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Square Credit Card
Square Credit Card
- See Terms Regular Purchase APR
At a Glance
The Square Credit Card is an invite-only business credit card for Square sellers and works in synchronicity with Square’s financial management tools and savings. It features no annual fee, free processing rewards, and an easy application process. Square Inc. is a company that offers payment services to businesses of all sizes. Its recent addition, the Square Credit Card, features zero fees and a streamlined platform to manage your business budgets.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- See if you qualify without harming your credit score via an easy application process
- Integrates seamlessly with other Square services for easier card management
- Zero fees - never pay a fee for late payments, annual renewals, or anything else
- The cards rewards system is designed to earn cardholders free processing fees
- Credit limits are based on sales processed through Square so you'll have access to the right amount of cash
- Confidently use the sleek metal card equipped with fraud protection and automatic repayment options
- Regular Purchase APR: See Terms
- You're already a Square seller looking to streamline your business money with credit
- You want to earn free Square processing as a reward for using your Square Credit Card
- You want the peace of mind of paying zero fees on your business credit card
- You don't mind a credit limit based on your Square sales
TAP Miles&Go American Express®
TAP Miles&Go American Express®
- 21.24% to 28.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
At a Glance
The TAP Miles&Go American Express® credit card is the ideal travel companion for anyone who want premium travel perks but hate paying a steep annual fee of hundreds of dollars. The card, from Cardless, charges $79 per year but grants perks like lounge access, preferred boarding, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No foreign transaction fees
- Earn 60,000 miles after spending $2,500 in purchases in the first three months
- Earn 3X miles on TAP Air Portugal purchases
- Earn 2X miles on dining, plus rideshares, taxis, and public transit
- Earn 1X miles on all other purchases
- Two complimentary TAP lounge passes each year
- Preferred boarding on TAP-operated flights
- Regular Purchase APR: 21.24% to 28.24% variable based on creditworthiness and the Prime Rate
- Annual Fee: $79
- Late Payment Penalty Fee: Up to $30
- Return Payment Penalty Fee: Up to $30
- You travel to Portugal, Europe, or other similar destinations often
- You prefer to fly with TAP Air Portugal or other Star Alliance airlines
- You want access to premium perks like airport lounges and upgrades
- You plan to spend at least $2,500 in the first three months
The Platinum Card® from American Express
The Platinum Card® from American Express
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Luxury is always within reach when you use The Platinum Card® from American Express. This exclusive rewards card offers premium travel rewards and a host of additional perks for the savvy voyager. Uber Cash and complimentary lounge access are just a few of the more practical perks that lend ongoing value to Platinum Card members beyond the impressive signup bonus.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline
- Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required
- $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings, which requires a minimum two-night stay, through American Express Travel when you pay with your Platinum Card®
- VIP status and $200 Uber savings on rides or eats orders in the U.S. annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment Credit: Get up to $20 back each month on eligible purchases made with your Platinum Card® on one or more of the following: Audible, Disney+, The Disney Bundle, ESPN+, Hulu, Peacock, SiriusXM, and The New York Times. Enrollment required.
- $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership
- $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card®. Enrollment required
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax
- 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: See Rates & Fees
- Annual Fee: $695
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You travel often and can take advantage of a myriad of benefits including access to airport lounges and Uber credits
- you intend to sign up for Global Entry or TSA Pre?®
- You prefer airline flexibility when redeeming points for travel
- You're likely spend $6,000 within the first six months as a cardholder to receive the card’s welcome offer
- You'll take advantage of exclusive events and experiences available only to Platinum cardholders
American Express® Gold Card
American Express® Gold Card
- See Pay Over Time APR Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
Foodies, rejoice! The American Express® Gold Card grants you the ability to earn 4X Membership Rewards® points at restaurants worldwide and US supermarkets, and 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com. There are also numerous travel perks of note, including statement credits for hotel and airline purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 75,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership
- Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X)
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required
- Choose the color that suits your style. Gold or Rose Gold
- No Foreign Transaction Fees
- Annual Fee is $250
- 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: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn 4X Membership Rewards® points for global restaurant purchases, including takeout and delivery
- You also wish to earn 4X Membership Rewards® points on purchases at U.S. supermarkets (up to $25,000 annually)
- You travel often and can take advantage of 3X Membership Rewards® points on flights booked directly with airlines or via amextravel.com
- You would benefit from statement credits on a variety of travel expenses
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
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express
- See Terms Regular Purchase APR
At a Glance
Companies can expect the pinnacle of luxury when they use The Business Platinum Card® from American Express. This exclusive metal rewards card provides premium travel rewards, a huge welcome offer, and a variety of other perks for the savvy business traveler.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Welcome Offer: Earn 130,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership
- Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com, and 1X points for each dollar you spend on eligible purchases
- Earn 1.5X points (that's an extra half point per dollar) on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year
- Unlock over $1,000 in value per year for statement credits on select purchases, including tech, recruiting and wireless with the Business Platinum Card
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Card or any of the Additional Cards on your Platinum Card account
- $189 CLEAR® Credit: CLEAR® uses biometrics to assign you a touchless ID, allowing you to move faster through security at select airports and stadiums across the U.S. You can cover the cost of a CLEAR membership with up to $189 in statement credits per calendar year after you pay for CLEAR with your Business Platinum Card®
- The American Express Global Lounge Collection® can provide an escape at the airport. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021
- $695 Annual Fee
- Terms Apply
- Regular Purchase APR: See Terms
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $695
- Late Payment Penalty Fee: $39 or 2.99% of any past due Pay in Full amount, whichever is greater
- Return Payment Penalty Fee: $39
- You travel often for work and can take advantage of a myriad of benefits including access to airport lounges
- You will make use of statement credits for Global Entry or TSA Precheck
- You prefer airline flexibility when redeeming your points for travel
American Express® Business Gold Card
American Express® Business Gold Card
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate for Pay Over Time Regular Purchase APR
At a Glance
Business owners with a clear understanding of their company’s needs will enjoy the customizable rewards available to them through the American Express® Business Gold Card. The card gives you the ability to choose two categories to receive 4X the points from, then one point per dollar spent on all other eligible purchases plus a generous welcome offer where companies can earn 100,000 Membership Rewards points.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Welcome Offer: Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership*
- **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
- PAY OVER TIME OPTION: Decide whether you want to pay eligible purchases in full each month – or pay over time with interest.*
- *Terms Apply.
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate for Pay Over Time
- Penalty APR: 29.99% 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
- You own a business and want to earn points for everyday expenses on select bonus categories where your business spends the most, such as airfare, advertising, gas, shipping, and computers
- You plan to make frequent purchases, particularly within the first few months of becoming a cardholder, in order to qualify for lucrative introductory offers
- You can benefit from insightful software tools to both help manage your business and recruit promising talent
- You will make use of Amex’s Pay Over Time option for business expenses
Business Green Rewards Card
Business Green Rewards Card
- 19.49% to 27.49% variable based on creditworthiness and the Prime Rate for Pay Over Time purchases Regular Purchase APR
At a Glance
The American Express Business Green Rewards Card grants users the ability to earn 1X Membership Rewards® point for each dollar spent on eligible purchases and 2 Membership Rewards® points for eligible travel purchases made at AmexTravel.com. You can also earn 2X Membership Rewards® points for every dollar you spend on eligible purchases with your card, up to a maximum of $50,000, during your first three months as a cardholder.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- Terms apply.
- Regular Purchase APR: 19.49% to 27.49% variable based on creditworthiness and the Prime Rate for Pay Over Time purchases
- Penalty APR: 29.99% variable based on the Prime Rate
- Annual Fee: $0 for the first year, then $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
- You want to earn 2 Membership Rewards® points for eligible travel purchases made at AmexTravel.com and 1 Membership Rewards® point for each eligible dollar spent elsewhere
- You do not want a limit on the points you can earn or points that expire
Bread Cashback™ American Express® Credit Card
Bread Cashback™ American Express® Credit Card
- 20.74%, 31.24%, or 35.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 35.24% variable based on the Prime Rate Cash Advance APR
At a Glance
With the Bread Cashback™ American Express® Credit Card, holders can earn 2% unlimited cash back, with no rewards caps, opt-ins, or categories to manage. The card, from Bread (formerly Alliant Data Systems/ Comenity), offers even more value for cardholders thanks to no hidden fees – including an annual fee, membership fees, or foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 2% cash back on all eligible purchases
- Regular Purchase APR: 20.74%, 31.24%, or 35.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 35.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You don’t want to pay an annual fee
- You prefer unlimited rewards to confusing categories
- You want access to Amex protections and Amex Offers
Marriott Bonvoy Bevy™ American Express
Marriott Bonvoy Bevy™ American Express
- 20.99% 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
At a Glance
The Marriott Bonvoy Bevy™ American Express Credit Card earns big rewards but has a hefty price tag. The card earns up to 18.5X on Marriott stays 4X on US dining and groceries, and 2X on everything else but charges a $250 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 125,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership. Plus, earn 50,000 Marriott Bonvoy bonus points after you stay 6 eligible paid nights at hotels participating in Marriott Bonvoy through 1/31/24. Offer ends 8/9/2023.
- Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy.
- Earn 4X points at restaurants worldwide and U.S. supermarkets (on up to $15,000 in combined purchases at restaurants and U.S. supermarkets per calendar year, then 2X points).
- Earn 2X points on all other eligible purchases.
- 1K Bonus Points Per Stay: Earn 1,000 Marriott Bonvoy® bonus points per paid eligible stay booked directly with Marriott for properties participating in Marriott Bonvoy.
- With complimentary Gold Elites status, earn up to 2.5X points from Marriott Bonvoy® on eligible hotel purchases with the 25% Bonus Points on stays benefit.
- Marriott Bonvoy Bevy Free Night Award: Earn 1 Free Night Award after spending $15,000 on eligible purchases on your Marriott Bonvoy Bevy™ Card in a calendar year. Award can be used for one night (redemption level at or under 50,000 Marriott Bonvoy® points) at a participating hotel. Certain hotels have resort fees.
- 15 Elite Night Credits: Each calendar year with your Marriott Bonvoy Bevy™ American Express Card® you can receive 15 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
- Plan It® is a payment option that lets you split up purchases of $100 or more into equal monthly installments with a fixed fee. Plus, you'll still earn rewards the way you usually do.
- $250 Annual Fee.
- Terms apply.
- Regular Purchase APR: 20.99% 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
- Annual Fee: $250
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You plan to stay at Marriott properties often
- You spend heavily on groceries and U.S. dining purchases
- You don't want to pay foreign transaction fees
- You already have another Amex credit card or prefer the Amex payment network
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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 they don’t accrue 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. Today, more than 99% of U.S. merchants accept American Express, making it an excellent option for those in the United States.
Amex still has catching up to do as an international payment network, however – currently it lags behind Visa and Mastercard abroad.
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)
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.