| 1. Luxury Traveler |
The Platinum Card®, Business Platinum Card® |
High spending on flights, fine hotels, premium dining, and luxury experiences. |
Airport lounge access, hotel elite status, comprehensive travel insurance, high-end customer service, prestige, and exclusive offers. |
| 2. Rewards Maximizer |
American Express® Gold Card, Rewards points credit cards |
Regular spending on groceries, dining, and other categories to maximize points. |
Maximizing points accrual, redeeming points for e-vouchers or travel, fee waivers based on spending. |
| 3. Business/Corporate User |
Corporate Green/Platinum Card, Business Gold/Platinum |
Business travel, office supplies, operational costs, and employee expenses. |
Expense management, control over employee spending, corporate travel benefits, and business-specific rewards. |
| 4. Value Seeker |
Entry-level cards with lower annual fees |
Focused on basic rewards and everyday spending. |
Access to the Amex ecosystem and benefits while managing costs and building credit history. |
| 5. Millennial/Gen Z Digital Native |
Entry-level cards (e.g., Amex Blue), Gold/Platinum cards |
Online purchases, e-commerce, digital creators, mobile app usage. |
Strong digital capabilities and mobile banking experience, targeted offers, incentives, long-term value. |
| 6. Niche/Co-Brand Cardholder |
Delta SkyMiles® Amex cards, Hotel co-branded cards |
Highly loyal to specific brands, spending within those ecosystems to earn specific miles/points. |
Free flights/hotel stays, free checked bags, priority boarding, elite status within a specific program. |
| 7. Cash Back Seeker |
Cash back credit cards |
Consistent spending across various categories like groceries and gas to get money back. |
Simplicity, practical financial benefits, statement credits over complex points programs. |
| 8. Ultra-High-Net-Worth Individual |
Centurion® Card (Invitation Only) |
Extremely high spending on luxury goods, exclusive events, high-end travel, and unique experiences. |
Exclusivity, 24/7 personalized concierge service, highest level of prestige, bespoke requests. |