The American Express Zync card by American Express Bank is a rewards credit card that you can design to fit your particular spending style and interests. This card works with what American Express calls “packs,” which will be explained a bit later in this article.
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This card is a card for people with good to excellent credit; it is not a bad credit credit card. In addition, you are required to pay the balance in full every month. After some time, you may qualify for revolving credit with this card if you maintain good credit and pay off your balance on time every month.
American Express Zync Card Overview
As mentioned above, this rewards credit card offers reward packs that suit your particular lifestyle. These packs allow you to earn double reward points if you spend money with a service that is included in your pack. The options for packs include:
- Beauty & Spa
- Family Travel
- Health & Fitness
- Personal Finance
- Vegas
- Connect
- Give Back
- Home
- Restaurant
- Eco
- Go
- Music
- Style
Some of the packs cost money annually. For example, the Beauty & Spa pack costs $5 a year, which is added to your $25 annual fee, making it $30. Other packs can be added free, such as the Personal Finance and Eco packs. You can add up to four packs to your account.
All purchases will earn your one point for every $1 that you spend on your card. You will earn two points for every $1 you spend on items included in your pack. Points do not expire and there is no cap on them. You can redeem your points for travel, money, gift cards, merchandise and more.
American Express Zinc Card Considerations
This card has to be paid off every month, it is important to consider your budge when you are spending money. In addition, there are a lot of fee associated with this card. According to Money Matters, this can prove to be your undoing if things get tight financially.
You can earn points fast with your card as in addition to double points in packs, you get 10,000 bonus points when you make your first purchase. The redemption program is very flexible as well.
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