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(SM) Card from American Express |
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- Earn $100 cash back after spending $1,000 in eligible purchases in the first 3 months of Cardmembership
- 0% intro APR on purchases for 12 months, flexibility to pay over time
- Get 3% cash back at supermarkets, 2% cash back at gas stations and department stores, and 1% cash back on all other purchases
- No spend minimum, No enrollment, and No rotating rewards categories
- Get a $25 Referral Bonus for each friend or family member who is approved for the Card
- No annual fee, flexibility to pay over time
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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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TrueEarnings® Card from Costco and American Express |
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- American Express® Card and Costco Membership Card in one- with no annual fee for Costco members
- Cash back on the things you buy: 3% for the first $3,000 in annual gasoline purchases (1% thereafter), 2% for restaurants, 2% for travel, and 1% everywhere else, including Costco
- Rated 4.5 out of 5 stars in overall satisfaction by current TrueEarnings® Cardmembers from Costco and American Express
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Intro Purchase APR
0% for 6 months |
Intro Balance Trans. APR
N/A* |
APR
15.24% Variable |
Annual Fee
$0* |
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American Express Charge Cards
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American Express(R) Premier Rewards Gold Card |
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- Membership Rewards® bonus: 25K points, redeemable for select gift cards valued at $250, when you spend $2,000 in your first three months of card membership.
- Membership Rewards® points multiply fast! Earn 3X points on airfare, 2X points on gas and groceries, 1X points on everything else.
- Exclusive access to Gold Card Destinations and events – Enjoy special travel packages and amenities at hotels worldwide, as well as select concerts, shows, sporting events, and more.
- Introductory annual fee of $0 for the first year, then $175.
- Get a decision in as little as 60 seconds.
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
N/A* |
Annual Fee
$0 for the first year,
then $175 |
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The Platinum Card® from American Express |
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- 25,000 Membership Rewards® points when you spend $2,000 during your first three months of Card membership.
- Global Travel Benefits: Access over 600 lounges worldwide with Priority Pass(TM) Select, no foreign transaction fees, skip U.S. customs lines with Global Entry.
- Enroll and select an airline to receive up to $200 annually in statement credits for incidental fees such as checked bags, in flight refreshments, and change fees.*
- Receive a companion ticket for discounted travel when you purchase a qualifying First or Business Class international ticket. Additional charges/taxes apply.
- 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
- Fine Hotel & Resorts Program: exclusive upgrades and amenities at over 700 boutique, resort, and luxury hotels worldwide
- Use Membership Rewards Pay with Points for part or all of your travel and get 20% of those points back every time.
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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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Delta Airlines – Gold Delta SkyMiles® Credit Card |
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- Earn 30,000 bonus miles toward Award Travel when you spend $500 on the Card in the first three months from account opening
- $0 intro annual fee for the first year, then $95
- Check your first bag Free – for up to 9 people on your reservation – on every Delta flight
- Receive double miles on Delta purchases and 1 mile for all other eligible dollars spent
- Priority Boarding and 20% In-Flight Savings
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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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- 7,500 bonus points when you spend $1,000 within 3 months – redeemable for a $100 statement credit.
- No annual fee.
- Travel rewards with no blackout dates or travel restrictions. Redeem with any airline, any car rental, any hotel – anytime.
- Pay your bill all at once, or over time. It’s up to you.
- Blue Savings Program®: big deals on big brands, all the time.
- Get a decision in as little as 60 seconds..
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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: 10K with your first purchase and another 15K when you spend $5k within 6 months – enough for up to 6 free nights at a category 1 or 2 hotel
- Free nights, free flights: Redeem Starpoints with over 350 airlines through SPG Flights and more than 1,000 hotels and resorts worldwide. No blackout dates
- 2011 SmarterTravel® Award for “Best Travel Rewards Card”
- $0 introductory annual fee for the first year, then $65
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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 $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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- For a limited time: Earn 5X points on shipping and advertising for the first 3 months of Card membership.
- Earn points even faster to get more rewards for your business
- 3X points on airfare, 2X points on advertising, gas, and shipping, 1X points on everything else*
- One million rewards from over 500 brands
- 24/7 support for everything from identity theft to travel emergencies
- $0 introductory annual fee for the first year, then $175
- Get unlimited Additional Gold Cards for an additional annual fee of $50 – and this fee is waived for the first year
- Terms & Restrictions Apply.
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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 OPEN |
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- Get 5% cash back on wireless services and office supply purchases*
- Get 3% cash back on automobile gasoline*
- Get 1% cash back on other purchases*
- No limit to the amount of cash back you can earn
- Cash back on purchases is automatically credited to your statement each month
- Save 3%-10% automatically on business expenses from FedEx, Hertz® , OfficeMax® , and more with OPEN Savings®*
- No annual membership fee
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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
$0* |
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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.
