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American Express Essential Review
The Bottom Line
A low-interest credit card to gain access to American Express experiences. While this card offers decent low-interest rates, there may be better alternatives if you're not particularly interested in the American Express experience benefits.
APPLY NOW
on American Express' website
Welcome Bonus
N/A
Rewards Rate
No Rewards
Annual Fee
$25
Interest Rates
12.99%* / 12.99%*
Rewards
No rewards earned on purchases
Insurance
Coverage
Travel Accident
$100,000
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Amex Experiences™
Access virtual events and special offers curated for Cardmembers with Amex Experiences™
Eligibility
Credit Score
Very GoodAnnual Income
N/A
*American Express is not responsible for maintaining or monitoring the accuracy of information on this website. If you apply and get approved for an American Express Card, (I/we) may receive compensation from American Express, which can be in the form of monetary payment. Check here for full details and current product information. Check here for full details and current product information.
Card Details
Interest Rates
Purchase APR
12.99%*
Cash Advance APR
12.99%*
* Subject to approval. The preferred rate for purchases and funds advances is 12.99%. If you have 2 separate Missed Payments, the applicable rates for your account will be 25.99%. If you have 3 separate Missed Payments, the applicable rates for your account will be 28.99%. See the information box included with the application for the definition of Missed Payment and which rates apply to charges on your account and other details.
Fees
Annual Fee
$25
Additional Cards
$0
Eligibility
Minimum Individual Income
N/A
Minimum Household Income
N/A
Credit Score Estimate
Very Good
Type
Card Type
Credit
Reward Type
None
Pros & Cons
Pros
- Lower interest rates
- Access to American Express experiences
Cons
- No rewards
- American Express cards are not as widely as accepted as Visa and Mastercard
- Small annual fee
APPLY NOW
on American Express' website