- Low-interest cards
- Earn reward points
- Access global benefits
[Accessed December 11, 2022]
About American Express
American Express originated in 1850 in Buffalo, New York. The company was established through a merger of three companies into a joint-stock corporation.
It has a rich global history and an established track record for enriching lives and enabling financial growth and success worldwide. The powerful appeal of the brand makes it a trusted credit provider.
Their impressive services portfolio is supported and appreciated by businesses across all industries. American Express became an international finance icon through hard work and unwavering service to people and businesses across the globe.
An unrivalled ethos
Unwavering commitment and dedication form the core of the company ethos. Through its network of global partners, clients have access to market-leading financial products and a wide range of special benefits.
Get rewarded for going places
- Cards are accepted locally at more than 100 000 retailers, and globally in more than 200 countries.
- Get free monthly eStatements.
- You can consolidate debt faster by transferring balances from any store or credit card at a preferential interest rate.
- American Express Foreign Exchange can be purchased 24/7 through the American Express travel service. It’ll also be delivered to you free of charge.
- By linking additional cards to your American Express card, you can share your rewards with family and friends.
- You can also apply for an American Express Membership Rewards Card which enables you to use your points at any time, anywhere in the world.
Innovation in budget management
If you take your financial well-being seriously and are always looking for innovative ways to manage your expenditure, you needn’t look any further. American Express’ cutting-edge credit product offerings are designed to help you manage your budget down to every cent.
Even if you aren’t in dire need of a credit card it makes sense to apply for one as you can enjoy a wide variety of rewards. American Express credit cards are accepted globally and clients can trust the integrity of the brand.
American Express Services
American Express credit cards are accepted globally and clients can trust the integrity of the brand.
You can choose from three different American Express credit cards: Platinum, Gold, or Blue.
Reach for the big blue
The American Express Blue Credit Card has an additional budget facility and is perfect for everyday use. It’s the perfect travel companion as it enables you to manage your finances while having fun in the sun.
The card also enables you to pay large debts over a longer timeframe. Accepted globally, you have the option to pay your outstanding balance in full or only pay a monthly instalment of 10%.
Earn Rewards Points with American Express
You enjoy a variety of rewards and get one reward point for every five rands you spend. The card also has a transfer feature, enabling you to transfer balances from your other accounts onto your Blue Card.
Consolidating debts is easy as you enjoy a favourable debit interest rate on your credit card.
Travel insurance is automatically included if you buy travel tickets, locally or internationally. The Blue Credit Card offers credit protection of up to R150 000 as well as easy-budget transactions bigger than R300.
You can now give free rein to your inner travel bug, knowing you’re completely protected wherever you go. The card initiation fee is R150. The monthly fee is R24 at an interest rate of 19.5%.
Platinum value unlocks opportunities
As an American Express Platinum Credit Card holder, you get 30 000 bonus membership rewards upon spending R10 000 in the first three months.
You’ll also have access to the Centurion Lounge, which is a global travel lounge for Platinum cardholders only.
You further enjoy 1.5 reward points for every five Rand you spend. Global travel insurance of R10 million covers your family too. The initiation fee is R180 and the monthly fee is R460.
American Express – Credit card
- Loan Type Credit cards
Benefits of American Express
- Low-interest credit cards
- Get rewards for using your credit card
- Get membership benefits
Spoiled for choice with American Express
You might be wondering which American Express credit card offers the most value.
Although all the cards have great perks and rewards, Platinum has the highest overall earning rate and offers holders more value in terms of travel.
Platinum also gives airport lounge access, while Gold only provides limited access to domestic Bidvest Premier Club lounges. The American Gold Credit Card, however, offers the most in terms of general value.
To qualify for an American Express credit card, you:
- Have to be older than 18
- Need a South African identity document
- The bank account must be active
- Need proof of regular income
- You’ll need a credit score of at least 670 on the FICO scoring model.
- You can apply online. The process is swift and completely hassle-free.
What to consider before you take out a credit card
It’s wise to know your credit score beforehand as your credit reports can assist you to decide on the products you want to apply for. It’s also important to keep your expectations realistic.
You can improve your odds of being accepted by applying through a bank with which you have an established relationship.
It’s vital to remember that the cards differ in terms of fees, interest rates, and special perks. Always make sure to read the fine print so you can get the best deal to suit your specific needs.
Ensure that you understand all the terms and conditions of the product you’re applying for. Examine fees and interest rates carefully before making your decision.
It simply makes sense to trust an iconic brand such as American Express with your financial well-being.
Put the glow back into the ordinary with a gold card
The American Express Gold Credit Card enables stylish travel across the globe coupled with unique benefits. If you swipe for more than R10 000 in the first three months, you’ll earn 5 000 bonus membership rewards.
You also qualify for the rewards program and can earn an accelerated 1,5 points for every five Rand you spend. You qualify for travel insurance of up to R4 million. You can even request more top cover if needed.
To top it all off, you have 12 complimentary visits to local Bidvest Premier Club lounges annually. You also qualify for a free lifestyle reward voucher on every R3 500 you spend during the month. The card’s initiation fee is R 670.00 with a monthly maintenance fee of R70.00
*All fees are effective as of January 1st, 2022, and include VAT at 15%
Customer Reviews & Testimonials
The American Express credit card comes with so many different types of rewards that I just had to get it and now that I travel all the time my credit card is paying off with all the rewards.
— Port Elizabeth —
The app that tells you all you need to know about your card how much you have used or need to pay back is an amazing for customers couldn’t be happier with American express always going the extra...
— Cape Town —
Great experience with the company when I applied they kept me informed with my application and even took the time to alert me that I had been accepted.
— Johannesburg —