Places that accept American Express?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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Tinabeij
 
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Places that accept American Express?

Postby Tinabeij » Sun Sep 29, 2013 12:02 am

Tell me, on average how likely is it that a place takes American Express for payment. Their cash back card looks like a good deal but I am scared it wont be accepted at many places.

I know fancy restaurants and hotels will but what about the average stores that regular people shop at. To me I get the impression that there cards are mostly for the rich and buying clothes and jewelry. Can you use it somewhere like Walmart or a diner or a gas station. What places accept American Express that are not fancy or for rich people.

Right now I have two credit cards from Shane Co and Key Bank Platinum Visa. I earn about 29 thousand per year. Would someone like me you think be able to get a card from them.


ivotedale
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Postby ivotedale » Sun Sep 29, 2013 12:17 am

What city are you located? It really depends.

For most major places such as Walmart, most gas stations, etc accept them. I live in Mesa/Phoenix area and 9 out of 10 times I don't have trouble w/ using an Amex. The most difficult places I struggle with are mom+pop small shack restaurants- they tend to like cash-only.

On the other side of the coin, when I was in NYC last year a lot of places (particularly small restaurants) didn't take Amex, much less Visa/Mastercard. Cash is king in that arena I suppose, which sucks because I lose out on getting points.

Honestly it just depends- some places favor Discover over Amex, some hate credit cards in general because of merchant fees. I tend not to spend money at those places strictly because they don't take Amex; I never carry cash w/ me most days and hate to lose out on points, which is a big reason I use credit cards in the first place. If you ask me, many places like that are losing out on clientele because of it- isn't there some data/research that show folks who own/use an Amex spend a certain % more per transaction than cash/Visa/Mastercard? I've never owned a business at that level to pay merchant fees, but some $$$ is better than none I would think, regardless of merchant fees.

I digress about merchant fees though- yes, many larger business like Target, Walmart, Chevron, etc take Amex. You won't have trouble there. Worst case, you get a backup Visa/Mastercard (which you should anyway in my opinion), w/ cashback options. My backup go-to is the Chase Freedom, and now Capital 1 Quicksilver @ 1.5% cashback.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF

whit
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Postby whit » Sun Sep 29, 2013 12:40 am

it's simple really, Costco only accepts American Express and cash/debit cards.

Neiman Marcus also accepts Amex

Amex may have good cashback but companies who use mc/visa--also have good cashback. Chase and Citi bank for instance.

I only had Amex because of places like Neiman that would accept only cash or Amex, as well as Costco.

If you like it for the branding, that's fine, I think you'll find it's not as accepted but it doesn't mean that only high end retailers accept it, if Costco, the bulk warehouse company, accepting it says anything.

I would think of places you go often and ask if they accept Amex before applying, provided you get accepted. 29k/year if its gross annual-- is not very good to be charging anything other then things you would need to pay anyways (cellphone bill) and the occasional dining out, clothes, expenses (which then i would recommend freedom or IT over amex)

And most likely (pure speculation) they would have a system that kind of works out the kinks--between your location and probable cost of living with consideration that you have to pay your mortgage/rent, monthly expenses you can't escape (insurance, phone bill, water bill, etc) as well as need to save, then what you'd have left over to spend (simpler put, what your spending should be percentage wise with what income you're making) and then place a credit limit for you (considering what you already have in your disposal already too)

And if that credit line isn't something they offer (depending on what CL the card you apply for starts with) along with other stuff (how long you've had your credit lines, utilization, etc)

You may or may not get approved

mdl28
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Postby mdl28 » Sun Sep 29, 2013 11:35 am

Its now becoming the reversed, there are more merchants that take amex than ones that do not. You will not have much of an issue. Amex is not for the rich. Its for the person who knows how to manage his credit and finances.
MDL

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flan
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Postby flan » Sun Sep 29, 2013 12:58 pm

mdl28 wrote:Its now becoming the reversed, there are more merchants that take amex than ones that do not. You will not have much of an issue. Amex is not for the rich. Its for the person who knows how to manage his credit and finances.


Something like 85% of places that take credit cards at all take amex. The places I shop that don't take amex are my gym, a couple small restaurants, and the grocery stores I usually shop at. (most of the big chains do, but lots smaller ones don't.)

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FastSRT8
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Postby FastSRT8 » Sun Sep 29, 2013 1:04 pm

For me its simple..... places that don't take Amex won't get my business. So having said that... all the places I need to and go to accept Amex. Therefore it's 100% acceptance.
Carpe diem quam minimum credula postero!

SuperKirby
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Postby SuperKirby » Sun Sep 29, 2013 1:05 pm

Mainly all big stores accept Amex. A lot of the small stores don't. Paying bills with CCs usually only accept Visa/MC.

ivotedale
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Postby ivotedale » Sun Sep 29, 2013 3:59 pm

FastSRT8 wrote:For me its simple..... places that don't take Amex won't get my business. So having said that... all the places I need to and go to accept Amex. Therefore it's 100% acceptance.


Love this attitude, forward-thinking for a top-performer if you ask me.

Amex or I'm GTFO
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF

SuperKirby
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Postby SuperKirby » Sun Sep 29, 2013 10:52 pm

ivotedale wrote:
Amex or I'm GTFO


Lmao......

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nismoZtuner
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Postby nismoZtuner » Mon Sep 30, 2013 12:38 pm

I would suggest to get the amex and use it where ever its accepted if not then have another cards kick in.

Thats what i do. I use my Amex card where ever its accepted and if not well then my marriott visa signature kicks in..
TU 752 (+4) - [5/9/2014] CK 726 - [11/24/14] EX 725 - [11/20/14] EQ 710
BankofAmerica Cash Rewards [2k] I American Express Blue Cash Everyday [3K] l Discover IT[2.5]
American Express Premier Rewards Gold [NPSL] I Marriott Rewards Premier [5k]
Chase Sapphire Preferred[7.3]
Inquires: TU(?) EX(?) EQ(?)
TCL-$19,800
Age-22



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