How to Obtain an American Express Credit Card in Nigeria

Getting an American Express Credit Card in Nigeria is a great way to manage your finances and enjoy various benefits. This card allows you to make purchases, both online and offline and comes with perks like rewards and exclusive offers.

Many Nigerians know about debit cards. These cards let you spend only the money you have in your bank account. But with credit cards, you can spend more than you have, and later, you pay a little extra money as interest at the end of the month to cover your spending.

In this guide, we’ll walk you through the simple steps to secure your own American Express Credit Card, making it easier for you to access financial opportunities and enhance your shopping experience.

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American Express Credit Card Key Benefits

American Express Credit Card is a financial tool designed to elevate your spending experience. Packed with a range of exclusive benefits, this card offers much more than just a convenient payment method. From the globally recognized Membership Rewards Program to extensive travel protection and exclusive lounge access, the American Express Credit Card ensures that every transaction comes with added value and peace of mind.

Explore the world of possibilities and enjoy a new level of financial flexibility with this prestigious card.

Membership Rewards® Program: Earn Membership Rewards® points with every purchase using your American Express Credit Card. These points are versatile and can be redeemed for a diverse range of rewards, including travel bookings, merchandise, gift cards, and more. The more you use your card, the more rewards you accumulate.

Global Acceptance: Your American Express Credit Card is widely accepted worldwide, providing you with financial convenience wherever your journey takes you. From local transactions to international purchases, you can trust that your card will be recognized and welcomed at a multitude of merchants and establishments.

Travel Protection: Travel with confidence knowing that your American Express Credit Card offers robust travel protection benefits. These may include travel accident insurance, coverage for lost or delayed baggage, and assistance with emergency travel arrangements. Whether you’re on a business trip or a vacation, your card provides an added layer of security and support.

Exclusive Lounge Access: Access to airport lounges is made seamless through programs like Priority PassTM. Enjoy a premium and relaxing environment before your flights, complete with amenities such as comfortable seating, complimentary refreshments, and Wi-Fi. This exclusive benefit enhances your overall travel experience.

Contactless Payments: Embrace the convenience of contactless payments with your American Express Credit Card. Simply tap your card at compatible terminals for secure and expedited transactions. This modern feature adds a layer of efficiency to your day-to-day purchases, making transactions smoother and more accessible.

Let’s Explore the Full Power of the Access Bank American Express Gold Card

Satisfy your love for life with this special credit card

This card makes things easy for you – when you buy things from local shops, you’ll be charged in naira. But when you shop with international merchants, you’ll be billed in USD. And that’s not all! You also get a Priority PassTM membership that lets you relax in airport lounges for free twice a year.

Plus, every time you use your card, you earn Membership Rewards® points. These points can be used for cool stuff like flights, hotel stays, the latest gadgets, gift vouchers, and more.

But wait, there’s more good news! Your Gold Card has your back with coverage for emergency medical expenses abroad, travel accident insurance, and help if your luggage gets lost or if your flight is delayed. It’s like having a reliable friend with you wherever you go!

Using Your Card Everywhere

Your Access Bank American Express Gold Card has a cool feature called dual-currency functionality. This means when you buy things from local shops, you’ll be charged in naira. But if you shop with international merchants, you’ll be billed in USD.

Airport Lounge Perks: With your Access Bank American Express Gold Card, you get a special treat – a free membership in Priority PassTM. This lets you chill out before your flight in one of over 1,200 Priority Pass lounges worldwide. You also get two free visits to these lounges every year.
Ride in Style with SIXT: Want a stylish ride? Your Access Bank American Express Gold Card comes with a complimentary SIXT rent-a-car benefit. This means you get special perks, discounts, and upgrades when you join the SIXT rent-a-car loyalty program. The Gold Card even gives you access to SIXT Gold Status.
Special Perks with Hertz: As an American Express Cardmember, you get special treatment with Hertz. Enjoy priority service at the counter and additional benefits like a 10% discount on standard rates, a car-class upgrade on longer rentals, and a free extra driver for your spouse or civil partner.
Avis Benefits: Renting with Avis? As an American Express Cardmember, you’re in for a treat. Get up to a 15% discount on standard rates and an upgrade voucher.
Hole19 Golf Access: Love golf? Your Access Bank American Express® Gold Card gives you a year of free access to Hole19’s premium features. Use accurate GPS distances to make better decisions on the golf course.
Exclusive Offers Everywhere: Unlock special offers from American Express partners, including Booking.com and RED BY DUFRY.
Early Access to Events: Get a head start! With your American Express Card, you can snag tickets to concerts, festivals, theatre shows, sports events, and more before everyone else. Enjoy presale access all year round.
AMEXFORFOODIES Dining Discounts: Calling all foodies! Enjoy up to 20% off your bill or a free appetizer at participating restaurants when you dine in or take out.

Remember, terms and conditions apply to all these awesome features and benefits. For the full details, check out the Access Bank American Express Rewards and Benefits website. This card is issued by Access Bank plc under license from American Express.

Membership Rewards

This is how the company shows its appreciation every time you use your Card, and they do that through Membership Rewards.

Here’s how it works

For every purchase you make using your Access Bank American Express Gold Card, you earn Membership Rewards points. These points can be transformed into various rewards like flights, hotel stays, the latest gadgets, gift vouchers for your favorite restaurants, and more.

See your Membership Rewards points grow with each swipe. When you use your card at overseas merchants, you earn 1 point for every 2 USD spent. For purchases with merchants in Nigeria, you get 1 point for every 10,000 naira spent. The best part? Your points don’t have an expiration date, so you can save them up and redeem them whenever you want.

Remember, terms and conditions apply to all these fantastic features and benefits. For the complete details, check out the Access Bank American Express Rewards and Benefits website. This card is issued by Access Bank plc under a license from American Express.

Always There When You Need It

Count on your Gold Card to have your back when things don’t go as planned.

Your Gold Card provides coverage for emergency medical expenses abroad, ensuring you have the support you need when facing unexpected health issues while traveling. It also includes travel accident insurance, offering additional protection during your journeys. In case your luggage is lost or your flight gets delayed, the Gold Card provides compensation to ease the inconvenience.

Keep in mind that there are policy limits and specific terms and conditions for all these features and benefits. For a thorough understanding of the details, please visit the Access Bank American Express Rewards and Benefits website. Remember, this Card is issued by Access Bank plc under a license from

American Express Card Vs. Access Bank American Express Gold Card American Express.

Platinum Card (Features and Benefits)	Access Bank American Express Gold Card (Features and Benefits
Metal credit card with dual-currency functionality (USD and naira)	Credit card with dual-currency functionality (USD and naira)
Access to more than 1,400 airport lounges through the American Express Global Lounge Collection	Priority Pass^TM membership, with two complimentary airport lounge visits per year
Hotel perks and room upgrades through The Hotel Collection and Fine Hotels + Resorts	Earn Membership Rewards^® points when you use your Card
Special status access in the Hilton Honors, Radisson Rewards, and Marriott Bonvoy^TM rewards programmes	Special status access in the Hilton Honors, Radisson Rewards, and Marriott Bonvoy^TM rewards programs
Experience the luxury of a 24/7 travel and lifestyle concierge service that goes beyond the ordinary. With this exceptional offering, you’re not just getting assistance; you’re gaining a dedicated support system that caters to your needs around the clock
Annual Service Fee: $250	Annual Service Fee: $75
Issuance / Replacement / Renewal Fee: $500	Issuance / Replacement / Renewal Fee: $3
Rewards Programme: Membership Rewards	Rewards Programme: Membership Rewards

Source: AmericanExpress

How to Apply for the Access Bank American Express Credit Card

If you’re interested in getting the Access Bank American Express Gold Card, follow these steps:

Visit a Nearby Access Bank Branch: Head to the nearest Access Bank branch, where the friendly staff will guide you through the application process.
Contact Your Account Officer: Reach out to your dedicated Account Officer for personalized assistance in acquiring your American Express Credit Card.
Send an Email: You can express your interest by sending an email to premiumcard@accessbankplc.com. Include your inquiries or requests for the application process, and the bank’s team will respond promptly.
Online Registration: Alternatively, streamline the application process by registering your interest online. Complete the form available on the official Access Bank website to kickstart your application.

To be eligible for an Access Bank American Express credit card, you should:

Be a resident of Nigeria
Hold a valid bank account with Access Bank
Demonstrate a good credit history

Once your application is approved, there is an annual fee associated with the card:

₦‎5,000 per year for the Access Bank American Express Gold Card.
₦‎10,000 per year for the metal Platinum Card.

Remember, fees and eligibility criteria are subject to change, so it’s advisable to check the latest details on the Access Bank website or consult with bank representatives for the most accurate information.

FAQs

How Do I Get an American Express Card?

Submit an Application: The quickest method to complete an American Express application is through the online platform. You’ll be required to furnish details such as your name, address, date of birth, annual income, and either your Social Security number or Individual Taxpayer Identification Number.

Can I Get a Credit Card from Access Bank?

Access Bank provides a variety of card products for both individual and corporate customers, available under major card schemes such as Visa, MasterCard, and Verve.

What is the Minimum Credit Limit for American Express?

A credit card comes with a specified maximum amount you can spend, known as the “credit limit.” At American Express, the minimum credit limit is set at $1,000. Typically, based on your financial history and creditworthiness, you might be granted a limit of $10,000. However, it’s not uncommon for individuals to be assigned even higher limits, ranging from $20,000 to $30,000 or more.

What is the Disadvantage of American Express Card?

A drawback of AmEx cards is that they impose charges on both the seller and the buyer for processing a transaction. Unlike relying on financial companies like Rupay, Mastercard, or Visa, AmEx has its payment network, leading to additional fees on transactions.

Which Dollar Card is the Best in Nigeria?

Bitnob is crafted to make online transactions, shopping, and payments seamless, both locally and internationally. Additionally, it offers the convenience of covering monthly subscriptions for popular streaming services such as YouTube, Netflix, Prime Videos, and more.

What are the Access Bank Amex Credit Card Eligibility Criteria?

To be eligible for the Access Bank American Express credit card, customers need to have an annual turnover of ₦10 million in their account. This means they should engage in transactions, both spending and receiving, amounting to a minimum of ₦10 million annually in their account.

What’s the Access Bank Amex Card Issuance Fee?”

The Access Bank American Express credit card entails an issuance fee of $3 and once acquired, it remains valid for three years. This means that the initial cost of obtaining the card is $3, and it provides cardholders with the privilege of enjoying the card’s features and benefits for three years from the date of issuance.

This issuance fee represents a one-time payment required during the acquisition process, ensuring that cardholders have access to the advantages offered by the Access Bank American Express credit card for an extended period.

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