What Is a Credit Card?

A Credit Card is a type of payment card that lets you borrow money up to a set limit to make purchases or withdraw cash, which you repay by a specified due date.

How Do Credit Cards Work?

When you use a Credit Card, you're borrowing money within a set credit limit, to pay for goods or services.

You can repay the full amount by the due date or pay part of it and carry the rest as a balance, which may incur interest.

What’s The Difference Between a Credit Card and a Charge Card?

A Credit Card lets you borrow up to a set limit and gives you the option to repay in full or carry a balance, with interest charged on unpaid amounts. A Charge Card typically has no preset spending limit and requires you to pay the full balance each month.

A ‘no preset limit’ doesn’t mean unlimited spending. You may need approval for large purchases, which is granted based on your spending patterns, income, and credit history.

How Can I Get a Credit Card?

To apply for a Credit Card, you must be at least 21 years old, have a valid residency visa, and meet the minimum income requirement.

You can apply online or at a branch with your ID, passport, and recent bank statements.

How Can I Apply for a Credit Card Online?

To apply online, visit the American Express website, select a Card, ensure you meet the eligibility criteria, such as income requirements, and complete the application form. You'll typically need to upload documents like your ID, passport, residency visa, proof of income, and recent bank statements.

Once submitted, your application will be reviewed, and if approved, your Card will be delivered within a few working days. 

You can also apply for an American Express Credit Card online using the Amex MENA App.