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American Express Credit Cards
American Express is the most recognizable credit card in the world and arguably the most influential. Founded in 1850, American Express' first incarnation was that of a New York shipping company. The business slowly evolved into a financial institution, famous for its credit cards, charge cards and travelers' checks. There are many versatile American Express cards available, including those with rewards programs and charitable partnerships. The enduring popularity of the American Express credit card is perhaps due to the company's groundbreaking ad campaigns. In 1975, the slogan "Don't leave home without it" became part of the American lexicon. With over 130 countries now accepting the card, American Express will continue its reign as a financial giant for years to come.
Credit Panda's Recommended Credit Card
Credit Panda recommends Blue from American Express® as our favorite American Express credit card.
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- No Annual Fee
- 0% Intro APR for 6 Months on Purchases
- Membership Rewards Express® Program
- Earn Points That Can be Redeemed for Gift Cards, Travel, Merchandise, and Unique Entertainment Experiences
- Express Approval. Get a Decision in Less Than 60 Seconds.
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 0% APR for 6 Months | As low as 15.24%* Variable | $0 | None |
Blue Cash® from American Express
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- No Annual Fee
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- Express Approval. Get a Decision in Less Than 60 Seconds.
- 0% APR for Up to 6 Months on Purchases
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for up to 6 Months
As low as 17.24%* Variable
$0
None
Zync(SM) from American Express
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- Pay No Interest - That\'s Because You Pay in Full Each Month
- Enjoy a Low Annual Fee of Just $25 for Basic Card
- Protect Eligible Purchases With Purchase Protection and Extended Warranty
- Choose the Lifestyle Packs You Want to Customize Your Card with the Benefits You Use Most
- Earn Membership Rewards(R) Points With Every Eligible Purchase - Redeem Points for Travel, Shopping, and Great Entertainment Rewards
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
No Introductory Rate Available
No APR
$25
None
Platinum Card® from American Express
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- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Fine Hotels and Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- Complimentary Airport Club Access
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
No Introductory Rate Available
No APR
$450
Very Good
American Express® Preferred Rewards Gold Card
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- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- Express Approval. Get a decision in less than 60 seconds.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
No Introductory Rate Available
No APR
$125
Good
Blue Sky from American Express®
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- Earn 1 Point for Every Dollar You Spend
- 0% Intro APR for Up to 6 Months on Purchases
- No Blackout Dates or Travel Restrictions
- Points Good on Any Airline, Hotel, Car Rental, and More
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
As low as 17.24% Variable
$0
None
Platinum Delta SkyMiles® Credit Card from American Express
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- Earn one companion Coach Class ticket each year upon renewal
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Miles never expire and there is no cap on the miles you can earn
- Earn at least 1 mile for every eligible dollar spent
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$150
Very Good
Delta Reserve Credit Card
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- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Complimentary Crown Room Club(R) access for you and two guests
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Access to American Express(R) Concierge Services
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$450
None
Starwood Preferred Guest® Credit Card from American Express
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-
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- No annual fee for the first year and $45 thereafter
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
2.9% APR for 6 Months
15.24% Variable
$45
Very Good
TrueEarnings® Card from Costco and American Express
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- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Annual Fee with your paid Costco Membership
- No Limit on the Cash Back earned
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
15.24% Variable
$0
None
- No Annual Fee
- Earn Up to 5% Cash Back on Everyday Purchases - Even Gas!
- Express Approval. Get a Decision in Less Than 60 Seconds.
- 0% APR for Up to 6 Months on Purchases
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 0% APR for up to 6 Months | As low as 17.24%* Variable | $0 | None |
-
-
- Pay No Interest - That\'s Because You Pay in Full Each Month
- Enjoy a Low Annual Fee of Just $25 for Basic Card
- Protect Eligible Purchases With Purchase Protection and Extended Warranty
- Choose the Lifestyle Packs You Want to Customize Your Card with the Benefits You Use Most
- Earn Membership Rewards(R) Points With Every Eligible Purchase - Redeem Points for Travel, Shopping, and Great Entertainment Rewards
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| No Introductory Rate Available | No APR | $25 | None |
Platinum Card® from American Express
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- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Fine Hotels and Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- Complimentary Airport Club Access
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
No Introductory Rate Available
No APR
$450
Very Good
American Express® Preferred Rewards Gold Card
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-
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- Express Approval. Get a decision in less than 60 seconds.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
No Introductory Rate Available
No APR
$125
Good
Blue Sky from American Express®
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- Earn 1 Point for Every Dollar You Spend
- 0% Intro APR for Up to 6 Months on Purchases
- No Blackout Dates or Travel Restrictions
- Points Good on Any Airline, Hotel, Car Rental, and More
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
As low as 17.24% Variable
$0
None
Platinum Delta SkyMiles® Credit Card from American Express
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-
- Earn one companion Coach Class ticket each year upon renewal
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Miles never expire and there is no cap on the miles you can earn
- Earn at least 1 mile for every eligible dollar spent
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$150
Very Good
Delta Reserve Credit Card
-
-
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Complimentary Crown Room Club(R) access for you and two guests
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Access to American Express(R) Concierge Services
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$450
None
Starwood Preferred Guest® Credit Card from American Express
-
-
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- No annual fee for the first year and $45 thereafter
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
2.9% APR for 6 Months
15.24% Variable
$45
Very Good
TrueEarnings® Card from Costco and American Express
-
-
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Annual Fee with your paid Costco Membership
- No Limit on the Cash Back earned
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
15.24% Variable
$0
None
- 24-hour access to Concierge service for the finest experiences in dining, entertainment, and luxury
- Earn 25,000 Membership Rewards(R) bonus points when you spend $1,000 in 3 months - Redeemable for one round-trip domestic airline ticket!
- By Invitation Only(R)Events - access to exclusive, once-in-a-lifetime events
- Fine Hotels and Resorts Program - exclusive amenities at boutique, resort, and luxury hotels around the world
- Complimentary Airport Club Access
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| No Introductory Rate Available | No APR | $450 | Very Good |
-
-
- The Membership Rewards(R) program - Earn 1 Membership Rewards(R) point for virtually every dollar you spend and redeem for your choice of travel, shopping, and entertainment rewards.
- Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
- Express Approval. Get a decision in less than 60 seconds.
- Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| No Introductory Rate Available | No APR | $125 | Good |
Blue Sky from American Express®
-
-
- Earn 1 Point for Every Dollar You Spend
- 0% Intro APR for Up to 6 Months on Purchases
- No Blackout Dates or Travel Restrictions
- Points Good on Any Airline, Hotel, Car Rental, and More
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
As low as 17.24% Variable
$0
None
Platinum Delta SkyMiles® Credit Card from American Express
-
-
- Earn one companion Coach Class ticket each year upon renewal
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Miles never expire and there is no cap on the miles you can earn
- Earn at least 1 mile for every eligible dollar spent
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$150
Very Good
Delta Reserve Credit Card
-
-
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Complimentary Crown Room Club(R) access for you and two guests
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Access to American Express(R) Concierge Services
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$450
None
Starwood Preferred Guest® Credit Card from American Express
-
-
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- No annual fee for the first year and $45 thereafter
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
2.9% APR for 6 Months
15.24% Variable
$45
Very Good
TrueEarnings® Card from Costco and American Express
-
-
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Annual Fee with your paid Costco Membership
- No Limit on the Cash Back earned
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
15.24% Variable
$0
None
- Earn 1 Point for Every Dollar You Spend
- 0% Intro APR for Up to 6 Months on Purchases
- No Blackout Dates or Travel Restrictions
- Points Good on Any Airline, Hotel, Car Rental, and More
- Express Approval. Get a Decision in Less Than 60 Seconds
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 0% APR for 6 Months | As low as 17.24% Variable | $0 | None |
-
-
- Earn one companion Coach Class ticket each year upon renewal
- Earn 20,000 bonus SkyMiles(R) (including 5,000 Medallion Qualification Miles) after first purchase and another 2,500 for adding an Additional Cardmember
- Miles never expire and there is no cap on the miles you can earn
- Earn at least 1 mile for every eligible dollar spent
- Pay with Miles: Pay for all or part of your flight with miles - and put the rest on your Card
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. | 14.50% Variable | $150 | Very Good |
Delta Reserve Credit Card
-
-
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Complimentary Crown Room Club(R) access for you and two guests
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Access to American Express(R) Concierge Services
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
9.99% APR During the First 12 Months of Cardmembership on Balance Transfers.
14.50% Variable
$450
None
Starwood Preferred Guest® Credit Card from American Express
-
-
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- No annual fee for the first year and $45 thereafter
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
2.9% APR for 6 Months
15.24% Variable
$45
Very Good
TrueEarnings® Card from Costco and American Express
-
-
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Annual Fee with your paid Costco Membership
- No Limit on the Cash Back earned
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
15.24% Variable
$0
None
- Earn up to 10,000 Medallion(R) Qualification Miles (MQMs) after your first purchase
- Annual First-Class companion certificate, which can be used for a First-Class or Coach-Class ticket!
- Complimentary Crown Room Club(R) access for you and two guests
- Built-in Miles Boost(SM) - earn up to 30,000 MQMs and 30,000 bonus miles
- Access to American Express(R) Concierge Services
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. | 14.50% Variable | $450 | None |
-
-
- Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
- Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
- Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
- No annual fee for the first year and $45 thereafter
- Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 2.9% APR for 6 Months | 15.24% Variable | $45 | Very Good |
TrueEarnings® Card from Costco and American Express
-
-
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Annual Fee with your paid Costco Membership
- No Limit on the Cash Back earned
- Apply now at the American Express website.
Intro APR
Regular APR
Annual Fee
Credit Needed
0% APR for 6 Months
15.24% Variable
$0
None
- Earn cash back virtually everywhere you go - 3% for annual gasoline purchases of up to $3,000 (1% thereafter), 3% for restaurants, 2% for travel, 1% everywhere else, including Costco
- Earn cash back on gas and a $25 statement credit with your first purchase made with the Card
- The TrueEarnings Card serves as both your American Express Credit Card and your Costco Membership Card
- No Annual Fee with your paid Costco Membership
- No Limit on the Cash Back earned
- Apply now at the American Express website.
| Intro APR | Regular APR | Annual Fee | Credit Needed |
| 0% APR for 6 Months | 15.24% Variable | $0 | None |
