American Express Essential™ Credit Card
Offers & Rewards
Fees & Rates
1.99% for 6 months
- Enjoy a low 8.99% interest rate on purchases
- Optional Balance Transfer Offer – Enjoy a 1.99% interest in first 6 months of Cardmembership if you choose to transfer your other credit card balances to this American Express card*
- Balance Transfer option is only available at time of online application. There is no balance transfer fee at time of application*
- Access to memorable experiences with American Express Invites™
- Shopping coverage and 24/7 Customer Service
- Have the flexibility to pay your balance in full or over time
The American Express® Essential™ Credit Card recognizes how essential it is for you to save your money. The credit card carries no annual fee and has a low purchase interest rate tallying 8.99%. If you do a lot of balance transfers, the card comes with an optional offer where you can enjoy a 1.99% interest rate on such transfers within the first six months. You can also transfer up to $7,500 from your balance without paying any fees. Eligibility for this card is open, with a good credit history and minimum income requirement of $15,000 a year required. And you won't have to pay extra fees when adding cardholders.
While there’s not much regarding perks with this card, you do get front-line access to special offers and experiences. During travel, you can fly or drive knowing that this card comes with a $100,000 travel accident insurance plan. You also get shopping protections to prevent unauthorized transactions. It’s a card that offers you bailouts anytime you feel overwhelmed when facing credit card balance payments.