Some consumers shy away from American Express Credit Cards because they perceive the notion that they are not accepted as widely as Mastercard and Visa. This is true. Your American Express credit card should rarely be a consumer's only credit card. They may always come those times when American Express is not accepted (as Visa has done a masterful job of pointing out in its commercials). Still, the benefits of owning an American Express credit card are vast and numerous. It would be to any consumer's interest to apply for one of these cards, and it would make a very nice addition to your credit card portfolio. Here are a few of the reasons American Express credit cards are a head above the pack.

Additional Cards

For a one time fee of only $30, you can add up to five cards to your account for the entire family. Each of these cards has the same benefits and restrictions as the original card. If you need more than five, you can pay an additional $30 per card and get as many as you need. If you need to share your card with your wife, husband, or children, this is a meaningful benefit that could be put to great use. Just think about how nice it would be not to have to part with your card every time your wife needs to head out to the shopping center. Now she will have her own card, the same account, and convenience is enjoyed by all.

No Preset Spending Limit

It has been said that the American Express credit card is for those with the independent means to live wealthy. This is a stereotype, but there is something to the original statement. The reason for this notion is the lack of preset spending limits. With traditional credit cards, you will be assigned a credit limit of a certain amount, be it $3,000, $10,000, or more. With American Express credit cards, the limits to your spending are decided on a flexible, changing basis that has more to do with your financial means and spending practices than on an arbitrary, fixed number.

Pay Bills with the American Express Card

American Express has recently instituted bill pay features with their credit card online system. This means simply that with over one hundred companies, you will have the option of setting up bill pay with your American Express credit card. You can do this on an automatic, monthly basis, or as a one time transaction. Either way, you will enjoy the comfort and convenience of paying for your bills with your credit card, and enjoy the luxury of knowing you are earning rewards with every payment.

About Those Rewards

American Express is one of the most generous credit card companies on the planet when it comes to earning gifts and rewards with the use of your credit card. With every purchase made on the American Express credit card, the consumer earns points toward such rewards as dinners, entertainment, travel, and shopping. Simply enroll your card in the Membership Rewards Program, and you will be on your way to making the most of a terrific credit card.