American Express Student Credit Cards

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American Express has some of the best credit card commercials on tv right now. They’re really working the snob angle with all these celebrities talking about how their “card is American Express.” I’m partial to Shawn White’s commercial, being a snowboarder myself.

Some of you might want to join that elite club of American Express card holders. If you’re a college kid now I’d recommend getting started with an American Express student credit card. If you form the relationship with AMEX while you’re young, someday you might work your way into owning a Black Card. We’ll talk about what that is some other time.

Here are some of the benefits of American Express student credit cards:

1. Online account management: check your statements and pay your bills online.
2. Account alerts delivered to your inbox: they’ll send you reminders so you’re never late or miss out on special card holder opportunities.
3. Automatic Bill Pay Program: a great way to build credit history by using your card consistently. Protects you against ever being late with your bills.
4. Membership Rewards Program: a points system that allows you to buy promotional items. You can also apply points to airline travel. They’ll give you double points through over 100 different online retailers.
5. Benefits through American Express Travel: when you’re going to travel you can earn double points by booking through American Express Travel.
6. Insurance against rental car damage and loss: One more reason to beat up on your rental car. They insure it for you!
7. Purchase Protection Plan: protects items you purchae against damage or theft for a period of time (can be up to three months). American Express will reimburse up to $1000 on an item, up to $50,000 total in a year. This is a pretty amazing benefit.
8. Fraud Protection: They’ll cover any fraudulent charges on your student credit card, whether you made the purchase online or off.
9. Buyer’s Assurance Plan: for items you buy with warranties, American Express will cover extend the warranty up to one year on items costing less than $10,000.
10. American Express Selects: there’s a long list of benefits for cardholders traveling inside and outside the United States. Check out the website for more details.

There’s a price to pay if you’re going to be a member. American Express cards almost always have annual fees, and their interest rates could be called less than competitive. You don’t want to carry a balance on an AMEX.

Other than that, this is a credit card company known for taking care of its card holders. Membership brings a certain status and the VIP treatment. Get in now; you’ll be in good company.