American Express Credit Cards
Here is a summary of all the American Express credit cards offered on our site. Our objective opinion is included on each card.
1. Starwood Preferred Guest® Credit Card from American Express
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| Interest Rate*: | 15.24% |
|---|---|
| Intro Rate: | 2.9% APR for 6 Months |
| Grace Period: | 20 Days |
| Credit Limit: | up to $100,000 |
| Annual Fee: | $45 |
Special Offers: The introductory rate is available on balance transfers submitted during the application process.
Our Opinion: Created for those with good credit who often stay at Starwood resorts and hotels. The interest rate for purchases is reasonably low for a reward card. The annual fee is $30. Earn 1 point per $1 spent on the card and 2 points per $1 spent for Starwood related purchases (Starwood has over 750 participating hotels and resorts). Redeem points for various travel related services including free hotel stays and airline travel. Members receive 10,000 points (3 free nights at some hotels) with first purchase. Receive an additional 15,000 Starpoints if you spend $15,000 in 6 months. Points do not expire as long as you make one eligible stay per year. Transfer earned points to a variety of frequent flyer programs. Benefits include auto rental insurance, travel accident insurance, and various fraud protection services with each usage. This card will benefit those who will pay in full each month after the intro rate expires, frequently stay at Starwood Hotels and Resorts (to earn additional points), and can accumulate enough points for a free hotel stay or other travel related service within a two-year period.
2. TrueEarnings® Card from Costco and American Express
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| Interest Rate*: | 15.24% |
|---|---|
| Intro Rate: | 0% APR for 6 Months |
| Grace Period: | 20 Days |
| Credit Limit: | n/a |
| Annual Fee: | None |
Special Offers: n/a
Our Opinion: Created for Costco members who have average credit and will take advantage of the cash back reward program. Cash rebate varies by where you make the purchase: 1% is earned on general purchases, 2% is earned for travel-related purchases. 3% is earned for restaurant purchases. 3% is earned for gasoline purchases up to $3,000, 1% thereafter. Earn unlimited rebates. Benefits include purchase protection, travel accident insurance, and auto rental insurance. This card has an above average interest rate for purchases and balance transfers. No annual fee with a paid Costco membership. This card will benefit those who plan to spend at least $5,000 a year on the card and plan to pay in full each month.
3. Delta Reserve Credit Card
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| Interest Rate*: | 14.50% |
|---|---|
| Intro Rate: | 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
| Grace Period: | 20 Days |
| Credit Limit: | n/a |
| Annual Fee: | $450 |
Special Offers: 9.99% during the first 12 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.
Our Opinion: Created for Delta frequent flyers with good credit who want to earn miles. Earn 1 mile per $1 spent. Earn Always Double Miles® for each eligible dollar spent buying at drug stores, grocery stores, gas stations, home improvement and hardware stores, and for certain U.S. postal services. Cardholders can pay for part or all of their flights through the Pay with Miles option. Earn 10,000 Medallion® Qualification Miles (MQMs)after using your card for your first purchase. Earn up to 30,000 MQMs with Built-in Miles Boost(SM) for spending $30,000 in one year. Spend $60,000 in a year, and earn an additional 15,000 MQMs and bonus miles. The MQMs can be used to upgrade to Medallion® status or they can be transferred to friends and family members who have Delta SkyMiles® accounts. Each year, cardholders will receive a free companion certificate for travel in first-class or coach. Benefits include car rental insurance, roadside assistance, and travel accident insurance. APR is above average for a reward card. Annual fee is high-$450 per year. This card will benefit those who pay off their balance each month and spend enough to maximize the benefits of using the card.
4. Platinum Delta SkyMiles® Credit Card from American Express
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| Interest Rate*: | 14.50% |
|---|---|
| Intro Rate: | 9.99% APR During the First 12 Months of Cardmembership on Balance Transfers. |
| Grace Period: | 20 Days |
| Credit Limit: | n/a |
| Annual Fee: | $150 |
Special Offers: 9.99% during the first 12 months of Cardmembership on balance transfers submitted on this application or received within the first 30 days of account opening.
Our Opinion: Created for those with very good credit, this is one of the best of the Delta SkyMiles® Cards. Earn 1 mile per $1 spent on general purchases and 2 miles per $1 spent at participating merchants and retailers (including Delta Airlines related purchases). New applicants receive 20,000 bonus miles with first purchase. 5,000 of these are Base Miles which are applied towards the Medallion Status program for mileage bonuses, upgrade opportunities and more. Miles do not expire (however, travel must be made through Delta Air Lines at least once every 2 years), earn unlimited miles. Annual fee is $150 (reduced to $95 if you already have an American Express Charge Card). The balance transfer rate is higher than average, 3.9% for the first twelve months. The APR for purchases is above average for a reward card. Benefits include travel accident insurance and auto rental insurance. This card will benefit those who spend at least $3,00 ore more a month (due to the card's high annual fee), often fly on Delta Airlines, and will use the card at participating retailers and merchants.
