| Intro APR | ![]() |
Intro Period | ![]() |
Regular APR | ![]() |
Annual Fee | ![]() |
Balance Transfer | ![]() |
Credit Needed |
| 0% | ![]() | up to 12 Months* | ![]() | as low as 12.99%* | ![]() | $0* | ![]() | No* | ![]() |
Good Credit* |
| Card Issuer | American Express |
| Card Status | Standard |
| Intro APR | 0% APR for up to 12 Months |
| Intro Details | The introductory rate for purchases varies and will be twelve months or six months. A twelve month 3.99% introductory rate is available for balance transfers submitted during the application or within the first 30 days of cardmembership. |
| APR for Purchases | as low as 12.99% |
| Grace Period | 28 - 31 Days |
| Late Payment Fee | N/A |
| Over the Limit Fee | None |
| Cash Advance Fee | N/A |
| Balance Transfer Fee | None |
| Type of Reward | Rebate |
| Rebate Minimum | 1% |
| Rebate Maximum | 1% |
| Additional Rebates | None% |
| Rebate Details | Every time the cardholder reaches $2,500 in spending, an American Express® branded shopping card worth $25 is automatically issued. |
| Notes | Card is currently unavailable to residents of Puerto Rico. The APR for purchases varies according to the applicant's credit history and may range from 12.99% to 17.99%. Although there are no late fees or over the limit fees, if minimum payments are not paid within the grace period for two times during any portion of a twelve-month billing period, the default APR of 23.99% + Prime Rate will be applied to all balances for a minimum of twelve billing periods. See website for complete terms and conditions of card usage and application disclosure. |
* See the online credit card applications for details about terms and conditions of offer. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer\'s web site.