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Overview of the American Express® Essential™ Credit Card

Compare against our best Low interest cards

Detailed card summary

Benefits & features

  • Enjoy a low 12.99% interest rate on purchases
  • Balance Transfer option is only available at time of online application. 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
  • Have the flexibility to pay your balance in full or over time
  • Foreign Transaction Fee: 2.5%
  • 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.

How to get approved

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