Founded in 1850, American Express has a long history of working with customers. Today, the company offers a wide range of credit cards to those living all over the globe. If you’re thinking of applying for a new credit card, you may find what you need at American Express. Here are three options to consider as you search.
Blue From American Express®
Blue is a solid choice if you have an established credit history already and want a reward program included in the card. For those that qualify, the card comes with a low interest rate, as well as an introductory offer of 0% APR for up to 15 months. A 4.99% introductory rate is available on balance transfers. There is no annual fee.
The rewards program included with this card does not have an annual limit. You can redeem points when you want to, as they do not expire. The points can be used for a variety of products. Blue also comes with a built-in smart chip. This feature gives you extra security when you make purchases online.
Blue Cash® From American Express®
This is another option for those with good or excellent credit. It comes with a cash back program, and was named the “best cash-rebate card” by Kiplinger’s Personal Finance. If you sign up for Blue Cash, you’ll receive money back as you make purchases. For general purchases, you can earn up to 1.5% in cash back. For transactions that fall into the “Everyday Purchases” category, you can receive up to 5% in rebates. These purchases include those made at gas stations and grocery stores.
The card has no annual fee, as well as a low interest rate for those who qualify. It also comes with a 0% introductory rate. In addition to the cash rewards, this American Express card has other benefits, including a year-end financial statement and travel accident insurance.
Clear From American Express®
Clear is designed for people with a good credit rating who want a simple reward program and no fees. The reward program is set up to give a cash rebate of 1% on all eligible purchases. The rebates come automatically as an American Express shopping card. A $25 card is sent out every time a total of $2,500 has been spent.
A surprising addition to this card is that it has no fees. There are no late fees, no annual fees, no over-the-limit fees, no balance transfer fees, and no cash advance fees. While the no-fee system is very appealing, you still need to make payments on time. If a minimum payment is missed two times during a year, a high APR kicks in for at least twelve billing periods.
Whenever you look for a new card, be sure to check the terms and conditions. Read through the various details listed, and make sure that the card meets your needs. Once you have a solid understanding of the features, you’ll be ready to apply. The process only takes a few minutes.
American Express credit cards are accepted in many places today, especially in the United States and Europe. In addition, they have a variety of different options available for customers. If you’re considering getting another credit card, an American Express option may be the right one for you.