6 Easy Rules Of American Express Student Card | American Express Student Card

American Express does not provide student credit cards specially designed for college students. But if you are at least eighteen years old with a solid credit rating, you could apply for an American Express student card. If you do not meet certain application criteria, consider being an Amex certified user to develop a good credit history and eventually receive your own card at a later date. You'll find that it's easy to become an American Express student card holder.

Most of the time, the applications for American Express student cards are similar to those for a normal credit card, consisting of the basic questions about your financial history and recent credit inquiries. On occasion, you may also be asked to provide information on parent(s) or other relatives who qualify for specific programs. For example, there are some American Express offers that are specifically targeted toward parents with young children attending college. In these cases, the interest rate will be higher than those associated with a regular card and may require you to obtain child care in order to make payments on time. But again, most of these programs are targeted at college kids.

The one big difference between these American Express student cards and those of a more traditional credit card company is the annual percentage rate or APR. On the American Express student cards, your interest rates are tied to the prime rate which is higher than the rate that many credit card companies charge for purchases made on cards that are held by adults. This is important to remember if you plan on using these cards to make large purchases such as furniture. While the purchase APR might be higher on these cards, they are still much less than the ones you will pay if you hold a normal Visa or MasterCard. However, keep in mind that the lower interest rates on these cards are only for purchases you make on them and not when you use them to pay for services.

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There are also American Express cards that are prepaid. These cards give you rewards just like any other major credit card and you do not have to pay an annual fee like you would with the regular Express cards. Many of the cards allow you to pay for services either in cash, check or credit card using your card. Some of the service options include air fare discounts, hotel stays, rental cars and more. Again, keep in mind that you can only use the rewards you receive on these cards to pay for purchases, not services.

Now let's take a look at the other two major cards offered by American Express: The Blue and Silver cards. Each one of these has their own set of benefits and features. The Blue card is basically the same as the one you get at American Express. The major difference is that the Blue card allows you to choose from three major cards, which is great if you travel a lot and need to travel across the country. You can choose the one that has the lowest interest rate and lowest annual fee and charges. They also offer rewards and special offers in different areas, including dining, entertainment, hotels, car rentals and more.

If you have good credit rating and have not . . . . . . had problems getting approved for unsecured credit cards in the past, this may be a good option for you. You will find that many lenders are willing to offer competitive interest rates when you have great credit. But, remember that having good credit will mean having to pay higher interest rates too, so it is definitely not a win-win situation for many people. However, there are times when having bad credit can be better because it means you have less competition.

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American Express student credit cards can also be great if you plan on going to college or if you like to travel a lot. You can choose cards with great perks like air miles, cash back or other types of deals. They also offer cards for business people that help build your business credit rating. You have to remember that not all cards are accepted at every place, so you may have to get creative and find the cards that you do want to use. Some American Express cards are only for students and some only work for certain types of establishments. So make sure you read their rules and regulations before applying for any American Express card.

With American Express student credit cards, you will want to be sure to make good use of them. You can find many perks, rewards and benefits that will help you along with the perks. However, they do expect you to make use of them and learn the proper use of them in order to be successful with them. Also remember that with American Express student cards, make sure you know what the company requires for the proper use of their products.

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Alle Kreditkarten American Express – american express student card | american express student card

Alle Kreditkarten American Express - american express student card

Alle Kreditkarten American Express – american express student card | american express student card

Alle Kreditkarten American Express - american express student card

Alle Kreditkarten American Express – american express student card | american express student card

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