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IVA Information Debt IVA UMBRELLA COMPANIES |
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| American Express® Preferred Rewards Green Card | |||||
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Issuer:American Express Credit requirement:Good credit required. You can earn 5,000 Membership RewardsŪ bonus points after your first purchase with the card --redeemable for a $50 gift card2 The Membership RewardsŪ program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs3 Purchase Protection Plan4 protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase Many other travel and shopping benefits No Pre-Set Spending Limit5 YOUR FIRST YEAR IS FEE-FREE with the American Express® Preferred Green Rewards CardFast—and flexible—travel rewards. Earn points quickly and choose your rewards from over 21 airlines.
Apply for American Express Preferred Rewards Green Card |
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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 Debit Card: Payment card whose funds are withdrawn directly from the cardholder's checking account at the time of sale (online debit) or after the batch settlement occurs (off-line debit).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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