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American Express Cards
Find the American Express credit card offer that is right for your personal or small business needs.
|  | | - Option to enroll in the Membership Rewards Express® Program fee-free
- There's no limit to the number of points you can earn
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
- 0% APR for the first 12 months
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 8.99%-15.99% | 0% | 12 months | $0 | 25 days | $19
to $38 | $30 | Excellent |
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|  | | - Business ownership has become more rewarding
- Earn up to 40,000 bonus points in one year - enough for one domestic round-trip airline ticket plus other business supplies.
- Points have no expiration date
- No limit to the number of Membership Rewards® points you can earn
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | N/A | N/A | N/A | $125 | 20 days | $30 | $30 | Excellent |
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|  | | - Earn 5% cash back on auto gas, office supplies, and wireless services, and 1% cash back on virtually all other purchases.
- 0% introductory APR on purchases for the first 12 months and a competitive APR thereafter.
- Cash back is automatically credited to the statement each month.
- No annual fee with the flexibility to pay in full or carry a balance.
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 6.00%-15.99% | 0% | 12 months | $0 | 25 days | $15
to $35 | $35 | Good |
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|  | | - Up to 5% Cash Back on virtually all purchases
- No limit to the cash back you can earn
- No annual fee
- 0% Intro APR for first 6 months
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 8.99%-15.99% | 0% | 6 months | $0 | 25 days | $15
to $35 | $35 | Excellent |
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|  | | - Earn 10,000 Starpoints® with your first purchase - that's good for up to 3 free nights!
- Earn 1 Starpoint® for virtually every dollar you spend and 2 Starpoints® at participating Starwood hotels and resorts
- Redeem at over 825 participating Starwood hotels and resorts in 95 countries including Sheraton®, Westin® and W Hotels®
- Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 15.99% | 2.90% | 6 months | $45 | 20 days | $29 | $0 | Excellent |
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|  | | - Receive 5,000 bonus points on your first purchase
- No preset spending limit* or finance charges
- Earn One Membership Rewards® point for virtually every dollar you spend with no limits and no expiration dates
- Save 3-25% on business purchases at companies like FedEx®, Delta®, Hertz®, and more
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | N/A | N/A | N/A | $95 | 25 days | $0
to $30 | $30 | Good |
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|  | | - Earn one INSIDE(SM) Rewards point for virtually every eligible dollar you spend, whether you're in Los Angeles or not.
- Points have no expiration date and you can redeem points for rewards in Los Angeles, Chicago and New York.
- 0% APR for 6 months
- No Annual Fee
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 9.99%-16.99% | 0% | 6 months | $0 | 20 days | $29 | $0 | Excellent |
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|  | | - 0% introductory APR on purchases for the first 15 months
- No annual fee
- Enroll in the Membership Rewards Express® program for free
- Save money with OPEN Savings®
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 8.99%-15.99% | 0% | 15 months | $0 | 25 days | $19
to $38 | $35 | Excellent |
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|  | | - No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
- Automatic Rewards. You'll get an American Express® branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
- Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
- No annual fee and 0% intro APR for up to 12 months.
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 11.99% | 0% | 12 months | $0 | 20 days | $15
to $35 | $35 | Excellent |
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|  | | - No annual fee for the first year - $125 Thereafter
- Earn 10,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $100 gift card!
- No pre-set spending limit
- The Membership Rewards® program - Earn 1 Membership Rewards® point for virtually every dollar you spend. You can redeem points for your choice of truly exceptional travel, shopping, and entertainment rewards
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | N/A | N/A | N/A | $125 | 20 days | $0
to $30 | $30 | Excellent |
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|  | | - Earn Cash Back - 3% for gasoline, 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- No Annual Fee with your paid Costco Membership
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- The flexibility to pay charges over time
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 15.99% | 0% | 3 months | $135 | 20 days | $15
to $35 | $35 | Excellent |
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|  | | - Earn 15,000 bonus SkyMiles® after your first purchase with the Card
- Earn 2,500 bonus miles for adding an Additional Cardmember with their application
- Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations and more
- Earn one SkyMile for virtually every dollar you spend
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 15.99% | N/A | N/A | $85 | 20 days | $15
to $35 | $35 | Excellent |
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|  | | - Earn points on everything you buy with the Card.
- Redeem points to save on any airline, hotel, rental car or cruise - up to $100 off for every 7,500 points.
- Earn 1 point for every dollar you spend
- Travel anytime: No blackout dates or restrictions
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 10.99%-15.99% | 0% | 6 months | $0 | 20 days | $15
to $35 | $35 | Excellent |
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|  | | - "Best Cash-Rebate Card" by Kiplinger's Personal Finance*
- Up to 5% Cash Back with Unlimited Cash Rewards
- Earn unlimited cash back
- 0% Intro APR for 6 months on purchases
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 10.99%-15.99% | 0% | 6 months | $0 | 25 days | $15
to $35 | $35 | Excellent |
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|  | | - No annual fee for the first year - $95 thereafter.
- Earn 5,000 Membership Rewards® bonus points after your first purchase with the card - redeemable for a $50 gift card!
- The Membership Rewards® program also lets you transfer points to 11 frequent flyer programs: 1 point = 1 frequent flyer mile or frequent guest credit for most programs.
- Purchase Protection Plan protects eligible purchases made with the Card against accidental damage and theft for up to 90 days from the date of purchase.
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | N/A | N/A | N/A | $95 | 20 days | $0
to $30 | $30 | Good |
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|  | | - Membership Rewards Express(SM) program
- 0% APR on purchases for up to 15 months
- No Annual Fee
- Low Balance Transfer APR - 4.99% Fixed APR for the life of the balance
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 9.99%-16.99% | 0% | 15 months | $0 | 20 days | $15
to $35 | $35 | Excellent |
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|  | | - 5% for buying gas.
- 3% for dining out.
- 2% for travel purchases from airline, lodging, car rental, cruise line, travel agency and tour operator merchants.
- 1% on all other Eligible Purchases.
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 15.99% | 0% | 3 months | $135 | 20 days | $15
to $35 | $35 | Excellent |
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|  | | - Earn 10,000 Starpoints® with your first purchase - enough for up to 3 free nights at a category 1 or 2 hotel.
- Earn 15,000 bonus Starpoints® after you spend $15,000 in 6 months
- Winner - "Best Affinity Credit Card" at the 19th Annual Freddie Awards - voted on by frequent travellers
- Use Starpoints® for free nights and upgrades at over 825 participating Starwood hotels and resorts in 95 countries
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 15.99% | 2.90% | 6 months | $45 | 20 days | $29 | $0 | Excellent |
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|  | | - Earn 20,000 bonus SkyMiles® (including 5,000 Medallion Qualification Miles) after your first purchase
- Earn Always Double Miles® on every eligible dollar you spend at supermarkets, drugstores, gas stations, home improvement/hardware stores and the U.S. Postal Service
- Earn Double Miles when you use your Card to pay your wireless phone bill and for Delta purchases
- Earn one mile for every dollar on other eligible purchases
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| APR | Intro APR | Intro APR Period | Annual Fee | Grace Period | Late Fee | Overlimit Fee | Credit Needed | | 15.24% | N/A | N/A | $135 | 20 days | $15
to $35 | $35 | Excellent |
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