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Showing 33 Cards
Date Reviewed: July 31, 2019
Blue Business Cash™ Card
- Regular Purchase APR 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent
- Intro Purchase APR 0% for 12 months from account opening date
- Processing Network American Express
- 2% cash back on all eligible purchases on up to $50,000 per calendar year
- Cash back is automatically applied as statement balance
- Expanded Buying Power - spend above your credit limit
- No annual fee
- Intro Purchase APR: 0% for 12 months from account opening date
- Regular Purchase APR: 13.24% to 19.24% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.24% 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 $39
- Return Payment Penalty Fee: Up to $39
- Over Limit Penalty Fee: Up to $39
Date Reviewed: April 17, 2019
American Express Serve®
- Annual Fee None
- Credit Needed No Credit Required
- Processing Network American Express
- Get your money up to 2 days faster with early direct deposit
- Free withdrawals at over 24,000 MoneyPass ATM locations nationwide
- Transfer cash or pay bills online without a hassle
- Access and manage your account on the go via your phone
- Foreign Transaction Fee: 2.7% on each transaction after conversion to U.S. dollars
Date Reviewed: April 16, 2019
Business Green Rewards Card
- Regular Purchase APR 18.24% variable based on the Prime Rate
- Annual Fee $95
- Credit Needed Excellent
- Processing Network American Express
- 2X points for every dollar spent on eligible purchases at amextravel.com
- 1X points on all other purchases
- Unlimited earnings
- Employee cards for no additional fees
- No annual fee
- Regular Purchase APR: 18.24% variable based on the Prime Rate
- Penalty APR: 29.24% 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: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
Date Reviewed: April 11, 2019
Amazon Business Prime American Express Card
- Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- Choose between 5% cash back or 90 days to pay your balance off interest-free
- 2% cash back on purchases at U.S. restaurants, gas stations & wireless telephone service providers
- 1% back on all other eligible purchases
- Receive $125 Amazon.com gift card upon approval
- Earn $100 statement credit after spending $3000 within first 3 months
- Expense management tools to help you run your business more efficiently
- No annual fee and no foreign transaction fees
- Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: EIther $5 of 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
Date Reviewed: April 10, 2019
Amazon Business American Express Card
- Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- Choose between getting 3% cash back or 60 interest-free purchases on Amazon-related purchases
- 2% back on purchases at U.S. restaurants, U.S. gas stations, and on wireless telephone services
- 1% back on all other purchases
- Receive $100 Amazon.com gift card upon getting approved for an account
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 24.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
Date Reviewed: April 10, 2019
Marriott Bonvoy Business™ American Express® Card
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $125
- Credit Needed Excellent , Good
- Processing Network American Express
- 6X Marriott Bonvoy Points per $1 at participating Marriott Bonvoy hotels
- 4X points per $1 at U.S. restaurants, gas stations, wireless telephone services, and on shipping purchases
- 2X points on all other eligible purchases
- Complimentary Marriott Bonvoy Silver Elite Status
- 1 Free Night Award each year after cardmember anniversary
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $125
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: $39
Date Reviewed: April 10, 2019
Marriott Bonvoy Brilliant™ American Express® Card
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $450
- Credit Needed Excellent
- Processing Network American Express
- 6X Marriott Bonvoy points on direct purchases at participating Marriott Bonvoy hotels
- 3X points on purchases at U.S. restaurants and flights booked directly with airlines
- 2X points on all other eligible purchases
- Free Night Award each year on account anniversary
- Complimentary Marriott Bonvoy Gold Elite status
- Annual $300 statement for eligible purchases at participating Marriott Bonvoy hotels
- Priority Pass Select membership
- $100 statement credit for Global Entry or $85 credit for TSA Pre Check
- Regular Purchase APR: 15.74% to 24.74% 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: 25.24% 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: Up to 29.24% variable based on the Prime Rate
- Annual Fee: $450
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: October 15, 2018
Bluebird® by American Express
- Annual Fee None
- Credit Needed No Credit Required
- Processing Network American Express
- Send and receive money, link your debit card to your Account, and add funds via direct deposit
- Enjoy American Express cardmember benefits like purchase and fraud protection, as well as roadside assistance, exclusive access to entertainment and sporting events a more
- Free (and Flexible) Direct Deposit, no monthly fees and no overdraft fees, and free Bill Pay
- Use your card to shop anywhere American Express is accepted
Date Reviewed: September 05, 2018
American Express® Business Gold Card
- Regular Purchase APR 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Annual Fee $295
- Credit Needed Excellent , Good
- Processing Network American Express
- Pick 2 categories for the 4X bonus
- 4X points made directly from select technology providers of computer hardware, software, and cloud solutions
- 4X points at gas stations
- 4X points at restaurants
- 4X points for shipping
- 4X points on advertising (online, TV, radio)
- Earn 1X points on all other purchases
- Pay Over Time Option: A flexible payment option to help manage cash flow on purchases of $100 or more
- Regular Purchase APR: 14.24% to 22.24% variable based on creditworthiness and the Prime Rate
- Penalty APR: 29.24% variable based on the Prime Rate
- Annual Fee: $295
- Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
Date Reviewed: September 05, 2018
Platinum Delta SkyMiles® Credit Card
- Regular Purchase APR 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.74% to 24.74% variable on balance transfers requested within 60 days of account opening
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee $250
- Credit Needed Excellent , Good
- Processing Network American Express
- Earn 60,000 bonus miles and 5,000 Medallion Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months
- Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets
- With Status Boost, earn 10,000 MQMs after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year, getting you closer to Medallion Status
- Fee Credit for Global Entry or TSAPreCheck
- Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight
- No Foreign Transaction Fees
- Regular Purchase APR: 15.74% to 24.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.74% to 24.74% variable on balance transfers requested within 60 days of account opening
- Balance Transfer Transaction Fee: Either $5 of 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% 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: 29.24% variable based on the Prime Rate
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
American Express Credit Cards
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 actually charge cards. Amex also offers business charge cards, like the Business Platinum Card.
Charge cards differ from credit cards in several important ways:
- Charge cards don’t have a pre-set spending limit: Unlike credit cards, which come with a credit limit, charge 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, charge cards require payment in full each month.
- Annual Fees: Charge 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 t 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 charge 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
- Statement credits
- Shopping for merchandise
- Gift Cards
- Charitable donations
- Points transfers
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 instant transfers to 15 partners:
- Aer Lingus
- Etihad
- Air Canada
- Hawaiian Airlines
- Air France/ KLM
- JetBlue
- Alitalia
- Virgin Atlantic
- British Airways
- Choice
- Delta
- Hilton
- El Al
- Marriott Bonvoy
- Emirates
AMEX also offers near-instant (48 hours or less) transfers to five additional partners:
- Aeromexico
- Iberia
- All Nippon Airways (ANA)
- Singapore Airlines
- Cathay Pacific
What to Look for in an American Express Credit CardAlso, 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.
FAQs About American Express
Here are answers to commonly asked questions about American Express, Amex rewards credit cards, and more:
Is there an American Express credit card for bad credit?
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.
Is there an American Express secured credit card?
No. There used to be the Navy Fed 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.
Can I get a free credit score through American Express?
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.
Does American Express charge a late payment penalty?
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.
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