Is American Express credit card good honest review USA and India 2026
Amex Credit Card

Is American Express Credit Card Good? Honest USA & India Review 2026

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Yes — American Express is a genuinely good credit card, but only for the right person. In the USA, Amex excels at premium rewards, travel benefits, and customer service. In India, Amex is a strong mid-to-premium card option — but acceptance gaps and the RBI restriction history (now resolved) mean it suits urban, high-spending professionals more than general-use cardholders.

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American Express grace period interest free billing cycle explained 2026
Amex Credit Card

Is American Express Interest Free? Grace Period & Billing Cycle Explained (2026)

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American Express credit cards are interest-free — but only during the grace period (21–25 days after your statement date). Pay your complete statement balance by the due date every month, and you pay zero interest. Carry any balance forward, and interest of 15.99%–29.99% APR (USA) or 24%–42% p.a. (India) applies immediately.

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