| Although American Express has forged a tie-up with | | | | card. Although you may not earn any reward miles for |
| the AIR MILES rewards program to come up with the | | | | transferring your balances to an American Express |
| American Express AIR MILES credit card, you will | | | | AIR MILES card, you will enjoy a lower monthly credit |
| continue getting the benefits provided to American | | | | card payment, which could translate into substantial |
| Express card members. | | | | savings. Paying only one credit card bill every month |
| You still get to enjoy the low interest rate of 3.99 | | | | saves you time. |
| percent on balance transfers and 16.99 percent on | | | | As is the case with other American Express credit |
| purchases and cash advances if you apply for the | | | | cards, the American Express AIR MILES credit card |
| American Express AIR MILES credit card. This | | | | allows you to access your account on the Web |
| balance transfer rate is applicable only for the first six | | | | anytime, anywhere. American Express guarantees a |
| months. You need to make your minimum monthly | | | | secure access, so you need not worry about |
| payments on time though, otherwise all introductory | | | | compromising your American Express AIR MILES |
| period features like the low rate will become void, and | | | | credit card account online. |
| the transferred balance will become like a normal | | | | Should you need supplementary an American Express |
| purchase transaction, which is subject to the applicable | | | | AIR MILES credit cards for any of your family |
| interest rate prevailing at the time. | | | | members who attain the age of majority, you can get |
| Remember that if you incur two separate missed | | | | these free of charge. These supplementary American |
| payments within the introductory period, you will be | | | | Express AIR MILES credit cards do not carry an |
| charged 19.99 percent, instead of 16.99 percent, for | | | | annual fee. Any rewards miles will still be credited into |
| purchases and fund advances. And, if you have at | | | | your account, thus, allowing you to accumulate more |
| least three separate missed payments or you haven't | | | | miles quickly. |
| paid on one missed payments for at least two | | | | Even if you are a busy person, you won't have any |
| consecutive billing periods, expect to be slapped with a | | | | difficulty in paying your American Express AIR MILES |
| 25.99 percent charge on purchases and funds | | | | credit card bills. Internet banking, pre-authorized |
| advances. You would not want to pay this much, so | | | | payment, and telephone banking are just some of the |
| you ensure that you make timely payments on your | | | | ways of paying your credit card bill. You also have the |
| American Express AIR MILES credit card. | | | | option to pay by sending a check through mail. You |
| With the American Express AIR MILES credit card, | | | | may choose to visit your local bank branch to pay in |
| you have an option to transfer a balance: You can | | | | person, or you can pay at various ATMs. Note, |
| transfer your other credit cards bearing high interest | | | | however, that Amex Bank of Canada will credit the |
| rates into your American Express AIR MILES credit | | | | payment to your account only upon actual receipt. |