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Rates and Fees

No Annual Fee!

Bonus Miles
Recommended Credit
Good to Excellent
Current Offer

This card offers a promotional introductory APR.

✅ Check if you're pre-approved or eligible for elevated offers using the CardMatch Tool

This card offers a promotional introductory APR.

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Summary

Earning Rewards

  • 2% cash back on up to $1,000 in combined purchases each quarter at gas stations and restaurants
  • 1% cash back on all other purchases

Additional Benefits

Foreign Transaction Fee

Rates and Fees
  • $0

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Also consider

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CURRENT OFFER

This card offers a promotional introductory APR.

REWARDS RATE
ANNUAL FEE
Our Score
Annual fee (20%)
Welcome Offer (20%)
Point Redemption Value (20%)
Rewards Rates (15%)
Benefits (15%)
Travel Protections (10%)
Our Mission
Rating Methodology

Our Take

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Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more.

Pros & Cons

Pros

  • Cashback rewards
  • Free FICO updates
  • No annual fee

Cons

  • Limited redemption options
  • Spending category restrictions

Rewards Summary

  • 2% cash back on up to $1,000 in combined purchases each quarter at gas stations and restaurants
  • 1% cash back on all other purchases

Additional Benefits

Customer Reviews & Redemptions

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The reviews above are not provided or commissioned by the bank advertiser. Customer reviews have not been reviewed, approved, or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 

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Authors

Updated:  
July 14, 2025

Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Daily Drop credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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