The American Express Ameriprise Gold Card is a rewards based credit card that is brought to you by one of the leading names in the world of credit cards. There are many people these days that are keen to try and get the best deals on credit cards, and for some this means finding cards that offer a range of rewards. Over recent years, more and more people have become more interested in rewards based credit cards, which can provide an effective way of earning a little something back from your provider by way of a thank you for your custom and your loyalty as a cardholder.
There are many rewards based credit cards on the market that focus on specific rewards such as air miles, cash back, or discounts on specific types of purchases. However, with the American Express Ameriprise Gold Card you can benefit from access to a diverse array of rewards, as you can redeem the points you earn against a wide variety of different reward types. This means that many people will be able to benefit from using this card, as it caters for all sorts of tastes and preferences in terms of the rewards that are available. Some of the rewards that you will be able to redeem your points against with this credit card include retail rewards, travel rewards, dining, and entertainment amongst other things.
Who is the American Express Ameriprise Gold Card designed for?
Different types of rewards based credit cards are designed to cater for different people, and this is often based on the types of rewards that are offered with the card. For example, air miles credit cards cater for those who like to travel regularly. With the American Express Ameriprise Gold Card, a diverse range of people can be catered for because of the variety of different rewards that are available with the card.
Like other rewards based credit cards, this product is geared towards those who intend to use their cards on a regular basis, as the more you use your card for spending the more you will earn in terms of rewards points and bonuses. If, on the other hand, you do not intend to use your credit card much you will find that this may not be the most suitable option, as you will not earn adequate points due to lack of spending on the card.
It is also important to ensure that you are not paying interest for borrowing on the credit card, as the amount you pay in interest will be far more than the rewards that you can earn. If you are able to clear the balance in full each month and avoid paying interest this could be a great card for you. If, however, you spread your repayments and are hit with monthly interest charges, you may want to look at alternatives such as an interest free credit card.
Key features and benefits of the American Express Ameriprise Gold Card
It is important to ensure you look at the key benefits and features of any credit card you are considering applying for, which includes the American Express Ameriprise Gold Card. Some of the key features and benefits of this credit card include:
- Annual fee waiver: You will pay no annual fee for the first year as part of an introductory offer. After the first year you will pay an annual fee of $125.
- Bonus rewards: You can enjoy earning 2500 rewards points for every $10,000 you spend on the card, with a 20,000 bonus points award cap in any calendar year.
- Earn points for spending: You can earn points on your American Express Ameriprise Gold Card simply for using the card in the usual way. The more you use your card to make purchases the more points you can earn, which means that you can redeem them against a range of products and services more quickly.
- Access to a wide range of rewards: When you redeem your points you can select from a wide range of rewards, with something to suit all tastes and preferences. This includes retail rewards, travel rewards, dining, and entertainment amongst other things.
- Additional cardholder benefits: When you choose the American Express Ameriprise Gold Card, you will be able to benefit from a wide range of additional cardholder benefits. Some of the additional benefits you will be able to look forward to include access to a variety of retail benefits such as extended warranties and purchase protection, car rental and damage insurance when you use your card to reserve and pay for your rental vehicle, and roadside assistance, which is available seven days a week around the clock.
- Online account access: You can benefit from convenient online account access that will enable you to view and manage your account with ease and speed whenever you need to.
All of these valuable benefits make the American Express Ameriprise Gold Card a great choice for those who are looking for a widely accepted credit card that offers a host of perks and access to some excellent rewards and benefits.
Points to remember
If you decide that the American Express Ameriprise Gold Card could be the ideal credit card for your needs, there are a number of points that you should bear in mind. You should remember that this card is best suited to those who use it regularly or for the purchase of higher value goods, as this will enable you to earn points more quickly. You should also keep in mind that the card is best reserved for those who are able to clear the balance within the interest free period, as this will enable you to avoid the interest charges that could otherwise counteract the value of the rewards that you receive.