Blue from American Express. A straightforward Credit Card that earns you 1 point per dollar spent on eligible purchases and 2X points for eligible purchases made through Amex Travel. Consider the Blue from American Express Card if: you want a simple Credit Card that offers repayment flexibility and the ability to earn rewards in any spending category — including travel — with no annual fee.
Amex EveryDay Credit Card. Other purchases get 1 point per dollar spent. Instead of earning points that you can then redeem for a number of options, cash back can be redeemed for statement credits — effectively earning you a discount on every purchase. Each Card has different potential bonus categories, outlined below, so you can find the right cash back Card to match your spending habits. Your plan fee will be up to 1. Any purchases not included in a Plan will be subject to interest charges if the remaining monthly statement balance is not paid off on or before the payment due date.
Cash Magnet Card. Blue Cash Everyday Card. This is a tiered Card for those who want to earn more cash back in specific spending categories, namely:. Blue Cash Preferred Card. Blue Cash Preferred offers cash back opportunities on additional spending categories like streaming subscriptions and transit. Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery and at U.
Earn 1X Mile on all other eligible purchases. Elevated earnings at U. No annual fee. Click Here To Learn More. Welcome Bonus , points. Return Protection. Purchases must be made in the U. Let us take care of it. Concierge is a complimentary service, available day or night. Whether you need expert advice to make arrangements and reservations for a special anniversary dinner, tickets for a Broadway show, or the perfect gift, you can rely on Concierge to help take care of your requests, large and small.
You can rely on medical, legal, financial, and other select emergency coordination and assistance services while traveling more than miles from home. Coverage can be in effect for Eligible Persons for eligible lost, damaged, or stolen baggage during their travel on a Common Carrier e. Please read important exclusions and restrictions. Welcome Bonus 50, Miles. Rich Delta perks, including a free first checked bag and priority boarding on Delta flights Access to Delta Sky Club airport lounges when flying Delta Annual companion certificate good for both economy and first class.
Baggage charges and other restrictions apply. See terms and conditions for details. Earn 3X Miles on Delta purchases. Welcome Bonus 75, points. Restaurants within the first 6 months of Card Membership. Receive 1 free Night Award every year after your Card account anniversary.
Award can be used for one night redemption level at or under 50, Marriott Bonvoy Points at a participating hotel. Certain hotels have resort fees. Rewards never expire No limits on cashback rewards Flexible payment options No category enrollment required.
Eligible everyday purchases earn an unlimited 1. Annual Fee No annual fee. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express, and other factors. No annual fee Introductory APR on purchases Great extra benefits like purchase protection and car rental insurance Business-oriented benefits like employee cards and authorized management accounts.
From workflow to inventory to floor plans, your business is constantly changing. Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to American Express and other factors. Credit Score Good, Excellent - Excellent welcome bonus A slew of valuable statement credits Extensive airport lounge access Rich suite of travel perks.
High spending requirement to earn welcome bonus Annual fee and additional cardholder fees are very high Limited spending bonus categories Some credits are doled out in increments, making them harder to spend. After that, your APR will be Earn 1. Generous welcome bonus High redemption value for rewards points possible No blackout dates and points never expire. Receive 1 Free Night Award every year after your Card account anniversary. Complimentary elite Gold status 10 free Priority Pass Lounge visits each anniversary year No foreign transaction fees.
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. Welcome Bonus 50, Bonus Miles. Annual companion certificate for an eligible domestic flight Priority boarding and free checked bags when flying with Delta. Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U. Earn 1X Miles on all other eligible purchases. Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Welcome Bonus 10, points. High point earning rates Automatic Silver status includes complimentary late checkout No foreign transaction fee No blackout dates.
Low point redemption value Silver status comes with limited benefits Poor transfer rate to airline partners. Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton portfolio.
Enjoy international travel without additional fees on purchases made abroad. Enjoy complimentary Hilton Honors Silver status with your Card. No Annual Fee. Hilton Honors American Express Card. Credit Card. Credit Score. Terms Apply Terms apply. Rewards: Earn 1. Frequently Asked Questions. Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances.
We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results. Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available.
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Please try again later. For one thing, the company is unusual among credit card issuers in that it charges cardholders just for the privilege of possessing many of its cards. The company does offer several free co-branded and entry-level cards. American Express also generates revenue from other fees, including member delinquency fees and foreign currency conversions.
MA and Visa Inc. In the past, the majority of American Express cards charged no interest. You had to pay your bill in full every month or else the company would close your account and send a collection agency after you for the balance. This stands in blatant contrast with the modus operandi of other credit card companies, which charge interest high enough to keep cardholders beholden for decades. American Express had a different strategy—hook the merchants, not the cardholders.
In its annual report, American Express indicated that it had focused on four strategic initiatives over the prior year: expanding its leadership in the premium consumer area, continuing to grow its commercial payments segment, improving its global integrated network, and continuing to focus on its digital offerings.
The company is likely to continue to develop these goals into the future as well. Particularly since announcing the reduction in merchant fees in March of , American Express has signaled that it may be revising its business model to keep fees across the board lower in an effort to boost the overall number of transactions.
For all of its success, as of American Express still lags behind its major competitors, Visa and Mastercard , when it comes to the number of partner merchants, according to the Nilson Report. Though American Express has reduced its merchant fees, these remain higher than those of some other credit card companies, which may be a barrier to wider merchant acceptance. However, American Express has some advantages as well: As both an issuer and a network, it is able to provide a more streamlined, predictable service than can Visa or Mastercard, neither of which typically issues its own cards.
American Express. Accessed June 30, Supreme Court. American Express Co. Google Finance. Nilson Report. Credit Cards. Company Profiles.
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