This must be paid no matter how much you use the card

Return Protection - Guarantees American Express will refund up to $300 per item if a merchant won’t take back a covered item purchased with an American Express Card. If you know yourself well enough to know that the additional credit line will act as a siren's song and cause you to run up your balances, then accepting the increase is absolutely the wrong thing to do. Don't let that be the deciding factor that makes you choose the card. A very powerful one was the introduction of the balance transfer charge. Retail Merchant - A merchant that provides goods and/or services in the retail industry, but that is not a mail/phone merchant, a recurring services merchant or a T&E merchant.The best protection against getting sucked into the whirlpool of credit card debt is to reform your spending habits. The benefits of having one or more charity credit cards serve a two-fold purpose: you get to reap the benefits of the low APRs such cards have to offer and you also get to feel good about yourself for donating to important causes every time you use one or more of the charity credit cards. In reality, not all credit card offers are worthy of somebody’s risk. Bad credit can haunt a consumer. It's the Catch 22 of credit – it takes good credit to get new credit. There’s MasterCard. It's the Catch 22 of credit – it takes good credit to get new credit. All of these benefits are what is leading to the phenomenal growth in the popularity of credit cards, but this is also leading to a serious problem of debt. We have five cards and each one has different reward structures. Merchant Bank - Bank that has a merchant agreement with a merchant to accept acquire deposits generated by bankcard transactions.The MBNA-American Express partnership will likely be a great boost for American Express, but consumer watchdogs are hoping customers will reap something more than a Bongo University American Express card.