American Express Personal Loan Review: Only Members Need Apply – This time, I will evaluate the Danamon American Express Gold card using the Card Evaluation System.
You should know that this card is not the same as the Danamon American Express Gold Business Credit Card and this card itself is a lower version of the Danamon Amex Platinum.
American Express Personal Loan Review: Only Members Need Apply
Please note that this card has the same points/miles earning account for both domestic and military spending.
American Express Business Gold Card Review: 4x The Rewards
You can earn 1 Marriott Bonvoy point for every transaction of 5,050 Rupiah or 1 Coffee Honors point for every transaction of 4,000 Rupiah.
In the form of 50% cashback up to 2.5 million Rupiah for all types of business within a period of 2 months from card approval.
Total Score: 5.53 / 10 “A top-tier credit card from Danamona that has a pretty attractive convertibility, an earning rate and a nice annual fee” Conclusion.
Unlike the Danamon American Express Platinum, Danamon Amex Gold cards tend to be easier to get and more pocket friendly in the sense that this card has.
Minimum Requirements For American Express Credit Cards 
In addition to this, the card issued by Bank Danamon with Amex is also the only card in Indonesia that has the option of exchanging Marriott Bonvoy or Hilton Honors points, so it is worth having.
I recommend you to have this card, especially if you have a priority account at Bank Danamon, because from 2020, you will have this card looking forward to having an account of IDR 500,000,000 at Bank Danamon.
Edwin Co-Fortor specializes in credit cards and hacks. He loves dining in Tokyo and playing poker in Las Vegas. #1 in Customer Satisfaction by J.D. Power.1 From debt consolidation to home improvement, apply online for American Express® personal loans, from $3,500 to $40,000, available to select Card Members.2
Compensation Example: An American Express personal loan of $10,000 for 36 months at 7.98% APR will have a monthly payment of $313.32 and a total cost of $11,279. Actual rates, interest and costs may vary. * American Express Personal Loans can be used to pay off or consolidate credit card balances issued only by eligible US. banks; they are unable to pay or pay the balance on an American Express-issued card. To learn more, see Terms and Conditions.
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Simply log into your American Express online account to see if you’re pre-approved for a personal loan, how much you can borrow and what the rate is.
Say how much you’d like to borrow, select the MONTHLY option, and enter some info about yourself. You will make a decision in seconds.
If you are approved, we will provide the loan funds after you review the terms and sign the personal loan agreement. Funds will be deposited directly into your account, usually within 3-5 business days.
And pays with fixed interest and monthly payments. With no origination fees or preparation penalties, you can save money for whatever you need.
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Use personal homework to improve your home, whether it’s expanding the kitchen or building a home office. With fixed monthly payments and convenient repayments, it’s a great help that can ease your mind.
Whether it’s a big screen TV, a new watch, or your dream vacation destination, or American Express
Life is full of expenses like moving expenses, adopting a new baby, or unexpected vet bills. An Express
American Express Personal Identification Cards are available to eligible Card Members. You can only apply if you accept an offer to apply and meet the eligibility requirements. You will be 18 years or older, a US citizen or resident in the US or its territories, and have an active American Express Consumer Card.
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Personal loans may not be used for secondary education expenses, real estate, business, securities, vehicle purchases (except as a vehicle payment), to pay off a balance on an American Express-issued Card or for any purpose prohibited by law or order. not otherwise permitted by the terms and conditions or your personal loan agreement.
The money will be deposited directly into your bank account. If you do not have an existing bank account on file with us, it will be prompt to merge and add a bank account number. If we are unable to verify your bank account for any reason, we will not be able to send any loan funds to you and your personal loan agreement will be null and void.
We will typically send your loan money to the bank account on file within 3-5 business days after you have signed your personal home loan agreement. It is important to know that your bank will take additional time to transfer the loan funds to your account(s). If you do not post any borrowed money to your bank within two weeks, please contact us or your bank.
Individuals are required to pay certain monthly payments. The amount of the monthly payment depends on the amount borrowed, the repayment period you choose, and the total interest owed on the personal loan (based on the interest rate that is applied).
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In your application, you can choose the repayment period from the options presented. Keep in mind that the longer period of repayment is LESS MONTHLY, but the total interest is greater than if you choose a shorter repayment period for the same money borrowed.
2You must be eligible to apply for a Basic Card Member personal loan. Your offer is based on your creditworthiness and other eligibility factors at the time you check for an offer. Offer availability subject to change. Not all Card Members will be eligible for the lowest DEC, highest loan amount, or repayment period. The APR may change depending on the repayment period chosen. You must submit an application to apply for a loan.
3 American Express Personal Loans can be used to pay off or consolidate credit card balances issued only by eligible US. banks; they cannot be used to pay or consolidate balances on American Express issued cards. Why we like this card: In addition to earning up to 4X points on eligible purchases, the American Express® Gold Card also comes with valuable perks and benefits that savvy cardholders can use to cut the annual fee.
The American Express® Gold Card is a premium credit card that’s popular because of its award-winning rewards in dining, grocery and travel. The Gold Card is targeted at frequent travelers and travelers, thanks to its rich rewards structure and flexible redemption options. Offers 4X Membership Rewards® points at restaurants worldwide, as well as the US. supermarkets (up to $25,000 per year, then 1X), 3x Membership Rewards ® points on flights booked directly with airlines or on amextravel.com, and 1X points on all other eligible purchases.
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One of the best-known features of the American Express Gold Card is the Dining Credit, which offers up to $120 in cash back on select restaurants and food delivery services annually, in monthly increments. Additionally, you can earn up to $10 per month in Uber Cash for Uber Eats orders or Uber in the U.S. rides when you add your Gold Card to your Uber account. These perks, along with no extraneous transaction fees, make the card appealing to travelers and food fanatics. The card also includes comprehensive travel and purchase protections, adding to its value.
New cardholders also have the opportunity to earn 60,000 Membership Rewards ® points after making 6,000 eligible purchases with your new Card within the first 6 months of Card Membership.
American Express offers several options for redeeming your rewards points earned with the Gold Card. The issuer notes that the value of the points varies depending on what you want to redeem. Typically, points can be redeemed for 0.5 cents to 1 cent per point. .
One of the best ways to get the most out of your membership points is by using them to book flights and hotels, or redeem for upgrades (if available) through Amex or directly with travel partners.
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American Express allows you to transfer membership points to various airline and hotel frequent flyer programs, including British Airways, Delta Skymiles, Hilton Honors, and more.
You can also use your points when checking out over 15 different online retailers. You can also redeem points through PayPal, which allows you to use your points as payment in millions of online stores around the world.
You also have the ability to redeem points for gift cards at several clubs, dining, air, and entertainment. These include Amazon, Hotels.com, Ticketmaster, and more.
Another way to redeem points is by requesting one or more eligible monthly credit charges on your Gold Card. You must have a minimum of 1,000 points to use this option.
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The Amex Gold card is designed for people who buy a lot in travel and food. If the rewards structure matches your spending habits, the Gold Card can be a great option that offers value far beyond its $250 annual fee.
There are many rewards cards on the market, many of which have similar benefits to the Golden Card. Therefore, before applying, first consider the comparables.