Disclosure: I received no compensation of any kind for this post. I just really love my American Express card, and I feel compelled to sing its praises when American Express does something that makes my life easier. That said, if you are interested in getting an American Express Blue Cash Card, I can get us both referral points if certain conditions are met. You’ll just need to contact me.
I know much of the Dave Ramsey set that I so often identify with won’t like this post. But I have to say it. I need a credit card. I don’t trust my debit card for paying for gas at the pump, and I prefer the extra protections of a credit card over a debit card. (I do want to note that I pay off this credit card every month. And my card has no annual fee.)
My American Express Blue Cash card became my preferred card about two years ago. I like it for several reasons:
- I receive a text and e-mail every time anything more than $10 is charged to my card. If someone started charging to my card, I’d know it almost immediately. I feel so much safer using it in public and particularly online because of these instant alerts.
- I receive an e-mail and a text when my spending hits a certain amount each month. I appreciate being reminded that I’m spending more than I should be.
- I can use the points I earn to pay off a few of my lesser charges each month. On occasion, I can use them to purchase gift cards for a 20% discount.
- I have received over $100 in statement credits for charging things I would have charged regardless: an $8 credit on Etsy on Black Friday last year, two separate $10 credits with AT&T Wireless, and a $10 credit at JoAnn, among other offers.
- My husband and I have separate cards with separate numbers that are attached to the same account. So on statements and online access, his charges are marked with his initials in bold. I like that. I can tell what he has charged and what I have charged with no research.
- The card has huge benefits from rental car coverage to roadside assistance to extended warranty protection.
These are quite a few good reasons to love this credit card. But today, I was reminded again of why I love my American Express card so much.
Last night, while paying my bill online, I discovered a pending charge to a store in Indiana. I haven’t been to Indiana since I was in high school, and my husband has never been there. I requested an e-mail update if and when the charge posted. I received the e-mail today that the quarter charge had posted–and a note that the monitored charge was made from Paypal. My husband and I both verified that our PayPal accounts had no such charge, and then I immediately filed a charge dispute online. The charge was reversed less than two minutes after I filed the dispute online. Yes, less than two minutes.
Nonetheless, I decided to call American Express to see if the card needed to be canceled because of fraud. I was warned of a lengthy wait because of the current hurricane situation, but I persisted and waited all of five minutes before talking to a representative who assured me the charge had been reversed and who also let me know that my account had been flagged to be monitored for any more charges and particularly any from that Paypal account. Given that I am currently in the path of a hurricane and might need my card for evacuation purposes, he insisted on not canceling my card at this time and promised that American Express would stay on top of the situation.
And this is why I love American Express. I don’t worry about being defrauded. I don’t worry about not knowing what is going on with my card. I like the benefits. And I like the ease of dealing with American Express both online and with a real person on the phone. In the past few years, I’ve had some disappointing experiences with customer service at various companies. Thankfully, I have not encountered any of those problems with American Express. Yet anyway. (I’m hoping never.)
Want an American Express card?
If you’re interested in getting an American Express card and want more information, send me a message. We’ll chat. 😉
What Do You Think?
Do you use credit cards for the benefits? Or do you prefer to stay away from them altogether? If you use them, do you have a preferred card? Let me know your thoughts by posting a comment!