American Express Student Credit Card | Gold Card Benefits
In most developed nations today Students are the most handicapped when it comes to access to financial independence. Hence the brain behind this Credit Card, this credit facility offers one of the best incentives to student especially as American Express doesn’t specifically have a student credit cards generally that will cover for every student needs.
The American Express student credit card just like any other credit card out there requires that you apply for it and then wait for your application to be approved before you can make use of it. The thing is that a lot of students out there do not have access to affordable credit card, however, every student requires some sort student credit card to finance their academic project.
The American Express student credit card offers students an easy way of paying out your bills as a student, it offers the student an option of making purchases at retailers, this is to increase the students level of savings. This American Express Secured Credit Card is affordable as the fees as well as the rates attached to it are considerably low.
Rewards On American Express Student Credit Card
For those with interest in applying for this credit card, below are the benefits as well as the rewards that accrue to all the card holders, the benefits are similar to that of the American express gold card benefits; see below,
- Card holders get to receive a statement credit of $150 once you make purchases worth $1,000 within the first three month you became a card holder.
- Card holders have the option of getting a 3% cash back from any super mart in the United State, in essence when you make purchases worth $6,000 a year, you receive a 1% fee.
- Card holders can still receive a total of 2% cash back when you purchase gas from any U.S. gas stations
- You can also receive 1% cash back when purchases are made at any of the designated department stores in united state of America
- American Express student credit card Reward Dollars are redeemed through some few steps.
American Express Student Credit Card Rates, Fees And Charges
Before applying for this student credit card, you must understand that the American express APR credit card charges are applicable to every card owner, including the students, here are the rates, fees as well as the charges;
- Student American express credit card charges zero fund annually
- The annual percentage rate on all the Purchase Intro ranges from – 0% which covers for approximately 15 months
- There are no fee charged for maximum over limit
- The balance transfer fee for every card holder is placed at 3%, in essence a minimum of $5
- Meanwhile the Transfer Introductory Annual Percentage is pegged at 0% which for a period of 15 months
- 99% to 24.99% is the Regular APR
Other Blue Cash Everyday Credit Card Rates, Charges And Fees
Some other additional information as it concerns this credit card charges, fees as well as rates are as follows;
- The Cash advance fee is pegged at 3, in essence a minimum of $5
- There are no fee charged for online calls and reponses
- The MLF is considerably pegged at $38
- The fee for Maximum Over limit is None
- While the Maximum Penalty Annual Percentage Rate is pegged at 29.99%
- Card holders has a space of 25 days which is regarded as the Grace Period
- The Cash Advance Rate charge is 26.24% (min)
- Every Foreign Transaction attracts a Fee paid in rates which is 2.7%
- The introductory Annual Percentage Rate is at the rate of 0% which approximately covers for 15 months, this is recorded on every of the purchase as well as all the balance transfers, on the variable rate ranging between 13.99% and 24.99%
- All the rates, fee as well as charges are applicable at any of the centers where American Express student credit card is accepted. Note that only last year, this credit card was used to transact in over s million centers where it is accepted in the United State of America.
American Express Student Credit Card Application Procedure
This Blue cash American Express credit card works perfectly well for student financing, now you can easily follow these steps so as to successfully apply for this credit card;
- Go to the American Express student credit card website
- Navigate to the section where you have “Get Started”.. Quickly click on it.
- Select the Blue Cash credit card
- Now click on the “Apply Now” link you find there
- An application form will load
- You will then required to fill your data information; below are the required information; Name, social security number (SSN), Email, Home and mailing address, your mortgage status, your annual income.
The approval period last a little longer than one minute, however, for a quick and easy application and approval make use of AmEx’s online through the View My Offers” tool, using this tool will enlighten you on your eligibility.
American Express Credit Card Application Status
Applicants can actually check their application status in order to ensure that their application is actually being processed. The American Express credit card Loan applications status can actually be verified on request by the applicant.
There are also other instances where you can actually use the option of requesting to know your application status, in a situation where you apply for a line of credit increase or you want to know you balance transfer on your American Express card account online, these are instances where you can request for your status.
Now the process of requesting for your application status can be done as follows;
- Ensure that your credit card numbers are on hand as it is the requirement regarding status requests.
- Other information to be made available as a request access to your application details is the your nine digit Social Security Number (valid one) and your five didgit home zip code
- Enter both code into the appropriate boxes
- Now click on “Check Application” link below to complete the process.
Note – Information submitted on the American Express student credit card website secured as all the information are encrypted. This was designed to help protect you and your privacy.
American Express Credit Card Customer Service Number
Both old and new card holders have the luxury of speaking with an agent at The American Express Customer Care center, and the good thing about it is that the call services is a 24×7 Toll Free service, for information and enquiry call this Number which is Toll Free 1-800-419-2122.