American Express Credit Card

From LoveToKnow Creditcards

Are you thinking of getting an American Express credit card? Here you will learn what types of American Express credit cards are available, as well as incentives and rewards you could be eligible for.

American Express Credit Card Options

  • Blue from American Express® – A fee-free rewards program and innovative benefits package make Blue from American Express a popular choice of credit card. Here is a list of some of the perks Blue has to offer:
    • 0 percent APR for up to 15 months
    • Flexibility to pay over time
    • No annual fee
    • Rates as low as 7.99 percent after introductory period
  • Blue Cash® - The cash back program offered on the Blue Cash® card makes this a popular choice. Some of the benefits of this card include:
    • 0 percent APR for 6 months
    • No annual fee
    • Unlimited cash rewards
    • Up to 5 percent cash back on qualified purchases
  • Blue for Students® – Teaching your college student to use money wisely is not an easy lesson. With Blue for Students, they have the full range of benefits offered by American Express Credit Cards:
    • 24 hour access to a credit line at more than 500,000 ATMs worldwide
    • ExpressPay
    • Fee-free balance transfer
    • No annual fee
  • Blue Sky from American Express – If you like to travel to far off places, then this is the card for you. Points are earned for virtually every dollar you spend and are redeemable on airline tickets, hotel rooms, and even rental cars. Other benefits include:
    • 0 percent introductory APR
    • Earn free travel fast
    • No annual fee
    • No blackout dates
    • No travel restrictions
    • Points good on any airline
  • Optima Card – The Optima Card offered by American Express is a card that gives you the choice of paying in full or carrying a balance. You can control the interest rate on the Optima card by carrying this card along with an American Express Card for at least one year and make the payments on time will keep your interest rate low. Below you will find a few options you will receive with your Optima Card from American Express.
    • Low APR
    • Low balance transfer rate
  • Optima Platinum Card– This card offers the same benefits as the Optima Card, with the added benefit of a higher spending limit and a 0 percent introductory APR.
  • Clear from American Express – Not only do you receive the benefits and services you get with the average American Express credit card, you also have absolutely no fees when you have Clear from American Express. Other benefits include:
    • Automatic rewards
    • No balance fees
    • No cash advance fees
    • No late fees
    • No over limit fee
    • Spend $2,500 and automatically receive a $25 shopping card

American Express Credit Card Rewards

City Rewards Cards are a popular offering from American Express and come with a rewards program allowing the user to redeem points to dine, drink, and play in some of the cities hottest spots. These cards are available for Chicago, Los Angeles, and New York City. Some of the benefits include:

  • 0 percent APR on purchases and balance transfers for 6 months
  • No annual fee
  • Earn double INSIDE reward points when you use the card for city essentials like movie tickets, dining, and phone services


 


Comments

CL,

Thanks for taking the time to let us know about the changes on the Optima features. We've incorporated your changes in the American Express Credit Card article above.

-- Contributed by: SusanWeber

Sorry, but I talked with Amex a few days ago about my Optima card which I have had for long years now. I wanted to know if they still offer the choice to make installment payments instead of paying the balance in full every month, and they told me that feature or benefit is no longer in existence. They don't allow that any more.

Another thing is that they do have an annual fee.

-- Contributed by: CL

Felix,

You can apply for an American Express card at their website.

-- Contributed by: SusanWeber
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