What term is used for consumers who hold American Express cards?

The term "Cardmember" is used to refer to consumers who hold American Express cards. This designation stems from American Express's branding and the way they position their relationship with their customers. It signifies that the individual is not just a user of the card, but also a member of a select group that enjoys the specific benefits and privileges associated with American Express.

In contrast to other terms, "Cardmember" emphasizes a more personal and exclusive relationship with the brand, implying that cardholders are part of a community or network that benefits from enhanced customer service, unique rewards programs, and other membership perks. Other options may refer to different concepts within the payment card ecosystem, such as the role of the card issuing bank, the processing of transactions without physical cards, or distinctions based on financial transactions. However, they do not capture the specific identity associated with American Express cardholders, making "Cardmember" the most accurate term in this context.