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Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card

Get more out of being an
American Express® Cardmember
with an Online Services Account

Terms & Conditions

 

1. You may be approved to temporarily spend over your credit limit but you may be subject to an overlimit fee. Any overlimit transactions will increase your Minimum Payment Due. This request is not valid for cash withdrawals. Certain changes to your account could affect the approved amount.


2. To be eligible, you must be an American Express Cardmember for more than six (6) months and account must be in good standing. Credit limits are subject to change in accordance with your Cardmember Agreement


3. Account Alerts is a free service for American Express Cardmembers. However, your cell phone service provider may apply fees for incoming text messages. Please contact them for further details.


4. With the Pre-Authorized Payment Plan, a predetermined amount is debited from your bank account on the payment due date each month. This payment option is only available to Consumer or Small Business Accounts. The Pre-Authorized Payment Plan is currently not available for Corporate Accounts.


Any Canadian dollar deposit bank account held at a Canadian financial institution is eligible for enrollment in the Pre-Authorized Payment Plan. The account must belong to you or, for joint accounts, you must have signing authority for the account. Foreign accounts are not eligible. If you choose to register a business account, you must be a signatory on that account.


Your enrollment in pre-authorized payments or changes made to your enrollment will not take effect until your next billing cycle. You are still required to make a manual payment for the current billing period. 


Depending on your financial institution, it may take up to 3 business days for your deposit account to be debited by your financial institution. Please check with your financial institution for details.Please ensure there are sufficient funds in your bank account when making payments. Fees for a returned payment are listed within your disclosure statement. For full terms and conditions of the Electronic Payment Program Agreement, visit americanexpress.ca/AutomaticPaymentTerms.


5. Your initial payment can only be scheduled 3 calendar days after you have successfully enrolled in the Payment Program. Subsequent payments can be credited to your account same day if submitted prior to 8 P.M. (ET).


6. Account must be in good standing. An additional card is a supplementary card. Supplementary Card annual fee may apply.  Supplementary Card annual fee varies by product. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.

 

7. Eligible cards will vary by offer and are subject to change. Select American Express Cards issued by Amex Bank of Canada are eligible cards for the offer. The following cards are not eligible: American Express Corporate Cards, American Express® Gift Cards and Prepaid Cards. Subject to offer terms and conditions, and full program terms.

 

 

Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc.

 

Android and Google Play are trademarks of Google Inc.

Источник: https://www.americanexpress.com/ca/en/customer-service/digital/online-account.html
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Some of the best credit cards on the market are offered by American Express and its partners. Amex has a card available for pretty much anyone, including credit card beginners, casual travelers, road warriors and business travelers.  We’ve pulled together the top 16 card offerings from our partner American Express — let’s see how they stack up against each other.

Terms & restrictions apply.See rates & fees

Best for high-end benefits

5 - 10X points

  • 10X Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

100,000 points

100,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for U.S. supermarkets and restaurants

3 - 4X points

  • 4X Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

60,000 points

60,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for maximizing cash back

1 - 6% cash-back

  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

$300

$300

$0 introductory annual fee for the first year, then $95.

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. 

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for frequent business travelers

1.5 - 5X points

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

120,000 points

120,000 points

$595 (10/14-1/12/22)

670-850

Good, Excellent

670-850

Good, Excellent

Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for cash-back beginners

1 - 3% cash-back

  • 3% 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% 1% Cash Back on other purchases

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for flexible earning on business expenses

1 - 4X points

  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

70,000 points

70,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees
Источник: https://thepointsguy.com/credit-cards/american-express/

Personal & Small Business sign-in

Get it on the App Store
Download the Bank of America App

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Источник: https://www.bankofamerica.com/online-banking/sign-in/

Direct Express® Prepaid Debit Card

The Direct Express® card is a prepaid debit card option for federal benefit recipients to receive their benefits electronically. With the Direct Express® card, your federal benefit payment is automatically deposited directly into your card account each month on your payment day. This prepaid debit card offers the convenience and security of to spend and access your money rather than using cash for purchases. Cardholders can make purchases at stores that accept Debit MasterCard®, pay bills, purchase money orders from the U.S. Post Office and get cash from ATMs or financial institutions that display the MasterCard® acceptance mark. No bank account or credit check is required to enroll. There are no sign-up fees or monthly account fees. Many card services are free. Additional information about the Direct Express® card is available at www.USDirectExpress.com.

The Direct Express® card is a prepaid debit card option for federal benefit recipients to receive their benefits electronically. With the Direct Express® card, your federal benefit payment is automatically deposited directly into your card account each month on your payment day. This prepaid debit card offers the convenience and security of to spend and access your money rather than using cash for purchases. Cardholders can make purchases at stores that accept Debit MasterCard®, pay bills, purchase money orders from the U.S. Post Office and get cash from ATMs or financial institutions that display the MasterCard® acceptance mark. No bank account or credit check is required to enroll. There are no sign-up fees or monthly account fees. Many card services are free. Additional information about the Direct Express® card is available at www.USDirectExpress.com.

Источник: https://www.benefits.gov

Manage Your Credit Card Account

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SECURITY CODE

Visa and MasterCard credit and debit cards: Your 3-digit security code is located on the back of your card in the signature line.
Visa
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Источник: https://www.bankofamerica.com/credit-cards/manage-your-credit-card-account/

Compare Credit Cards

Credit cards subject to credit approval. Certain fees and restrictions may apply.

1 Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back on gas purchases. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear.

2 Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders

3 For more information about Zero Liability protection, refer to www.Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits for details.

Mastercard and the Mastercard Brand Mark are registered trademarks.

Источник: https://www.bankofthewest.com/personal-banking/credit-cards.html

Compare Credit Cards

Credit cards subject to credit approval. Certain fees and restrictions may apply.

1 Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back on gas purchases. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear.

2 Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders

3 For more information about Zero Liability protection, refer to www.Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits for details.

Mastercard and the Mastercard Brand Mark are registered trademarks.

Источник: https://www.bankofthewest.com/personal-banking/credit-cards.html

New to CardMatch™

Pre-approved offers from American Express

Get pre-approved for top partner cards like The Platinum Card® from American Express or the American Express® Gold Card with help from CardMatch™. All it takes is 60 seconds to find out if you have pre-approved offers.

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Filter cards by category

BEST FOR LUXURY TRAVEL PERKS

The Platinum Card® from American Express

The Platinum Card® from American Express

Our rating:4.4 Our writers, editors first financial bank texas customer service number industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now at American Express's secure site

Rewards rate

10X
prefab shipping container homes for sale in north carolina Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
5X
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X
Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

At A Glance

Intro bonus
100,000 points Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.

Annual fee
$695

Regular APR
See Pay Over Time APR

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

American Express® Gold Card

American Express® Gold Card

Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now at American Express's secure site

Rewards rate

4X
Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
4X
Earn 4X Membership Rewards® points at American express card sign in. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. american express card sign in

At A Glance

Intro bonus
60,000 points Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.

Annual fee
$250

Regular APR
See Pay Over Time APR

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST FOR TIERED CASH BACK

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

Our rating:3.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now at American Express's secure site

Rewards rate

3%
3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
2%
2% Cash Back at U.S. gas stations and at select U.S. department stores.
1%
1% Cash Back on other purchases.

At A Glance

Intro bonus
$200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.

Annual fee
$0

Regular APR
13.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

More Cards from American Express

BEST FOR HIGH CASH BACK RATES

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

Our rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now at American Express's secure site

american express card sign in Rewards rate

6%
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6%
6% Cash Back on select U.S. streaming subscriptions.
3%
3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
3%
3% Cash Back at U.S. gas stations
1% atv rental corolla nc
1% Cash Back on other purchases

At A Glance

Intro american express card sign in
$300 Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee
$0 introductory annual fee for the first year, then $95.

Regular APR
13.99% - 23.99% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST FOR SMALL BUSINESS TRAVEL

American Express® Business Gold Card

American Express® Business Gold Card

Our rating:3.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Apply now at American Express's secure site

Rewards rate

4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1X
1X is earned for other purchases. **
1st grade math packet 25%
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

At A Glance

Intro bonus
70,000 points Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Annual fee
$295

Regular APR
14.24% - 22.24% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

BEST FOR LUXURY BUSINESS TRAVEL PERKS

The Business Platinum Card® from American Express

The Business Platinum Card® from American Express

Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

See Rates & Fees, Terms Apply

Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application. pnc bank locations and hours now at American Express's secure site

Rewards rate

5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

At A Glance

Intro bonus
120,000 points Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Annual fee
$595 (10/14-1/12/22)

Regular APR
14.24% - 22.24% variable

Recommended credit
670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Источник: https://www.creditcards.com/american-express/

Personal & Small Business sign-in

Get it on the App Store
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

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Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Get it on the App Store
Download the Bank of America App

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Or we can send you a link by email

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Get it on Google Play
Download the Bank of America App

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Get the mobile banking app

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Источник: https://www.bankofamerica.com/online-banking/sign-in/

Manage Your Credit Card Account

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SECURITY CODE

Visa and MasterCard credit and debit cards: Your 3-digit security code is located on the back of your card in the signature line.
Visa
American Express cards: Your 4-digit code is located on the front of your card, just above the embossed card number.
Amex
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Источник: https://www.bankofamerica.com/credit-cards/manage-your-credit-card-account/

American Express Prepaid Cards: Read This Before Signing Up

Want the convenience of paying with plastic, without the responsibility that comes with credit?

Not interested in opening a bank account?

If you’re nodding your head, you might want to take a look at American Express prepaid cards. As with other prepaid debit cards, you load these cards with your own money, and then can use them wherever Amex is accepted. Since you can’t spend more than what you’ve deposited, they’re a less risky way to get started with plastic.

How Do American Express Prepaid Cards Work?

Getting and using an American Express prepaid card is simple. Here are the four basic steps involved.

  1. Register for a card like the American Express® Serve® (Review) or American Express® Bluebird®.
  2. Load it with funds.
  3. Use the card for purchases, bills, etc.
  4. Reload the card when you need more funds.

1. Sign up

You can register for a prepaid American Express® Serve® (Review) or American Express® Bluebird® card online for free. You must be 18 years old and have a Social Security number and an email address. (For the Bluebird card, you must be 19 if you live in Alabama or Nebraska, and can’t apply for the card if you live in Vermont.)

Alternatively, you can pay up to $3.95 (Serve) or $5 (Bluebird) to purchase your prepaid card from a big box store or pharmacy. Just note you won’t have access to the card’s full features until you register your account online.

2. Load it with funds

When you’re ready to put money on your new American Express prepaid card, there are several different routes you can take:

  • Direct deposit your paychecks or government benefits on a regular basis.
  • Use mobile check deposit (note you’ll need to wait 10 days to access the money, unless you’re willing to fork over a fee of 1%–5%, with a minimum of $5).
  • Link your debit card or checking or savings account.
  • Load your card with cash at 40,000 retail locations, such as CVS, Dollar General, Family Dollar, Rite Aid, Walmart, and 7-Eleven (you’ll pay between $0 and $3.95 for this service).

3. Use the card

You can now use your prepaid card anywhere American Express debit cards are accepted.

For example, you could…

  • Shop in stores or online.
  • Pay bills, either online or by requesting mailed checks through the free Online Bill Pay portal.
  • Withdraw cash for free at more than 30,000 MoneyPass ATMs (non-MoneyPass ATM withdrawals will cost $2.50 plus the ATM operator fee).
  • Send and receive money for free between other users with the same type of Amex prepaid card.
  • Send a money transfer to friends and family members, who will be able to pick it up at the nearest Walmart within minutes (fees: $4–$4.99 for transfers up to $50, $8–$8.99 for transfers between $50.01 and $1,000, and $16–$16.99 for transfers between $1,000.01 and $2,500).
  • Pick up cash at Walmart yourself (fees: $3–$3.49 for withdrawals up to $500, $6–$6.49 for withdrawals between $500.01 and $1,000, and $9–$9.49 for withdrawals between $1,000.01 and $2,500).

When you’re picking up cash, you can raise your $2,500 limit to $2,900 by direct depositing your tax refund into your Amex prepaid account.

4. Reload the card

At any point, you can reload your card with more money using one of the methods mentioned in Step 2. Or, you can close your account without penalty; it’s up to you.

Perks of American Express Prepaid Cards

Once you’ve got an Amex prepaid card account, you’ll be eligible for a range of benefits, including:

  • Early direct deposit: If you sign up for direct deposit with your American Express prepaid card, you may get your paycheck up to two days earlier than you would with a normal bank account.
  • Subaccounts: You can create up to four free accounts for other users ages 13 or older. You’ll be able to control their balances and monitor their spending, which might come in handy if you’ve got kids.
  • No hidden fees: Amex claims to be transparent with its cards’ fees; unlike some prepaid card issuers, for example, it doesn’t charge for inactivity or cancellation.
  • Amex Offers: Get access to a variety of discounts at a changing selection of partner merchants.
  • Purchase protectionIf you purchase an item on your prepaid card, and it gets stolen or damaged within 90 days, Amex will reimburse you for the purchase price (up to $1,000 per incident and $50,000 per year).
  • Roadside assistance: Call for help when you need a tow or a charge, though you’ll need to pay for any services rendered.
  • Fraud protectionIf your card is lost or stolen, Amex says it will “protect you against fraudulent purchases.”
  • Other Amex benefits: You’ll be eligible for 24/7 customer service and access to Amex Experiences.
  • FDIC insurance: Just like at a traditional bank, your money is federally insured up to $250,000.
  • Mobile app: Both the Bluebird and Serve cards have their own apps, from which you’ll be able to check your balance, send money, and view account activity. You can also opt for text alerts regarding your transactions.

Pros and Cons of American Express Prepaid Cards

Want a quick overview of the pluses and minuses of Amex prepaid cards? Here you go.

Pros

  • Offer a convenient way to shop and pay bills
  • Provide free cash withdrawals at 30,000 ATMs
  • Come with a range of American Express perks, such as early direct deposit and fraud protection
  • Allow for free, easy-to-monitor subaccounts for other users
  • Are easier to budget with than credit cards (since you can only spend what you’ve put on the card)

Cons

What’s the Best American Express Prepaid Card?

Amex offers four main prepaid cards that vary in fees and features. (Note that if you live in New York, Vermont, or Texas, you won’t have to pay monthly fees on any of the cards below.)

  • American Express® Bluebird®: No monthly fee, free cash reloads at Walmart
  • American Express® Serve® (Review): No monthly fee if you deposit $500 per month
  • American Express® Serve® FREE Reloads: As you can see, reload for free.
  • American Express® Serve® Cash Back: 1% cash back christmas tree in the park san jose every purchase, but a monthly fee of $7.95

American Express® Bluebird®

Rewards
  • Mobile check capture
  • Access your money up to two days faster with direct deposit
  • Free withdrawals at MoneyPass ATMs; $2.50 fee at other ATMs
  • Free cash loading at Walmart
  • $0 monthly/annual fee
  • No foreign transaction fees
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeN/A

The shiniest thing about this card is it doesn’t charge any monthly fees. Its cash reloads are also free — as long as you do them union savings bank com a Walmart. Once your card is registered, you can add between $20 and $1,999 at a time. Unlike the cards below, it also doesn’t charge foreign transaction fees (which will save you 2.7% if you purchase items abroad!).

We recommend this card: for most people. With no monthly fees and free Walmart cash reloads, this is our favorite Amex prepaid card.

American Express® Serve®

Rewards
  • Your Full Service Reloadable Prepaid Account. (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • FREE Direct Deposit gets you access to your money up to 2 days faster.
  • FREE ATM withdrawals at over 24,000 ATMs nationwide.
  • FREE Online Bill Pay and money management tools.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to Card Membership benefits like Purchase Protection.*
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2.7% after conversion to U.S. Dollars

The information related to American Express® Serve® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

While this card charges a $6.95 monthly fee, it’s waived any month in which you direct deposit $500 or more. Cash reloads cost up to $3.95 each, depending on the retailer.

We recommend this card: if you plan to direct deposit at least $500 into the account each month. Otherwise it’s not worth the monthly fee.

American Express Serve® FREE Reloads

Rewards
  • No credit check
  • Free reloads at over 45,000 locations
  • No minimum balance required
  • Purchase Protection
  • Fraud Protection
  • 2.7% foreign transaction fee
  • $6.95 monthly fee (No fee in TX, NY, VT)
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2.7%

As the name suggests, the standout feature of this card is the fact you can reload it with cash for free at more than 45,000 locations. The $6.95 monthly fee (No fee in TX, NY, VT), however, is unavoidable.

We recommend this card: if you plan to make more than one cash deposit per month at a location that’s not Walmart, especially if you live in NY, VT, or TX and won’t have to pay the monthly fee. If you live in another state and are planning to make cash deposits at Walmart, the Bluebird is a better option.

American Express Serve Cash Back®

Rewards
  • Unlimited 1% cash back on all purchases
  • No credit check
  • No minimum balance required
  • Purchase Protection
  • Fraud Protection
  • 2.7% foreign transaction fee
  • $7.95 monthly fee
Rewards
  • 1% cash back on all purchases
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2.7%

This is the only prepaid American Express card to offer rewards: 1% cash back on every purchase. Just note you’d need to spend $795 per month to make up for its $7.95 monthly fee.

We recommend this card: if you live in NY, VT, or TX, and can earn rewards without the monthly fee. It may also be worth it if you plan to spend more than $800 per month on the card and won’t be using cash reloads (which, at $3.95 each, could quickly drain your cash back earnings).

Alternatives to Amex Prepaid Cards

While Amex prepaid cards can provide an easy way to manage your money, they do come with fees.

If you can get a bank account and a debit card (we love this one from Schwab), we’d generally recommend that as a better choice, because you’ll have a wider range of options and will likely be subject to fewer fees.

Or, if you want to build your credit, we’d recommend looking into secured credit cards. Since your deposit serves as your credit line, they don’t come with the risk of falling into debt that unsecured credit cards do.

Related Post

11 Best Starter Credit Cards (And All the Credit Questions You Were Afraid to Ask)

Written by

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

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Do you have a correction, tip, or suggestion for a new post? Contact us here.

The responses below are not provided or commissioned by bank advertisers. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered.

Источник: https://www.creditcardinsider.com/blog/american-express-prepaid-cards-read-this-before-signing-up/
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Some of the best credit cards on the market are offered by American Express and its partners. Amex has a card available for pretty much anyone, including credit card beginners, casual travelers, road warriors and business travelers.  We’ve pulled together the top 16 card offerings from our partner American Express — let’s see how they stack up against each other.

Terms & restrictions apply.See rates & fees

Best for high-end benefits

5 - 10X points

  • 10X Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

100,000 points

100,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for U.S. supermarkets and restaurants

3 - 4X points

  • 4X Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

60,000 points

60,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points walmart money card number flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's American express card sign in Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for maximizing cash back

1 - 6% cash-back

  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

$300

$300 american express card sign in $0 introductory annual fee for the first year, then $95.

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. 

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95 local food shops near me
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for frequent business travelers

1.5 - 5X points

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

120,000 points

120,000 points

$595 (10/14-1/12/22)

670-850

Good, Excellent

670-850

Good, Excellent

Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton chase online access programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for cash-back beginners

1 - 3% cash-back

  • 3% 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • best shows on amazon prime now 2% 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% american express card sign in 1% Cash Back on other purchases

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure american express card sign in no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. http www warez bb org down required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for flexible earning on business expenses

1 - 4X points

  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

70,000 points

70,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend american express card sign in most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees
Источник: https://thepointsguy.com/credit-cards/american-express/

American express card sign in -

Compare Credit Cards

Credit cards subject to credit approval. Certain fees and restrictions may apply.

1 Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% additional Cash Back on top of the 1% Base Cash Back) include: groceries (representing grocery stores/supermarkets, freezer/meat provisioners, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back on gas purchases. While this list can be a helpful guide, please remember that purchases and transactions are submitted and categorized by the merchant. Bank of the West does not control how the purchases are classified. Some purchases may not fall into the category where you might expect them to appear.

2 Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders

3 For more information about Zero Liability protection, refer to www.Mastercard.us/zero-liability.html. Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits for details.

Mastercard and the Mastercard Brand Mark are registered trademarks.

Источник: https://www.bankofthewest.com/personal-banking/credit-cards.html

Direct Express® Prepaid Debit Card

The Direct Express® card is a prepaid debit card option for federal benefit recipients to receive their benefits electronically. With the Direct Express® card, your federal benefit payment is automatically deposited directly into your card account each month on your payment day. This prepaid debit card offers the convenience and security of to spend and access your money rather than using cash for purchases. Cardholders can make purchases at stores that accept Debit MasterCard®, pay bills, purchase money orders from the U.S. Post Office and get cash from ATMs or financial institutions that display the MasterCard® acceptance mark. No bank account or credit check is required to enroll. There are no sign-up fees or monthly account fees. Many card services are free. Additional information about the Direct Express® card is available at www.USDirectExpress.com.

The Direct Express® card is a prepaid debit card option for federal benefit recipients to receive their benefits electronically. With the Direct Express® card, your federal benefit payment is automatically deposited directly into your card account each month on your payment day. This prepaid debit card offers the convenience and security of to spend and access your money rather than using cash for purchases. Cardholders can make purchases at stores that accept Debit MasterCard®, pay bills, purchase money orders from the U.S. Post Office and get cash from ATMs or financial institutions that display the MasterCard® acceptance mark. No bank account or credit check is required to enroll. There are no sign-up fees or monthly account fees. Many card services are free. Additional information about the Direct Express® card is available at www.USDirectExpress.com.

Источник: https://www.benefits.gov

Get more out of being an
American Express® Cardmember
with an Online Services Account

Terms & Conditions

 

1. You may be approved to temporarily spend over your credit limit but you may be subject to an overlimit fee. Any overlimit transactions will increase your Minimum Payment Due. This request is not valid for cash withdrawals. Certain changes to your account could affect the approved amount.


2. To be eligible, you must be an American Express Cardmember for more than six (6) months and account must be in good standing. Credit limits are subject to change in accordance with your Cardmember Agreement


3. Account Alerts is a free service for American Express Cardmembers. However, your cell phone service provider may apply fees for incoming text messages. Please contact them for further details.


4. With the Pre-Authorized Payment Plan, a predetermined amount is debited from your bank account on the payment due date each month. This payment option is only available to Consumer or Small Business Accounts. The Pre-Authorized Payment Plan is currently not available for Corporate Accounts.


Any Canadian dollar deposit bank account held at a Canadian financial institution is eligible for enrollment in the Pre-Authorized Payment Plan. The account must belong to you or, for joint accounts, you must have signing authority for the account. Foreign accounts are not eligible. If you choose to register a business account, you must be a signatory on that account.


Your enrollment in pre-authorized payments or changes made to your enrollment will not take effect until your next billing cycle. You are still required to make a manual payment for the current billing period. 


Depending on your financial institution, it may take up to 3 business days for your deposit account to be debited by your financial institution. Please check with your financial institution for details.Please ensure there are sufficient funds in your bank account when making payments. Fees for a returned payment are listed within your disclosure statement. For full terms and conditions of the Electronic Payment Program Agreement, visit americanexpress.ca/AutomaticPaymentTerms.


5. Your initial payment can only be scheduled 3 calendar days after you have successfully enrolled in the Payment Program. Subsequent payments can be credited to your account same day if submitted prior to 8 P.M. (ET).


6. Account must be in good standing. An additional card is a supplementary card. Supplementary Card annual fee may apply.  Supplementary Card annual fee varies by product. Supplementary Cardmembers must be at least 13 years old. Maximum of 9 supplementary cards per account.

 

7. Eligible cards will vary by offer and are subject to change. Select American Express Cards issued by Amex Bank of Canada are eligible cards for the offer. The following cards are not eligible: American Express Corporate Cards, American Express® Gift Cards and Prepaid Cards. Subject to offer terms and conditions, and full program terms.

 

 

Apple, the Apple logo, Touch ID, Face ID and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App store is a service mark of Apple Inc.

 

Android and Google Play are trademarks of Google Inc.

Источник: https://www.americanexpress.com/ca/en/customer-service/digital/online-account.html

Personal & Small Business sign-in

Get it on the App Store
Download the Bank of America App

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Or we can text a download link directly to your phone

By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Get it on the App Store
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Or we can send you a link by email

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Get it on Google Play
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Or we can text a download link directly to your phone

By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.

Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.

Get the mobile banking app

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Источник: https://www.bankofamerica.com/online-banking/sign-in/

Fidelity® Rewards Visa Signature® Card

We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

1. You will earn 2 Points per dollar in eligible net purchases (net purchases are purchases minus credits and returns) that you charge. Account must be open and in good standing to earn and redeem rewards and benefits. Upon approval, refer to your Program Rules for additional information. You may not redeem Reward Points, and you will immediately lose all of your Reward Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death). Reward Points will not expire as long as your Account remains open. Certain transactions are not eligible for Reward Points, including Advances (as defined in the Agreement, including wire transfers, travelers checks, money orders, foreign cash transactions, betting transactions, lottery tickets and ATM disbursements), Annual Fee, convenience checks, balance transfers, unauthorized or fraudulent charges, overdraft advances, interest charges, fees, credit insurance charges, transactions to fund certain prepaid card products, U.S. Mint purchases, or transactions to purchase cash convertible items. The 2% cash back rewards value applies only to Points redeemed for a deposit into an eligible Fidelity account. The redemption value is different if you choose to redeem your Points for other rewards such as travel options, merchandise, gift cards, and/or statement credit. Other restrictions apply. Full details appear in the Program Rules new card customers receive with their card. Establishment or ownership of a Fidelity account or other relationship with Fidelity Investments is not required to obtain a card or to be eligible to use Points to obtain any rewards offered under the program other than Fidelity Rewards.

2.

Because the interest and other fees charged on any outstanding balance are greater than the cash value of the rewards points, you may pay more in fees and interest than the value of the points you earn if you do not pay your bill in full each month.

3.

To receive a deposit, you must link your eligible Fidelity® account to your card. This can be accomplished in any of following ways. 1. You may contact Elan Financial Services Customer Service at the toll-free phone number located on the back of your credit card and provide them with your eligible Fidelity® account (s) number. 2. Simply select the “Manage Reward Points” hyperlink from the credit card snapshot page on Fidelity.com and follow the easy steps. You may also watch a brief video that describes the linking process on the credit card snapshot page also found on Fidelity.com. Please note that automatic redemptions will occur on a monthly basis as long as you have reached the point redemption threshold of 2,500 Points.

4.

Eligible accounts include most nonretirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, Fidelity Charitable® Giving Account®, Fidelity HSA®, and Fidelity®-managed 529 College Savings Plan accounts. The ability to contribute to an IRA or 529 college savings plan account is subject to IRS rules and specific program policies, including those on eligibility and annual and maximum contribution limits. Full details appear in the Program Guidelines new card customers receive with their card. Contributions to Fidelity Charitable® are generally eligible for a federal income tax charitable deduction. Please consult with your tax advisor. The list of eligible registration types may change without notice at Fidelity’s sole discretion. For more information about whether a particular registration is eligible, please call 1-800-FIDELITY (800-343-3548).

5. Certain restrictions apply to each benefit. Details accompany new account materials.

6.

Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardmember must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

7.

Cardmembers are responsible for the cost of any goods or services purchased by the Visa Signature Concierge on cardmembers’ behalf.

8. Fidelity Rewards+ generally requires $250,000 invested through Fidelity® Wealth Services, Fidelity® Strategic Disciplines, or a combination of both registered as an individual account, a joint account, or certain types of revocable trusts. Assets in other registration types, such as irrevocable trusts, partnerships, or LLCs, will not be included when determining program eligibility. Fidelity Rewards is not offered as a component of any advisory service or program through Fidelity, including, without limitation, Fidelity® Wealth Services and Fidelity® Strategic Disciplines. While there are no program enrollment fees, eligible managed accounts are charged an advisory fee.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

Fidelity Charitable® is the brand name for Fidelity Investments® Charitable Gift Fund, an independent public charity with a donor-advised fund program. Various Fidelity companies provide services to Fidelity Charitable. The Fidelity Charitable name and logo and Fidelity are registered service marks of FMR LLC, used by Fidelity Charitable under license.

"Giving Account" is a registered service mark of the Trustees of Fidelity® Charitable.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Google, Google Pay and the Google Logo are trademarks of Google LLC.

©2020 Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd. Use only in accordance with law.

© 2021 The Kiplinger Washington Editors. Used under License.

Fidelity Go® provides discretionary investment management for a fee. Advisory services offered by Fidelity Personal and Workplace Advisors LLC (FPWA), a registered investment adviser. Brokerage services provided by Fidelity Brokerage Services LLC (FBS), and custodial and related services provided by National Financial Services LLC (NFS), each a member NYSE and SIPC. FPWA, FBS and NFS are Fidelity Investments companies.

The creditor and issuer of this card is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

Fidelity® and Elan Financial Services are separate companies.

Visa and Visa Signature are registered trademarks of Visa International Service Association and are used by the issuer pursuant to a license from Visa U.S.A., Inc.

Third-party trademarks appearing herein are the property of their respective owners. All other service marks are property of FMR LLC.

Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

Источник: https://www.fidelity.com/cash-management/visa-signature-card
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Some of the best credit cards on the market are offered by American Express and its partners. Amex has a card available for pretty much anyone, including credit card beginners, casual travelers, road warriors and business travelers.  We’ve pulled together the top 16 card offerings from our partner American Express — let’s see how they stack up against each other.

Terms & restrictions apply.See rates & fees

Best for high-end benefits

5 - 10X points

  • 10X Earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • 5X Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
  • 5X Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

100,000 points

100,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee.

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • The current welcome bonus on this card is quite lucrative. TPG values it at $2,000, not including any points you may earn from the temporary 10x bonus categories.
  • This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
  • The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.

Cons

  • The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
  • Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
  • The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
  • Earn 100,000 Membership Rewards® Points after you spend $6,000 on purchases on the Card in your first 6 months of Card Membership.
  • Plus, earn 10x points on eligible purchases on the Card at restaurants worldwide and when you Shop Small in the U.S., on up to $25,000 in combined purchases, during your first 6 months of Card Membership.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®.
  • $240 Digital Entertainment Credit: Get up to $20 in statement credits each month when you pay for eligible purchases with the Platinum Card® at your choice of one or more of the following providers: Peacock, Audible, SiriusXM, and The New York Times. Enrollment required.
  • $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Cost includes $12.95 plus applicable local sales tax.
  • American Express has expanded The Centurion® Network to include 40+ Centurion Lounge and Studio locations worldwide. Now there are even more places your Platinum Card® can get you complimentary entry and exclusive perks.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year in baggage fees and more at one select qualifying airline.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
  • $300 Equinox Credit: Get up to $25 back each month on select Equinox memberships when you pay with your Platinum Card®. Enrollment required.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • $695 annual fee.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for U.S. supermarkets and restaurants

3 - 4X points

  • 4X Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery.
  • 4X Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • 3X Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

60,000 points

60,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

This isn’t just a card that’s nice to look at. It packs a real punch, offering 4x points at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x). There’s also an up to $120 annual dining credit at Grubhub, Seamless, The Cheesecake Factory, Ruth’s Chris Steak House, Boxed, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x).
  • 3x points on flights booked directly with the airline or with Amex Travel.
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months.

Cons

  • Weak on travel and everyday spending bonus categories.
  • Not as effective for those living outside the U.S.
  • Some may have trouble using Uber/food credits; few travel perks and protections.
  • Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.
  • Earn 60,000 Membership Rewards® Points after you spend $4,000 on eligible purchases with your new Card within the first 6 months.
  • Earn 4X Membership Rewards® Points at Restaurants, including takeout and delivery, and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub, Seamless, The Cheesecake Factory, Ruth's Chris Steak House, Boxed, and participating Shake Shack locations. This can be an annual savings of up to $120. Enrollment required.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for maximizing cash back

1 - 6% cash-back

  • 6% 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
  • 6% 6% Cash Back on select U.S. streaming subscriptions
  • 3% 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
  • 3% 3% Cash Back at U.S. gas stations
  • 1% 1% Cash Back on other purchases

$300

$300

$0 introductory annual fee for the first year, then $95.

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. 

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Pros

  • This card has one of the best earning structures out for among cash-back credit cards.
  • $0 intro annual fee for the first year, then $95
  • The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.

Cons

  • There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
  • You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • $0 intro annual fee for the first year, then $95.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 12 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 12 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for frequent business travelers

1.5 - 5X points

  • 5X Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 1.5X Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.

120,000 points

120,000 points

$595 (10/14-1/12/22)

670-850

Good, Excellent

670-850

Good, Excellent

Why we chose it

The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more.

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees

Pros

  • Up to $100 credit for Global Entry or TSA PreCheck application fee every four to five years.
  • Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
  • Access to the Fine Hotels & Resorts program and Hotel Collection.
  • Extended warranty protection.
  • International Airline Program; and Cruise Privileges Program.

Cons

  • Steep annual fee.
  • Can be difficult to meet the $15,000 minimum spend for smaller businesses.
  • Limited high bonus categories outside of travel.
  • Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
  • Plus, 0% Intro APR for 12 months from the date of the account opening on purchases eligible for Pay Over Time. After that, your APR will be 14.24% to 22.24% based on your credit worthiness and other factors as determined at the time of account opening.
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • Earn 1.5X Membership Rewards® points on eligible purchases in key business categories, as well as on purchases of $5,000 or more everywhere else. Cap applies.
  • Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Enrollment required.
  • $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year toward baggage fees and more at one qualifying airline.
  • $179 CLEAR® Credit: Use your Card and get up to $179 back per year on your CLEAR® membership.
  • Access to more than 1,300 airport lounges across 140 countries and counting with The American Express Global Lounge Collection®. More lounge options than any other credit card on the market as of 8/2020.
  • $595 Annual Fee ($695 if application is received on or after 01/13/2022).
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for cash-back beginners

1 - 3% cash-back

  • 3% 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% 2% cash back at U.S. gas stations and at select U.S. department stores.
  • 1% 1% Cash Back on other purchases

$200

$200

670-850

Excellent, Good

670-850

Excellent, Good

Why we chose it

The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations.

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Pros

  • 3% cash back at U.S. supermarkets
  • No annual fee.
  • 2% cash back at U.S. gas stations and select U.S. department stores .
  • Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)

Cons

  • There is a $6,000 spending cap on the supermarket bonus category, which may not work for those with larger annual grocery spend.
  • You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 plan fees on plans created during the first 15 months after account opening. Plans created after that will have a monthly plan fee up to 1.33% of each purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
  • Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, 13.99% to 23.99%.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits.
  • No annual fee.
  • Terms Apply.
  • See Rates & Fees

Terms & restrictions apply.See rates & fees

Best for flexible earning on business expenses

1 - 4X points

  • 4X Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
  • 1X 1X is earned for other purchases. **
  • 25% Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

70,000 points

70,000 points

670-850

Excellent/Good

670-850

Excellent/Good

Why we chose it

The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4x points in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all.

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees

Pros

  • You'll earn 4x Membership Rewards points in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1x).
  • Pay for eligible flights booked with Amex Travel with points and get 25% of them back (up to 250,000 points back per calendar year)

Cons

  • Hefty $295 annual fee.
  • No monthly or annual credits such as on the Amex Buiness Platinum or consumer Amex Gold.
  • There may be better options for small businesses who don't spend a lot.
  • Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
  • More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
  • **4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
  • Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*
  • Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
  • *Terms Apply
  • See Rates & Fees
Источник: https://thepointsguy.com/credit-cards/american-express/

American Express Prepaid Cards: Read This Before Signing Up

Want the convenience of paying with plastic, without the responsibility that comes with credit?

Not interested in opening a bank account?

If you’re nodding your head, you might want to take a look at American Express prepaid cards. As with other prepaid debit cards, you load these cards with your own money, and then can use them wherever Amex is accepted. Since you can’t spend more than what you’ve deposited, they’re a less risky way to get started with plastic.

How Do American Express Prepaid Cards Work?

Getting and using an American Express prepaid card is simple. Here are the four basic steps involved.

  1. Register for a card like the American Express® Serve® (Review) or American Express® Bluebird®.
  2. Load it with funds.
  3. Use the card for purchases, bills, etc.
  4. Reload the card when you need more funds.

1. Sign up

You can register for a prepaid American Express® Serve® (Review) or American Express® Bluebird® card online for free. You must be 18 years old and have a Social Security number and an email address. (For the Bluebird card, you must be 19 if you live in Alabama or Nebraska, and can’t apply for the card if you live in Vermont.)

Alternatively, you can pay up to $3.95 (Serve) or $5 (Bluebird) to purchase your prepaid card from a big box store or pharmacy. Just note you won’t have access to the card’s full features until you register your account online.

2. Load it with funds

When you’re ready to put money on your new American Express prepaid card, there are several different routes you can take:

  • Direct deposit your paychecks or government benefits on a regular basis.
  • Use mobile check deposit (note you’ll need to wait 10 days to access the money, unless you’re willing to fork over a fee of 1%–5%, with a minimum of $5).
  • Link your debit card or checking or savings account.
  • Load your card with cash at 40,000 retail locations, such as CVS, Dollar General, Family Dollar, Rite Aid, Walmart, and 7-Eleven (you’ll pay between $0 and $3.95 for this service).

3. Use the card

You can now use your prepaid card anywhere American Express debit cards are accepted.

For example, you could…

  • Shop in stores or online.
  • Pay bills, either online or by requesting mailed checks through the free Online Bill Pay portal.
  • Withdraw cash for free at more than 30,000 MoneyPass ATMs (non-MoneyPass ATM withdrawals will cost $2.50 plus the ATM operator fee).
  • Send and receive money for free between other users with the same type of Amex prepaid card.
  • Send a money transfer to friends and family members, who will be able to pick it up at the nearest Walmart within minutes (fees: $4–$4.99 for transfers up to $50, $8–$8.99 for transfers between $50.01 and $1,000, and $16–$16.99 for transfers between $1,000.01 and $2,500).
  • Pick up cash at Walmart yourself (fees: $3–$3.49 for withdrawals up to $500, $6–$6.49 for withdrawals between $500.01 and $1,000, and $9–$9.49 for withdrawals between $1,000.01 and $2,500).

When you’re picking up cash, you can raise your $2,500 limit to $2,900 by direct depositing your tax refund into your Amex prepaid account.

4. Reload the card

At any point, you can reload your card with more money using one of the methods mentioned in Step 2. Or, you can close your account without penalty; it’s up to you.

Perks of American Express Prepaid Cards

Once you’ve got an Amex prepaid card account, you’ll be eligible for a range of benefits, including:

  • Early direct deposit: If you sign up for direct deposit with your American Express prepaid card, you may get your paycheck up to two days earlier than you would with a normal bank account.
  • Subaccounts: You can create up to four free accounts for other users ages 13 or older. You’ll be able to control their balances and monitor their spending, which might come in handy if you’ve got kids.
  • No hidden fees: Amex claims to be transparent with its cards’ fees; unlike some prepaid card issuers, for example, it doesn’t charge for inactivity or cancellation.
  • Amex Offers: Get access to a variety of discounts at a changing selection of partner merchants.
  • Purchase protectionIf you purchase an item on your prepaid card, and it gets stolen or damaged within 90 days, Amex will reimburse you for the purchase price (up to $1,000 per incident and $50,000 per year).
  • Roadside assistance: Call for help when you need a tow or a charge, though you’ll need to pay for any services rendered.
  • Fraud protectionIf your card is lost or stolen, Amex says it will “protect you against fraudulent purchases.”
  • Other Amex benefits: You’ll be eligible for 24/7 customer service and access to Amex Experiences.
  • FDIC insurance: Just like at a traditional bank, your money is federally insured up to $250,000.
  • Mobile app: Both the Bluebird and Serve cards have their own apps, from which you’ll be able to check your balance, send money, and view account activity. You can also opt for text alerts regarding your transactions.

Pros and Cons of American Express Prepaid Cards

Want a quick overview of the pluses and minuses of Amex prepaid cards? Here you go.

Pros

  • Offer a convenient way to shop and pay bills
  • Provide free cash withdrawals at 30,000 ATMs
  • Come with a range of American Express perks, such as early direct deposit and fraud protection
  • Allow for free, easy-to-monitor subaccounts for other users
  • Are easier to budget with than credit cards (since you can only spend what you’ve put on the card)

Cons

What’s the Best American Express Prepaid Card?

Amex offers four main prepaid cards that vary in fees and features. (Note that if you live in New York, Vermont, or Texas, you won’t have to pay monthly fees on any of the cards below.)

  • American Express® Bluebird®: No monthly fee, free cash reloads at Walmart
  • American Express® Serve® (Review): No monthly fee if you deposit $500 per month
  • American Express® Serve® FREE Reloads: As you can see, reload for free.
  • American Express® Serve® Cash Back: 1% cash back for every purchase, but a monthly fee of $7.95

American Express® Bluebird®

Rewards
  • Mobile check capture
  • Access your money up to two days faster with direct deposit
  • Free withdrawals at MoneyPass ATMs; $2.50 fee at other ATMs
  • Free cash loading at Walmart
  • $0 monthly/annual fee
  • No foreign transaction fees
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction FeeN/A

The shiniest thing about this card is it doesn’t charge any monthly fees. Its cash reloads are also free — as long as you do them at a Walmart. Once your card is registered, you can add between $20 and $1,999 at a time. Unlike the cards below, it also doesn’t charge foreign transaction fees (which will save you 2.7% if you purchase items abroad!).

We recommend this card: for most people. With no monthly fees and free Walmart cash reloads, this is our favorite Amex prepaid card.

American Express® Serve®

Rewards
  • Your Full Service Reloadable Prepaid Account. (American Express Serve is not a credit card.)
  • No credit check. No minimum balance. No hidden fees.
  • FREE Direct Deposit gets you access to your money up to 2 days faster.
  • FREE ATM withdrawals at over 24,000 ATMs nationwide.
  • FREE Online Bill Pay and money management tools.
  • Enjoy American Express service and security 24/7. Shop online or off and get access to Card Membership benefits like Purchase Protection.*
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2.7% after conversion to U.S. Dollars

The information related to American Express® Serve® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

While this card charges a $6.95 monthly fee, it’s waived any month in which you direct deposit $500 or more. Cash reloads cost up to $3.95 each, depending on the retailer.

We recommend this card: if you plan to direct deposit at least $500 into the account each month. Otherwise it’s not worth the monthly fee.

American Express Serve® FREE Reloads

Rewards
  • No credit check
  • Free reloads at over 45,000 locations
  • No minimum balance required
  • Purchase Protection
  • Fraud Protection
  • 2.7% foreign transaction fee
  • $6.95 monthly fee (No fee in TX, NY, VT)
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2.7%

As the name suggests, the standout feature of this card is the fact you can reload it with cash for free at more than 45,000 locations. The $6.95 monthly fee (No fee in TX, NY, VT), however, is unavoidable.

We recommend this card: if you plan to make more than one cash deposit per month at a location that’s not Walmart, especially if you live in NY, VT, or TX and won’t have to pay the monthly fee. If you live in another state and are planning to make cash deposits at Walmart, the Bluebird is a better option.

American Express Serve Cash Back®

Rewards
  • Unlimited 1% cash back on all purchases
  • No credit check
  • No minimum balance required
  • Purchase Protection
  • Fraud Protection
  • 2.7% foreign transaction fee
  • $7.95 monthly fee
Rewards
  • 1% cash back on all purchases
Balance transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

  • Intro Balance Transfer APRN/A
  • Regular Balance Transfer APRN/A
  • Balance Transfer FeeN/A
How to Transfer a Balance on a Credit Card
Fees
  • Penalty APRN/A
  • Late FeeN/A
  • Returned Payment FeeN/A
  • Additional Cards Annual FeeN/A
  • Foreign Transaction Fee2.7%

This is the only prepaid American Express card to offer rewards: 1% cash back on every purchase. Just note you’d need to spend $795 per month to make up for its $7.95 monthly fee.

We recommend this card: if you live in NY, VT, or TX, and can earn rewards without the monthly fee. It may also be worth it if you plan to spend more than $800 per month on the card and won’t be using cash reloads (which, at $3.95 each, could quickly drain your cash back earnings).

Alternatives to Amex Prepaid Cards

While Amex prepaid cards can provide an easy way to manage your money, they do come with fees.

If you can get a bank account and a debit card (we love this one from Schwab), we’d generally recommend that as a better choice, because you’ll have a wider range of options and will likely be subject to fewer fees.

Or, if you want to build your credit, we’d recommend looking into secured credit cards. Since your deposit serves as your credit line, they don’t come with the risk of falling into debt that unsecured credit cards do.

Related Post

11 Best Starter Credit Cards (And All the Credit Questions You Were Afraid to Ask)

Written by

Susan Shain

Susan is a freelance writer who specializes in turning complex financial topics into engaging and accessible articles. She's been writing about personal finance for six years, and was previously the senior writer at The Penny Hoarder and a staff writer at Student Loan Hero. Her personal finance writing has also appeared in publications like MarketWatch and Lifehacker.

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Источник: https://www.creditcardinsider.com/blog/american-express-prepaid-cards-read-this-before-signing-up/

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American express card sign in
American express card sign in
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american express card sign in

5 Replies to “American express card sign in”

  1. Guys anybody get the hard copy of provisional offer letter of union bank of india..please inform

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