If you're looking for a little online titillation, don't use your American Express card for the experience. The company doesn't allow its cardholders to purchase online pornography, even though it's federally legal, says Chao. According to the company spokeswoman, the policy has been in place since 2000.
The company found that the online adult-content industry has "an unacceptably high level of customer disputes," according to Chao. This raises administrative costs for American Express to deal with these disputes. The ban extends to American Express gift cards and prepaid cards as well, says Chao.
Visa declined to comment, while MasterCard and Discover did not respond to inquiries about their online pornography purchase policies.