It is one of the most coveted and famous credit cards in the world. Let’s see how to get it.
The use of the credit card is spreading more and more in all segments of the population. If before it was exclusive to rich and wealthy people, today, with the countless offers on the financial market, everyone can afford to have one.
A credit card differs from a debit card because its functioning is not based on the presence of money in the holder’s bank account and on the immediate debiting of the amounts used, but allows you to have a cash advance at any time, regardless of the real availability of resources on the owner’s account. The sum will be withdrawn in subsequent times, usually after a month.
One of the most famous cards on the market is the American Express Gold Card, which has become a real symbol of wealth. Having it is not always possible, given that certain requirements need to be met. The American Express Gold Card is also highly coveted for a whole series of discounts that revolve around purchases made with this device. Let’s see how to get an American Express Gold Card and how much money you need to request it.
American Express Gold Card: what it is and how it works
American Express is one of the oldest financial companies in the world, founded way back in 1850. For this reason, over the years it has become synonymous with guarantees. One of its most successful products is credit cards. American Express is now on the market with different products depending on the target audience. There is no doubt that the gold one is one of the most used credit cards in the world, full of exclusive advantages for its holders.
The peculiarity of the gold circuit lies in the fact that in addition to performing the traditional function of a credit card, it offers holders a series of advantages and discounts. From a practical point of view it is a balance card, in the sense that all expenses made during the month are paid in advance by American Express only to be debited the following month.
As mentioned, holders of such a card become part of a circuit where they are entitled to various discounts and concessions. Discounts can be obtained, for example, for travel to hotels, for plane tickets, for cinemas and theatres. There is also a tell points which allows you to accumulate 1 point for every 1 euro spent with a credit card.
Eventually the points can be spent on vouchers from the most famous brands and brands in the world such as Apple, Zara, Amazon, Ikea. There is also the possibility of using the points to deduct the amount from the balance, for every 1,000 points there is a 4 euro discount.
American Express Gold Card: costs and requirements
To get the American Express gold card you need to meet a series of requirements which are:
- be over 18 years old;
- be the holder of a current account;
- have a total gross income of more than 25,000 euros per year (this could change from country to country).
These are the requirements to be able to obtain the Gold Card. Doing it is really very simple and requires a few steps. Just go to the American Express website, enter your data and submit your card issue request. The company will analyze the data sent and within 7 days will give a positive or negative outcome. In the first case, the card will be issued and will arrive directly at the address indicated together with the pin. In the second case, the request will be rejected and no card will be issued.
Obviously the possession of a Gold Card with all the benefits of the case both in terms of credit and concessions, requires costs. For the first year of issue the fee is free, then starting from the second year it costs €14 per month.
Original article published on Money.it Italy 2022-11-17 17:57:14.
Original title: Carta oro American Express, costi e requisiti. Quanti soldi devi avere per richiederla?
