Terms apply to American Express benefits ... Regardless, you should expect to need an excellent credit score (scores of 800 and above) to qualify for a black card. How much do you have to spend ...

It's potentially much easier to get ... but we're talking big bucks. Amex reportedly extends invitations to apply for the business card only if you've spent (and paid off) at least $450,000 ...

She's been writing about credit cards ... Pay with Points. Note, however, that the research required to maximize the value of your Amex Black rewards can take some time and effort. If you ...

However, Amex added a feature called Pay Over Time, which allows you to carry unpaid balances -- and pay interest on them. In that sense, it works much like a credit card. Cardholders are ...