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American Express offers a wide range of charge cards and credit cards to meet the needs of almost any consumer or business. Consistently voted high in consumer satisfaction surveys, American Express prides itself on a superb level of customer service. All AmEx cards offer 24/7 support, and a select number even include concierge service.
The best AmEx card for you will be the one that matches your spending habits, with the lowest cost to you.
American Express Credit Card or Charge Card?
Additionally, when selecting an American Express card, decide whether you will need to carry a balance or not. The traditional AmEx cards are charge cards, which means you'll need to pay the balance in full each month (regardless of its size). And contrary to popular belief, charge cards do have spending limits that cannot be exceeded each month, unless you deposit money to extend your limit. On the contrary, there are several AmEx cards available that are true credit cards, wih revoling lines of credit that can be paid over time, making these ideal for people who cannot pay in full.
Typically, American Express cards require good to excellent credit. If your credit score is lower than this, you should take steps to improve your credit first. Consider opting for unsecured or secured credit cards to rebuild your credit. Once your credit score increases sufficiently, then apply for an AmEx credit card.
American Express Credit Card
All card listed on this page is an American Express credit card. View and compare the American Express cards below. Apply for the AMEX credit card of your choice by completing a secure online application. AMEX credit cards are designed for people with good to excellent credit.
What to Consider When Deciding on an American Express Credit Card
There are many great credit card deals out there these days, just calling to consumers who want to take advantage of special promotions. When many people think of getting an American Express credit card, most don't realize that the card issuer offers a financial product for nearly everyone, and for a wide range of credit scores. While it is essential to be aware that the most ideal credit card offers from American Express are only available to the most desirable customers, with credit scores in the 750 and above range, they do offer cards for people who are new to credit, and even a prepaid card for those with damage credit. When opting for any American Express credit card, here are some issues to take into consideration.
1. Do you want to pay you balance in full or over time?
Are you planning to keep an account balance, or pay entirely each billing cycle? Do you want to transfer a high-interest balance from one credit card to a different card? The replies to these kinds of questions should help push you to discover the most ideal American Express credit card that matches your requirements. Should you decide to pay the total in full on a monthly basis, look at a rewards credit card, or a charge card. Or if you intend to carry a balance some months, pick a card that provides the most competitive continuous interest rate.
2. Charge card or credit card?
Most of the large credit issuers like Visa, MasterCard, and Discover only offer credit cards. American Express offers both credit cards as well as charge cards. The distinction between these different types of cards is straightforward to understand: credit cards present you with a revolving personal line of credit; on the other hand, charge cards have to be paid off entirely each billing cycle. The card you decide on should depend on if you will hold a balance or not, along with the volume of charges you intend to make each billing cycle.
3. Is an annual fee worth it?
In simple terms, whenever you can it's best to pick the credit card that has the most reduced yearly fees, and whenever plausible, select a card with no yearly fee. But, this can be tricky. To illustrate: should you choose a charge card, typically you will have to pay an annual fee (because American Express cannot charge interest on these cards). But by comparison many credit cards promote a low (or no) introductory fee for the first year, only to charge the full fee each subsequent year, along with any interest that may accrue while you carry a balance. This is why it's crucial to read the terms for every card you might apply for, making sure you understand what the fees are and when you'll be charged.
4. If you want rewards, make sure you're likely to use them.
American Express credit cards offer some of the best rewards around, including access to concierge services and access to special entertainment and concerts. And you don't need to possess the Centurion or Platinum card to get these (even the American Express Prepaid card offers perks unique to any American Express). But American Express offers many different cards with different types of rewards (including bonus points and perks for travel, hotel accommodations, home expenses/repairs, retail shopping, etc.). It's important, before considering one of these cards, to examine how you spend money, and choose the right card that will maximize your rewards and not derail them.
By clicking the American Express credit card application link you will be directed to the credit card issuer's website. The American Express credit card website contains a full listing of the terms and conditions that govern their credit cards. It is important to review these terms and conditions, because while every attempt is made to present complete and accurate information here, the claims made on this page are for promotional purposes only. Any and all details, rules, and offers listed on the American Express credit card website supersede claims made on CreditQ.com.