American Express® Credit Cards

American Express® Credit Cards

Consumers and business professionals who want to enjoy good discounts and other special privileges when they travel will enjoy American Express cards.

  • Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
  • 0% intro APR on purchases for 12 months, flexibility to pay over time
  • Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
  • No spend minimum, No enrollment, and No rotating rewards categories
  • Get a $25 Referral Bonus for each friend or family member who is approved for the Card
  • No annual fee, flexibility to pay over time
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 12 months* N/A 17.24% - 22.24% (V)* $0* Excellent
  • Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
  • Check your first bag free - for up to 8 people on your reservation - on every Delta flight
  • Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
  • Priority Boarding and 20% In-Flight Savings
  • No annual fee for Additional Cards
  • Save 3% to 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
N/A N/A 15.24% - 19.24% (V)* $0 for first year, then $95* Excellent
  • For a limited time: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months
  • Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in-flight refreshments, and change fees.*
  • 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
  • Take advantage of 40 premium benefits and rewards, including 24/7 concierge service and dedicated business consultants
  • Complimentary airport club access to 600 partner lounges, a $950/yr value
  • By Invitation Only: Receive exclusive access to events, ideal for entertaining clients or treating staff, worldwide that aren't available to the general public
  • No pre-set spending limit*
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
N/A N/A N/A $450* Excellent
  • American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
  • Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
  • Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for 6 months* N/A 15.24% Variable* $0* Excellent
  • Get 5% cash back on wireless services and office supply purchases*
  • Get 3% cash back on automobile gasoline*
  • Get 1% cash back on other purchases*
  • No limit to the amount of cash back you can earn
  • Cash back on purchases is automatically credited to your statement each month
  • Save 3% - 10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®*
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
0% for up to 12 months* N/A 12.24% - 19.24% (V)* $0* Excellent
  • Exclusive access to Gold Card Events - select concerts, shows, major sporting events, and more.
  • Purchase Protection* can protect eligible items for up to 90 days from the date of purchase if stolen or accidentally damaged. *Underwritten by AMEX Assurance Company
  • Redeem Membership RewardsŪ points for an exclusive array of travel, shopping, dining and entertainment rewards.
  • Get a decision in as little as 60 seconds.
Intro Purchases Intro Transfers Regular APR Annual Fee Credit Required
N/A N/A N/A $0 for first year, then $125* Excellent
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* For complete information on pricing and fees, please read the full credit card terms & conditions.

Disclaimer: This content is not provided or commissioned by American Express. Opinions expressed here are author's alone, not those of American Express, and have not been reviewed, approved or otherwise endorsed by American Express. This site may be compensated through American Express Affiliate Program.


Two Distinct Types Of American Express Cards

Before you apply for an American Express credit card, you should know that some of them function differently than others. With the traditional American Express card, there is no pre-set spending limit, and you are required to pay your balance every month. There is a rather large annual fee associated with these cards, but they also come with an exceptional list of benefits. These "no limit" cards are the type of American Express credit cards that the company is typically identified with.

However, in recent years, American Express has begun issuing a host of credit cards with payment flexibility options that function in the same manner as Visa, MasterCard, and Discover. With these cards, you can carry a balance from month to month, and you will be charged interest on that balance. These cards may or may not have an annual fee, but if they do, it will be much less than you will find on a traditional American Express card. Their credit card offers with payment flexibility do have many benefits, but in most cases these will be focused around the specific card offer, such as air miles, cash back or gas discounts.

So decide which type of card fits your needs before you apply. If you want a card with great benefits that has no limit, and you don't ever plan on carrying a balance, then go with a traditional American Express card. However, if you intend to carry a balance from month to month, but you still want the benefits, rewards, and good customer service that American Express is known for, then pick a card that offers payment flexibility.

Both types of American Express Cards come with a rewards program. See the American Express membership website for further details about the rewards you can get.

Updated - Tueday, July 7th, 2014
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