robert_luke, Member
@robert_luke
The American Express interest rate is 17.99% (V) to 29.99% (V), depending on the card and on your overall creditworthiness. Some cards also offer a 0% introductory interest rate, lasting for a specified number of months. An American Express card with a 0% interest rate allows you to finance big-ticket purchases for several months without the costly interest charges.
The Amex cards that offer 0% intro APRs include:
- Amex EveryDay: 0% for 15 months intro on purchases
- Amex Blue Cash Everyday: 0% for 15 months intro on purchases
- Amex Cash Magnet Card: 0% for 15 months intro on purchases
- Amex EveryDay Preferred: 0% for 12 months intro on purchases
- Blue Cash Preferred: 0% for 12 months intro on purchases
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: 17.99% - 28.99% (V)
- Amex EveryDay Preferred: 17.99% - 27.99% (V)
- Amex Blue Cash Everyday: 18.99% - 29.99% (V)
- Amex Cash Magnet Card: 18.99% - 29.99% (V)
- Blue Cash Preferred: 18.99% - 29.99% (V)
- American Express Blue Business Plus: 18.24% - 26.24% (V)
- Amex Blue Business Cash: 18.24% - 26.24% (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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