Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Full benefits & perks
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 16.74% - 26.74%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- You've got the power to spend beyond your credit limit* with Expanded Buying Power. *The amount you can spend above your credit limit is flexible, so it adapts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors. Just remember, the amount you can spend with Expanded Buying Power is not unlimited.
- Pool points with other Amex cards to unlock transfer partners
- No annual fee
Terms apply. Enrollment is required for certain benefits. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
My thoughts
This is one of those cards that doesn't get enough attention. The welcome offer isn't huge, but that's kind of the point — this is the card you open when you're between bigger offers and you still want your everyday spending going toward something valuable. We see solid approval rates on this one, and since it's a business card it doesn't count toward 5/24. Plus you can't beat the perk of having no annual fee. If you're already earning Amex Membership Rewards, this card just quietly stacks more points on top of everything else.
How to use your points
The points earned on this card are Membership Rewards®, so pool them with your other Amex cards and transfer to any of Amex's 21 partners. Here are some of the best ways to use them:
- Transfer to Flying Blue - Air France/KLM for flights to Europe — learn about Flying Blue
- Transfer to Delta SkyMiles for domestic and international flights
- Transfer to Hilton Honors at a 1:2 ratio for hotel stays
- Pool with your other Amex cards to build your balance faster — all about Amex transfer partners
A quiet workhorse — not flashy, but genuinely useful in the right situation.
- No annual fee means zero risk to open and keep it forever
- The welcome offer is small, but that's not really why you open this card
- Best used as a gap card when you're in between bigger offers
- Doesn't count toward 5/24 — a real bonus if you're managing that carefully
Thank you for using our card links when applying for new cards. It helps us run our small business at no extra cost to you. We appreciate your support!
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.