AmEx Acceptance

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
randeman
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Postby randeman » Fri Jan 18, 2013 10:42 am

Terry wrote:I have not noticed signs about AMEX no longer accepted in this area. My policy is that if a merchant does not accept AMEX, they will not get my business. Some merchants think that not taking that card will save money, the reality is that they will actually loose business and therefore competitor shopping is practice many loyal AMEX customers follow.


I don't necessarily agree with this, although I see your point. How many people exclusively choose merchants based on the fact that they accept Amex? I suspect most people who carry Amex also carry at least one other Visa or MC, unless they need to use the Amex for business purposes, there isn't a reason to walk away from the cash register if the merchant doesn't accept Amex. Unless the customer is just determined to use his Amex.

Additionally, at least at one time, Amex charged the merchant a higher fee to accept their cards than did Visa or MC. I suspect by that posting, they still do.
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Reclusive46
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Postby Reclusive46 » Fri Jan 18, 2013 12:38 pm

randeman wrote:I don't necessarily agree with this, although I see your point. How many people exclusively choose merchants based on the fact that they accept Amex? I suspect most people who carry Amex also carry at least one other Visa or MC, unless they need to use the Amex for business purposes, there isn't a reason to walk away from the cash register if the merchant doesn't accept Amex. Unless the customer is just determined to use his Amex.

Additionally, at least at one time, Amex charged the merchant a higher fee to accept their cards than did Visa or MC. I suspect by that posting, they still do.


I think it depends, if there is something I'm going to be spending a lot on, I'll always find a Amex merchant that sells it for a similar price. I also agree that pretty much everyone atleast has another Visa or MC CC or atleast a debit card.
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Postby Robrus1 » Fri Jan 18, 2013 1:34 pm

This coffee shop is amazing. They have lots of exotic coffee, and participate in barista home style brewing competition type stuff, etc. I live in a small city of about 200K people, so it's either switch to Starbucks or continue to go to my favorite shop and use a Visa since they don't take Discover either. There's no way in hell I'm going to Starbucks. I sound like a coffee snob, so I guess I am.

Reclusive46, thanks for the info. Much appreciated.
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Postby Money card » Sat Jan 19, 2013 11:56 pm

to answer your question in my area actualy close to where I work theres an fancy italian restaurant they use to take American Express but what the waiter told me they charge a to high of a merchant fee so they got rid of American express January 2012.

my bagel shop,cold cuts ect. no longer takes American Express.

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Postby Troublemaker » Sun Jan 20, 2013 9:21 am

Some of the local shops here do not accept AMEX. When I asked them they said that AMEX charges 5% and the other 3 (V, MC, D) charge between 1.5% to 2%. Small stores cannot take that much of a cut in their business plus she mentioned that never did a customer walk away because they always had a V/MC or just plain cash.
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Postby Calipso » Sun Jan 20, 2013 6:16 pm

I have Visa, Mastercard, Amex and Discover. So I cover all bases.

However, if a business won't accept Amex and I want to use the card for cashback.....I just go to another business.

I had an issue like this occur during the small business saturday with Amex. Chinese restaurant who has been taking amex for years, says they accept amex on their menus and was advertised on small business Saturday.....well I ordered $70 worth of food from them. Go to pick up and pay with Amex. "We don't take american express anymore". Alright, fine by me. Left my $70 order there and walked out. Went to the business down the street and placed the same order with them and they had no issue with my card. I ordered $70 worth of a food and Amex credited me two days later $25 for small business Saturday.

To each their own. I love American Express and the customer service I receive.
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Reclusive46
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Postby Reclusive46 » Mon Jan 21, 2013 12:13 pm

Out of interest who has better acceptance generally in the US? Amex or Discover/Diners?
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Postby cashback » Mon Jan 21, 2013 12:16 pm

Reclusive46 wrote:Out of interest who has better acceptance generally in the US? Amex or Discover/Diners?


This is nothing concrete, but I'd say Discover.
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Postby Fartanywherecard » Mon Jan 21, 2013 12:24 pm

Reclusive46 wrote:Out of interest who has better acceptance generally in the US? Amex or Discover/Diners?


I'd say they are virtually equal, at least in NYC area. There are places that accept only MC and Visa (usually small cafes/delis) and then there are places that will accept almost anything you have, including Amex and Discover. There may be a few places that specifically do not accept Amex yet do accept Discover, but they are rare.

Just my observation.

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Postby DavidNY » Mon Jan 21, 2013 12:29 pm

Reclusive46 wrote:Out of interest who has better acceptance generally in the US? Amex or Discover/Diners?


Though some places take Visa/MC/Amex and not Discover, it's more likely that Visa/MC/Discover are taken and not Amex. It's best to have a Visa or MC.

About Diners Club cards (from https://en.wikipedia.org/wiki/Bank_card_number):

On November 8, 2004, MasterCard and Diners Club formed an alliance. Diners Club cards issued in Canada and the United States start with 54 or 55 and are treated as MasterCards worldwide. International cards use the 36 prefix and are treated as MasterCards in Canada and the United States, but are treated as Diners Club cards elsewhere. Diners Club International's web site makes no reference to old 38 prefix numbers, and they can be presumed reissued under the 55 or 36 IIN prefix. Effective October 16, 2009, Diners Club cards beginning with 30, 36, 38 or 39 have been processed by Discover Card.



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