American Express provides a variety of financial services, focusing mainly on credit and charge cards for both individuals and businesses. Their card offerings are designed to meet different spending habits and reward preferences, allowing users to choose options that best fit their needs. In addition to credit cards, American Express also offers gift cards, travel services, personal savings accounts, and insurance products. For businesses, they provide tools to manage cash flow and track employee expenses, including business credit cards, corporate programs, payment solutions, and business loans. American Express distinguishes itself from competitors by offering a comprehensive suite of services that not only includes payment solutions but also support for merchants. The company's goal is to facilitate financial transactions and enhance the overall experience for both consumers and businesses.