Chip Lupo, Credit Card Writer
@CLoop
American Express credit card interest rates can be as low as 0% introductory APR for as long as 15 months on purchases and balance transfers, with a 3% (min $5) balance transfer fee on the Blue Cash Everyday® Card from American Express. Regular, ongoing American Express credit card interest rates can be as low as 19.49% (V) or as high as 28.49% (V), depending on the card and the applicant’s credit standing.
American Express Credit Card Interest Rates by Card
- Blue Cash Preferred® Card from American Express: 19.49% to 28.49% (V) (an introductory APR of 0% for 12 months on purchases and balance transfers with a 3% (min $5) balance transfer fee)
- Blue Cash Everyday® Card from American Express: 19.49% to 28.49% (V) (an introductory APR of 0% for 15 months on purchases and balance transfers with a 3% (min $5) balance transfer fee)
- Delta SkyMiles® Gold American Express Card: 19.49% to 28.49% (V)
- Marriott Bonvoy Brilliant® American Express® Card: 19.49% to 28.49% (V)
American Express credit card interest rates are variable, meaning it can change based on certain economic conditions.
American Express gives you a 25-day grace period to avoid paying interest on your purchases. The grace period runs from the end of the billing period until the card's payment due date. You won't owe any interest if you pay your balance in full during that timeframe. Should you decide to carry a balance on your credit card, it will accumulate interest daily at the card's regular APR.
In addition to the regular rate, American Express credit cards come with a separate interest rate for cash advances and a penalty rate for delinquent payments. The interest rates will be listed on the card's monthly statement and online account summary.
If you want to learn more, you can check out WalletHub’s guide on credit card interest rates.
Popular Credit Cards from American Express, Our Partner
-
Cash Back
-
Travel Rewards
-
Dining Rewards
-
Business Rewards
People also ask
How do I get American Express to lower my interest rate?
The best way to get American Express to lower the interest rate on your credit card is to call their customer service line at (800) 528-4800 and talk with a representative. You can do this by saying “representative” to the automated customer service menu.
Simply asking can be more effective than you might think. For example, many credit card users who’ve threatened to cancel their cards if they didn’t get better terms have been successful...
read full answer by Ashley Wade, WalletHub AnalystHow do I find my Amex APR?
You can find your Amex APR through your Amex account online or from a monthly billing statement. Amex APRs are listed on the “Interest Charged” page under “Interest Charge Calculation,” which is usually on page 4 or 5 of both the hardcopy statement and the electronic version. If you do not have an Amex card yet, you can see the APR range for a particular offer by going to the “Cards” section on the Amex...
read full answer by Hector Molina, WalletHub AnalystHow can I get an American Express card cash advance?
To get an American Express cash advance, use your American Express credit card and your PIN at a participating ATM and withdraw the cash, up to the cash advance limit listed in your credit card agreement. If you don’t have a PIN, call the number on the back of your card to request one.
How to Get an American Express Cash Advance at an ATM
- Call American Express customer service at the...
Did we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.