Compare American Express Credit Cards

Take a look at the different credit cards American Express has to offer and find the one that meets your needs.

American Express has 117.8 million cardholders as of the end of 2015, and operations in over 130 countries, worldwide. Founded in 1850, American Express has spent over a century growing into a brand that customers can trust and developing a top-tier products. This company seeks to not only lend money where it’s needed, but also provide insight and experience to its consumer base.

If you’re looking for a credit card, prepaid card, or even a gift card, American Express is going to have options to suit almost any need. Credit cards are available for personal use, small business, and corporations. Within the personal cards, you can find reward cards that feature travel, cashback, or reward points.

Rates last updated July 25th, 2017
Name Product Product Description Intro APR for Balance Transfer APR for Purchases ( Purchase Rate ) Annual fee
Plenti® Credit Card from Amex
Earn 5,000 Plenti® points after you spend $250 in purchases on your Plenti® Credit Card from Amex within your first 3 months of Card Membership.
15.9925.99% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
15.99% to 25.99% variable
$0
Platinum Delta SkyMiles® Credit Card
Earn 5,000 Medallion® Qualification Miles (MQMs) and 35,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 3 months.
16.2420.24% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
16.24% to 20.24% variable
$195
Gold Delta SkyMiles® Credit Card
Earn 30000 Bonus Miles after you make $1,000 in purchases on your new Card within your first 3 months and a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months.
16.7425.74% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
16.74% to 25.74% variable
$0 intro annual fee for the first year, then $95.
Delta Reserve® Credit Card from American Express
Earn 10,000 Medallion® Qualification Miles (MQMs) and 10,000 bonus miles after your first purchase on the Card.
16.7425.74% Intro APR for 60 days of account opening (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
16.74% to 25.74% variable
$450
Platinum Delta SkyMiles® Credit Card
Earn bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $4,000 in purchases on your new Card in your first 4 months. In addition, earn a $100 statement credit after you make a Delta purchase with your new Card within your first 4 months.
16.4925.49% Intro APR for 60 days (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
16.49% to 25.49% variable
$195
American Express® Green Card
Shop with more confidence
No interest charges because you pay your balance in full each month
$0 annual fee for the first year ($95 thereafter)
Premier Rewards Gold Card from American Express
More Points. More Rewards.
No interest charges because you pay your balance in full each month
$195 for the Premier Rewards Gold Card and $0 for the Basic Card
The Platinum Card® from American Express
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com.
No interest charges because you pay your balance in full each month
$550
Blue Cash Everyday® Card from American Express
EARN $100 BACK after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $100 back in the form of a statement credit.
0%% Intro APR for first 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
13.99% to 24.99% variable
$0
Blue Cash Preferred® Card from American Express
EARN $150 BACK after you spend $1,000 in purchases on your new Card in your first 3 months. You will receive the $150 back in the form of a statement credit.
0%% Intro APR for first 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
13.99% to 24.99% variable
$95
Amex EveryDay® Credit Card
Earn 10000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
0% Intro APR for first 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
13.99% to 23.99% variable
$0
Amex EveryDay® Preferred Credit Card
Earn 15000 Membership Rewards® Points after you use your new Card to make $1,000 on purchases on your new Card in your first 3 months.
0% Intro APR for 12 months (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
13.99% to 23.99% variable
$95
Starwood Preferred Guest American Express Credit Card
Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
16.24% to 20.24% variable% Intro APR for 60 days (with $5 or 3% of the amount of each transfer, whichever is greater% balance transfer fee)
16.24% to 20.24% variable
$0 annual fee for the first year ($95 thereafter)
USAA Classic American Express®
Get access to rental car collision damage and waiver coverage (don’t worry about physical damage to your rental car) and travel benefits.
18.40% - 24.40% variable
$35
USAA Secured Card American Express®
You can get travel benefits (no foreign transaction fees), retail benefits and collision damage waiver coverage on your rental car.
10.65% and 20.65% variable
$35
USAA Cashback Rewards Plus American Express® Card
Get high cash back rewards on most purchases, including gasoline, groceries and military base purchases.
12.40% - 26.40% Variable
$0

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Awards

  • Largest credit card issuer. American Express is the largest credit card issuer by purchase volume.
  • Fortune 500 ranked. American Express stands at #85 in the Fortune 500 Ranking of top U.S. business.
  • Most admired company. On the World’s Most Admired Company list, American Express nears the top at #11.

Types of American Express Credit Cards

American Express offers a variety of credit cards to meet both personal and business needs. It doesn’t just stop at credit though; American Express also offers a variety of prepaid and gift cards. Each card offers its own range of features to suit different banking needs, with annual fees as low as $0, and welcome offers that include upwards of $300 back.

Benefits of banking with American Express

American Express has the experience of over a century behind their products. Not only are the products offered refined, but each card carries different benefits including those outlined below:

  • 24/7 account access. A mobile app, mobile website, and full website make accessing your account from anywhere at anytime a breeze. The Amex Mobile application is offered by American Express to keep cardholders in control of their banking. Mobile alerts can be set up to send push notifications whenever the card is charged or suspicious activity arises. Rewards can also be used, nearby offers can be found, and statements can be downloaded instantly using the application.
  • Reward redemption options. With American Express rewards you can choose how to put your payoffs to use. Travel options including airlines and hotels around the world, donating your rewards to the charity of your choice, redeeming points for gift cards at value, and covering your cross-town fare with Uber are just some of the options cardholders have.
  • Offers all over. Nationwide offers are available to cardholders on the daily. Events can be found in everywhere from Aurora, IL to London, EN. Special offers on prices, invitations, and select seating are all offered to cardholders for various events. Some events even include Prepaid and International cardholders, allowing more than just the traditional customers in on the fun.

How to apply for a credit card with American Express

Eligibility criteria:

  • Applicants must be 18 years of age or older to apply
  • Applicants must have a valid social security number
  • Corporate applicants must have over $25 million in annual revenue

To complete the application, have the following information and documents ready.

Required documents:

  • Full name and date of birth
  • Street address and phone number
  • Valid email address
  • Total annual income

Frequently asked questions

External review sites such as this one exist to help outline the benefits of each card. American Express also offers a comparison tool on their website to assist you in finding which card has the features you want.

American Express does not charge extra fees for online banking. If you are using a mobile device, you are responsible for any standard operating costs for using the internet, text alerts, or the mobile app that your carrier charges.

Setting up your username and password for your American Express online banking is part of the online application.

Your monthly billing statement is available through the American Express website and through the mobile app.

The interest on your purchases, cash advances, and balance transfers is calculated using the Daily Periodic Rate and the number of days in the billing cycle. These are multiplied together and then multiplied by the average of your daily balances. You can avoid paying interest by paying off the entire amount owed before the end of a billing cycle.

Some American Express credit cards carry annual, balance transfer, and cash advance fees. There are also certain cards that charge a foreign currency conversion fee. Some fees, such as the late payment fee, can be avoided by abiding to the card agreement.

Several types of protection are offered when using a credit card through American Express depending on the card chosen. The card’s terms and conditions will inform you on which plans are included on your card.

Purchase protection will cover transactions that include merchandise that has been stolen or accidentally damaged. There is usually a limited amount of time post-purchase that the coverage is valid, and there may be a minimum purchase amount to qualify for a refund.

Extended warranties may be available for certain purchases. These usually extend the manufacturer’s warranty by a predetermined amount of time, usually one year. Warranty protection and extension may not be available if you do not register the purchase with the manufacturer.

Return coverage can protect you against denied returns for some transactions. There is typically a window of time in which an item may be returned to the merchant. If the item is not accepted it is possible that the purchase price can be refunded through the card issuer.

American Express allows cardholders to make one-time payments or automatic bill payments with their card. Payments will also qualify for rewards back when using any card with a rewards program.

Credit limit increases for American Express credit cards may be available to you as your credit score increases. To successfully apply for an increase, it is suggested that you first develop a history of paying bills in a timely fashion and for more than the minimum amount required.

It is important to contact American Express as soon as you realize you’ve lost a card or had it stolen. There are specific customer service lines associated with different cards, but if you are unfamiliar with yours, you can call 1-800-528-4800. Make sure to have pertinent card information available when you call including your card number and account number.

The APR for purchases, balance transfers, cash advances, and penalty APRs will all vary with the market based on the Prime Rate.

As soon as you reach the number of points needed to qualify for a reward you can redeem them. There is no minimum balance of reward points that you must keep.

Rewards are earned through spending. Depending on the card you have and the terms of the reward program, you may earn a point-for-dollar reward. There are certain cards that allow for double or triple reward points with qualifying purchases, as well as cards with welcome offers that give bonus rewards. In order to find out what points you earn and how, refer to the specific card policy.

Most cards can be cancelled by calling the phone number listed on the back. In the event that you don’t have the number available, you can call 1-800-528-4800 for help cancelling your account, 24/7.

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US Credit Card Offers

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Luxury Card MasterCard® Gold Card™
Luxury Card MasterCard® Gold Card™

APR

15.74

Annual fee

0 For the first year
More info
First Access Visa Card
First Access Visa Card

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum MasterCard®
Indigo® Platinum MasterCard®

APR

23.9
variable

Annual fee

75 For the first year
More info
Barclaycard Ring™ Mastercard®
Barclaycard Ring™ Mastercard®

APR

13.99
variable

Annual fee

0 For the first year
More info
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