What's the American Express credit card APR?

American Express offers a 0% interest rate on five of its consumer cards. The 0% rate is an introductory rate, which means it will expire after a specified number of months. The EveryDay, EveryDay Preferred, Blue Cash EveryDay, and Cash Magnet cards offer 0% interest for 15 months on purchases and balance transfers. With the Blue Cash Preferred card, you can make purchases and transfer balances for 12 months at 0% interest.

An American Express card with a 0% interest rate allows you to transfer high interest credit account debts and pay off the balance interest free during the introductory period. You can also finance big-ticket purchases for several months without the costly interest charges.

Business owners have four American Express 0% interest rate credit cards at their disposal. The Blue Business Plus Credit Card from American Express is the best of the lot with a 0% interest rate for 15 months on Purchases and Balance Transfers. The SimplyCash Plus business card gives you 0% interest for 9 months on purchases only. The Platinum Delta SkyMiles and Delta Reserve business cards offer 0% interest for six months on purchases.

Here are the American Express credit cards with a 0% interest rate:

• 0% interest for 15 months on purchases, balance transfers: Amex Everyday card. $0 balance transfer fees on balances transferred in the first 60 days. Regular APR: 14.99%-25.99%. No annual fee.
• 0% interest for 15 months on purchases, balance transfers: EveryDay Preferred. Regular APR: 14.99%-25.99%. 3 points per $1 spent at grocery stores; 2 points on gas purchase. $95 annual fee.
• 0% interest for 15 months on purchases, balance transfers: Blue Cash Everyday. 3% transfer fee ($5 min.). $150 statement credit when you spend $1,000 in the first three months. APR: 14.99%-25.99%. No annual fee.
• 0% interest for 15 months on purchases, balance transfers: Cash Magnet. 3% transfer fee ($5 min.). Regular APR: 14.99%-25.99%. $150 statement credit when you spend $1,000 in the first three months. No annual fee.
• 0% interest for 15 months on purchases, balance transfers: Blue Business Plus. 3% transfer fee ($5 min.). Regular APR: 13.24-21.24% (V). 2 points per $1 spent on business purchases. No annual fee.
• 0% interest for 12 months on purchases, balance transfers: Blue Cash Preferred. 3% transfer fee ($5 min.). 6% cash back per $1 spent at grocery stores. Regular APR: 14.99%-25.99%. $95 annual fee.
• 0% interest for 9 months on purchases: SimplyCash Plus Business. Regular APR: 14.24%-21.24% (V). 3% cash back on your choice business purchase categories. No annual fee.
• 0% interest for 6 months on purchases: Platinum Delta SkyMiles Business. Regular APR: 17.74-26.74% (V). 50,000 bonus miles when you spend $3,000 in the first three months. $195 annual fee
• 0% interest for 6 months on purchases: Delta Reserve for Business. Regular APR: 17.74-26.74%. 70,000 bonus miles when you spend $5,000 in purchases in the first 3 months.$450 annual fee.

You will need good to excellent credit to qualify for an American Express credit card with a 0% interest rate. That’s a credit score from 700 to 749 (good) and 750+ (excellent). 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.