Bank · FDIC insured
American Express Credit Card Rates
American Express credit card rates start at 19.74% APR. Rates checked October 22, 2026.
How American Express’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This bank’s lowest
American Express
– –
- Up to
- —
No ongoing APR published
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Blue Cash Preferred® Card
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 0.00% | $95 | 0% intro APR for up to 18 months on purchases from the date of account opening. Intro APR duration may be as short as 6 months. $0 intro annual fee for the first year, then $95. |
| Ongoing | 19.74%–28.74% | $95 | Variable ongoing APR on purchases after intro period. $0 intro annual fee for the first year, then $95. |
Sources (1)
- americanexpress.com/us/credit-cards · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.