If you’re one of the many people who covet a card with the classic American Express name and logo on it, here are a few things you should know before applying for your first Amex card.

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These cards offer excellent travel benefits. For example, a WalletHub study found that American Express cards provided some of the best rental car insurance benefits**, second only to Chase cards.

American Express shares fell Friday after the financial services firm reported fourth-quarter results mostly in line with analysts' expectations.