American Express
American Express is a well-respected company that has served travelers and ordinary borrowers for many decades. Originally they were formed to help travelers who required financial services while abroad. At present, they are better known as one of the issuers of "plastic," i.e., credit cards. Some of American Express's card offerings are not the same as other true credit cards. That is, they do not allow one to maintain a revolving balance -- the full amount must be paid off each month. This makes it a charge card, but not a true "credit card." American Express has a basic green card, and higher level cards for big spenders. There's a gold "Amex" card, a platinum one, and a very highly desirable, and high-status black American Express card. Some offerings from American Express link the card to one's account at the big-box retailer known as Costco. Spending on one's American Express card during the year yields a rebate check to be redeemed at Costco that is eagerly awaited in February of each year. American Express is an old and venerable company, and highly regarded within and outside the financial sector.
* See the online American Express for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the issuer’s website.
- Earn up to 25,000 Starpoints - enough for up to 6 free nights at a category 1 or 2 hotel.
- Redeem Starpoints (R) for free nights at over 1,000 hotels and resorts in nearly 100 countries and for free flights on over 350 airlines - all with no blackout dates.
- No annual fee for the first year - then $65.
- Stay 2 nights and get the 3rd night free at participating Sheraton (R) Hotels and Resorts worldwide.
- Earn 4 to 5 Starpoints for every dollar you spend at Starwood Preferred Guest Hotels and Resorts.
- Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| No annual fee for the first year - then $65 | 2.9% | 2.90% on Purchases and Balance Transfers for 6 months | 15.24% variable | Yes | N / A |
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Enjoy travel rewards with no restrictions or blackout dates - earn points redeemable for flights on any airline, stays at any hotel, and car rentals with any company
- Redeem travel rewards with as few as 7,500 points, good for a $100 statement credit on any travel purchase
- Feel secure with protection from fraudulent charges and extensions of manufacturer's warranties on eligible purchases
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in your first 3 months of Card membership - redeemable for select gift cards valued at $100!
- The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Express Approval. Get a decision in 60 seconds.
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $125 | N / A | N / A | N / A | N / A | N / A |
- Earn a $25 statement credit with $500 in eligible spending
- No annual fee, 0% intro APR on purchases for up to 12 months, flexibility to pay over time
- Earn up to 5% cash back on eligible purchases at supermarkets, gas stations, drugstores, and more
- No limit on the cash back you can earn
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| None | 0.0% | 0% on Purchases for 6 months | 17.24%-21.24% Variable | Yes | N / A |
- Earn 50,000 Membership Rewards® bonus points when you spend $1,000 in your first three months of Card membership
- Get up to $200 in Airline Fee Credits annually to cover incidental fees with your favorite airline
- Airport Club access for you and your guests
- Platinum Card® Concierge is at your service 24/7 to help with gift buying, reservation making, and more
- FINE HOTELS & RESORTS program offers special upgrades and amenities at more than 600 locations worldwide
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $450.00 | N / A | N / A | N / A | N / A | N / A |
- No annual fee for Costco members
- 0% intro APR on purchases for six months
- Earn cash back wherever you buy, including 3% for gasoline for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, and 1% virtually everywhere else
- Rated 4.5 out of 5 stars in Overall Satisfaction Rating, based on feedback from current TrueEarnings&174; Cardmembers from Costco and American Express
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| No annual fee for this credit card with your paid Costco Membership | 0.0% | 0% on Purchases for 6 months | 15.24% variable | Yes | N / A |
- Earn 25,000 Membership Rewards® bonus points when you spend $1,000 in your first three months of Card membership
- Build up Membership Rewards® points fast - earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
- No annual fee for your first year of Card membership; then $175
- Use Pay with Points at American Express Travel and fly any airline, anytime, anywhere, with no blackout dates or seat restrictions
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| First Year Free, then $175 annual fee | N / A | N / A | N/A | N / A | N / A |
- Earn 20,000 bonus miles with your first purchase and an additional 5,000 bonus miles when you add two Additional Card members to your account - redeem 25,000 miles for a flight
- No annual fee for your first year of Card membership; $95 thereafter
- Check your first bag free on every Delta flight
- Earn two miles for every eligible dollar you spend on qualifying Delta, Northwest, and Delta Vacations purchases
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| No annual fee for the first year, then $95 thereafter* | N/A* | N/A* | 14.50% variable | Yes* | Excellent Credit* |
- Complimentary airport club access, including American Airlines Admirals Club® lounges
- Concierge service to assist with your business needs from gift giving to dinner reservations
- Business Platinum Car Rental program with complimentary enrollment in the Hertz #1 Gold Club®, Avis Preferred®, and Emerald club from National® Car Rental
- The Platinum Office Program, offering access to 1,000 internet-equipped business lounges in 450 major cities worldwide
- Enrollment in the Membership Rewards First® program
- Save 3%-10% automatically on business expenses from FedEx, Hertz®, OfficeMax®, and more with OPEN Savings®
- No pre-set spending limit**
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $450.00* | N/A* | N/A* | N / A | N/A* | Excellent Credit* |
- 7,500 bonus points - redeemable for a $100 statement credit
- 2X points on all dining, hotel, and car rental purchases, and 1 point per dollar for all other eligible purchases
- $100 annual Airline Allowance to cover baggage fees and other incidental in-flight purchases
- The points you earn are good for any airline, hotel, cruise, or car rental, anytime - no blackout dates, no travel restrictions
- Flexibility to pay over time
- 0% intro APR on purchases for 6 months
| Annual Fee | Intro APR | Intro APR Period | Regular APR | Balance Transfer | Credit Quality |
| $75* | 0%* | First 6 months | 17.24, 19.24 or 21.24% | Yes | Excellent Credit* |
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Current Interest Rates
- Update: 02-04-2012
- 12.65% National Average
- 12.88% Low Interest
- 23.00% Reward
- 12.99% Student
- 12.99% Bad Credit
- 17.33% Business
- 14.49% Cash Back
- 14.49% Instant Approval
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