Retail Merchant - A merchant that provides goods and/or services in the retail industry, but that is not a mail/phone merchant, a recurring services merchant or a T&E merchant.

Card selection for amrican express credit card merchant services is maintained and reviewed by our panel editors.

Return Protection - Guarantees American Express will refund up to $300 per item if a merchant won’t take back a covered item purchased with an American Express Card.

Read our Universal Default article for more information.

Discover Card Services sought to create a new brand with its own merchant network.