American Express

By updated on April 23, 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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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.
  • You can transfer points to over 20 frequent traveler programs or use points for gift cards at popular stores.
  • Use your Card for retail, dining, travel or groceries, then go online and use points towards your eligible charges.
  • As an added bonus, you can get 15,000 points after you spend $30,000 in purchases on the Card in one year.
  • $0 introductory annual fee for the first year, then $175.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

$175

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

True Earnings® Business Card from Costco and American Express

Editor's Rating

Who uses this card?
This card is best for the established business consumer who has a strong credit history and who routinely shops at Costco.
Learn More Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Balance Transfer Fee

3% ($5 min. )

Annual Fee

None

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.

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

$250

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

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.
  • 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.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Balance Transfer Fee

N/A

Annual Fee

$95

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

PenFed Premium Travel Rewards American Express® Card

Editor's Rating

  • 20,000 bonus points when you spend $2,500 within the first 3 months of opening the Card account
  • Earn 5 points per dollar spent on airfare purchases
  • Earn 1 point per dollar spent on all other purchases
  • Two complimentary Lounge Club visits at airports around the world upon spending $15,000 on the Card in a calendar year
  • Ability to redeem points for a range of rich rewards, including travel, brand-named merchandise, and gift cards at PenFedPremiumRewards.com

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

4.99%

Balance Transfer Intro Period

promotional balance transfer rate for 48 Months on Balance Transfers made between April 01, 2014 through June 30, 2014

Balance Transfer Fee

3%

Annual Fee

$0

TrueEarnings® Card from Costco and American Express

Editor's Rating

  • 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
  • Terms and restrictions apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Balance Transfer Fee

See terms

Annual Fee

$0

No Annual Fee with your paid Costco Membership

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

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Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

$175

$0 introductory annual fee 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.
  • 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.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

See more

Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Balance Transfer Fee

See terms

Annual Fee

$0

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.
  • Flexible Ways to Earn: earn 1 point for virtually every dollar you spend on eligible purchases.
  • Flexible Bill Payments: pay your bill all at once or over time.
  • No annual fee, 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 17.24%- 22.24%.
  • Terms and Restrictions Apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Balance Transfer Fee

See terms

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
  • You can check your first bag for free and save up to $50 on a round-trip Delta flight
  • 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
  • Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
  • $0 introductory annual fee for the first year, then $95
  • Terms and limitations apply

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

$95

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

Starwood Preferred Guest® Business Credit Card from American Express

Editor's Rating

  • Starpoints® bonus: Earn up to 25,000 bonus points
  • Earn 10,000 Starpoints® after your first purchase on the Card and another 15,000 after you spend $5,000 in purchases on the Card within the first 6 months of Card Membership
  • Starpoints® redeemable towards Free Hotel Nights at over 1,100 hotels in nearly 100 countries worldwide -- with no blackout dates
  • Earn 2 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the SPG® program
  • Earn 1 Starpoint® for each dollar of eligible purchases
  • $0 introductory annual fee for the first year, then $65
  • Terms and limitations apply

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

$65

$0 introductory annual fee for the first year, then $65

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.
  • There are no foreign transaction fees with purchases made on your Platinum Card.
  • Platinum Card Concierge is your personal resource to help secure a last minute restaurant reservation, or shop for a hard-to-find gift.
  • Terms & restrictions apply.

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Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

None

Annual Fee

$450

Starwood Preferred Guest® Credit Card from American Express

Editor's Rating

  • 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.
  • Earn up to 5 Starpoints® for each dollar of eligible purchases at participating SPG hotels and resorts - that's 2 Starpoints for using the Card in addition to the Starpoints you earn as an SPG member. Earn 1 Starpoint for all other purchases.
  • Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates. Some hotels may have mandatory service and resort charges.
  • Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
  • No limits on the number of Starpoints you can earn
  • $0 introductory annual fee for the first year, then $65
  • Terms and Restrictions apply.

See more

Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

None

Balance Transfer Intro Period

None

Balance Transfer Fee

See terms

Annual Fee

$65

$0 introductory annual fee for the first year, then $65

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

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

N/A

No annual fee

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
  • Earn one Membership Rewards® point for every dollar you spend
  • Redeem points toward top-tier rewards including travel, merchandise, office equipment, and gift cards for you or your employees
  • $0 introductory annual fee for the first year, then $95
  • Terms & Restrictions Apply.

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

$95

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

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.
  • Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
  • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • 0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.99% to 21.99%, based on your creditworthiness and other factors.
  • Terms and Restrictions Apply.

See more

Apply Now Credit Needed: Excellent

Balance Transfer Intro APR

0%

Balance Transfer Intro Period

15 months

Balance Transfer Fee

See terms

Annual Fee

$75

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

See more

Apply Now Credit Needed: Good

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Balance Transfer Fee

N/A

Annual Fee

None

No annual fee

Fidelity® Investment Rewards® American Express® Card

Editor's Rating

Learn More Credit Needed: Excellent

Balance Transfer Intro APR

0% Fixed

Balance Transfer Intro Period

7 billing_cycles

Balance Transfer Fee

4% ($10 min. )

Annual Fee

None

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.