American Express
American Express may be known for their charge cards, but they do have a great selection of traditional credit cards as well. They have a top notch rewards programs and feature credit cards offering cash back, airline miles, and points. American Express also is the credit card issuer for the Delta SkyMiles credit cards which let you earn frequent flyer miles with every dollar in purchases on the card. They are known to be targeting a higher quality applicant, so if you don’t have good to excellent credit you probably shouldn’t apply.
Below you will find a listing of some of the most popular American Express Cards. Some of these cards will be charge cards and others will be traditional credit cards with low introductory rates and/or rewards. For more detailed information or to apply online, simply click the “Apply Now” button.
American Express Credit Cards
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Blue Cash Everyday® Card from American Express |
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- Earn 100 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
- Earn Cash Back: 3% at US supermarkets, up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
- Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
- Simple and Straightforward: With the Blue Cash Everyday Card, you can start earning cash back. No rotating reward categories. No enrollment required.
- No annual fee, 0% intro APR on purchases for 12 months. After that, your APR will be a variable rate, currently 12.99%-21.99% with flexibility to pay over time.
- Terms and Restrictions Apply.
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Intro Purchase APR
0% for 12 months |
Intro Balance Trans. APR
N/A* |
APR
12.99% – 21.99% Variable |
Annual Fee
$0 |
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TrueEarnings® Card from Costco and American Express |
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- 3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
- 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
- Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
- The Two-In-One Card: it’s an American Express® Card and Costco membership card, with no annual fee for Costco members
- Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
- Terms and Restrictions Apply
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Intro Purchase APR
0% for 6 months |
Intro Balance Trans. APR
N/A* |
APR
15.24% Variable |
Annual Fee
No Annual Fee with your
paid Costco Membership |
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American Express Charge Cards
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The Platinum Card® from American Express |
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- 25K Membership Rewards® points after you spend $2,000 during your first three months of Card membership
- Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority PassTM Select, no foreign transaction fees
- Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
- Terms and restrictions apply
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
See Terms* |
Annual Fee
$450* |
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American Express Travel Credit Cards
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Gold Delta SkyMiles® Credit Card from American Express |
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- Bonus Miles: Earn 30,000 bonus miles toward Award Travel after you spend $500 on the Card within the first three months of Cardmembership.
- Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
- Check your first bag free on every Delta flight – that’s a savings of up to $200 per round trip for a family of four.
- Premium Travel Perks: Settle in sooner with Priority Boarding, and enjoy the skies with 20% in-flight savings to use toward meals, beverages, and movies awarded as a statement credit.
- $0 introductory annual fee for the first year, then $95.
- Terms and Restrictions Apply.
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
15.24%-19.24% Variable |
Annual Fee
$0 intro for the first year,
then $95 |
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Blue Sky from American Express® |
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- Welcome Bonus: earn 7,500 points after you spend $1,000 within the first 3 months of Cardmembership – redeemable for a $100 statement credit.
- Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
- Unlimited Travel Options: Travel with any airline, hotel, cruise, car rental and travel package – with no blackout dates.
- Flexible Bill Payments: pay your bill all at once or over time.
- No annual membership fee and 0% intro APR on purchases for the first 12 months, after that, your APR will be a variable rate, currently 17.24%- 22.24%.
- Terms and Restrictions Apply.
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Intro Purchase APR
0% for 12 months |
Intro Balance Trans. APR
N/A* |
APR
17.24% – 22.24% Variable |
Annual Fee
$0* |
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Starwood Preferred Guest® Credit Card from American Express |
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- Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
- That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa
- Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide – with no blackout dates
- Free Flights: redeem Starpoints on over 350 airlines with SPG Flights – with no blackout dates
- Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
- No limits on the number of Starpoints you can earn
- $0 introductory annual fee for the first year, then $65
- Terms and Restrictions apply.
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Intro Purchase APR
None |
Intro Balance Trans. APR
N/A* |
APR
15.24% – 19.24% variable |
Annual Fee
$0 introductory annual fee for
the first year, then $65 |
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American Express Business Cards
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The Business Gold Rewards Card® from American Express OPEN |
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- Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card in the first 3 months of Card membership†.
- Earn points even faster to get more rewards for your business.
- 3X points on airfare purchased from airlines. 2X points at US gas stations.
- Up to $100,000 in each category per year, then 1 point.
- Terms and limitations apply.
- Reduce travel costs, show appreciation for employees and clients, and offset everyday expenses by using points to get something back and grow your business.
- $0 introductory annual fee for the first year, then $175.
- †Apply online to qualify for this offer. See offer terms for details.
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
N/A* |
Annual Fee
$0 intro for the first year,
then $175 |
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SimplyCash® Business Card from American Express |
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- With no annual membership fee, it’s a smart choice for your business
- Automatic cash back – cash back is earned on eligible purchases and automatically credited to your statement
- 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers
- 3% at U.S. gas stations
- 1% on other purchases
- Up to $12,000 in purchases in each 5% and 3% category per rebate year, then 1%.
- Terms and limitations apply
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Intro Purchase APR
0% for 6, 9, or 12 months* |
Intro Balance Trans. APR
N/A* |
APR
12.24% – 19.24% Variable |
Annual Fee
N/A* |
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American Express Credit Card Application
When people think of American Express, they either associate them with charge cards or business credit cards. The fact is that American Express has transformed themselves into a company that issues credit just like most any other credit card issuer. They still offer their traditional charge and business products though, but they have some attractive consumer credit cards that let you carry a balance if you need to. American Express credit card applications are fairly simple to fill out online. They try to return a decision on those applications within 60 seconds, but sometimes they will need a little more time to review. So if they say that they need more time, don’t assume that you have been declined.
American Express Credit Card Offers with Rewards
If you are looking for a credit card that has reward features such as travel and cash back, there are American Express Card offers for you. Their membership rewards program is highly regarded and is consistently rated amongst the top in the industry. If you are part of their membership rewards program that earns points, you can use those points to pay for your travel, merchandise at select retailers, or purchasing of gift cards. You are also to shop online through their site at select retailers and earn bonus points when you make a purchase. The key to maximizing your earning potential is to use your card for all of your purchases. Sometimes your cable company and insurance agent will take a credit card. Make sure you pay those charges off every month as you don’t want to have to pay interest on them. That would defeat the purpose of earning rewards.
Where is American Express Cards Accepted?
American Express Cards are accepted in more places than you think. There are millions of retailers, restaurants, and other business locations around the world that accept their cards. From personal experiences, I would have to say that 90% of the restaurants and retailers that I frequent will take their card. Sometimes the retailers only display the Visa and MasterCard logos even though they accept American Express credit cards for payment. The reason why they do this is because it costs less for the retailer to do a transaction for a Visa or MasterCard. Your loyalty needs to be with what is in your wallet and not your retailer’s. With the excellent rewards programs that American Express offers, you may want to have the savings go into your pocket and not the retailer.
