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
American Express (a WalletHub advertising partner) is best known for its rewards credit cards and charge cards – the two primary types of cards targeted to people who pay their bills in full every month. Nevertheless, you should be able to find a few American Express 0% APR credit cards listed below, since Amex also understands the importance of attracting customers who typically are able to pay their bills in full but may need a bit more extra time to accommodate certain big-ticket purchases. ( 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 the rest of Amex’s credit card business, are typically geared toward people with excellent credit. If you do not have excellent credit (try our Free Credit Check if you aren’t sure), this gives you all the more reason to expand your search criteria past 0% APR American Express offers in order to include 0% Mastercards , 0% Visa cards , and 0% Discover cards . It’s a good idea to have a large basis of comparison prior to submitting an online application in order to ensure that you’re getting the best 0% card for your individual needs. Once you identify the card with the best terms, simply apply for it online. Just make absolutely sure that you will be able to comfortably pay down your balance before the intro rate is replaced by a much higher regular APR.… show moreshow less
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Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
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0% for 12 months 3% (min $5) Transfer Fee
Regular APR
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13.99% - 24.99% (V)
Rewards Details
- $100 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 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
- No annual fee.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- See More Details & Reviews About TheBlue Cash Everyday® Card from American Express
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 months 3% (min $5) Transfer Fee
Regular APR
→
13.99% - 24.99% (V)
Rewards Details
- $150 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 13.99% to 24.99%.
- Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
- $95 annual fee.
- See More Details & Reviews About TheBlue Cash Preferred® Card from American Express
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
0% for 12 months 3% (min $5) Transfer Fee
Regular APR
→
13.99% - 23.99% (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.
- 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 and limitations apply.
- 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases. Terms and limitations apply.
- You can use Membership Rewards® points for all or part of your flight, hotel booked and paid in advance, vacation or cruise booking.
- Terms Apply.
Additional Info
- No annual fee. Plus, 0% intro APR on purchases and balance transfers for 12 months, then a variable rate, currently 13.99% to 23.99%, based on your creditworthiness and other factors.
- See More Details & Reviews About The Amex EveryDay® Credit Card from American Express
Purchase Intro APR
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0% for 6 months
Transfer Intro APR
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Not Offered
Regular APR
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16.24% (V)
Annual Fee
$95
Rewards Rate
1 - 5 points / $1
Minimum Credit
Good
Rewards Details
- Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases within the first 3 months
- Earn a $50 certificate to be used towards the purchase of Genuine Mercedes-Benz Accessories (not parts or service) after the first eligible purchase is charged to your Mercedes-Benz Card account during your first year of Card Membership, and each year after renewal of your Card account.
- Receive a $500 certificate each year you spend $5,000, good toward the future purchase or lease of a new Mercedes-Benz
- Earn 5X points on select Mercedes-Benz purchases, 3X points on gas purchases on the first $15,000 per calendar year, 2X points on eligible travel purchases through amextravel.com and on U.S. Restaurants and 1 point per dollar on all other eligible purchases.
- Membership Rewards® Pay with Points: In a few clicks, you can use points to book your next trip with American Express Travel. Pay with Points covers just about everything travel-related – from airfare, to accommodations, car rentals and more. Use points to fly any airline, any time with no blackout dates or seat restrictions – starting with just 5,000 points
Additional Info
- Travel Benefits: Global Assist® Hotline, Travel Accident Insurance, Car Rental Loss and Damage Insurance, Roadside Assistance.
- Purchase Protection and Extended Warranty.
- See More Details & Reviews About TheMercedes-Benz Credit Card
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† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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