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Credit One American Express Card
Credit One American Express Card
- 28.99% variable based on the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Credit One Bank American Express Card is a cash back rewards card that makes sense for a select audience. The card earns 1% back on all purchases, with no cap on the amount of cash back earnable. The card also features Amex travel and shopping benefits and protections, for an annual fee of $39.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Unlimited 1% cash back on all purchases
- Complimentary access to your Experian credit score
- Zero Fraud Liability protectio
- Regular Purchase APR: 28.99% variable based on the Prime Rate
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
- Annual Fee: $39
- Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: Up to $39 (see terms)
- Return Payment Penalty Fee: Up to $39 (see terms)
- You're rebuilding your credit and want the premium perks that come with an Amex card
- You're looking for a credit card with a modest annual fee
- You want the security of retail protection when shopping
- You want to earn flat-rate cash back with all purchases
Dillard's American Express® Card
Dillard's American Express® Card
- 30.24% variable based on the Prime Rate Regular Purchase APR
- 32.24% variable based on the Prime Rate Cash Advance APR
At a Glance
Dillard’s department store shoppers can stretch their dollars further with the Dillard’s American Express® Card. Having no annual fee, cardholders can earn 2 points per dollar spent at Dillard’s, gas stations, and grocery stores to use towards $10 Reward Certificates or 10% Off Shopping Passes.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- For every 1,500 points, you'll earn an All-Day 10% Off Rewards Shopping Pass.
- 2X points at Dillard's (in-store and online)
- 2X points at gas stations and grocery stores
- 1X points on all other purchases
- Up to 24 months of interest-free financing on select Dillard merchandise
- Early access to Dillard's clearance events
- Regular Purchase APR: 30.24% variable based on the Prime Rate
- Cash Advance APR: 32.24% 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: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- You spend at least $750 at Dillard’s every year
- You want early access to Dillard’s clearance events
- You frequently shop in the Men’s Tailored Clothing, Home Furnishings, or Furniture departments
- You regularly make Dillard’s purchases over $100
- You live near a brick-and-mortar Dillard’s locatio
Macy’s American Express® Card
Macy’s American Express® Card
- 31.49% variable based on the Prime Rate Regular Purchase APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
Macy’s American Express® cardholders will enjoy the star treatment every time they shop at Macy’s with automatic Silver status in the Macy’s Star Rewards program. Cardholders will also earn points towards $10 rewards with 3% back (in points) on restaurants, 2% back at gas stations and supermarket, and 1% back per dollar spent everywhere else – in addition to shopping on Star Money days.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $10 Star Money reward for every 1,000 points
- 3% back at restaurants
- 2% back at gas stations and supermarkets
- 1% back for all other purchases
- Automatic Silver status in Macy's Star Rewards
- 25% off all merchandise with Star Pass (1)
- Free shipping with no minimum purchase
- Annual birthday surprise
- Special travel upgrades and savings on airfare, hotel bookings, cruises, and more
- Entertainment Access: Priority tickets to Broadway, sporting events, and concerts
- Regular Purchase APR: 31.49% variable based on the Prime Rate
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You shop at Macy’s roughly once a month
- You don’t spend enough to earn Macy’s Platinum status ($1,200 minimum)
- You want at least one shopping day with 25% off all merchandise
- You frequent Broadway shows and want early access to tickets
- You have excellent credit
The Platinum Card® from American Express Exclusively for Morgan Stanley
The Platinum Card® from American Express Exclusively for Morgan Stanley
- 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 Platinum Card® from American Express Exclusively for Morgan Stanley brokerage customers. This exclusive version of the impressive 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 Morgan Stanley customers.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel. Starting January 1, 2021, earn 5X points on up to $500,000 on these purchases per calendar year
- 5X Membership Rewards® Points on prepaid hotels booked on amextravel.com
- $200 Airline Fee Credit, up to $200 in statement credits per calendar year in baggage fees and more when you select one 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
- Access to the American Express Global Lounge Collection
- VIP status and $200 Uber savings on rides or eats orders in the US annually
- Complimentary Gold status in Marriott Bonvoy and Hilton Honors programs
- Complimentary membership in premium car rental programs
- $240 Digital Entertainment statement credit
- $175 CLEAR statement credit
- $300 Equinox Statement credit
- 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 have a Morgan Stanley brokerage account
- You want to issue an authorized user a Platinum Card
- 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 of being a cardmember
- You will take advantage of exclusive events and experiences available only to Platinum cardholders
Bloomingdale’s American Express® Card at the Top of the List
Bloomingdale’s American Express® Card at the Top of the List
- 31.49% variable based on the Prime Rate Regular Purchase APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bloomingdale’s American Express® Card at the Top of the List cardholders will enjoy the highest rewards – 8X points for shoe, cosmetic, and fragrance purchases and 4X points per dollar spent on everything else. This card cannot be applied for directly, and is an automatic upgrade given to current Bloomingdale’s American Express® Card owners once they spend $3,500 a calendar year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $25 in rewards for every 5,000 points earned
- 4X points at Bloomingdale's
- 8X points on shoes, cosmetics, and fragrances from Bloomingdale's
- 4X points on all other purchases
- Choose your own Triple Point days (4)
- Free standard domestic shipping & returns
- Complimentary fur storage during the summer
- Early access to Friends & Family sale
- Exclusive Top of the List offers and events
- Free unlimited gift wrapping services (where available)
- Regular Purchase APR: 31.49% variable based on the Prime Rate
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever isgreater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You annually spend at least $3,500 at Bloomingdale’s
- You prefer not to carry shopping bags around and would rather have items delivered
- You frequently shop at Bloomingdale’s to find gifts for others
Bloomingdale’s American Express® Card
Bloomingdale’s American Express® Card
- 31.49% variable based on the Prime Rate Regular Purchase APR
- 31.49% variable based on the Prime Rate Cash Advance APR
At a Glance
The Bloomingdale’s American Express® Card amplifies the existing benefits for Loyallists (the Bloomingdale’s loyalty program) by significantly boosting point-earning power (up to 9 points per dollar) and providing exclusive shopping perks and early access to sales and other store events, but the bestfeature is that even non-store purchases will still earn 3X points wherever American Express is accepted – hard to believe that such a valuable card has no annual fee!
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive $25 in rewards for every 5,000 points earned
- 3X points at Bloomingdale's
- 6X points on shoes, cosmetics, and fragrances from Bloomingdale's
- 3X points on all other purchases
- Choose your own Triple Point days (2)
- Regular Purchase APR: 31.49% variable based on the Prime Rate
- Cash Advance APR: 31.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever isgreater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You're a Current Loyallist member
- You spend at least $3,500 at Bloomingdale’s each year
- You have a credit score of at least 700
- You'll pay off monthly balance in full every month
American Express Platinum Card® for Schwab
American Express Platinum Card® for Schwab
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The American Express Platinum Card® for Schwab offers cardholders an impressive 5x Membership Rewards® points on flights and prepaid hotels on amextravel.com and the ability to earn up to 80,000 Membership Rewards® points within the first three months of their card membership. Factor in other perks, such as airport lounge access through the American Express Global Lounge Collection, and this card is a powerful rewards tool for the frequent traveler.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $100 Card statement credit if your qualifying Schwab holdings are equal to or greater than $250,000
- $200 Card statement credit if your qualifying Schwab holdings are equal to or greater than $1,000,000
- 5X points on bookings through Amextravel.com
- 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 greate
- Penalty APR: 29.99% variable based on the Prime Rate
- 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 their points for travel
- You're likely spend $6,000 within their first six months on your new card
- You'll take advantage of exclusive events and experiences available only to Platinum cardholders
- You're a Schwab investor
Schwab Investor Card® from American Express
Schwab Investor Card® from American Express
- 18.99% to 21.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 6 months Intro Purchase APR
At a Glance
The Schwab Investor Card® from American Express is a no-fuss cash back reward credit card with some nice perks. The card earns a flat-rate 1.5% cashback on all purchases. New account holders also benefit from a $200 statement credit should they use their card to make at least $1,000 in purchases within the first 90 days of opening an account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR for the first 6 months after opening account
- $200 statement credit after making $1,000 in purchases within the first 90 days
- 1.5% cashback on all purchases
- Intro Purchase APR: 0% for the first 6 months
- Regular Purchase APR: 18.99% to 21.99% 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 each transaction after conversion to US dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You want to earn a solid cashback bonus with every purchase
- You don’t want to pay an annual fee
- You plan to make at least $1,000 in purchases within the first three months
Navy Federal More Rewards American Express® Card
Navy Federal More Rewards American Express® Card
- 14.65% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.65% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 16.65% to 20.00% variable based on the Prime Rate Cash Advance APR
At a Glance
The Navy Federal More Rewards American Express® Card is an everyday rewards card from Navy Federal Credit Union. The card earns 3x points on gas station and grocery purchases, 2X points at restaurants, and 1X points for all their purchases. New account holders also receive 25,000 bonus points when they spend $3,000 on purchases in the first 90 days. The card has no annual fee and no foreign transaction fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 25,000 points (a $250 value) when you spend $3,000 within 90 days of opening an account
- A great choice for everyday spending and grocery shopping
- No annual fee
- No foreign transaction fees
- Enjoy 0% APR on purchases for 12 months
- Regular Purchase APR: 14.65% to 18.00% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.65% to 18.00% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 16.65% to 20.00% variable based on the Prime Rate
- Cash Advance Transaction Fee: None if performed at a Navy Federal branch or ATM. Otherwise, up to $1 for ATM Cash Advance
- Penalty APR: 18.00%
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $20
- You're a member of Navy Federal Credit Union
- You don’t want to pay an annual fee
- You want to earn rewards on everyday purchases
- You plan on making at least $3,000 in purchases within the first three months
American Express Serve®
American Express Serve®
At a Glance
The American Express Serve Card is a prepaid debit card from the credit card company, American Express. The card is ideal for anyone who doesn’t want the hassle of a traditional credit card but still prefers to customer service and security that comes with such a card. The Serve the card gives users the flexibility of shopping at any merchant that accepts American Express while also allowing for the withdrawal of cash at MoneyPass ATMs, similar to what you can expect from a debit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 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
- You do't want a hard pull on your credit history
- You aren’t sure whether to choose a gift card vs. a prepaid card
- You want credit card features (purchase protection, fraud protection, roadside assistance, etc.) without the risk of overspending or a credit check
- You don’t have a bank account but want a repository for direct deposits
You've viewed 5 of 77 credit cards
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.