With a credit card, you can carry a balance and accrue interest if necessary. Note this is not advised by me. The points game does not work well, if you are carrying a balance and accruing interest. See #4 in Let’s Get Started To Earning Free Travel. However, with the current offer for this card, there is a 0% intro APR on purchases and balance transfers for 15 months.
Earn Membership Rewards with the card. Learn about the American Express Membership Rewards Program here.
Use your Card 20 or more times on purchases in a billing period and get 20% more points on those purchases.
Purchase Protection protects eligible purchases made with the Card in the event they are accidentally damaged or stolen for up to 90 days from the date of purchase.
When you use your card for eligible purchases, you can get up to one extra year added to the original manufacturer’s warranty. Applies to warranties of 5 years or less. Some exclusions apply.
If you try to return an eligible item within 90 days from the date of purchase and the merchant won’t take it back, American Express may refund the full purchase price (excluding shipping and handling), up to $300 per item, up to a maximum of $1,000 per calendar year per Card account, if you purchased it entirely with your eligible American Express Card.