Credit Card Articles
ChoicePlus Card From American Express Enhances Life Experiences
The ChoicePlus Card from American Express is a consumer credit card that is filled with benefits for the cardholder. Every time the card is used, points are earned. These points can then be redeemed for gift cards and various travel perks that are designed to save the cardholder money.
It begins with a simple application process that can be completed online in order to receive a fast decision. Once the card is received and used the first time, there is a Welcome Bonus of Membership Rewards points that are applied to the card.
While there is a small annual fee to own the card, the initial Membership Rewards are enough to redeem for a $50 gift card that can be used for entertainment, dining, or whatever the cardholder decides to acquire a gift card for. There is a list of gift card options available to the cardholder and these gift cards can be acquired every time the cardholder has enough points to acquire them.
Furthermore, supplementary cards can be acquired for free. There is also an introductory interest rate that lasts for a specific amount of time. As long as the account is kept current, the cardholder is able to enjoy this perk for its entire duration. Once the introductory period comes to an end, the normal interest rate goes into effect. The purchase rate and the funds advance rate are different from one another. The funds advance rate is higher than the purchase rate.
Points And Rewards
Point accumulation is easy. You get a head start with the Bonus Membership Rewards that come with the first purchase on the card. From there, you earn two points for every dollar you spend if you use the card with any of five merchants that you choose from a list. All other purchases earn one point for every dollar spent.
The list of merchants that five can be chosen from includes electronics, apparel, home improvement, airlines, travel websites, hotels, car rental companies, cruise lines, office supply, computers, restaurants, and more.
Once points are accumulated, they can be redeemed for rewards. Each reward is worth a different amount of points and the most significant rewards are going to require a higher number of points. However, there are rewards for everyone. Sports lovers, music lovers, travelers, home improvement enthusiasts, and many others will be able to take advantage of the vast number of rewards.
To better break down the rewards into more details, the first set of rewards consists of shopping and dining opportunities. There are many gift cards to choose from starting with $50 gift cards to some of the most well-known retail establishments. Gift cards are also available to popular restaurants and to Sporting Life, Golf Town, and the Stratford Shakespeare Festival. If gift cards are not what you want, then you can redeem your points for merchandise from top brands.
Another type of reward that cardholders can take advantage of is the experiential reward and this is available in several forms. The first is the movie ticket. There are options to buy one adult ticket or to purchase a night out for two adults to enjoy the show. If concert tickets or another type of ticket is purchased through Ticketmaster.ca, the cardholder qualifies for a statement credit. Also when purchasing tickets, cardholders have access to Front Of The Line Advance Ticket Access. This is the opportunity to purchase tickets before they go on sale to the public.
For the traveler, there are a number of travel benefits, such as TripFlex rewards. Travel purchases are charged to the card. Cardholders can then go online and redeem those points, which can cover the fees and taxes associated with the travel purchases. Points can also be transferred to hotel rewards programs, redeemed for car rental or hotel and resort gift cards, redeemed for Flight Centre gift cards, or used to acquire a Plaza Premium Lounge Pass. This gives cardholders the opportunity to get more out of their travel.
Shoppers even enjoy the Buyer's Assurance Protection Plan, which automatically increases the manufacturer's warranty on merchandise that is purchased on the card. The Purchase Protection Plan insures items purchased with the card up to a certain amount. This coverage protects against theft and accidental damage. While this is ideal for any item, this provides protection for large investments that may not be otherwise protected.
Another area that American Express is known for is the service. Customer service is available 24/7, but online account management allows for the same information that customer service can give to be acquired online. Through online account management, cardholders can view their balance, review transactions, make payments, track points, and redeem points.
Another convenient purchase is Emergency Card Replacement. Emergency Card Replacement allows for fast replacement of the card if it is lost or stolen at any time. This means that the card can be replaced when traveling. If traveling, arrangements will be made to pick up the card so that you are not without your card when you are far from home.
There is also the Fraud Guarantee. This is a benefit that prevents the cardholder from being responsible for fraudulent charges on the card. When a cardholder has exercised caution with their card to avoid the card details from being stolen, American Express will cancel the card so the thief cannot use it and will not hold the cardholder responsible. Unfortunately, there are times when cardholders can be very strict about how they protect their card details, but they can still be stolen. This can occur through skimming and other acts, such as computer hacking in order to steal financial details. The list can go on and on, but American Express ensures the cardholder does not have the added stress of having to pay for the charges.
In the end, this is another American Express credit product that is known to take care of its cardholders. With exclusive travel, shopping, dining, entertainment, and merchandise benefits, there is a little something for everyone. In other words, it is a card that caters to the differences between its cardholders by allowing each one to choose rewards that appeal to them.
- World Points Rewards in Canada
- Ways To Salvage Your Credit Card Rewards
- Alaska Airlines MasterCard Review
- Priority Club World MasterCard Review
- MBNA Canada Cards vs. Capital One Canada Cards
Credit Card FAQ
- Will Your Credit Score Improve If You Are An Authorized User On A Credit Card Account?
- Why Should I Sign the Back of my Credit Card?
- How Transferring Credit Card Balances Can Affect Your Credit Score?
- What is a Credit Card Default Interest Rate?
- Does Applying for a Credit Card Affect my Credit?
- More at: Credit Card FAQ
The " ChoicePlus Card From American Express Enhances Life Experiences" article is property of CreditCardsCo™ and is copyrighted. The article may not be published, rewritten, broadcast or redistributed without prior written permission.