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American Express EssentialTM Credit Card

American Express EssentialTM Credit Card

Enjoy a low 8.99% interest rate on purchases

Annual Fee Interest Rate Balance Transfer Cash Advance Credit Score Good: -- I've had a credit card, or loan for 6+ years. I've had good credit for the last 7 years (no bankruptcies or no defaults on credit as a result of failing to pay debts back to creditors). I haven't opened a new credit card account, loan, or line of credit in the last nine months. I've made the minimum payments on my existing credit cards for the past three months. Rewards Are all rewards created equal? -- From points, to miles, to cash back - how do you know how much you're really getting? To help you find the best rewards card, we've created the Your Reward Return, a rate that lets you know the rate of return from your spending into rewards so that you can compare like for like. Now that's wise thinking!
$0.00 8.99% 8.99% *Enjoy a 1.99% interest in first 6 months 8.99% Good -
  • Card Details Details

Card Details


  • Enjoy a low 8.99% interest rate on purchases

  • Have the flexibility to pay your balance in full or over time

  • Optional Balance Transfer Offer to new Cardmembers – Enjoy a special 1.99% introductory interest rate on transferred balances in the first 6 months if you choose to transfer your other credit card balances to this American Express card at time of online application. There is no balance transfer fee at time of application.

  • Access to memorable experiences with American Express InvitesTM

  • Shopping coverage and 24/7 Customer Service

  • American Express is not responsible for maintaining or monitoring the accuracy of information on this website. For full details, current product information and Terms and Conditions, click the Apply now link.

  • Conditions apply

Features and Benefits

  • Purchase protection and extended warranty
  • Travel accident insurance

Rate and product information are subject to change at any time and does not constitute financial advice. Please contact supplier for complete details.

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