american express global business travel employee reviews

Suggested companies

American Express Global Business Travel   Reviews

In the Travel & Vacation category

Visit this website

Company activity See all

Write a review

Reviews 2.2.

Most relevant

A fraud. Useless. Worst customer support ever. The company charged me 80e by mistake for a trip to Barcelona that I've never booked/done. Support advised to reach out to an email address, 1 month and 4 emails later, they haven't even responded. The support representative is rude and doesn't want to help. The company doesn't have any other way to get contacted.

Date of experience : April 23, 2024

The service bad.

The service is horrible. I've waited on line for hours to get a "travel expert" to help me. Transferred 3 different times to new hold music. "Please hold, we need to transfer you to our Executive Service" and into the land of eternal hold I go. There are probably better corporate travel services out there, and I'll be looking.

Date of experience : January 17, 2024

How are they still in business?

How are they still in business? The amount of lost productive time I spend almost every time I book a trip is astounding. My corporation switched to using them several years ago and it's been a disaster. Last time I had to book an international trip it took me over 10 hours. TEN HOURS! Multiple internet sessions, LONG phone calls with undertrained agents, multiple emails. Looking to book another similar trip now and have already spent 20 minutes being unable to login to the website, not getting password reset emails, I am forced to use this service and it's simply infuriating. If you are able to get a competent agent on the line do whatever you can to try and get back in touch with them.

Date of experience : January 10, 2024

Why do we use AMEX GBT?

My company requires that we use AMEX GBT. Weather forced cancellation of my flight. I had to call AMEX GBT to get hotels cancelled - hopefully without penalty. Of course, I was on hold for 30 plus minutes and the agent could not help me. I called one hotel myself, and the desk said that they would cancel without fee. The other said that my reservation would have to be cancelled by the booking agent. I could be doing my job, but I instead am spending time being my own travel booking service agent. Why do we use AMEX GBT?

Date of experience : January 16, 2024

574% Upcharge to play middle man

I recently wanted to reschedule a return flight booked through AMEX Business Travel. I first called the airline who quoted a charge of $174.00. Without having the credit I was told I would have to work with AMEX to reschedule. While the hold time was not bad, I was quoted a total of $1000+ to make the change. I was flabbergasted, and when I asked how that was even remotely reasonable, I was promptly hung up on. No Thank You AMEX, I will be booking independently from now on, and hopefully our company will follow suit. It ought to be considered a crime.

Date of experience : January 25, 2024

Excellent customer service by Nicola

I contacted Amex GBT to make a rather complex flight booking for work as it involved multiple destinations. Nicola was very patient throughout the call and managed to get me the flights I wanted at a reasonable fare. We spent almost an hour on the call due to the complexity of the trip and Nicola was very patient throughout the call. Thank you for the great customer service.

Date of experience : August 25, 2023

Absolutely the worst company I have…

Absolutely the worst company I have worked for. Lack of training. Management is out for themselves only. You have to make those numbers! Pay is not enough with what you deal with day in and day out! Benefits very expensive . Working around schedules that are bidded every 3 mos. Same for pto. Don't plan on getting days off you want for the first few yrs. If you quit or you are laid off or let go they will not pay out vacation time. Lacks communication and the managers and TLS just sit in meetings all day in Zoom. Do absolutely nothing. Ask for help and you get reported to managers that u needed help and then you get talked to.. about it. Working on a high end dedicated financial investinment firm was rough. Angry clients and admins all day everyday calling and literally screaming at you. Only for managers to pin anything on you the agent. You are tracked all day long. Recorded all day long. Someone is always watching. Very stressful place to work. I put in my notice and got walked. No vacation payout on my 120 hrs. And no sick pay out either. Do not recommend this place.

Date of experience : October 31, 2023

American Express offers a lot of…

American Express offers a lot of services. But you have to jump through endless hoops and failures and mistakes to get even close to them. Amex costs me 1000's every year in failed bookings, wrong bookings, etc. The pain of always having to double check on them is an endless hassle. Stay away from AMEX to stay sane!

Date of experience : November 26, 2022

Worst most pathetic service experience EVER

Firstly, the flight credit value is jacked up so there's no value in purchasing that way. Secondly, Amex becomes the travel agent and any changes you want have to be done through them. Third, and here's the kicker, they suck at answering the phone, or chat, or email. I tried for 5 days for hours at a time from India. Nothing. In the end I had to book my own ticket home because I had to get back for a funeral. Now, the restrictions they have on the ticket lock me into a ticket that I can't refund, and need to use from India - and I paid for a flex ticket. I've been rooted royally and will be making a formal complaint with AFCA and and insurance claim. Steer clear, worst service on the planet. Worst experience. Lack of care, lack of willingness, lack of ability to carry out simple requests.

Date of experience : January 31, 2023

AMEX U.K sent me an email advising there is a problem with my flight booking ( correct Ref provided ) . In their email is highlited "do not reply to this email" and they do not provide any contact or email information . Okay, an on-line search to find phone numbers where they have truely buried these, but finally found . Two phone calls later , placed on-hold lasting more than 22 mins each and still no answer , even tried their Nethelands branch who did not know the U.K office number . So - issue not resolved and time wasted . All in all now over an 1.5 hrs of my day lost and not resolved . Here is a classic case of another large corporate company being more and more faceless with the same old message " we experiancing high volume ..... " which is really we dont have enough staff to care . So, you deciced , am I right to be frustrated with this same rhetric being dished out - do you want to be treated like this ....

Date of experience : October 19, 2022

An Administrative Vortex

Our comany recently switched to Amex for travel bookings but I have yet to have a pleasant experience with them. I will detail my latest saga with them as proof of their incompetence, and the frustration that they cause. I would like a hire car dropped off and picked up at my home address for a forthcoming business trip, a service that I've experienced for over 20 years with our old booking agent. Phonecall number 1 I spend 20+ mins a queue and eventually get a gentleman to whom I explain that I need a hire car to my home address for a trip, and I need his help because I can't book it on their website. He tries to book a hire car to be dropped off at the hotel I'm trying to drive to, and to be picked up from the hotel I want to drive away from. I explain to him again what I need, he sounds confused puts me on hold for a few more minutes before the line goes dead, I suspect he ended the call. Phonecall number 2-I spend 10+ mins in a queue waiting for someone to answer. This time it's a lady but she keeps dropping in and out, sounds like she's in traffic, a couple of minutes of me and her saying 'Hello, can you hear me?' results in me putting the phone down and starting again. Phonecall number 3-I spend a few more minutes in a queue before a gentleman picks up and I again explain what I need, it sounds like he's doing exactly what I did on the website that led me to call them. It also sounds like he hits the same problem I did and promises to try to find a solution, and call me back. To my surprise he did and solved the problem the others could not. Paulo, wherever you are, thank you for doing your job. A job that I could have done myself in 5 mins (I'm not allowed to because they apparently save us money) took over two hours of my time, persevering with the 'experts', to complete. Can I find a link or a number to call to pay Paulo a compliment and discuss the abysmal service of some of their employees, of course not!

Date of experience : April 18, 2023

Is this your company?

Claim your profile to access Trustpilot’s free business tools and connect with customers.

American Express Global Business Travel

• Business Intelligence
• App development
• Big Data Analytics

Is this your company? Claim Profile

Fully Remote

Total Employees: 18,000

Jobs At American Express Global Business Travel

• Select Offices
• Select Experience

GM, Leisure - Head of Partnerships & Partner Relations, Americas

Amex GBT is a place where colleagues find inspiration in travel as a force for good and - through their work - can make an impact on our industry. We're here to help our colleagues achieve success and offer an inclusive and collaborative culture where your voice is valued.

Ready to explore a career path? Start your journey.

Take your career to new heights with American Express Global Business Travel!

We're seeking a Gen

Senior Manager, Global Multinational Marketing

We're looking to add an established marketing professional to our Global Marketing team. If you're passio

Senior Engineer II

Software Development

• Advanced level ability in software development
• Function as mem

Is this your company? Upgrade your jobs.

Recommended Jobs

Working at american express global business travel, why work with us.

Amex GBT is a place where colleagues find inspiration in travel as a force for good and – through their work – can make an impact on our industry. We’re here to help our colleagues achieve success. Ready to explore a career path? Start your journey with us - apply now!

Employee Reviews at American Express Global Business Travel

“Before Amex GBT, I was working at one of the largest and most recognizable tech companies. I had no clue how my work directly impacted the end user a lot of the time. Here, I definitely have a lot more visibility to that. We have a collaborative and open mindset to get things done and do what it takes to deliver quality products to our users.”

Sr Manager, Software Development Engineering

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

American Express Business Platinum Review: Worth the Fee for Heavy Travelers

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If you travel often for business, the generous rewards and perks on this card could make the big fee seem like a bargain. Don't travel much? This isn't your card.

on American Express' website

Quick Facts

• Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Pros & Cons

Lounge membership

Transfer partners

Bonus categories

Automatic elite status

Premium travel protections

High annual fee

Complicated rewards

Requires good/excellent credit

Compare to Other Cards

Full review.

If you travel often for your business, The Business Platinum Card® from American Express is a stellar choice for making trips easier and more rewarding.

Used right, the card can make up for its steep $695 annual fee while providing generous rewards for travel spending and a suite of perks that road warriors will appreciate. It’s an ideal business credit card for those who spend — and expect — a lot.

Key features of The Business Platinum Card® from American Express

Card type: Small business .

Annual fee: $695 .

Welcome offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.

5 Membership Rewards points per dollar spent on flights and prepaid hotels booked through amextravel.com.

1.5 points per dollar on certain business categories (such as electronics and software) and eligible purchases of $5,000 or more for up to $2 million spent per calendar year.

1 point per dollar on all eligible purchases.

Terms apply.

Membership Rewards points are worth about 0.5 cents to 1 cent each depending on how you redeem them. Travel and gift card redemptions are generally the most valuable. Points are also transferable and can be worth even more if redeemed strategically after being transferred to other loyalty programs.

Aer Lingus (1:1 ratio).

AeroMexico (1:1.6 ratio).

Air Canada. (1:1 ratio).

Air France/KLM (1:1 ratio).

ANA (1:1 ratio).

Avianca (1:1 ratio).

British Airways (1:1 ratio).

Cathay Pacific (1:1 ratio)

Delta Air Lines (1:1 ratio).

Emirates (1:1 ratio).

Etihad Airways (1:1 ratio).

Hawaiian Airlines (1:1 ratio).

Iberia Plus (1:1 ratio).

JetBlue Airways (2.5:2 ratio).

Qantas (1:1 ratio).

Qatar Airways (1:1 ratio).

Singapore Airlines (1:1 ratio).

Virgin Atlantic Airways (1:1 ratio).

Choice Hotels (1:1 ratio).

Hilton Hotels & Resorts (1:2 ratio).

Marriott Hotels & Resorts (1:1 ratio).

For details on transfer ratios, see AmEx's website .

Interest rate: Purchases made with The Business Platinum Card® from American Express are classified as either "Pay Over Time" or "Pay In Full":

Pay Over Time: This is an optional feature that allows you to carry a balance from one month to the next, just like purchases on a regular credit card. If you have this option activated, purchases of $100 or more are automatically classified as Pay Over Time. The ongoing APR is 19.49%-28.49% Variable APR . Although The Business Platinum Card® from American Express does not have a preset spending limit, it does impose a limit on your Pay Over Time balance; any purchases above that limit become Pay In Full. Terms apply.

Pay In Full: These purchases must be paid off completely each month, so they do not incur interest. All purchases of less than $100 are Pay In Full, as are any purchases over your Pay Over Time balance limit. If you choose not to use Pay Over Time, then all purchases are Pay In Full. Terms apply.

Foreign transaction fees: None.

Airline fee credit. Up to $200 a year in credit for incidental fees on one airline, such as checked bag fees or in-flight refreshments or entertainment, but not airfare or seat upgrades. Each year, you select an airline to use this credit with.

Airline redemption bonus. When you redeem points for eligible flights through American Express Travel, get back 35% of those points. Eligible flights include all fare classes on your selected qualifying airline or first- or business-class fares on any airline.

Trusted traveler program application fee credit. When applying for the Global Entry or TSA Precheck programs, you'll receive a credit of $100 or $85, respectively, for the application fee when it's charged to the card. Cardholders are eligible every 4.5 years for Precheck or every four years for Global Entry.

Global Lounge Collection. Get access to more than 1,400 airport lounges worldwide, including the issuer's own Centurion Lounges, Delta Sky Clubs (when flying Delta) and Priority Pass lounges, among others.

Hotel status. Automatically qualify for Gold status in the Marriott Bonvoy and Hilton Honors programs, and reap upgrades elsewhere.

Purchasing perks. Purchase protection covers purchases against loss, theft or damage within 90 days. Return protection also lasts 90 days. Extended warranty protection adds up to one extra year to a manufacturer's warranty. Eligibility to earn points in the Neiman Marcus loyalty program, called InCircle.

$400 Dell statement credit: $200 in the first half the year and another $200 in the second half.

Travel protections. Trip cancellation and interruption insurance, trip delay insurance and baggage insurance.

Minor travel benefits: Potential perks for car rentals (Hertz, Avis, National), cruises, vacation packages and private-jet bookings.

Business tools: American Express Business App, Connect to QuickBooks, employee cards and ability to set employee spending limits .

Experience perks: Preferred seating, ticket presale opportunities, VIP experiences and access to exclusive restaurant reservations and customized experiences.

Why you'd want The Business Platinum Card® from American Express

Rich benefits.

The value of some business travel credit cards lies in the points earned for using it. But the value of The Business Platinum Card® from American Express is tightly tied to its benefits — almost like it’s a membership card that unlocks a wide range of perks to make your traveling life easier.

Some benefits mitigate direct costs, like up to $200 a year in statement credit for incidental fees on an airline you choose, as well as a fee credit for TSA Precheck or Global Entry . And many business owners can find something they need from Dell. The card provides up to $400 in statement credit — $200 in the first half of the year and another $200 in the second half — for purchases directly from Dell.

Other perks are harder to put a dollar figure on, but are clearly valuable — from automatic hotel elite status to travel protections to concierge service.

Lounge access

A welcome perk for road warriors, airport lounges can be a refuge from the loud, teeming gate areas and come with free refreshments. The Business Platinum Card® from American Express offers access to several types, including the highly respected American Express Centurion Lounges and the more ubiquitous Delta Sky Clubs when flying Delta. In addition, you get access to International American Express Lounges, Priority Pass lounges, and lounges in the Plaza Premium, Airspace and Escapes networks, when enrolled in each.

All told, that’s access to more than 1,400 lounges across 140 countries. AmEx claims that collection is the largest to be offered by a card, making The Business Platinum Card® from American Express tough to beat when it comes to business credit cards with airport lounge access .

Transferable points

Besides redeeming points for travel through American Express, you can also transfer them to some airline and loyalty programs , many on a 1-to-1 basis. This might provide more value per point. Airline and hotel partners include Delta, JetBlue, British Airways, Air France/KLM, Hilton, Choice and Marriott.

Other redemption options include merchandise, gift cards, Amazon.com purchases and more. But we recommend redeeming points toward travel to get the best value.

» MORE: AmEx Membership Rewards points: How to earn and use them

Potential for big bonus

A new-cardholder bonus offers an impressive haul of points — but earning the full bonus requires spending big bucks soon after receiving the card. Full details: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership. Terms Apply.

The Business Platinum Card® from American Express isn't designed for the low-spending entrepreneur. If you won't spend enough to earn the bonus but still want a travel-friendly business credit card, try a different option, such as the Bank of America® Business Advantage Travel Rewards World Mastercard® credit card . Here's what you can get by signing up for this card: Earn 30,000 online bonus points after you make at least $3,000 in net purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.

» MORE: American Express credit cards mobile app review

Why you might want a different card

Narrow bonus spending rewards.

Rewards are rich for travel spending via AmEx — and poor for everything else.

The good. Membership Rewards points are worth an average of 1 cent apiece , so the 5 points per dollar on flights and prepaid hotel stays booked through amextravel.com is equivalent to a 5% rewards rate, which is exceptional. Spend $11,900 a year on travel to break even on the annual fee, before factoring in card perks. What’s more, get 35% of your points back when redeeming them for flights with your selected airline through amextravel.com, meaning you could squeeze out an effective rate of 6.75% on travel spending.

The bad. If you won’t book a lot of travel through AmEx, this card loses its allure quickly. It’s simply a poor choice for racking up rewards for other types of spending, which earns just 1 point per dollar spent or 1.5 points on certain business categories or if the purchase is more than $5,000.

For non-AmEx travel, you'd be better off with a cash-back business card like the Capital One Spark Cash Plus . This card offers an unlimited 2% cash back on every purchase, and it comes with a good welcome bonus — but it's a charge card, so you can't carry a balance.

Dining rewards, in particular, are a weak spot for The Business Platinum Card® from American Express . Restaurant spending, which typically accompanies travel, earns just 1 point per dollar.

If you make full use of the perks offered by The Business Platinum Card® from American Express , the $695 annual fee is worth it.

Notably, fully using the annual $200 airline fee credit mitigates the fee substantially. And it helps that the annual fee is a deductible business expense .

Use the calculator below to get an idea of whether the card's rewards and most popular credits and benefits make up for your annual fee.

But if like many people you're dead-set against paying that much, consider the Ink Business Preferred® Credit Card . It earns 3 points per dollar on the first $150,000 spent on travel and select business categories each year, and 1 point per dollar on everything else. Points are worth 1.25 cents apiece when redeemed for travel through the Chase Ultimate Rewards® portal. It has a jumbo welcome bonus and a much lower annual fee.

If you still want some luxury in a business travel card, consider the less pricey Capital One Venture X Business . With an annual fee of $395 , it still has an annual travel credit and complimentary access to more than 1,300 airport lounges, plus the following rewards: Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights booked through Capital One Travel, where you'll get the best prices on thousands of options. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. (See rates and fees .)

To extract the most value from a high-end travel card, you need patience to learn the card’s perks, figure out bonus rewards and wrestle with redemption processes. If that sounds like too much hassle, consider the Capital One Spark Miles for Business .

The Capital One Spark Miles for Business earns 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards. The card offers a great sign-up bonus, too. (See rates and fees .) Learn more and apply .

Is The Business Platinum Card® from American Express right for you?

Light-traveling small-business folks who fly coach and pinch pennies will struggle to get their money's worth from this high-end card. After all, it is a luxury travel card. But that’s exactly why hard-core road warriors are likely to extract enough value from the card to make its hefty fee seem like a bargain.

To view rates and fees of The Business Platinum Card® from American Express , see this page . To view rates and fees of the American Express® Business Gold Card , see this page .

Find the best credit card

• The best credit cards of 2024
• Best travel credit cards
• Best rewards credit cards
• Best cash back credit cards

Methodology

You’ll need at least good credit to qualify for The Business Platinum Card® from American Express .

Generally speaking, “ good credit ” is defined as a score of at least 690. But a credit score alone isn’t enough to qualify for any credit card. Issuers take into account your income, existing debts and other information.

The annual fee is $695 .

Cardholders earn 5 Membership Rewards points per dollar spent on flights and prepaid hotels booked through amextravel.com; 1.5 points per dollar on certain business categories and eligible purchases of $5,000 or more (an extra half-point per dollar); and 1 point per dollar on all other eligible purchases. Terms apply.

The card comes with a broad array of benefits. Among the most valuable are access to more than 1,400 airport lounges worldwide, a $200 annual airline fee credit, an application fee credit for Global Entry ($100) or TSA Precheck ($85) programs; and elite status in the Marriott Bonvoy and Hilton Honors hotel loyalty programs.

The Amex Business Platinum is aimed at frequent travelers who want to go in style; Gold is a better choice for rewards on daily spending. See NerdWallet’s comparison .

Getting a business card might not be as hard as you think. You don’t need a formal business structure, like an LLC, partnership or corporation. Sole proprietorships count, too, including those who earn extra income freelancing, contracting or side hustling. Your personal credit factors into whether you will be approved.

The Business Platinum Card® from American Express offers access to several types of lounges, including American Express Centurion Lounges and the more ubiquitous Delta Sky Clubs when flying Delta. In addition, you get access to International American Express Lounges, Priority Pass lounges , and lounges in the Plaza Premium, Airspace and Escapes networks, when enrolled in those programs. All told, that’s access to well over 1,400 lounges worldwide. Terms apply.

It works like any other credit card for making business purchases, but to fully use its myriad of benefits and to optimize Membership Rewards points? Yes, there is a learning curve.

This card was originally introduced as a charge card, meaning your full balance was due every month. However, cardholders are now able to carry a balance on certain purchases using the American Express "Pay Over TIme" feature.

You’ll need at least good credit to qualify for

The Business Platinum Card® from American Express

Generally speaking, “

good credit

” is defined as a score of at least 690. But a credit score alone isn’t enough to qualify for any credit card. Issuers take into account your income, existing debts and other information.

The annual fee is

The card comes with a broad array of benefits. Among the most valuable are access to more than 1,400 airport lounges worldwide, a $200 annual airline fee credit, an application fee credit for Global Entry ($100) or TSA Precheck ($85) programs; and elite status in the

Marriott Bonvoy

Hilton Honors

hotel loyalty programs.

The Amex Business Platinum is aimed at frequent travelers who want to go in style; Gold is a better choice for rewards on daily spending. See

NerdWallet’s comparison

Getting a business card

might not be as hard as you think. You don’t need a formal business structure, like an LLC, partnership or corporation. Sole proprietorships count, too, including those who earn extra income freelancing, contracting or side hustling. Your personal credit factors into whether you will be approved.

offers access to several types of lounges, including

American Express Centurion Lounges

and the more ubiquitous

Delta Sky Clubs

when flying Delta. In addition, you get access to International American Express Lounges,

Priority Pass lounges

, and lounges in the Plaza Premium, Airspace and Escapes networks, when enrolled in those programs. All told, that’s access to well over 1,400 lounges worldwide. Terms apply.

This card was originally introduced as a charge card, meaning your full balance was due every month. However, cardholders are now able to carry a balance on certain purchases using the American Express

"Pay Over TIme"