I have had an Amex card for some 50 years now!
I have had it so long that they no longer charge me an annual fee!
I love this card as they are so different to the banks. Recently I had a transaction I did not have a clue what it was. They immediately took it off my account and have now credited it a month later as the merchant has not replied to them.
With my Visa card, you have to pay the amount while they look into it...Amex, not so.
Also they answer their phones on about the second ring and with the banks I have to wait up to 20 minutes for a query, and Amex are far more polite and professional.
Guess that is why they charge the merchant more, and why a lot of places do not take this card.
Their F/flyer programme is also double what the other cards are.
Cannot speak highly enough of this efficient company!
Thd reason why your establishment won't accept American Express is because the fee they charge thd merchant us a lot higher than the other banks charge. Also, in Europe the majority of places will not accept it because of the high fees and if you offer it you will be asked if you have Mastercard of Visa. When we returned from our 3 months in Europe I went into Mastercard with the unused cards and asked them to destroy them and delete us from their computer. When asked why I told them the merchants just refused to accept them.
My husband has an American express card. At the Commonwealth bank he was given a Visa and American Express for FREE. We don't use it, but it's there if we need it. Most places don't accept Amex and there are surcharges if you do in some cases
All big supermarkets accept as do all petrol station plus Dept Stores and a lot of restaurants - I find in Sydney there are far m ore who accept it than here in Perth. Most GOOD establishments accept it no charge - also electrical places like Harvey Norman.
I do not have either of these cards, simply because I have no desire to!! I have never been a major spender and even my credit card which I now have is a low interest, low fee one with a VERY small limit.I keep it just for absolute emergencies such as health expenses. I have my Visa Debit card, again a very low-cost alternative, for using when I buy online. This way I just put the required amount onto the card and then pay for my item. It is a $6 per month fee which on a disability pension, I am able to easily afford! Even before I became too ill to work, I never used credit cards except for emergencies.I was just raised to pay for things I want or lay-by them! It has always worked for me as I am not terribly materialistic! When I HAVE wanted to spoil myself,I have always managed to buy very well.
Yes and I like it and use it more now. Many more retailers are accepting Amex and certainly the big supermarkets and department stores do too. The yearly fee is steep but rewards are good, I can offset the annual fee with David Jones vouchers when enough points. Occasionally Amex offer discounts when dining and shopping at some small business, they load the discount , often twenty dollars, back onto your account. You can get preferences in booking shows and similar events. I am quite happy to not use the other credit cards as they have monopolized us too long.