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This offer is no longer available on our site: American Express® Green Card
American Express doesn’t offer any true charge cards to consumers anymore — but if you’re looking for flexibility, you can still avoid preset spending limits with several Amex cards.
The American Express® Gold Card, American Express® Green Card and Platinum Card® from American Express all used to be described as “charge cards.” This meant that while the cards looked and acted like traditional credit cards in terms of making purchases and earning rewards, they typically needed to be paid off in full each billing period — you couldn’t carry a balance.
Amex has made some changes to its charge cards, though. Now these cards come with options to pay for purchases over a longer time period. The Pay It Plan It® and Pay Over Time features enable you to finance qualifying charges and pay them back over time, for a fee or with interest.
If you tend to spend a lot and usually don’t carry debt on your credit cards, these cards can still provide convenience and flexibility. Unlike traditional credit cards, they don’t come with hard and fast credit limits that you’ll know upfront — instead, the amount you can spend adjusts based on factors such as the purchase and your payment and credit history. Note that this doesn’t mean you’ll have no limit at all.
About the author: Kim Porter is a writer and editor who has written for AARP the Magazine, Credit Karma, Reviewed.com, U.S. News & World Report, and more. Her favorite topics include maximizing credit card rewards and budgeting. Wh… Read more.
