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Evolution of the Original Card
The concept of using a card for purchases was first described in 1887 by author Edward Bellamy, in his utopian novel Looking hackward. Bellamy used the term ‘credit card’ eleven times in this novel.
The modern credit card was the successor of a variety of merchant credit programs. It was first used in the 1920s in the United States, specifically to sell fuel to a growing number of automobile owners. In 1938 several companies started to accept each other's cards. Some charge cards were printed on paper card stock, but could be easily counterfeited.
American Express, established in 1850 in New York, was among the first express delivery businesses during the rapid westward expansion of the United States. Adapting to the changing times they first offered money orders in 1882, followed by travelers cheques which American Express invented in 1891. The concept of customers paying different merchants using the same card was invented in 1950 by Ralph Schneider and Frank X. McNamara, founders of Diners Club, to consolidate multiple cards. Diners Club produced the first ‘general purpose’ charge card, and required the entire bill to be paid with each statement. In 1959 American Express introduced the first ever card made of plastic. Within 5 years, over a million cards were being used at about 85,000 establishments, both within and outside the U.S.
1958: Originally made of paper, the first American Express Card was purple.
1959: The introduction of the plastic card was an industry first.
1963: American Express printed “Member Since” on the Card to instill customer loyalty.
1966: The Executive Credit Card, now called the Gold Card, was launched.
1969: This card's redesign emphasized the centurion, a symbol of protection and security, and the color was changed to green.
1984. American Express launched the platinum card, and offered it - by invitation.
1995: The American Express Credit Card was introduced in international markets.
1995: American Express Credit Card was launched in UK.
1995: The Hilton Optima Card was the first co-branded card that American Express introduced.
1996: The Delta SkyMiles Credit Card became one of the largest Airline affinity cards in the United States.
1997: American Express Gold Credit Card was launched in UK.
1999: The Centurion Card provided a unique package of benefits that was unmatched by any other card provider in the world.