For the record, American Express wants consumers to take note of a few things and distance itself from the discussions of merchant charges and fees in Congress as of late. Subsequent to the talk of the CARD Act and Durbin Interchange Amendment, American Express wanted to set itself aside as a Company from other card associations. In a recent press release, the Company did just that, expressing it’s customer base typically bring to merchants higher spending than do Visa or MasterCard and can therefore charge a higher commission (interchange fee) on sales. As an American Express customer, your APR is traditionally less than that charged to a Visa or MasterCard cardholder. In addition, because it does not issue debit cards, it shouldn’t be grouped in with the other issuing associations nor face the scrutiny that follows. And for good reason.