If you have a business with a lot of credit cards and/or store accounts, you may have already noticed that Amex credit cards from Dell are no longer the cheapest deal on the market. In fact, they are now offering some of the most comprehensive business cards on the market. It gets even better; Amex now targets individual accounts with a Dell Amex offer: up to $1500 on monthly statement credits, no limits on statement credit purchases, and up to 10% cash back on all purchases. Add in that great customer rewards and low interest rates, and you have one solid reason to consider a Dell credit card.
When looking for an Amex credit card, it is important to remember that there are two different ways to earn bonus points and pay low interest rates. You can either use your card to pay regular monthly bills, or you can use your card to earn statement credits every month. With this in mind, there are some differences between the two cards.
The first major difference between the two is that the Amex card from Dell has partnered with Visa for its sole operating platform. In general, when using a non Visa card, you have to pay a gateway fee, a recurring statement fee, and much more for the privilege of receiving a credit line. Amex instead uses Visa as their payment partner for their sole operating platform, which saves them money and simplifies their payment processing. This is why Amex offers a Dell Amex card and not just any Amex card, and why the annual fee and low interest rate on the card are such a huge plus for consumers.
While it's true that you can't get rewards and lower interest rates just by being a Visa card holder, you do still have other benefits from an Amex account. First, the card comes with a one year free of charge status for consumers. For anyone that's looking to save money over time or wants to build a long credit history, this is definitely a great perk. Additionally, when you use your debit card for purchases you earn statement credits that can be added to a savings account. This allows you to build savings and use it to pay down debt.
You also have the ability to earn bonus points by spending money on the Dell Amex card. Bonus points can either be converted into cash or used to purchase gift certificates for family members, friends, or favorite retailers. Bonus points can also be used as cash back for any of your purchases. As mentioned, the annual fee and low interest rate on the card make it a solid choice for consumers looking to save. With all these benefits, you can definitely see why the Amex card from Dell is one of the most popular and most useful cards out there.
One of the biggest perks of the Dell Amex card is the ability to earn rewards. Every time you make a purchase with your Amex card, you earn one point. This means that in order to earn five points, you need to make at least five purchases using the card. In addition to reward points, you also earn first-rate cash back rewards on all your purchases. This can be a valuable way to save money each month, especially if you make your purchases during the holiday season.
The final major benefit of the Dell Amex card is the ability to save on interest costs. If you have an active checking account, you will earn up to three percent on the interest you pay. The company offers an attractive balance transfer offer, with no annual fee and no balance transfer fees. You also earn three months of statement credits after making your first six months on an account opening. This makes the savings that you earn even greater.
Finally, there are some other perks that you won't find on the standard Dell Amex card. For example, the business version allows you to earn up to two percent cash back for everything you buy with your card. In addition, the business version also offers six percent on the top rate on your bills. With all these perks, the Dell Amex card might be worth the cost of the annual fee alone. At that point, though, you might want to consider a standard credit card so you can continue earning rewards points. After all, it is beneficial to have a card that has the features you want along with the benefits you need.