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IVA Information Debt IVA UMBRELLA COMPANIES |
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| American Express® Preferred Rewards Gold Card | |||||
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Issuer:American Express Credit requirement:Good credit required. You can earn 10,000 Membership Rewards® bonus points after your first purchase with the Card -redeemable for a $100 gift card2 The Membership Rewards program§ - Whatever you want to do, this is the rewards program that can help make it happen. Exciting travel, entertainment, shopping, and dining experiences are waiting for you Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide3 Global Assist® Hotline4 and many more benefits included Purchase Protection Plan5, and many more benefits included No pre-set Spending Limit Express Approval. Get a decision in less than 60 seconds. The Preferred Rewards Gold Card takes you places. And shows you’ve arrived. Enjoy Gold Card benefits and access while you earn travel rewards fast. Get your hands on the most sought-after tickets in major cities across the U.S., from concerts and shows to major league sports -- often in advance of public sale, and exclusively for Gold Card, Platinum Card®, and Centurion® Card members Be a part of our award-winning Membership Rewards® program Automatically turns your purchases into points you can redeem for your choice of truly exceptional travel, shopping, and entertainment rewards YOUR FIRST YEAR IS FEE-FREE with the American Express® Preferred Gold Rewards Card Get 10,000 Membership Rewards points redeemable for Rewards right away2
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Credit Card Terminology Tidbits
Annual Percentage Rate (APR): This number is a measure of the cost of credit, expressed as a yearly rate. It must be disclosed before you become obligated on the account and on your account statements. Annual Fee: The fee charged for your card on a yearly basis. Depending on issuer some credit card providers may charge an annual fee, typically below the $50 dollar range, nevertheless some choose not to charge any amount. This latter type is called the no annual fee credit card. Balance Transfer Fee: A fee for transferring balances from another card to this card, if any. Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit). Cardholder: Any person who holds a payment card account. Grace period: The number of days you have to pay your bill in full without triggering any finance charges. With most plans, the grace period applies only to purchases; cash advances and balance transfers may start accruing interest immediately.
Transaction Fees and Other Charges: Some issuers charge a fee if you use the card to get a cash advance, make a late payment,
or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
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