The Benefits Of American Express Air Miles Credit Card To Card Members
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
The Advantages of the American Express AIR MILES Credit Card
Overview
American Express has teamed up with the AIR MILES rewards program to offer the American Express AIR MILES Credit Card. This partnership allows you to enjoy the exclusive benefits provided to American Express card members.
Benefits
1. Competitive Interest Rates
- Benefit from a low interest rate of 3.99% on balance transfers and 16.99% on purchases and cash advances when you apply for the card. Note that the balance transfer rate is valid for the first six months only.
- Ensure monthly payments are made on time to maintain these low rates, as missed payments can lead to higher interest rates.
2. Penalty Rates
- Missing two payments within the introductory period will increase your rate for purchases and advances to 19.99%.
- Missing three payments or failing to catch up on one missed payment for two billing cycles raises the rate to 25.99%.
3. Balance Transfers
- Transfer balances from higher-interest cards to your American Express AIR MILES card to enjoy lower monthly payments. While reward miles aren't earned for balance transfers, this can lead to significant savings and the convenience of a single monthly payment.
4. Online Account Access
- Enjoy 24/7 secure online access to your account, ensuring easy management of your finances anytime, anywhere.
5. Supplementary Cards
- Obtain additional cards for family members at no extra cost. These come without an annual fee, and any earned miles are credited to your account, helping you accumulate miles faster.
6. Flexible Payment Options
- Pay your bills through internet banking, pre-authorized payments, telephone banking, mailed checks, or in person at a bank branch or ATM. Note that your payment is credited only once received.
For more details on American Express credit cards, visit [American Express](http://www.americanexpress.com) or [Credit Wisdom](http://www.credit-wisdom.com).
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