What's the American Express credit card APR?

The American Express interest rate is between 13.99% (V) and 24.74% (V), depending on creditworthiness and the specific American Express credit card. Some American Express cards also offer a 0% introductory interest rate, lasting for a specified number of months. The EveryDay, Blue Cash EveryDay, and Cash Magnet cards offer 0% interest for 15 months on purchases. With the Blue Cash Preferred and EveryDay Preferred cards, you can make purchases for 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 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 12 months on Purchases. The Blue Business Cash card also gives you 0% interest for 12 months on purchases only. 

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

• 0% interest for 15 months on purchases: Amex Everyday card. Regular APR: 12.99% - 23.99% (V). $0 annual fee.
• 0% interest for 12 months on purchases: EveryDay Preferred. Regular APR: 12.99% - 22.99% (V). 3 points per $1 spent at grocery stores; 2 points on gas purchase. $95 annual fee.
• 0% interest for 15 months on purchases: Blue Cash Everyday. $100 statement credit when you spend $1,000 in the first 6 months. APR: 13.99% - 23.99% (V). $0 annual fee.
• 0% interest for 15 months on purchases: Cash Magnet. Regular APR: 13.99% - 23.99% (V). $150 statement credit when you spend $1,000 in the first 3 months. $0 annual fee.
• 0% interest for 12 months on purchases: Blue Business Plus. Regular APR: 13.24% - 19.24% (V). 2 points per $1 spent on business purchases. $0 annual fee.
• 0% interest for 12 months on purchases: Blue Cash Preferred. 6% cash back at grocery stores on up to $6,000 per year. Regular APR: 13.99% - 23.99% (V). $95 annual fee.
• 0% interest for 12 months on purchases: Blue Business Cash. Regular APR: 13.24% - 19.24% (V). 2% cash back on all purchases up to $50,000 per calendar year. $0 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.