Last updated: 5/5/2021
Earns: American Express Membership Rewards
About as vanilla a credit card as you can get: no annual fee, no sign-up bonus, no special categories. You can almost certainly do better, unless you just need an account that keep your Membership Rewards points active.
(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})
| You could earn | Worth | Plus Welcome Bonus | Total |
|---|---|---|---|
| {{totalPointsYouCouldEarn | number}} American Express Membership Rewards per year |
${{totalPointsYouCouldEarnValue | number}} | {{welcomeBonus | number}} points worth ${{welcomeBonusValue | number}} |
${{totalValueToUser | number}} |
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Value = 1.7 cents per point
Effective Value = 1.7 %
0.7%
0.7%
0.7%
0.75%
0.8%
1.2%
1.3%
1.3%
1.3%
1.3%
1.4%
1.4%
1.4%
1.5%
1.7%
1.7%
1.95%
Value = 1.7 cents per point
Effective Value = $0
$50
$70
$100
$105
$130
$150
$150
$192
$200
$200
$200
$200
$200
$210
$260
$314.99
$480
$510
$650
$700
$910
$975
$1020
$1080
$1080
$1120
1x
All Spending
That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.
Excellent
In the top 15% of cards.
You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.
| PURCHASES APR | 23.99% |
| BALANCE TRANSFER FEE | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| CASH ADVANCE APR | 25.24% |
| CASH ADVANCE FEE | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| LATE PAYMENTS | Up to $39. |
| FOREIGN TRANSACTION FEE | 2.7% |
