American Express Credit Card

Colin Tarala, Matthew Parker


  • No interest charges
  • $0 intro annual fee for first year, then $174
  • Earn points for things you buy and use points for things you want
  • Transaction fees 2.7% of each transaction after conversion to US dollars


  • Enjoy 0% intro APR on purchases and balance transfers for the first 15 months
  • 12.99%-21.99% variable APR thereafter
  • Terms and limitations apply


  • dept-to-credit ration-- best to use no more than one-third of the total credit line
  • payment history
  • length of credit and diversity of credit
  • high credit score
  • verifiable employment and annual income