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Valley Premier Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee $0 for the first 12 months. After that, $99
- Credit Needed Excellent
- Processing Network American Express
Best Benefits
- Earn 4x points at restaurants
- Earn 3x points with airlines
- Earn 2x points at gas stations
- Earn 1x points on uncategorized purchases
- Global Entry/TSA PreCheck reimbursement
- No foreign transaction fees
- Annual fee waived the first year
Rates & Fees
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 for the first 12 months. After that, $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Valley Cash Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network American Express
Best Benefits
- 3% cash back at gas stations up to $6,000 per year
- 2% cash back at supermarkets
- 1% cash back on all other purchases
- $25 reward bonus after your first purchase
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Sterling National Bank Cash Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network American Express
Best Benefits
- No annual fee
- 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations
- 2% cash back on eligible supermarket net purchases
- 1% cash back on all other eligible net purchases
- Rewards expire after five years
- $25 cash back awarded after first purchase
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Sterling National Bank Premier Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None for the first year. After that, $99
- Credit Needed Excellent
- Processing Network American Express
Best Benefits
- Annual fee waived for the first year
- No foreign transaction fees
- Earn 4X points on restaurant purchases, 3X points on airline purchases, 2X points on gas, and 1X points on everything else
- Earn 10,000 bonus points when you spend $1,000 in the first 3 months
Rates & Fees
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: None for the first year. After that, $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Comerica Premier Rewards American Express® Card
- Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee $0 for the first year; $99 after that
- Credit Needed Excellent , Good
- Processing Network American Express
Best Benefits
- No annual fee for the first year
- Earn 4X points on dining; 3X on airlines; 2X on gas; and 1X on all other purchases
- 10,000 bonus rewards points after you spend $1,000 in the first 3 month
- No foreign transaction fees
Rates & Fees
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99% to 22.99% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each advance, whichever is greater
- Annual Fee: $0 for the first year; $99 after that
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Comerica Cash Rewards American Express® Card
- Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network American Express
Best Benefits
- 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.
- 2% back on net purchases made at supermarkets and unlimited 1% back on all other purchases
- $25 cash back reward bonus after first purchase
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 13.99% to 22.99% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each advance, whichever is greater
- Foreign Transaction Fee: 2% of the transaction in U.S. dollars; 3% of the transaction in foreign currency
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Liberty Bank Cash Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network American Express
Best Benefits
- Earn 3% cash back on your first $6,000 in gas purchases per year
- Earn 2% cash back on groceries and 1% on everything else
- Earn $25 cash back bonus on your first purchase
- No annual fee
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months on transfers made within 186 days from account opening date
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
Liberty Bank Premier Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None the first year. After that, $99
- Credit Needed Excellent
- Processing Network American Express
Best Benefits
- Earn 4 points per $1 spent on eligible net restaurant purchases
- Earn 3 points per $1 spent on eligible net airline purchases
- Earn 2 points for every $1 spent on eligible net gas station purchases
- Earn 1 point for every $1 spent on all other eligible net purchases
- No caps or limits on the points you can earn, plus you have five years to redeem points for rewards
- No foreign transaction fees
Rates & Fees
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: None the first year. After that, $99
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
SBI Premier Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None for the first year, $99 after that
- Credit Needed Excellent , Good
- Processing Network American Express
Best Benefits
- No annual fee
- No foreign transaction fees
- Earn 4X points on dining; 3X on airlines; 2X on gas; and 1X on all other purchases
- 10,000 bonus rewards points after you spend $1,000 in the first 3 month
Rates & Fees
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% 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: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: None for the first year, $99 after that
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
SBI Cash Rewards American Express® Card
- Regular Purchase APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 14.49% to 23.49% variable based on creditworthiness and the Prime Rat
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network American Express
Best Benefits
- No annual fee
- 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.
- 2% back on net purchases made at supermarkets and 1% back on all other purchases
- No limit on the total amount of rewards you can earn
- $25 cash back reward bonus after first purchase
Rates & Fees
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rat
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
Credit Card Deals
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
What is the American Express Network?
American Express (also known as Amex) is the third-largest payment network in the United States and the fourth largest globally. Approximately 10% of all U.S. credit cards feature an Amex logo – far lower than Visa or Mastercard. Amex issues charge cards (like the famed Amex Gold), credit cards, and prepaid debit cards.
Interestingly, while American Express has fewer cardholders than Visa or Mastercard, the American Express brand has a higher purchasing volume than the other two. This discrepancy is due to many Amex users having larger budgets than other credit cardholders.
Because of this disparity in personal finance, the Amex brand (and its helmet-clad logo) has an air of prestige and affluence about it. Perhaps that’s why cards from American Express continue to attract attention and new accounts.
How Does Amex Differ from Visa and Mastercard?
American Express, like Discover, both issues credit cards and acts as a payment network for other banks. In this regard, the two issuers differ from Mastercard and Visa significantly. Both of those payment networks only issue cards.
Because Visa and MasterCard do not issue their own cards, they make their money through fees. These processing fees are shared between the bank, the merchant, and the cardholder. Both American Express and Discover operate their own in-house payment network, simplifying the process and reducing the number of fees passed on to the consumer.
More and More Merchants Are Now Accepting American Express
While the American Express Network payment system is streamlined, this doesn’t always mean lower fees for all. Amex cards used to be known for high merchant fees (also known as interchange fees or swipe fees). This was because all American Express cards were formerly charge cards. Charge cards require payment in full each month, so don’t earn interest in the same way as other credit cards.
To make money, Amex charged higher fees to stores. Because of this, many retailers refused to carry American Express Cards, as they were too expensive to be worthwhile.
Fortunately, the American Express Network has made great strides in lowering fees, through negotiations with merchants. This process is reducing the cost of accepting Amex cards. Today, more than 99% of U.S. merchants accept American Express, making it an excellent option for those in the United States.
The Amex network still has strides to make abroad, however, as the Amex network still lags Visa and Mastercard internationally.
How Amex is Similar to Other Payment Networks
While both Amex and Discover issue their own credit cards (and charge cards in the case of the American Express Network), they also operate as a payment network for other banks. Discover only offers a few other cards through Comenity. American Express, however, provides a wide variety of credit cards through other banks and financial institutions, including:
Features of Many American Express Network Credit Cards
Many American Express payment network cards feature similar benefits and protections from the issuing banks, including:
- No Foreign Transaction Fees
- EMV Chips
- Contactless Payment
- Emergency Global Cash Access
- Digital Wallet Integration (through Apple Pay, Google Pay, and Samsung Pay)