Who are referred to as cardmembers in relation to American Express?

In the context of American Express, "cardmembers" specifically refers to consumers who hold and actively use American Express Cards. This term emphasizes the relationship between the cardholder and the American Express brand, acknowledging their status as valued members of the American Express community. Being a cardmember not only allows individuals to access the benefits and services associated with American Express, such as rewards programs, special promotions, and customer support, but also reflects their engagement with the company's offerings.

The other options do not accurately represent the term "cardmembers." Individuals who solely use debit cards do not relate to the American Express cardmembership since debit cards typically do not offer the same association with credit-based memberships. Businesses that accept American Express are known as merchants, not cardmembers, and they play a different role in the transaction ecosystem. Lastly, those who apply for credit cards from multiple issuers do not specifically pertain to American Express or its membership, as this could refer to a broader category of consumers seeking various credit products from different providers.