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Whether you are paying with one of the world’s leading credit cards American Express, Mastercard (e.g. SWISS Miles & More credit cards) or Visa (e.g. Coop SUPERCARDplus credit card), or taking advantage of the many associated services, we at Swisscard make it happen, 24 hours a day, 365 days a year and anywhere in the world.

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If you do a lot of shopping at Express, you may be considering getting your next purchase on credit with the Express credit card. But is it worth it? In our review of the Express credit card, we’ll look at all of the pros and cons involved in using your Express credit card to pick up a whole new wardrobe on credit.

Express is a great store for tasteful and relative inexpensive clothing for both men and women. If you’ve shopped their more than a few times, you’ve probably been offered the Express credit card. Express usually has a never-ending rotation of perks that they offer to new applicants of the Express credit card, which is sometimes as much as $100 off your first purchase. The only major drawback to having the Express credit card is that the interest rate is a variable 24.99%, which is a little high, even for retail credit cards. They also encourage spending in perpetuity. It’s hard to find something at Express for just $15, but $15 is a great discount to put towards that $60 shirt, for example. Another drawback to the Express credit card is that, for new cardholder, your first credit limit will be between $250 and $500. That’s not even enough to cover the cost of some of the more expensive items at Express.

Each purchase you make with you Express credit card gets your points for Express Next, the Express loyalty program. Those points can be redeemed for any item from the Express.com website, including gift cards for use in physical stores for those of us who like to try clothes on before we buy them. Each dollar spent with your Express credit card gets you 5 points, so it’s easy to see how quickly cardholders can accumulate a decent amount of points. Another great perk is that new cardholders get a $15 credit after just 2,500 points.

You can pay your credit card bill easily online. With your Express credit card, you will also receive deals and discounts exclusive to cardholders on a frequent basis. Depending on the amount of points you currently have, cardholders also get an Express gift card between $10 to $50 on their birthday. With all of these benefits, the Express credit card definitely has an edge on traditional retail store credit cards.


NerdWallet’s Best American Express Credit Cards of 2017

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American Express offers a card for every lifestyle. While AmEx has a reputation for great customer service and perks across the board, each of its cards offers a suite of benefits and perks tailored to the needs of different types of customers. For example, if you need to carry a balance, AmEx has credit cards in addition to its signature charge cards. If you want to travel in luxury, there’s a card for that. Let the Nerds help you choose the best American Express card for you.

NerdWallet’s best American Express cards

Best card for families: Blue Cash Preferred® Card from American Express

Earn 6% cash back at U.S. supermarkets, up to $6,000 in purchases per year (then 1%). Unlimited 3% cash back at U.S. gas stations and U.S. department stores and 1% cash back on all other purchases. $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. Terms Apply. The ongoing APR is 13.99% - 24.99% Variable APR. Special Offer: $0 intro annual fee for the first year of Card Membership, then $95 annual fee.

Blue Cash Preferred® Card from American Express

  • Leading cash back rewards for groceries at US supermarkets
  • Sign-up bonus
  • Has annual fee - but if you spend more than $31/week the rewards offset the fees after the first year of holding the card
  • American Express isn’t accepted at as many merchants as Visa or MasterCard
  • APR: 13.99% - 24.99% Variable APR
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 26.24%, Variable
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • Special Offer: $0 intro annual fee for the first year of Card Membership, then $95.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) – that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.

Benefits of the Blue Cash Preferred® Card from American Express:

  • You can earn 6% cash back on anything you purchase at U.S. supermarkets, including gift cards to your favorite restaurant, coffee shop, movie theater or whatever else is available — just keep in mind the $6,000 annual limit on spending eligible for the 6% rewards rate. You’ll earn only 1% after that.
  • Its sign-up bonus has a relatively low spending requirement.

Drawbacks of the Blue Cash Preferred® Card from American Express:

  • It has an annual fee. Its sister card, the Blue Cash Everyday® Card from American Express, has a $0 annual fee and offers 3% cash back on U.S. supermarket purchases up to $6,000 spent per year (then 1%) and 2% cash back at gas stations and department stores. However, the Blue Cash Preferred® Card from American Express is a better choice if you spend more than $61 a week at the supermarket.
  • It’s not very useful if your grocery bill is low and you don’t drive a lot.

Large families will appreciate the Blue Cash Preferred® Card from American Express’s high rewards rates at U.S. supermarkets and gas stations. But if you can’t get past the annual fee or you don’t spend a lot in those categories, it might not be worth it.

Best card for frequent spenders: The Amex EveryDay® Credit Card from American Express

Earn 2 Membership Rewards points per dollar spent at U.S. supermarkets, up to $6,000 in purchases per year; Unlimited 1 point per dollar on all other purchases; Make 20 or more purchases with your card in a billing period and get 20% extra points on those purchases; Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months. Terms Apply; 0% on Purchases and Balance Transfers for 12 months, and then the ongoing APR of 13.99% - 23.99% Variable APR; The annual fee is $0.

The Amex EveryDay® Credit Card from American Express

  • High rewards rate
  • No annual fee
  • 0% on Purchases and Balance Transfers for 12 months
  • APR: 13.99% - 23.99% Variable APR
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 26.24%, Variable
  • 0% on Purchases and Balance Transfers for 12 months
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 23.99%.
  • No annual fee.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express® Cards in the last year.
  • Terms Apply.

Benefits of The Amex EveryDay® Credit Card from American Express:

  • The Amex EveryDay® Credit Card from American Express is one of the only cards on the market that gives you a bonus based on how often you use it.
  • You’ll earn Membership Rewards points, which you can redeem for travel, gift cards and shopping. You can also transfer your points to one of the program’s eight airline and hotel partners: Aeroplan, British Airways, Alitalia, Asia Miles, Delta Skymiles, Etihad Airways, Hilton HHonors and Starwood Preferred Guest.

Drawbacks of The Amex EveryDay® Credit Card from American Express:

  • It has a low sign-up bonus when compared with other cards.
  • It charges a 2.7% foreign transaction fee, making it a bad choice for globetrotters.

The Amex EveryDay® Credit Card from American Express doesn’t give the Nerds too much to complain about. The Membership Rewards program offers a lot of flexibility and the card rewards you for using it frequently. However, it’s likely not going to compete with some of the heavy-hitting rewards cards in terms of its sign-up bonus .

Best card for travel rewards: Starwood Preferred Guest® Credit Card from American Express

Earn up to 5 Starpoints per dollar on purchases at participating SPG hotels, 2 Starpoints per dollar at Marriott Rewards properties, and 1 Starpoint per dollar on all other purchases. Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months. Terms Apply. Transfer your points to more than 30 airline partners. The annual fee is $0 for the first year, then $95.

Starwood Preferred Guest® Credit Card from American Express

  • Has annual fee
  • Rewards only valuable if you stay at Starwood properties frequently
  • APR: 16.24% - 20.24% Variable APR
  • Penalty APR: Up to 29.99%, Variable
  • Cash Advance APR: 26.24%, Variable
  • Earn 25,000 bonus Starpoints® after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 2 Starpoints® for each dollar of eligible purchases spent on the Card at participating SPG® & Marriott Rewards® hotels. Earn 1 Starpoint for all other purchases.
  • No Foreign Transaction Fees on International purchases.
  • Redeem Starpoints® at over 1,300 participating hotels and resorts in over 100 countries and for flights on more than 150 airlines with SPG flights, all with no blackout dates.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Benefits of the Starwood Preferred Guest® Credit Card from American Express:

  • Starpoints are worth 2.3 cents each when redeeming for free hotel stays, making it one of the most lucrative rewards programs out there.
  • The Starwood Preferred Guest program offers more flexibility than most co-branded travel cards with its transfer partners.
  • It waives the annual fee the first year, giving you time to rack up rewards before it costs you anything.

Drawbacks of the Starwood Preferred Guest® Credit Card from American Express:

  • Starwood offers a limited selection of hotels compared with other hotel chains. Starwood has more than 1,300 hotel properties worldwide, while Marriott lists more than 3,700 properties and Hilton has more than 4,300.

The Starwood Preferred Guest® Credit Card from American Express is a must-have for any domestic traveler. Its point value puts other rewards programs to shame and it offers big redemption flexibility for travelers who need it.

Best card for your small business: SimplyCash® Plus Business Credit Card from American Express

5% cash back at U.S. office supply stores and on wireless telephone services purchased directly from U.S. service providers; 3% cash back on the category of your choice from a list of select categories and 1% cash back on other purchases; Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership. Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership. Terms apply. Introductory APR of 0% on Purchases for 9 months, and then the ongoing APR of 13.24% - 20.24% Variable APR; The annual fee is $0.

SimplyCash® Plus Business Credit Card from American Express

  • Bonus cash back categories
  • No annual fee
  • APR: 13.24% - 20.24% Variable APR
  • Penalty APR: Up to 29.99%, Variable
  • Special Offer: Earn up to $400 cash back
  • Earn a $200 statement credit after you spend $5,000 in qualifying purchases on your Card within the first 6 months of Card Membership.
  • Plus, earn an additional $200 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.
  • No Annual Fee. Plus, more buying power and more cash back. Get cash back on business purchases, even those above your credit limit.
  • 5% cash back on wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • 3% on the category of your choice from a list of eight and 1% cash back on other purchases.
  • 5% and 3% apply to the first $50,000 in purchases per calendar year, then 1% applies thereafter. Cash back received is automatically credited to your statement.
  • Terms and limitations apply

Benefits of the SimplyCash® Plus Business Credit Card from American Express:

  • The card offers big-time cash back on regular business expenses, including the flexibility to choose your own 3% category. Categories you can choose from include airfare purchased directly from airlines, hotel rooms purchased directly from hotels, car rentals from select companies, U.S. gas stations, U.S. restaurants, U.S. purchases for advertising in select media and U.S. purchases for shipping. Keep in mind that the 5% and 3% apply to purchases up to $50,000 per rebate year then 1% thereafter.
  • It’s one of the few business credit cards that comes with a respectable sign-up bonus and a $0 annual fee.
  • You’ll have access to American Express OPEN, a valuable community for business owners that offers tools and a forum to help you grow your business.

Drawbacks of the SimplyCash® Plus Business Credit Card from American Express:

  • The card has a cap on its bonus categories, which some businesses may reach fairly quickly.

The SimplyCash® Plus Business Credit Card from American Express offers small-business owners a chance to rack up serious rewards and get help building their business without adding unnecessary expenses. But if your business spends more than $50,000 on its bonus categories every year, there are annual-fee business credit cards that offer better ongoing rewards .

Best premium card: The Platinum Card® from American Express

Earn 5 Membership Rewards points per dollar spent on flights booked directly with airlines or with American Express Travel; 5 points per dollar spent on eligible hotels booked with AmEx; 2 points per dollar spent on other travel booked through AmEx; and 1 point per dollar on everything else; Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months. Terms Apply; Receive up to $200 per calendar year in statement credits for airline incidental fees; up to $200 in credits per year for using Uber; $100 credit toward Global Entry application; Complimentary access to more than 1,000 airport lounges worldwide; $550 annual fee.


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