American Express

By updated on April 24, 2014

The American Express company has long been synonymous with quality and trustworthiness. The world's largest credit card company in terms of purchase volume, American Express has grown from offering just one charge card that had to be paid in full each month to an array of credit and charge cards to meet varying financial needs. American Express offers credit cards with flexible payment options as well as those that require payment in full at each statement. There are AmEx credit and charge cards for individuals, small businesses and corporations.

Who is American Express?

Known for top-notch customer service and generous rewards for loyal customers, American Express has an excellent reputation among credit card companies. American Express offers cards for personal, business, and corporate use, as well as prepaid cards. The company also offers cards meant for those who want to earn airline miles, hotel stays, and other perks that come from using their card on a regular basis.

Get the best of the best with American Express. American Express offers credit cards for those with excellent credit. The world's largest card issuer by purchase volume, American Express has a reputation for quality service and loyal customers.

Who can obtain an American Express card?

American Express requires an excellent credit or very good history and high credit score in order to qualify for any of their cards. American Express is one of the few credit card companies that limits its offerings to credit and charge cards for excellent credit. If you are not sure of your credit score, be sure to check your credit report before you apply. You may have to work to improve your credit score before you are eligible for an American Express card. 

Though some American Express cards require the balance to be paid in full each month, there are cards available that offer flexible payment schedules, such as the Blue series. American Express offers a wide variety of cards and customer service representatives who can help you choose the right one for your needs.

What cards does American Express offer?

American Express offers a wide variety of credit cards, which allow you to carry a revolving balance, and charge cards, which must be repaid in full each month, to suit any lifestyle.  Typically you can get a high credit limit on a charge card, but you must be able to pay off any charges within about 30 days. Think about how you will use your credit card before you decide which type of card is right for you.

Personal credit cards are available with a variety of credit limits and rewards programs. Business cards with flexible credit terms can make life easier for small business owners, while corporate card programs can handle the credit needs of even the largest companies. Prepaid cards through American Express are an excellent option for teens who want a jumpstart learning to manage finances.

Which American Express card is right for me?

Take your time in examining each card available to you before making a final choice. Since American Express requires excellent credit, check your credit report before applying.

To determine which American Express card is perfect for your wallet, consider what you need most in a credit card or charge card. Are you looking for flexible payments? Do you need a very low interest rate? Are you looking for a card that offers a high credit limit, so you never have to wonder what your balance is? American Express partners with choice airlines and hotels in order to bring you even more perks while traveling.  Think about your priorities.

  • Travel credit card and charge cards. If you are interested most in a travel charge card, you may want to consider the American Express Premier Rewards Gold Card.
  • Co-branded credit cards. Some American Express credit cards are co-branded with hotel chains and airlines such as Delta, JetBlue and Starwood. If you typically use one particular company for travel, you may want to explore the rewards programs of these cards to see if you can accumulate rewards more quickly.
  • Cash back credit cards. If you are not a frequent traveler, you may be more interested in the Blue Cash Everyday Card from American Express. This credit card allows flexible repayments and has no enrollment to participate in the rewards program.
  • Business credit and charge cards. American Express also offers a business card to help manage cash flow and earn cash back rewards.

If you think you are ready for an American Express credit card, browse the offers on this page to see if one meets your needs.

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Blue Cash Preferred® Card from American Express

Editor's Rating

  • Get 100 Reward Dollars, redeemable for a $100 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items. Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Special Offer

0% intro APR on purchases and balance transfers for 15 months 

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$75 

American Express® Premier Rewards Gold Card

Editor's Rating

  • Get 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.
  • Earn Fast: 3X points for flights booked with airlines, 2X points at US gas stations and US supermarkets, 1X points on other purchases. Terms and limitations apply.
  • Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Special Offer

Get 25,000 Membership Rewards® points after you spend $2,000 on purchases on your new Card in your first 3 months of Card Membership.

Purchase APR

N/A 

Annual Fee

Introductory annual fee of $0 for the first year, then $175 

Blue Cash Everyday® Card from American Express

Editor's Rating

  • Get 50 Reward Dollars, redeemable for a $50 statement credit, after you make $1,000 in purchases with your new Card in the first three months.
  • Plus, get one year of Amazon Prime after you sign up for a new membership with your Card and meet the spending requirement in the same time period.
  • As an Amazon Prime member, you get unlimited FREE Two-Day Shipping on millions of items. Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Special Offer

No annual fee, 0% intro APR on purchases and balance transfers for 15 months 

Purchase APR

12.99% - 21.99% Variable

Annual Fee

$0 

The Blue for Business® Credit Card from American Express

Editor's Rating

  • Earn a 30% annual Relationship Bonus -- without an annual membership fee. Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership -- valued at up to $100 in gift cards at select merchants
  • No annual fee for Additional Cards for Employees. Get a low introductory APR on purchases for 9 months. Use points to reinvest in your business and reward your employees and clients. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment.
  • Terms & Restrictions Apply
Apply Now Credit Needed Good

Special Offer

Get 10,000 Membership Rewards® points after making your first purchase on the Card within your first 3 months of Card Membership -- valued at up to $100 in gift cards at select merchants

Purchase APR

11.24% - 19.24% Variable

Annual Fee

No annual fee 

The Plum Card® from American Express OPEN

Editor's Rating

  • Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Do business on your terms.
  • Pay no annual Membership fee for your first year. Then, pay $250 annually. No annual fee for Employee Cards.
  • Terms & Restrictions Apply.
Apply Now Credit Needed Good

Special Offer

Do Business On Your Terms 

Purchase APR

N/A 

Annual Fee

$0 introductory annual fee for the first year, then $250 

The Business Gold Rewards Card from American Express OPEN

Editor's Rating

  • Get 25,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within the first 3 months of Card Membership.
  • Built with business-sized purchasing power and fast rewards. 3X points on airfare purchased directly from airlines. 2X points on US purchases for advertising in select media, shipping, at gas stations, and made directly from select computer hardware, software, and cloud computing providers. Up to $100,000 in each category per year, then 1 point. Use points to entertain clients, reward employees, reduce travel costs, or just offset the everyday expenses of moving your business forward.
  • Terms and limitations apply
Apply Now Credit Needed Good

Special Offer

Built with business-sized purchasing power and fast rewards 

Purchase APR

N/A 

Annual Fee

$0 introductory annual fee for the first year, then $175 

Blue Sky from American Express®

Editor's Rating

  • Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.
  • Unlimited Travel Options: Every 7,500 points that you earn can be redeemed for a $100 statement credit toward any airline ticket, any hotel stay, car rental or cruise.
  • Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Special Offer

Welcome Bonus: Earn 7,500 Bonus Points after you use your new Card to make $1,000 in purchases within the first 3 months.

Purchase APR

17.24% - 22.24% Variable

Annual Fee

$0 

Gold Delta SkyMiles® Business Credit Card from American Express

Editor's Rating

  • Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months
  • Additionally, earn a $50 statement credit after you make a Delta purchase with your new Card within your first 3 months
  • Terms and limitations apply
Apply Now Credit Needed Good

Special Offer

Earn 30,000 bonus miles after you make $1,000 in purchases on your new Card within your first 3 months

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$0 introductory annual fee for the first year, then $95 

SimplyCash® Business Card from American Express

Editor's Rating

  • Limited Time Offer: You can get a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership. To be eligible for this offer, you must be approved by April 28, 2014. With no annual membership fee, it's a smart choice for your business.
  • 5% at U.S. office supply stores & on wireless telephone services purchased directly from U.S. service providers; 3% on the category of your choice; 1% on other purchases; 5% and 3% apply to purchases up to $25,000 per rebate year then 1% thereafter. Cash back earned is automatically credited to your statement.
  • Terms and limitations apply
Apply Now Credit Needed Good

Special Offer

Limited Time Offer: You can get a $250 statement credit after you spend $3,000 on qualifying purchases within the first 3 months of Card Membership. To be eligible for this offer, you must be approved by April 28, 2014.

Purchase APR

12.24% - 19.24% Variable

Annual Fee

No annual fee 

Gold Delta SkyMiles® Credit Card from American Express

Editor's Rating

  • Earn 30K bonus miles after you make $1K 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.
  • Earn As You Spend: Get 2X miles on Delta purchases and 1X miles for all other eligible dollars spent.
  • Terms and Restrictions Apply.
Apply Now Credit Needed Excellent

Special Offer

Earn 30K bonus miles after you make $1K 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.

Purchase APR

15.24% - 19.24% Variable

Annual Fee

$0 intro annual fee for the first year, then $95 

Business Green Rewards Card from American Express OPEN

Editor's Rating

  • Receive 5,000 bonus points on your first purchase
  • No pre-set spending limit* or finance charges
  • Terms & Restrictions Apply.
Apply Now Credit Needed Good

Special Offer

5,000 bonus Membership Rewards® Points 

Purchase APR

N/A 

Annual Fee

$0 introductory annual fee for the first year, then $95 

Platinum Card® from American Express

Editor's Rating

  • Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.
  • With the Platinum Card, you can receive up to $200 a year in statement credits for airline incidental fees like checked bags fees, flight-change fees, and snacks.
  • To receive the statement credit, you need to enroll and select a qualifying airline. Terms & restrictions apply.
Apply Now Credit Needed Excellent

Special Offer

Earn 40,000 points after you spend $3,000 on purchases on your new Card in your first 3 months.

Purchase APR

N/A [You must pay your balance in full each month] 

Annual Fee

$450 

These quotes are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.