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American Express Essential™ Credit Card

Staff Review

Card details

  • Enjoy a low 8.99% interest rate on purchases
  • Have the flexibility to pay your balance in full or over time
  • Enjoy a 1.99% interest rate on optional balance transfers in the first 6 months if you choose to transfer your non-American Express card balances to this Card. 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
  • American Express is not responsible for main 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
Typical APR Balance Transfer APR Balance Transfer Fee Annual Fee Credit Needed
8.99% N/A* 1.99% in the first 6 months $0 Excellent Credit