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American Express® Green Card
American Express® Green Card
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The American Express® Green Card is a solid rewards card for those who frequently travel or dine out. The card earns triple points for every dollar spent on many travel and transit expenses (such as flights, hotels, taxis, rideshares, and more) as well as on restaurant purchases. For every other dollar spent, the Green Card earns a single point. Points are applicable to a wide array of redemptions, including travel, purchases with major retailers, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 40,000 Membership Rewards® points after you spend $3,000 on purchases on your new Card in your first 3 months.
- Earn 3X Membership Rewards® Points on Restaurants worldwide, including takeout and delivery.
- Earn 3X Membership Rewards® points on all eligible travel, from subway swipes and window seats to hotel stays and city tours.
- Earn up to $189 in annual statement credits to help you get through security faster with CLEAR®.
- Earn up to $100 in annual statement credits to access 750+ airport lounges globally through LoungeBuddy.
- No Foreign Transaction Fees.
- $150 Annual Fee.
- Terms Apply.
- Regular Purchase APR: See Pay Over Time APR
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $150
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn triple points on flights, hotels, taxis, mass transit, tours, rideshares, and more
- You also want to earn triple points when dining out along with takeout and delivery, as well as single points on all other purchases
- You travel often, and can make best use of $100 in statement credits for both lounge access and CLEAR security fast-pass
- You don’t mind paying $150 in annual fees
Amex EveryDay® Preferred Credit Card
Amex EveryDay® Preferred Credit Card
- 18.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 18.24% to 28.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 12 months from account opening date Intro Purchase APR
At a Glance
The Amex EveryDay® Preferred Credit Card touts 3X points at U.S .supermarkets on up to $6,000 per year in purchases, 2X points at U.S. gas stations and 1X points on other eligible purchases. Plus, when you make 30 or more purchases with your card in a billing period, you’ll earn 50% more points on those purchases (minus returns and credits).
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 3X points per $1 at supermarkets (up to $6,000)
- 2X points per $1 at gas stations
- 1X points per $1 on other eligible purchases
- Earn 50% more points when you make 30+ purchases with your Card in a billing period
- 0% APR on purchases and balance transfers for 12 months
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months from account opening date
- Balance Transfer APR: 18.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $95
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want 3X points at U.S. supermarkets on up to $6,000 per year in purchases, 2X points at U.S. gas stations and 1X points on all other purchases
- You will spend $1,000 within the first three months of the account opening in order to earn 15,000 Membership Rewards® points welcome offer
- You're likely to make 30 or more purchases with your card in a billing period to earn a massive 50% extra points on those purchases
Cash Magnet® Card
Cash Magnet® Card
- 19.24% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Cash Magnet® Card offers an unlimited 1.5% cash back on all eligible purchases, without the need to memorize any categories or tiered rewards structures.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn $200 back after spending $2,000 within the first 6 months
- Unlimited 1.5% cash back on your purchase
- Introductory purchase APR of 0% for 15 months, then a variable APR
- Use Amex Offers to get rewarded at places you like to shop, dine, travel, and more
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You're looking for a cash back card that doesn’t have a confusing bonus system
- You want to earn an unlimited 1.5% cash back on all eligible purchases
- You will likely spend $2,000 or more within the first six months
- You do't want to pay an annual fee
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
- 19.24% to 29.99% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 19.24% to 29.99% variable based on creditworthiness and Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
The Blue Cash Everyday® Card from American Express gives you the ability to earn cash back on purchases in a handful of common categories, including 3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases (on up to $6,000 in annual purchases for each, then 1%) and 1% on all other purchases. Though the categories with higher cash back rewards percentages are limited, they are ones in which many cardholders are likely to be spending money on anyway, hence the viability of this ca
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn a $250 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%
- Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required
- Terms Apply.
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 19.24% to 29.99% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 19.24% to 29.99% variable based on creditworthiness and Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You make frequent credit card purchases at online retailers
- You use your credit card to pay for groceries and gas in the United States
- You want a one-time $250 statement credit after making just $2,000 in purchases within the first six months of the account opening
- You do't want to pay an annual fee
Amex EveryDay® Credit Card
Amex EveryDay® Credit Card
- 18.24% to 29.24% variable based on creditworthiness and Prime Rate Regular Purchase APR
- 18.24 Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 15 months from account opening date Intro Purchase APR
At a Glance
A superb option for those with a good credit score and in search of the ideal balance transfer card, the Amex EveryDay® Credit Card features 2x points at U.S. supermarkets on up to $6,000 per year in purchases and 1X points on eligible dollars spent elsewhere. New cardholders can also earn 10,000 Membership Rewards® points after making just $1,000 in purchases within the first three months of their account opening.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 20% extra points when you make 20+ purchases in a billing period
- 2X points per dollar spent at U.S. supermarkets (up to $6,000)
- 1X points on every other eligible dollar spent
- 0% intro APR on purchases for 15 months
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 18.24% to 29.24% variable based on creditworthiness and Prime Rate
- Intro Balance Transfer APR: 0% for 15 months from account opening date
- Balance Transfer APR: 18.24
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.99% variable based on the Prime Rate
- Foreign Transaction Fee: 2.7% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 2X points at U.S. supermarkets on up to $6,000 per year in purchases, an easy feat for families and foodies
- You're likely to spend $1,000 within the first three months of the account opening in order to earn those 10,000 Membership Rewards® points bonus
- You will make 20 or more purchases with your card in a billing period to earn 20% extra points on those purchases (minus returns and credits)
- You don’t want to pay an annual fee
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About American Express
American Express is one of the top issuers of credit cards in the world. American Express offers two kinds of credit products: charge cards and credit cards. But what’s the difference between a credit card and a charge card?
What Is a Charge Card?
Many of the Amex credit cards people instantly imagine when the name “American Express” pops up aren’t actually credit cards. The Platinum Card from American Express, the Amex Gold Card, and other products are hybrid credit products that somewhat resemble charge cards. Amex also offers business charge cards, like the Business Platinum Card.
Amex cards differ from credit cards in several important ways:
- Some premium Amex cards don’t have a pre-set spending limit: Unlike credit cards, which come with a credit limit, premium Amex cards don’t have a limit. Instead, cardholders are expected to pay their entire balance in full.
- Pay in Full Each Month: Unlike credit cards, hybrid charge cards require payment in full each month.
- Annual Fees: Premium Amex cards typically have annual fees. In contrast, not every credit card charges a fee each year.
- Limited Availability: Credit cards come from a massive number of issuers. Charge cards, on the other hand, are not as widely available anymore. Really, American Express is the only major company to offer charge cards.
Charge cards make sense for those concerned about their credit utilization. Because they lack a set spending limit, charge cards don’t have the same effect on a credit score as a credit card. Neither FICO nor VantageScore factor in charge cards, making them an excellent choice for financing larger purchases that can be paid back at the end of the billing period.
American Express Credit Cards
While many of the best-known cards from American Express are hybrid cards, the company also offers excellent credit card products, like the Blue Card, Blue Cash Preferred Card, or the Blue Business Plus. Credit cards from American Express cover every style and variety.
These include hotel rewards cards, airline rewards credit cards, cash back credit cards, and business credit cards. The Blue Cash everyday card from American Express provides cashback on all purchases, plus a spending bonus.
American Express Membership Rewards Guide
American Express Membership Rewards is the loyalty program for American Express credit card members. How does American Express Rewards work? American Express Rewards is available to those with “classic” American Express (Amex) rewards credit cards, like the Platinum Card, the Gold Card, and the Green Card. The Amex EveryDay® Credit Card also applies for Membership Rewards.
Value of Amex Membership Rewards Points
American Express Membership Rewards are among the most valuable points in the credit card rewards space. Amex Rewards points are comparable to Chase Ultimate Rewards Points in that they offer exceptional value on travel redemptions. This includes 1:1 point transfer partners and enhanced and expedited travel partner transfers.
Amex points have a current value of 2 cents per point, placing them on par with Chase points. The real benefit with Amex, however, is the sheer volume of transfer partners and the speed at which point transfers are completed.
How to Earn Points with Amex
Amex Rewards points are like points from other programs. Cardholders earn points for qualifying purchases, with select categories earning enhanced points. Cardholders also earn points through signup bonuses, something Amex is known for. Some American Express credit cards offer signup bonuses of up to 100,000 points, making them among the most lucrative credit cards on the market.
Other options for earning large amounts of Amex points include referral bonuses for recommending American Express credit card products to friends and family, getting extra points through select offers, or taking advantage of limited-time opportunities. Cardholders can also transfer points from other loyalty programs, including hotels and airlines worldwide.
How to Redeem Points
As with other loyalty programs, Amex Membership Rewards points apply to a wide variety of redemption options. Those redemption options include:
| Travel | Hotels | Airfare |
| Cruises | Merchandise with select partners | Gift cards |
| Statement credits | Charitable donations | Transfer to partners |
Using points for statement credits or shopping provides the lowest value for money. Using points as credits towards account charges provides a value below one cent per point, making it an option to avoid unless necessary.
The same applies to shop purchases – especially through Amazon, where Amex points are usable (along with Discover points). Using points on Amazon.com, however, provides the same valuation as statement credits – 0.65 cents per point. That valuation is well below the two cents per point some travel partners offer.
American Express Travel Partners
The best options for AMEX points are by booking travel through the American Express travel portal, or through their partners. Booking at Amextravel.com provides a point valuation of up to two cents per point. This valuation places the points on par with Chase Ultimate Rewards, widely considered some of the best travel rewards points on the market today.
American Express offers point transfers to 17 airline partners and three hotel programs:
| AeroMexico (Club Premier) | Avianca (LifeMiles) | Emirates (Skywards) |
| Air Canada (Aeroplan) | British Airways (Executive Club) | Etihad (Guest) |
| Aer Lingus (AerClub) | Cathay Pacific (Asia Miles) | Air France/KLM (Flying Blue) |
| All Nippon Airways (ANA Miles) | Delta Air Lines (SkyMiles) | Hawaiian Airlines (HawaiianMiles) |
| Iberia Plus | Choice Privileges | Hilton Honors |
| Marriott Bonvoy | JetBlue (TrueBlue) | Marriott Bonvoy |
| Marriott Bonvoy | Virgin Atlantic (Flying Club) |
What to Look for in an American Express Credit Card
Also, many of these partners offer point transfers at a ratio of 1:1, which is comparable with Chase Ultimate Rewards. Unlike Chase, however, the speed these transfers take place is unmatched, making Amex Membership Rewards perfect for travelers who frequently make last-minute changes to their itinerary.
When applying for an Amex Card, what should you look out for before applying?
- Rewards: What do you want in a credit card? Do you plan to use your card for cash back rewards, or do you think you’ll find more value through redeeming for travel?
- Annual Fee: Carefully weigh up the annual fee versus how much you plan to make use of the perks the card offers. If, for example, you travel frequently, the Platinum Card offers much more value for money than the $550 annual fee. If you travel infrequently, however, other options may provide better value.
- No Foreign Transaction Fees: Many Amex credit cards feature no foreign transaction fees.
- Co-Branded: American Express Cards branded with a hotel (like Hilton) or an airline (like Delta) offer exceptional value for those who frequent those brands. They provide less value, however, for those who prefer to shop around.
- Sign Up Bonuses: Many Amex credit cards come with an impressive intro bonus. Some cards offer big signup bonuses when you spend $1,000 in purchases within three months of card membership. Amex rewards cards, like the Hilton Honors American Express, offer extra Hilton Honors bonus points after you spend a set amount.
Guide to Amex Offers
Amex Offers is a merchant discount program offered through American Express. The Offers service is open to all American Express cardholders, except for corporate and prepaid cards. The program offers targeted chances to earn statement credits, bonus cash back, or additional Membership Rewards points on eligible purchases.
How to Find Offers
To view available offers, log in to your Amex account and navigate to the “Amex Offers & Benefits” tab.
Remember that merchant offers may vary for each Amex card you hold. Therefore, only add Amex Offers to the card you plan on using to take advantage of the deal.
Eligibility for Amex Offers
Unlike other issuers, Amex Offers are available for practically every Amex cardholder. All American Express credit accounts, except for corporate cards and prepaid cards, enjoy access to Amex Offers. This means that Serve and Bluebird prepaid cards are not eligible for these offers.
How Amex Offers Work
The American Express merchant offers program is easy to access and use:
- Log on to your American Express dashboard at Amex’s website or the American Express mobile app.
- Navigate to the “Amex Offers & Benefits” section.
- Click “View All” to see all available offers for your card.
- Once added to your card, offers will appear under the “Added to Card” tab.
- Shop at the merchant using the eligible card. The savings will be reflected on your account within 14 days of the purchase.
It’s a good idea to regularly check the Offers tab to see if there are any promotions for you. Amex Offers differ from card to card, and some offers might appear hidden. But don’t worry – here’s how you can still access them.
American Express limits the number of offers visible to 100. This means that cardmembers who have not selected any offers cannot view new offers until existing ones either expire or are chosen by the cardholder. To see more deals, simply keep adding offers to your card – even if you don’t plan on using them. You never know what hidden deals might be just below the fold – including savings on TSA Precheck or CLEAR Membership.
FAQs About American Express
Here are answers to commonly asked questions about American Express, Amex rewards credit cards, and more:
No. At this time American Express does not have an Amex card for those with bad or fair credit. The company does offer two prepaid debit cards, the Amex Bluebird and Amex Serve, both of which are available to anyone. The Bluebird is an Amex card issued with Walmart.
No. There used to be the Navy Federal Amex Secured Card, issued through Navy Federal Credit Union. That card, however, is no longer being issued, meaning there are currently no Amex secured cards available.
Yes. Amex recently introduced its Amex Score Goals program. This free program – open to anyone with -or without – an American Express card, lets you check your credit score and set up a plan to reach your dream credit score.
Amex charges a penalty fee of $27 for the first late payment and up to $38 for a second late payment in the following six billing periods. These penalty fees cannot exceed the minimum balance due, however.
Visit this page to access your American Express credit card or charge card account. At this site you can login to your US American Express account, activate a new AMEX card, review and spend your reward points, and more.
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