If you are looking for an American Express Centurion Bank American Express Zync credit card with a spending limit, then you are simply looking for the American Express Zync card, which is the only Zync offer available. What you might find is that for people with less than perfect credit, but without any recent injuries to their credit, American Express is offering Zync with a $500 initial credit limit.
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Some people feel that this card would make an excellent student credit card; however, it is important to note that American Express does not bill this card as a student credit card. What’s more, it is very likely that if you don’t have some established credit, then you will not qualify for this card at all.
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American Express Zync Card Overview
If you receive an offer for the $500 spending limit for this card, you can expect the limit to go up in about a year, if you pay off your balance each month in full.
American Express actually checks your credit every six months, however, they usually aren’t willing to raise your limit until you have a year of established payments.
In addition, AMEX checking your credit score can hurt you if you are having trouble paying some of your other debts. If your score starts to fall or if you miss payments on other cards, American Express is likely to cancel your account completely in an effort to prevent future problems with your account.
American Express Zync Rewards Program
The rewards program for this card is a pick your own type program. You pick the things that you spend your money on and then you will earn two points for each $1 that you spend as opposed to the one point you will get with all other purchases.
You will be charged a fee to add packs defining what you will spend your money on. They range in price from $0 to $20 a year, depending on the packs that you choose. You can add four packs to your credit card.
You can redeem your points for many different things with virtually no restrictions. You will also earn 10,000 bonus points when you make your first purchase on your credit card.
American Express Zync Verdict
This may be an okay card for you if you are interested in building credit without the temptation of carrying around a balance from month to month. Before you apply, you should check your credit report at AnnualCreditReport.com, so that you can ensure that you don’t have anything in your recent history that will prevent you from qualifying for this card.
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