The American Express Cruise Privileges Program offers special perks on cruises to eligible Amex cardholders, including shipboard credits, special amenities and bonus points. The Amex Cruise Privileges Program is currently available only to Amex Platinum and Centurion cardholders, for both the personal and business cards. A cardholder must also book a cruise of 5 nights or more through Amex Travel to be eligible.

There are two ways to book a cruise through the Amex Cruise Privileges Program: online, via the Amex Travel website, or over the phone (1-866-669-4423). Either way, you will have to cover 100% of the cost with your Amex Platinum Card or Centurion Card.

American Express Gold Card Review Summary

American Express® Gold Card offers lots of rewards, especially on travel and dining purchases. But it costs a pretty penny, too.

Chase Sapphire Preferred Review Summary

Chase Sapphire Preferred® Card is one of the best rewards credit cards on the market. With Sapphire Preferred, the average person would earn roughly $1,475 in net rewards value over the course of two year’s use. And that’s with the card’s $95 annual fee factored in, too. The core of this offer is a $600 to $750 initial rewards bonus, which can cover the cost of the card’s membership fees for over six years.

Delta Platinum Amex Review Verdict

The Delta SkyMiles® Platinum American Express Card is a valuable addition to any frequent Delta flyer’s wallet. In return for the $250 Platinum Delta SkyMiles annual fee, cardholders get an annual Delta companion certificate, a free checked bag on Delta flights, and a fee credit for either Global Entry or TSA PreCheck, among other benefits.

The American Express® Green Card is a card for people with good or excellent credit who want to earn extra rewards on travel expenses and at restaurants. It is best for high-spenders who plan to pay the bill in full each month and anticipate spending enough to more than cover the cost of the card’s $150 annual fee via rewards earnings.

American Express Platinum Card Review Summary

The Platinum Card® from American Express actually costs more than its weight in platinum. Standard plastic cards such as Amex Platinum tend to weigh about 5 grams each, you see, and platinum was priced around $31 per gram as of Jan. 09, 2020. That equates to roughly $155, or about one-third of the Amex Platinum Card’s $550 annual fee. While this card is therefore unquestionably expensive, the ultimate question still remains: Is it worth it?

Citi Double Cash Review Summary

The Citi® Double Cash Card – 18 month BT offer has a $0 annual fee and offers two rounds of cash back rewards with every purchase: 1% cash back when you buy and another 1% when you pay Citi back. That’s why Citi Double Cash is an excellent flat-rate rewards option for anyone with excellent credit, whether it’s for everyday use or to pair with other credit cards offering standout terms on specific types of transactions.

The Verdict: The Wells Fargo Platinum card is one of the best 0% intro credit cards on the market right now. It offers introductory APRs on both purchases and qualifying balance transfers for 18 months, trouncing the market averages for 0% cards in those categories: roughly 10.5 months for new purchases and 12.21 months for transfers.

The average credit card interest rate is 17.87% for new offers and 14.58% for existing accounts, according to WalletHub’s Credit Card Landscape Report.

Credit card interest rates tell you how much it will cost to borrow money from a credit card company, by carrying a balance from month to month. Credit card issuers indicate that cost by displaying credit card interest rates as an annualized percentage of your balance, also known as an Annual Percentage Rate (APR). For example, if your interest rate is 20% and you carry a $500 balance, you would owe roughly $100 in interest after a year.

The average credit card interest rate is 17.87% for new offers and 14.58% for existing accounts, according to WalletHub’s Credit Card Landscape Report.

Much like there are many different types of credit cards, there are lots more average credit card APRs worth considering, too. The average secured credit card’s APR is 16.63%, for example, while credit cards for people with excellent credit charge 13.04%. The rate you get depends in part on your credit standing. So before looking for a credit card with a low APR, make sure to check your latest credit score for free. That will help you determine what type of interest rate to expect.