Currency Conversion Fees:
All credit cards have currency conversion fees. When using a Visa or Mastercard in a foreign country, you typically pay a 3% to 5% currency conversion fee for every transaction. Amex charges a flat 2%. I save at least 2% on every foreign purchase by using my Amex card.
Other Built In Benefits Of AMEX:
Buyer's Assurance Plan- Automatic Protection - Charge your covered purchases that have a valid U.S. manufacturer's warranty entirely to the Card.
- Extend Your Warranty - The Buyer's Assurance Plan will extend the terms of the original U.S. manufacturer's warranty for up to one additional year on eligible purchases with warranties of 5 years or less.
- Don't Think Twice - Coverage is available for eligible items for up to $10,000 (not to exceed $50,000 per Card account per policy year).
Return Protection
- No More Shopping Regrets - Return Protection1 offers guaranteed product satisfaction on designated items purchased entirely with an eligible American Express® Card.
- 90 Days of Protection - If you try to return an eligible item purchased in the U.S. within 90 days from the date of purchase and the merchant won't take it back, American Express will refund the purchase price.
- Up to $300 Coverage - You are covered for up to $300 per item, excluding shipping and handling, up to $1,000 annually per Card account
Shop with ConfidencePull a loose string on your new sweater and left with a giant hole? Good thing you have the Purchase Protection Plan
1 that protects your eligible purchases.
- Embedded Protection - Just use your Card and the Purchase Protection Plan protects eligible purchases against accidental damage or theft for up to 90 days from the date of purchase.
- Worldwide Coverage - Coverage includes eligible purchases made worldwide with the Card, including gifts purchased for others.
- Shop Worry Free - The Purchase Protection Plan repairs, replaces or reimburses you for the amount charged to the Card (not to exceed the original purchase price). Coverage is limited to up to $1,000 per Occurrence, up to $50,000 per Card account per policy year, and is in EXCESS of other sources of indemnity.
Decline the collision damage waiverDid someone hit your rental car? Not to worry with the Car Rental Loss & Damage Insurance Plan
.-
Use your Card - When you are the primary renter,
simply use your eligible Card to reserve and pay
for your auto rental.
Say "No Thanks" - Decline the collision damage
- waiver (CDW) or similar option when you are reserving and picking up your car from the Commercial Car Rental Company.
- Enjoy the Ride - The Car Rental Loss and Damage
Insurance Plan provides coverage against theft of or
damage to most rental vehicles. Coverage applies for the first 30 days, and is in excess to your other sources of insurance.
Peace of Mind. Every Day. Every Way. Everywhere.The Global Assist Hotline
1 provides trip planning assistance as well as emergency assistance when you are 100 miles or more from home.
- Destination Information - Before you travel, turn to us for weather reports, inoculation information, visa requirements, U.S. Embassy locations, and more with Global Assist Online Destination Guides.
- Need Emergency Services? - We can help you with just about anything. For example, we can help locate lost luggage, provide paid emergency translation services, prescription replacement assistance, provide referrals to physicians and lawyers, and do an urgent message relay if you need to reach someone back home.
- Stuck Without A Wallet? - We can help with your hotel check-in even if you’ve lost your wallet, we can also provide you with emergency cash wire services, and report all the Cards in your wallet as stolen if you call us
