Why Gen Z is Obsessed With Amex

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American Express has 147 million cards. Visa has 4.48 billion. And yet AmEx made more revenue in 2024 than Visa and Mastercard combined.
That's not an accident. It's a completely different business model, one built on charging more per customer, not chasing more customers.
This video breaks down how it works: the spend-centric model, the merchant fee logic, the Platinum card's $8.4B in annual fees, and the Centurion card that costs $15,000 before you've bought a single thing.
Plus why 60% of new AmEx cardholders in 2024 were millennials and Gen Z, and what that tells you about where this company is going.

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