robert_luke, Member
@robert_luke
The American Express interest rate is 17.49% (V) to 29.49% (V), depending on creditworthiness and the specific American Express credit card. Some cards also offer a 0% introductory interest rate, lasting for a specified number of months. Amex EveryDay, Amex Blue Cash Everyday, and Amex Cash Magnet Card offer 0% for 15 months intro on purchases. With the Amex EveryDay Preferred and Blue Cash Preferred you can make purchases for the first 12 months at 0% interest.
An American Express card with a 0% interest rate allows you to finance big-ticket purchases for several months without the costly interest charges.
Business owners have two American Express introductory 0% interest rate credit cards at their disposal. Both American Express Blue Business Plus and Amex Blue Business Cash offer 0% for 12 months intro APR on purchases.
American Express Interest Rates by Card:
- Amex EveryDay: 17.49% - 28.49% (V)
- Amex EveryDay Preferred: 17.49% - 27.49% (V)
- Amex Blue Cash Everyday: 18.49% - 29.49% (V)
- Amex Cash Magnet Card: 18.49% - 29.49% (V)
- Blue Cash Preferred: 18.49% - 29.49% (V)
- American Express Blue Card: 24.24% (V)
- American Express Blue Business Plus: 17.74% - 25.74% (V)
- Amex Blue Business Cash: 17.74% - 25.74% (V)
You will need at least good credit to qualify for an American Express credit card with a 0% interest rate. American Express will also review your payment history, employment, income, your level of debt, and other factors. If you’re applying for a business credit card, your personal credit history will play a significant role in the evaluation process.

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