What are the advantages of having an American Express charge card versus a credit card?

@lucienne 

There are several advantages to having an American Express charge card compared to a credit card:

1. No pre-set spending limit: Unlike credit cards, American Express charge cards do not have a pre-set spending limit. This provides cardholders with more flexibility in making larger purchases or managing higher expenses.
2. No interest charges: Since charge cards require the full balance to be paid off every month, there are no interest charges or revolving debt. Cardholders must pay the full amount due by the due date, helping them avoid accumulating long-term debt.
3. Reputable customer service: American Express is known for its exceptional customer service. Charge cardholders can benefit from their prompt and efficient support, including 24/7 assistance, personalized offers, and access to premium customer service representatives.
4. Rewards and benefits: American Express charge cards often provide generous rewards and benefits programs. Cardholders can earn points, miles, or cashback on their purchases, as well as enjoy perks like airport lounge access, concierge services, travel credits, and exclusive merchant offers.
5. Global acceptance: American Express cards are widely accepted worldwide, making them convenient for international travel or business purposes.
6. No foreign transaction fees: Many American Express charge cards do not charge foreign transaction fees, making them a cost-effective option for international purchases.
7. Premium perks and services: American Express offers charge cards with premium features, such as the iconic American Express Centurion Card (also known as the Black Card), which provides exclusive benefits like personal concierge services, elite travel privileges, and access to luxury events.

It is important to note that while American Express charge cards offer these advantages, they also require responsible financial management to pay off the balance in full each month.