American Express offers a wide range of charge cards and credit cards to meet the needs of almost any consumer or business. Consistently voted high in consumer satisfaction surveys, American Express prides itself on a superb level of customer service. All AmEx cards offer 24/7 support, and a select number even include concierge service.

The best AmEx card for you will be the one that matches your spending habits, with the lowest cost to you.

American Express Credit Card or Charge Card?

Additionally, when selecting an American Express card, decide whether you will need to carry a balance or not. The traditional AmEx cards are charge cards, which means you'll need to pay the balance in full each month (regardless of its size). And contrary to popular belief, charge cards do have spending limits that cannot be exceeded each month, unless you deposit money to extend your limit. On the contrary, there are several AmEx cards available that are true credit cards, wih revoling lines of credit that can be paid over time, making these ideal for people who cannot pay in full.

Typically, American Express cards require good to excellent credit. If your credit score is lower than this, you should take steps to improve your credit first. Consider opting for unsecured or secured credit cards to rebuild your credit. Once your credit score increases sufficiently, then apply for an AmEx credit card.