4. Goods purchased with AE card have additional insurance services, free of charge; There is no other credit card at all.

For example, if you buy a laptop in a general store, the replacement is usually less than one month. As short as 15 days. What I'm talking about here is unconditional replacement (not necessarily quality problems, but you can change it if you don't like it). Most stores only guarantee this kind of products for half a year to one year. Unless you spend money on a longer warranty period. But using AE card to buy notebooks, computers, etc. in CostCo has a two-year warranty period. In two years, I'm afraid every computer has almost fallen behind. At that time, if your hard disk is broken, you can happily go to the store to change it for a new one or a new hard disk. I changed a TV set, and that was a screen display TV set. After a year and a half, it suddenly stopped working, so I sent it back for a new one. At that time, the store didn't have that model, but brought me back a color TV with the same brand but a bigger screen.

5. The service of American Express is the best! This is unmatched by any other credit card company. Very partial to users. Let's take a practical example: if you are not satisfied with a paid service, such as cable TV service and network service, you can call AE (I think AE is simple and easy to use, which is the abbreviation of American Express. Use this instead, anyway, everyone understands), and they will not hesitate to refuse these service companies to withdraw money from your account. I once ordered a company's service for free for the first month, but I hardly used it after booking. After one month, I completely forgot to cancel the service, and that company charged there every month. I didn't notice until half a year later that I called AE and said that I didn't use this service at all in the past six months, and they charged me. Without further ado, on next month's bill, not only can the company not withdraw money from its account, but it will also recover all the fees charged every month for half a year. This is something other credit cards can't do. AE has a blacklist of merchants for each customer. It is impossible for a merchant without a customer blacklisted to withdraw money from the customer account. That service company was blacklisted in my AE account.

6. Disadvantages: American Express issues its own cards and deals with customers and businesses by itself. Merchants pay higher fees to American Express, so the scope of support is smaller than the other two. Few businesses only support Visa but not MasterCard, and vice versa; But merchants who don't support American Express can be found everywhere in Europe.