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American Express is one if not the only credit card out there with no preset spending limits. You pay as you go or in full every month, no matter what you spend. As a result, good or excellent credit is needed to obtain one of these cards. Depending on the card you get there may or may not be an annual fee and APR’s range from very low around 8 percent to the more standard rates of eighteen to twenty four percent.

There are some unique advantages to the American express line of cards. Once you obtain one you never have to worry about going over your credit limit because there is not one. They are widely accepted at a number of hotels, online stores and offer bonuses when used for renting cars, hotels and purchasing things like office supplies and airline tickets. Rewards points can be cashed in for things like gift certificates and other items. In addition, there is a cash back program as well.

Depending on the card, you can earn five percent back on certain items. These items are things like office supplies, gas and other business expenses. If you do a lot of shipping, American Express business cards can help you to save money on those shipping costs by offer discounts to major shippers like FedEx.

If you are looking for a credit card for home or business expenses that does not have a limit, a low yearly fee, excellent APR and gives you cash back on the things you spend money on the most, and you have excellent or good credit consider the line of American Express cards. There is something for everyone in their credit card line up so you are sure to find something that means what you are looking for.

Written by David Smithston. Find the latest information on americanexpress

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