The minimum payment for an American Express credit card is generally $35 or 1% of your balance, plus fees and interest – whichever is higher. Existing cardholders can always find their required minimum payment listed on their monthly account statement.
You can learn more about the importance of making at least minimum monthly payments (and what happens if you don't) from WalletHub's guide on paying credit card bills.
American Express 0% APR Credit Cards
WalletHub makes it easy to find the best credit card for you.
American Express (a WalletHub advertising partner) is best known for its rewards credit cards and charge cards – the two main types of cards for people who pay their bills in full every month. But you should be able to find a few American Express 0% APR credit cards listed below. After all, Amex understands the importance of attracting people who typically pay in full but need a bit of extra time for certain big-ticket purchases. On that note, American Express 0% balance transfer credit cards are listed on a separate page, if any are available.
The American Express 0% interest credit cards listed below, like most other Amex cards, are typically reserved for people with excellent credit. You can check your latest credit score for free on WalletHub to see if you qualify. And if you don’t have excellent credit, you’ll have all the more reason to expand your search beyond 0% APR American Express offers. For example, you’d be wise to consider 0% Mastercards, 0% Visa cards and 0% Discover cards, too.
To get you started, WalletHub’s editors compared 30+ 0% Amex cards and chose their favorites based on how long the 0% intro rates last, what regular APRs are waiting, and how much you’ll have to pay in fees.
The American Express 0% interest credit cards listed below, like most other Amex cards, are typically reserved for people with excellent credit. You can check your latest credit score for free on WalletHub to see if you qualify. And if you don’t have excellent credit, you’ll have all the more reason to expand your search beyond 0% APR American Express offers. For example, you’d be wise to consider 0% Mastercards, 0% Visa cards and 0% Discover cards, too.
To get you started, WalletHub’s editors compared 30+ 0% Amex cards and chose their favorites based on how long the 0% intro rates last, what regular APRs are waiting, and how much you’ll have to pay in fees.
Here are the best American Express 0% APR credit cards:
- 0% for 18 Months: Bank of Hawaii American Express® Card with MyBankoh Rewards
- 0% for 12 Months: The Amex EveryDay® Credit Card from American Express
- 0% for 12 Months: Blue Cash Everyday® Card from American Express
- 0% for 12 Months:Wells Fargo Propel American Express® Card
- 0% for 12 Months: The Plenti® Credit Card from Amex
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Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
→
14.74% - 25.74% (V)
Rewards Details
- $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
- 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 monthsTransfer Fee: 3% (min $5)
Regular APR
→
14.74% - 25.74% (V)
Rewards Details
- $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
- 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
- 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
- Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- $95 annual fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 monthsTransfer Fee: $0 for the first 60 days
Regular APR
→
14.74% - 25.74% (V)
Rewards Details
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
- Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No annual fee.
- See More Details & Reviews About The Amex EveryDay® Credit Card from American Express
Rates & Fees | Terms Apply
Purchase Intro APR
→
0% for 15 months
Transfer Intro APR
→
0% for 15 monthsTransfer Fee: 3% (min $5)
Regular APR
→
14.74% - 25.74% (V)
Rewards Details
- Earn up to $250 back. Here’s how: Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership.
- Plus, earn an additional $100 statement credit after you spend an additional $6,500 in purchases within your first 12 months.
- Unlimited 1.5% Cash Back on your purchases.
- Cash Back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
- Terms Apply.
Additional Info
- Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.74% to 25.74%.
- With Plan It℠, you can set up a monthly payment plan for large purchases with a fixed monthly fee and no interest charges, all with the same rewards and protections you expect from American Express.
- Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
- No Annual Fee.
- See More Details & Reviews About TheAmerican Express Cash Magnet™ Card
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