American Express Services are three main types Including Payment Cards, Insurance, and Travel. In This Article Know All Services benefits, Fees, and eligibility to apply for these services.
What is American Express Services?
American Express services are credit cards for people, small businesses, and corporations. Traveller’s checks, credit cards, business and personal travel planning services, tour packages, and agencies for hotel and car rental bookings are among the company’s travel-related products.
American Express Services Contact Number is 1-800-419-2122.
1) American Express Payment Card Service
The company’s cardholder transactions are handled by American Express Payment Card Services (AEPS). AEPS conducts millions of transactions every day and is in charge of ensuring that all transactions are processed correctly and that cards are safeguarded against fraud.
American Express Cards have 3 Types.
1) American Express Platinum Card
American Express Platinum Card is a luxury travel benefits credit card that provides its cardholders offers.
Membership Rewards points are also earned with the American Express Platinum Card and can be redeemed for travel, goods, and gift cards. Cardholders can also earn 5x points when booking flights directly with airlines or through American Express Travel, prepaid hotels with American Express Travel, vehicle rentals through American Express Travel, and purchases at certain department stores and electronics retailers.
Benefits Of American Express Platinum Card:
Annual statement credits of up to $200 are available on certain Fine Hotels + Resorts and The Hotel Collection bookings made through American Express Travel.
- Uber Cash worth $200 per year.
- Priority Pass Select membership costs $179 per year and gives access to over 1,300 airport lounges globally.
- Annual Saks Fifth Avenue credit of $100.
- Annual digital entertainment credit of $240 (good for streaming services like Netflix, Spotify, and Audible).
- Annual airline fee credit of $200.
- Hilton Honors and Marriott Bonvoy Gold rating.
- Centurion Lounge access at specific airports.
2) American Express Membership Rewards Credit Card
American Express Membership Rewards Credit Card is an excellent choice for those looking to earn points on their everyday purchases. You can earn 1 point for every dollar spent on eligible purchases with this card, and you can redeem your points for a selection of travel and leisure benefits.
American Express Membership Rewards Credit Card Benefits:
- Earn 1 point for every $1 spent on eligible purchases.
- There is no limit to the number of points that can be earned.
- Points can be used to purchase vacations, products, and gift cards.
- Transfer points to airline and hotel partners for more redemption opportunities.
- There are no foreign transaction costs.
3) American Express SmartEarn Credit Card
American Express SmartEarn Credit Card is a no-frills rewards card with a simple rewards scheme and a low annual fee, making it a smart choice for budget-friendly consumers.
Primary features include:
- Earn one point for every dollar spent on eligible purchases.
- Up to $6,000 per year, earn double points at supermarkets and on select streaming platforms, then 1 point per dollar after that.
- There is no annual charge.
American Express SmartEarn Credit Card Benefits:
Simple reward program: The SmartEarn card’s rewards scheme is simple to learn and apply. Earn one point for every dollar spent on eligible items, and then redeem your points for vacation, goods, or gift cards.
Earn double points on everyday purchases: Earn double points at markets and select streaming services up to $6,000 per year, then 1 point per dollar after that. This can result in big savings on your daily spending.
The SmartEarn card has no annual charge, making it an excellent alternative for frugal consumers.
American Express SmartEarn Credit Card Fees:
- Balance transfer fee: 3% of transfer amount, with a minimum of $5.
- Cash advance fee: 3% of advance amount, with a minimum of $5.
- Foreign transaction fee: 2.75% of all transactions conducted outside the United States.
American Express SmartEarn Credit Card Eligibility:
- You must be at least 18 years old to be eligible for the American Express SmartEarn Credit Card.
- Have a good credit rating.
- You must be a US citizen or permanent resident.
2) American Express Insurance Service
American Express insurance services, including travel insurance, purchase protection, extended warranty, and return protection.
American Express Travel Insurance
American Express provides a number of travel insurance products to protect cardholders from unexpected situations when traveling. These policies may include coverage for lost or stolen luggage, travel cancellation or interruption, medical expenditures, and other charges.
1) Travel Accident Insurance:
This coverage reimburses for medical costs incurred as a result of a travel accident.
2) Vacation cancellation/Interruption Insurance:
If your vacation is canceled or delayed due to a covered reason, such as a natural disaster or a family illness, this policy reimburses you for prepaid, non-refundable travel expenses.
3) Insurance for Lost or Stolen Baggage:
This coverage reimburses you for the expense of replacing lost or stolen baggage up to a specific amount.
4) Medical Emergency Assistance:
This service is available 24 hours a day, seven days a week.
American Express Insurance Purchase Security
For up to 90 days from the date of purchase, American Express Purchase Protection protects eligible items purchased with your card against damage or loss.
1) Loss or Theft:
If an eligible item is lost or stolen within 90 days of purchase, this coverage reimburses you for the purchase price.
2) Damage:
If an eligible item is damaged within 90 days of purchase, this coverage reimburses you for the cost of repairing or replacing it.
Extra Warranty
For qualified items purchased with your card, American Express Extended Warranty automatically extends the manufacturer’s warranty for up to an additional year.
1) One-Year guarantee Extension:
This coverage extends the manufacturer’s guarantee for one year, up to a total of five years.
2) Full Replacement:
If a covered item is repaired or replaced during the extended warranty period under the manufacturer’s guarantee, American Express will issue a full refund for the original purchase price.
American Express Insurance Return Security
If you are unable to return an eligible item to the seller for a full refund within the return policy duration, American Express Return Protection will cover the transaction.
Extended Return duration:
For qualifying items, this coverage extends the return policy duration by up to 90 days.
American Express will pay you for the entire purchase price if you are unable to return a qualifying item for a full refund.
American Express Insurance Eligibility
The availability and limits of American Express insurance coverage differ depending on the card type. Please refer to the terms and conditions of your card for further information on the insurance benefits available to you.
3) American Express Travel Service
American Express Travel is a full-service travel agency that offers a number of travel services to cardholders, including:
- Making reservations for flights, hotels, vehicles, and cruises.
- Trip planning and organization, including itinerary creation, visa applications, and travel insurance.
- Giving you access to exclusive travel benefits like special pricing and upgrades.
- Customer service is available 24 hours a day, seven days a week.
- Cardholders can book travel with American Express Travel by phone, online, or in person at one of the company’s numerous travel locations.
American Express Travel Benefits
Exclusive travel benefits:
American Express Travel provides members with a number of exclusive travel benefits, such as exclusive prices and upgrades.
24/7 customer service:
American Express Travel provides cardholders with 24-hour customer service to assist them with their travel needs.
Travel expertise:
American Express Travel has a staff of established travel experts who can assist cardholders with trip planning and organization.
American Express Travel Fees:
Most American Express cardholders pay no costs when booking travel through American Express Travel. Certain types of travel, such as cruises or overseas flights, may incur fees for some cards.
How to use American Express Travel?
Cardholders can book travel with American Express Travel by phone, online, or in person at one of the company’s numerous travel locations.
Online
Cardholders can book travel online by visiting the American Express login and visit the travel page in with their American Express card details.
Phone
Cardholders can plan travel by phone by calling American Express Travel at 1-800-297-2977.
In person:
Cardholders can book travel in person by visiting one of the American Express Travel offices situated in key cities around the world.
With over 100 years in business and a global network of travel offices in over 100 countries, American Express Travel Services division serves millions of cardholders worldwide.
Frequently Asked Questions
What services do American Express offer?
American Express provides services such as Credit Cards, Business Credit Cards, Corporate Programs, Prepaid & Gift Cards, Savings Accounts & CDs.
Is Amex a payment service provider?
American Express Payment Gateway is a fast and responsive e-commerce service that can help you achieve your business goals.
And, for businesses with global demands, we’re linked to banks all around the world, providing you with a single point of contact for both domestic and foreign customers from day one.
Is it worth getting an Amex card?
When the American Express Gold Card Is Worth It. If you find that you spend the majority of your money on restaurants, groceries, and travel, this card could be a good choice for you. This card’s bonus for these categories is high, and it will earn you major benefits.
Does anyone use American Express?
Amex is well-known in the United States. According to the 2022 Nilson Report, you may use your Amex at 99% of locations that accept credit cards in the United States.
What is the main product of American Express?
American Express (AXP) is a financial and travel services firm based in the United States with operations in over 110 countries. Charge cards, credit cards, financial services, and travel-related services such as traveler’s checks are among its core goods.
What is the service charge for American Express?
Visa and Mastercard typically charge merchants 1.5 percent to 2.5 percent to accept their credit cards, while American Express charges 2.5 percent to 3.5 percent.
Does Amex outsource customer service?
For decades, AMEX has outsourced. They, for example, outsource customer service to companies in India and the Philippines.
Is American Express a service company?
American Express Services is a financial services firm and one of the Dow Jones industrial average’s 30 component companies.
