American Express Credit Card Offer Comparison

Official Data and Rates	Features	More Info
American Express® Gold Card Credit Level: Excellent Annual Fee: Intro annual fee of $0 for the first year, then $125 Norm Rate: n/a Purchase Intro Rate: n/a Transfer Intro Rate: n/a	Access to Exclusive Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection $0 introductory annual fee for the first year, then $125 Terms and Restrictions Apply
TrueEarnings® Card from Costco and American Express Credit Level: Excellent Annual Fee: No Annual Fee with your paid Costco Membership Norm Rate: 15.24% variable Purchase Intro Rate: 0% Purchase Intro Period: 6 Mo. Transfer Intro Rate: n/a	3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1% 2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company Terms and restrictions apply.
The Platinum Card® from American Express Credit Level: Excellent Annual Fee: $450 Norm Rate: n/a Purchase Intro Rate: n/a Transfer Intro Rate: n/a	Earn 25K Membership Rewards® points after you spend $2,000 during your first three months of Card membership Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority Pass™ Select, no foreign transaction fees Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more 24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only® Terms and restrictions apply
Starwood Preferred Guest® Credit Card from American Express Credit Level: Excellent Annual Fee: $0 intro annual fee for the first year, then $65 Norm Rate: 15.24% - 19.24% variable Purchase Intro Rate: None Purchase Intro Period: None Transfer Intro Rate: None Transfer Intro Period: None	Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines No limits on the number of Starpoints you can earn $0 introductory annual fee for the first year, then $65 Terms and Restrictions apply.
Starwood Preferred Guest® Business Credit Card from American Express Credit Level: Excellent Annual Fee: $0 intro annual fee for the first year, then $65 Norm Rate: 15.24% - 19.24% Variable Purchase Intro Rate: None Purchase Intro Period: n/a Transfer Intro Rate: n/a	Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program Earn 1 Starpoint® for each dollar of eligible purchases $0 introductory annual fee for the first year, then $65 Terms and limitations apply
The Plum Card® from American Express OPEN Credit Level: Excellent Annual Fee: $0 intro annual fee for the first year, then $250 Norm Rate: n/a Purchase Intro Rate: n/a Transfer Intro Rate: n/a	Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month. Do Business On Your Terms $0 introductory annual fee for your first year, then $250. No annual fee for Additional Cards Terms & Restrictions Apply
Gold Delta SkyMiles® Business Credit Card from American Express Credit Level: Excellent Annual Fee: $0 intro annual fee for the first year, then $95 Norm Rate: 15.24% - 19.24% Variable Purchase Intro Rate: None Purchase Intro Period: None Transfer Intro Rate: None Transfer Intro Period: None	Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership You can check your first bag for free and save up to $50 on a round-trip Delta flight 2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases $0 introductory annual fee for the first year, then $95 Terms & Restrictions Apply
Blue Cash Preferred® Card from American Express Credit Level: Excellent Annual Fee: $75 Norm Rate: 12.99% - 21.99% Variable Purchase Intro Rate: 0% Purchase Intro Period: 12 Mo. Transfer Intro Rate: None Transfer Intro Period: None	Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership. Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit. Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required. Terms and Restrictions Apply.
American Express® Serve Credit Level: Any Annual Fee: N/A Norm Rate: n/a Purchase Intro Rate: n/a Transfer Intro Rate: n/a	Free sign up and no credit check No monthly or annual fees Get the prepaid card and mobile app Send and receive money by email and text American Express safety and security Link a bank account, debit or credit card; add money with MoneyPak® and use at ATMs* Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access *Terms, conditions and exclusions apply.
USAA Cash Rewards® American Express® Card Credit Level: Excellent Annual Fee: $0 Norm Rate: 9.90%-25.90% (Variable) Purchase Intro Rate: n/a Transfer Intro Rate: n/a	Earn up to 2.25% cash back on gas and grocery purchases. Earn up to 1.25% cash back for all other purchases. Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate. No caps or limits on the amount you can earn. Your cash rebate is awarded every January for the purchases made the previous 12 months. No annual fee and no minimum finance charge. Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA. If you are not eligible, USAA credit cards and other products may still be available.

American Express® Gold Card

Credit Level:

Excellent

Annual Fee:

Intro annual fee of $0 for the first year, then $125

Norm Rate:

n/a

Purchase Intro Rate:

n/a

Transfer Intro Rate:

n/a

Access to Exclusive Benefits: Baggage Insurance Plan* when you travel, and shop with confidence with Extended Warranty* and Return Protection
Use points for gift cards for dining, entertainment, and to shop over 300 of some of your favorite merchants
Get discounts and low rates at hotels and resorts, plus a $75 hotel credit when you book through Gold Hotel Collection
$0 introductory annual fee for the first year, then $125
Terms and Restrictions Apply

TrueEarnings® Card from Costco and American Express

Credit Level:

Excellent

Annual Fee:

No Annual Fee with your paid Costco Membership

Norm Rate:

15.24% variable

Purchase Intro Rate:

0%

Purchase Intro Period:

6 Mo.

Transfer Intro Rate:

n/a

3% Cash back at US gas stations and on gasoline at Costco up to $4,000 per year in purchases, then 1%
2% cash back at US restaurants; 2% cash back on eligible travel purchases, including at Costco; 1% cash back on other purchases, including at Costco
Terms and limitations apply; You will receive your cash back annually in the form of a reward coupon
The Two-In-One Card: it's an American Express® Card and Costco membership card, with no annual fee for Costco members
Cardmembership offers access to benefits such as Global Assist and Purchase Protection* *Underwritten by AMEX Assurance Company
Terms and restrictions apply.

The Platinum Card® from American Express

Credit Level:

Excellent

Annual Fee:

$450

Norm Rate:

n/a

Purchase Intro Rate:

n/a

Transfer Intro Rate:

n/a

Earn 25K Membership Rewards® points after you spend $2,000 during your first three months of Card membership
Premium travel benefits: access over 600 lounges worldwide when you enroll in Priority Pass™ Select, no foreign transaction fees
Receive up to $200 annually in a statement credit with the airline of your choice to use towards baggage fees, flight-change fees, in-flight food and beverage purchases and more
24/7 Platinum Card® Concierge service for assistance with reservations, travel, gifts, and more
Entertainment benefits: get Advance Tickets before the public and access once in a lifetime events with By Invitation Only®
Terms and restrictions apply

Starwood Preferred Guest® Credit Card from American Express

Credit Level:

Excellent

Annual Fee:

$0 intro annual fee for the first year, then $65

Norm Rate:

15.24% - 19.24% variable

Purchase Intro Rate:

None

Purchase Intro Period:

None

Transfer Intro Rate:

None

Transfer Intro Period:

None

Starpoints® bonus: earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
That’s enough for a weekend getaway to a Category 4 Hotel like the Westin Savannah Harbor Golf Resort & Spa, or six free nights at a Category 2 Hotel
Free Hotel Nights: redeem Starpoints at over 1,100 hotels in nearly 100 countries worldwide - with no blackout dates
Free Flights: redeem Starpoints on over 350 airlines with SPG Flights - with no blackout dates
Get 5,000 bonus Starpoints after you transfer 20,000 Starpoints to a frequent flyer program with more than 30 airlines
No limits on the number of Starpoints you can earn
$0 introductory annual fee for the first year, then $65
Terms and Restrictions apply.

Starwood Preferred Guest® Business Credit Card from American Express

Credit Level:

Excellent

Annual Fee:

$0 intro annual fee for the first year, then $65

Norm Rate:

15.24% - 19.24% Variable

Purchase Intro Rate:

None

Purchase Intro Period:

n/a

Transfer Intro Rate:

n/a

Starpoints® bonus: Earn up to 25,000 bonus points: 10,000 after your first purchase and another 15,000 after you spend $5,000 within the first 6 months of Cardmembership
Redeem Starpoints® at over 1,100 hotels and resorts in nearly 100 countries and for flights on more than 350 airlines with SPG Flights – all with no blackout dates
Earn up to 5 Starpoints® for each dollar of eligible purchases charged directly with hotels and resorts participating in the Starwood Preferred Guest® program
Earn 1 Starpoint® for each dollar of eligible purchases
$0 introductory annual fee for the first year, then $65
Terms and limitations apply

The Plum Card® from American Express OPEN

Credit Level:

Excellent

Annual Fee:

$0 intro annual fee for the first year, then $250

Norm Rate:

n/a

Purchase Intro Rate:

n/a

Transfer Intro Rate:

n/a

Flexible Payment Options: Get a 1.5% discount for paying early or up to 60 days to pay without interest, or both each month.
Do Business On Your Terms
$0 introductory annual fee for your first year, then $250.
No annual fee for Additional Cards
Terms & Restrictions Apply

Gold Delta SkyMiles® Business Credit Card from American Express

Credit Level:

Excellent

Annual Fee:

$0 intro annual fee for the first year, then $95

Norm Rate:

15.24% - 19.24% Variable

Purchase Intro Rate:

None

Purchase Intro Period:

None

Transfer Intro Rate:

None

Transfer Intro Period:

None

Get 30,000 bonus miles after you spend $500 in purchases on the Card within your first 3 months of Cardmembership
You can check your first bag for free and save up to $50 on a round-trip Delta flight
2x miles for each dollar spent on qualifying Delta purchases and 1x mile for each dollar spent on other eligible purchases
Priority Boarding and 20% In-Flight Savings in the form of a statement credit on eligible purchases
$0 introductory annual fee for the first year, then $95
Terms & Restrictions Apply

Blue Cash Preferred® Card from American Express

Credit Level:

Excellent

Annual Fee:

$75

Norm Rate:

12.99% - 21.99% Variable

Purchase Intro Rate:

0%

Purchase Intro Period:

12 Mo.

Transfer Intro Rate:

None

Transfer Intro Period:

None

Earn 150 Reward Dollars after you make $1,000 in purchases in the first three months of Cardmembership.
Earn Cash Back: 6% US supermarkets up to $6,000 per year in purchases, 3% US gas stations & select US dept stores, 1% other purchases. Terms and limitations apply.
Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
Simple and Straightforward: With the Blue Cash Preferred Card, you can start earning cash back. No rotating reward categories. No enrollment required.
Terms and Restrictions Apply.

American Express® Serve

Credit Level:

Any

Annual Fee:

N/A

Norm Rate:

n/a

Purchase Intro Rate:

n/a

Transfer Intro Rate:

n/a

Free sign up and no credit check
No monthly or annual fees
Get the prepaid card and mobile app
Send and receive money by email and text
American Express safety and security
Link a bank account, debit or credit card; add money with MoneyPak® and use at ATMs*
Get access to benefits such as Purchase Protection* underwritten by AMEX Assurance Company, Roadside Assistance* and Entertainment Access
*Terms, conditions and exclusions apply.

USAA Cash Rewards® American Express® Card

Credit Level:

Excellent

Annual Fee:

$0

Norm Rate:

9.90%-25.90% (Variable)

Purchase Intro Rate:

n/a

Transfer Intro Rate:

n/a

Earn up to 2.25% cash back on gas and grocery purchases.
Earn up to 1.25% cash back for all other purchases.
Enjoy variable rates as low as 9.9% APR on purchases, balance transfers and cash advances. This APR will vary with the market based on the Prime Rate.
No caps or limits on the amount you can earn.
Your cash rebate is awarded every January for the purchases made the previous 12 months.
No annual fee and no minimum finance charge.
Before starting your application, USAA will ask you a few questions to establish your online access and eligibility with USAA.
If you are not eligible, USAA credit cards and other products may still be available.

American Express Cards

American Express offers a full line of consumer and small business financial products. From an individual credit card to a business line of credit, their world-class customer support is always available to provide assistance. Their low interest and pay-over-time cards are extremely popular.

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