American Express® Credit Cards
For travelers and business professionals who like to enjoy good discounts and other special privileges when they travel, American Express® cards are an obvious choice. Listed below are credit card offers currently available from American Express®:
- Earn a $100 cash back bonus after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 12 months* | 17.24-22.24% Variable* |
17.24-22.24% Variable* |
- Earn 30,000 bonus miles toward Award Travel - when you spend $500 on the Card in the first three months from account opening
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
- Annual Fee: $0 introductory for the first year, then $95
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| N/A | N/A | 15.24%-19.24% Variable* |
- For a limited time: Earn 25,000 Membership Rewards® points by spending $5,000 in the first 3 months
- Up to $200 Airline Fee Credit to cover incidentals with the airline of your choice
- 20% Travel Bonus when redeeming with Membership Rewards® Pay with Points
- Annual Fee: $450
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| N/A | N/A | N/A |
- American Express(R) 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
- Annual Fee: $0
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| 0% for 6 months* | 15.24% Variable* | 15.24% Variable* |
- Earn 10K Membership Rewards(R) points, redeemable for select gift cards valued at $100, when you spend $1,000 in your first 3 months of Card membership
- Annual Fee: $125
- Credit Needed: Excellent
| Introductory APR | Balance Transfer | Regular APR |
| N/A | N/A | N/A |
* Read Terms & Conditions on any credit card offer before you apply.
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 do 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 one of their card offers that offers payment flexibility.
All types of American Express® Cards (personal, travel, and business) come with a very beneficial rewards program. See the American Express® membership website for further details about the rewards you can get.
