Types of credit cards
American Express has many credit card offers suitable for traveling, cash back, rewards, hotels, airline purposes. Additionally, you can choose a card with lower interest, balance transfers, 0% intro APR, and no annual fees.
Travel rewards credit cards allow you to spend on purchases and get reward points or earn miles.
No annual fee credit cards can be used for different purchases, have cash back, and other rewards. You can opt for the suitable card like Blue Cash Everyday with intro APR, no annual fee, and $200 cash back if you send $2,000 within the first six months.
Hotel credit cards usually come from Marriott. You can earn up to $100 in property credit when you book hotel rooms.
Low interest credit cards allow you to earn cashback on supermarket purchases with intro APR and ranging from 17% to 28%.
Intro APR generally lasts from 12 to 15 months, and is 0%. After that, American Express will ask you to pay a variable APR of 16.99% to 27.99%.
Pros and cons of credit cards
Pros
Many card options to choose from for different purposes.
Special offers from widely known brands are available from time to time.
Cons
It’s difficult to directly compare credit cards as there are too many of them.
High annual percentage rate. Most times, APR is variable, meaning you will be forced to pay more interest in the future.
Main requirements
American Express has the following requirements for its applicants:
Being at least 18 years old
Have a Social Security number
Provide a street address in the United States
Have a FICO score of 670+.
How to apply
To apply for a credit card, you need to choose a suitable one for you and click Apply Now. Fill in your name, email address, date of birth, phone number, and home address. You will have to provide details on your Social Security number, total annual income, and the income source. American Express will send the notification and updates on the application status on your email.
If you already have an account with American Express, sign into your account and apply for the card using the simplified procedure.