When it comes to plastic cards, all potential holders have the opportunity to choose a payment system, and, as a rule, it stands between the two most popular systems: Visa and Mastercard or Mir, which is currently just beginning to gain its popularity. But in fact, the third largest, but not in importance, is the global payment system American Express, or AmEx for short. It owns 13% of all issued plastic cards in the world. In our country, a limited number of banks are engaged in issuing payment system cards, including Russian Standard and others. Despite the fact that the payment system is not so popular in our country, its cards have many advantages. However, let’s look in more detail at what the American Express card is, its advantages, where and how to apply for it, and where it is accepted.

A little history

To understand as much as possible what advantages a plastic card has, it is worth turning to the history of the formation of the American Express company. This finance company was organized back in 1850 in the United States of America; at that time, however, the company was engaged in the transportation of large cargo across the territory of the state. But the company quickly picked up growth rates and provided services all over the world, which provoked interest in the possibility of remote use Money

. Already in 1891, American Express issued the first traveler's checks. The financial company released its first plastic in 1958, the main the target audience

- these are travelers. For many years, commercial banks only dealt with the world's two payment systems, Visa and Mastercard, even though American Express was a strong competitor. But she worked more on the quality of services provided rather than on the number of clients. But, as it developed, it significantly expanded its range of clients, and today it ranks third after Visa and Mastercard. Interesting! At the initial stage of its development, the company served exclusively wealthy clients, which was associated with the high quality of the services provided, and according to legend, the first holder plastic cards

American Express was Elvis Presley.

Oddly enough, this is not the most famous payment system in Russia, so you can only get it in some Russian commercial banks. Currently, the payment system cooperates only with some Russian banks, namely:

• Russian standard;
• Uralsib bank;
• Raiffeisenbank.

Please note that information may become out of date as the list of American Express partners may be updated.

A few years earlier, the bank collaborated with Sberbank of Russia, but since 2014, the production of plastic from American Express has ceased. There's no getting around the fact that the cards offered so much Platinum status.

So today, if you want to get a plastic debit or credit card American Express, then you need to contact directly a branch of Russian Standard Bank, Uralsib Bank or Raiffeisenbank. Few people know, but in our country there is an American Express bank. It also issues payment system cards, however, its main office is located in Moscow and there are no other branches throughout Russia.

If you want to become the owner of an American Express plastic card, be sure to take into account the fact that servicing a classic plastic card will cost you 1,500 rubles per year, a gold card up to 6,000 rubles, a platinum card up to 15,000 rubles per year, because, as mentioned earlier, the product was originally designed for wealthy clients and travelers.

Prepaid card from Russian Standard Bank

Card with a credit limit

American credit cards also have a place in Russia. The only peculiarity is that lending services are provided not by the payment system itself, but by the bank that issues it. Therefore, if you are interested in a card with a credit limit, then you can contact, for example, Russian Standard Bank, which offers several products with a credit limit:

1. American Express platinum with a credit limit will cost the user 25,000 rubles for one year of use, annual interest on the credit limit 28.6, 34 and 39% per annum, grace period up to 55 days;
2. A classic American Express credit card in the amount of up to 299,000 rubles, with a grace period of 55 days and an interest rate of 21.9%, will cost the user 1,500 rubles for issue and annual maintenance;
3. Classic American Express credit card, for which the credit limit is determined individually, with a grace period of up to 55 days, interest rate from 19.9% ​​per year, its cost is 4,000 rubles per year.
4. Credit card from British Airways and American Express with a maximum amount of up to 1.5 million rubles, interest rate from 28.9% per year, with a grace period of up to 55 days, service price 10,000 rubles per year.

Benefits of the American Express Card

As you can see, the American Express credit card is quite expensive to service, so it is advisable to issue it only to those clients who often travel abroad and the reason for this is quite compelling, because the card has many advantages, first of all, it provides privileges for travelers. Let's consider a number of advantages:

1. You can pay by card anywhere in the world and receive discounts and bonuses from partners of the global payment system.
2. When paying for an air ticket with a card, the user automatically becomes a participant in the insurance system, and free of charge.
3. The card holder receives some privileges, for example, travel organizations handle ticket bookings and paperwork.
4. The payment system has many partners around the world, including cafes, restaurants, hotels, boutiques, where you can get a significant discount.

It is worth talking a little about the privilege for clients who travel frequently; first of all, they receive insurance for free. For example, if problems arise at airports due to the fault of the airlines, the insured person receives compensation from $500 to $1,500, and the total amount of compensation reaches 500 thousand dollars.

In addition, cardholders receive support from a specialized service that deals with ordering air tickets, booking hotels and cars, and obtaining visas.

Where can I pay by card? Perhaps a significant drawback of the payment system is that not all retail outlets in our country accept American Express cards for payment. It is quite simple to understand where American Express cards are accepted; retail outlets where plastic cards are accepted for payment paste the logos of the payment systems whose cards are accepted for payment.

If there is an American Express logo at a point of sale, that means you can pay for your purchases here.

Thus, cards from American Express are an expensive product that mainly benefits travelers, since the company initially specialized in transportation. In other cases, its registration will be impractical due to the high cost of service. Our portal is a convenient and modern instrument , allowing you to simplify various. If you need an American Express card in Russia, then on the website you will find all the up-to-date information about the conditions for its use and receipt.

American Express is a world-famous payment system that is especially popular among travelers. More recently, it has become possible to obtain a card in Russia in order to take advantage of its features.

In particular, when purchasing an air ticket or other transport services, the owner receives free insurance when leaving the country. Overall, traveling abroad becomes much easier as AmEx has many partners in the travel industry. So what will you have credit instrument, as well as assistance in paperwork, hotel reservations and other formalities.

Why you should get a credit card from AmEx

American Express offers its customers many advantages. Among them it is worth highlighting the following:

• fast service – ordering a product, service or booking a trip becomes easier;
• bonus programs - cardholders, when participating in promotions, enjoy discounts in cafeterias, hotels, car rentals, and receive bonuses for purchasing goods from partners;
• depending on the type of card, you can get an online loan, insurance, access to VIP airport lounges and other privileges;
• Commission-free cash withdrawals from ATMs abroad.

It is worth noting that ordering credit cards is recommended for business people and travelers. In Moscow or another Russian city, most of the advantages disappear, but the service fee remains.

Design features

We invite you to order a card on the bank’s website using our convenient portal. Just choose which terms of cooperation are important to you: the size of the limit, the availability of contactless secure payments, and so on. The system will automatically issue cards that suit you.

Then fill out the application and wait for a representative to contact you financial institution. For approval, your credit history, additional documents will be required.