American Express Essential™ Credit Card
Get a low permanent interest rate (12.99%) on purchases, cash advances AND balance transfers. Plus, take advantage of an introductory balance transfer rate of 1.99%.
- Annual Fee
- Extra Card Fee
- Card Type
- Cash Advance
- Balance Transfer
- Balance Transfer
- Transfer Term
- 6 months
- Personal Income
- Household Income
|Extended Warranty||1 year|
|Purchase Protection||90 days|
Please review your insurance certificate for details, exclusions and limitations of your coverage.
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Getting on top of credit card debt is difficult, but hopefully, with cards like the American Express Essential, it can be a little easier.
You max your savings with a 12.99% interest rate that doesn’t depend on your credit score. You either qualify or you don’t - no bait and switch with low teaser rates here. That means you can start paying down your balance faster.
Also, that low 12.99% is on everything: purchases, cash advances, and balance transfers. And it’s 7% lower than most cards (the typical interest rate for a credit card is 19.99%).
Speaking of balance transfers, the American Express Essential card also offers a introductory rate of 1.99% on balance transfers for the first 6 months. Even more interest saving potential.
There is no annual fee for this card, but that doesn’t keep American Express from giving you access to different perks and benefits, like American Express Invites and access to the hottest events, just for being a cardholder.
Here’s more: Amex also gives you 3 different types of insurances, covering your purchases with extended warranty and purchase protection as well as giving you $100,000 of travel accident insurance – not bad for a no fee low interest card.
If you're looking for a card with the same low rate but has a better balance transfer offer, consider the
You'll get the same low rate of 12.99% on balance transfers and purchases with a balance transfer promotion of 0% for 10 months, saving you more money.
If lower permanent rates are what you're after, the