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American Express Rewards Card Programs

How to Apply for an American Express Rewards Card

American Express offers multiple credit cards as part of the American Express rewards card program. Each card offers a different set of rewards, but all applications are available online[+].

Earning American Express Card Rewards & Benefits

The three main types of American Express rewards card are the Express, Basic and First cards. Details about reward levels and benefits are available on the comparison page of the American Express rewards card website[+].

  • Express: Earn one point for every dollar spent using the card. Extra points can be purchased at checkout.
  • Basic: Earn one point for every dollar spent using the card. Extra points can be purchased at checkout.
  • First: Earn one point for every dollar spent using the card. Extra points can be purchased at checkout.

Points are accrued on eligible purchases only. American Express rewards terms and conditions outline purchases eligible for rewards points[+].

Some American Express rewards cards offer customers the change to earn cash back rewards ranging from 1% to more than 6% of purchases.

Redeeming Your Benefits

Redeeming American Express rewards points is simple – log in to your account[+] and browse, select and redeem awards. Some of the awards available from American Express rewards program include:

  • Airline Tickets
  • Hotel Accommodations
  • Car Rentals
  • Travel Packages
  • Special Deals at Retailers
  • Gift Cards

Fee Schedule for the American Express Rewards Card Program

Fee schedules for American Express rewards cards vary based on the credit card you choose [+].

  • Annual Fee: Ranges from $0 to $450 per year.
  • APR: Ranges from 0% to 22.24%.
  • Penalty APR: On some cards, American Express charges a penalty fee. The fee is generally 23.99% plus prime.
  • Transaction Fees: Some American Express cards card transaction fees of $5 or 3% of the balance transfer or cash advance. Fees are also charged for international purchases.
  • Late Payment Fee: Maximum of $35 on most cards.
  • Returned Payment Fee: Maximum of $35 on most cards.

Cancelling Your American Express Rewards Card

If you have an American Express rewards card, contact the customer service phone number on the back of the card to cancel your account. You can also choose to contact the American Express customer service department at 1-800-528-4800. The call center is open 24 hours a day, seven days a week to assist card holders.

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