CFPB TCCP survey · December 31, 2025
American Express National Bank credit card rates & fees
American Express National Bank reported 20 credit card plans to the CFPB. Their median purchase APR is 27.24%, higher than the 23.49% median across all surveyed cards. The lowest starting APR is on the Blue Cash Everyday® Card (18.24%). 4 of 20 plans have no annual fee.
Bank American Express National Bank financial health scorecard 69 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Blue Cash Everyday® CardCashback rewards | 18.24% – 29.24% | 27.0% / 29.0% / – | 29.24% | $0 | $29 | 2.7% | 25 d |
| Blue Cash Preferred® CardCashback rewards | 18.24% – 29.24% | 26.7% / 29.0% / – | 29.24% | $95 | $29 | 2.7% | 25 d |
| American Express® Gold CardOther rewards | 19.49% – 29.24% | 27.2% / 29.0% / – | 29.24% | $325 | $29 | 0.0% | 25 d |
| American Express® Green CardOther rewards | 19.49% – 29.24% | 26.7% / 29.0% / – | 29.24% | $150 | $29 | 0.0% | 25 d |
| Centurion® Card from American ExpressOther rewards | 19.49% – 20.24% | – / – / – | 29.24% | $5,000 | $29 | 0.0% | 25 d |
| Delta SkyMiles® Blue American Express CardTravel-related rewards | 19.49% – 29.24% | 27.2% / 29.0% / – | 29.24% | $0 | $29 | 0.0% | 25 d |
| Delta SkyMiles® Gold American Express CardTravel-related rewards | 19.49% – 29.24% | 26.7% / 29.0% / – | 29.24% | $150 | $29 | 0.0% | 25 d |
| Delta SkyMiles® Platinum American Express CardTravel-related rewards | 19.49% – 29.24% | 26.5% / 29.0% / – | 29.24% | $350 | $29 | 0.0% | 25 d |
| Delta SkyMiles® Reserve American Express CardTravel-related rewards | 19.49% – 29.24% | 25.2% / 29.0% / – | 29.24% | $650 | $29 | 0.0% | 25 d |
| Hilton Honors American Express Aspire CardTravel-related rewards | 19.49% – 29.24% | 27.0% / 29.0% / – | 29.24% | $550 | $29 | 0.0% | 25 d |
| Hilton Honors American Express CardTravel-related rewards | 19.49% – 29.24% | 27.2% / 29.0% / – | 29.24% | $0 | $29 | 0.0% | 25 d |
| Hilton Honors American Express Surpass® CardTravel-related rewards | 19.49% – 29.24% | 26.7% / 29.2% / – | 29.24% | $150 | $29 | 0.0% | 25 d |
| Marriott Bonvoy Bevy™ American Express® CardTravel-related rewards | 19.49% – 29.24% | 27.2% / 29.2% / – | 29.49% | $250 | $29 | 0.0% | 25 d |
| Marriott Bonvoy Brilliant® American Express® CardTravel-related rewards | 19.49% – 29.24% | 27.2% / 29.2% / – | 29.49% | $650 | $29 | 0.0% | 25 d |
| Morgan Stanley Blue Cash Preferred® American Express CardCashback rewards | 19.49% – 29.24% | 25.0% / 29.0% / – | 29.24% | $95 | $29 | 2.7% | 25 d |
| The Charles Schwab Investor Credit Card® from American ExpressCashback rewards | 19.49% – 29.24% | 23.0% / 28.7% / – | 29.24% | $0 | $29 | 2.7% | 25 d |
| The Platinum Card®Other rewards | 19.49% – 29.24% | 25.2% / 29.0% / – | 29.24% | $895 | $29 | 0.0% | 25 d |
| The Platinum Card® from American Express exclusively for Morgan StanleyOther rewards | 19.49% – 29.24% | 24.7% / 29.0% / – | 29.24% | $895 | $29 | 0.0% | 25 d |
| The Platinum Card® from American Express for Charles SchwabOther rewards | 19.49% – 29.24% | 24.7% / 29.0% / – | 29.24% | $895 | $29 | 0.0% | 25 d |
| The Platinum Card® from American Express for Goldman SachsOther rewards | 19.49% – 29.24% | 24.5% / 28.7% / – | 29.24% | $895 | $29 | 0.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.