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Overview of the American Express® Essential™ Credit Card

Detailed card summary

Benefits & features

  • Enjoy an annual interest rate of 12.99% on purchases and funds advances
  • With an annual interest rate of 12.99%, you can save on interest payments if you choose to carry a balance and make your minimum monthly payments on time
  • Access virtual events and special offers curated for Cardmembers with American Express® Experiences
  • 24/7 Customer Services
  • 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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