This is my first choice whenever I pay for things because of the cash back, but I don't dare carry a balance through a billing cycle since the interest rate is so high. I recommend this card only to those who pay off their entire balance monthly. Otherwise you could rack up some serious debt in interest charges.
Ratings by Category
- Balance Transfer Intro APR 0%* for 12 months
- Balance Transfer Regular APR 13.24% - 23.24%* Variable
- Annual Fee $95
- Purchase Intro APR 0%* for 12 months
- Purchase Regular APR 13.24% - 23.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
Amex does not advertise the balance transfer limit up front, nor do they disclose it unless you attmept or inquire about it. They lure you with rewards and 0% on transfer. The rewards are top notch. The transfer is garbage, had I known the max limit was $7,500, I would have requested a lower limit for the rewards and opened a second card such as Discover for the balance transfer benefits. Why would I get a third card with a 20k limit if I can't even use the 50% transfer because they cap it at 7500 and don't tell you until after you make the request. Customer service is all in India, and they could care less about customer satisfaction. Still waiting for a call back from a supervisor, been 3 days now. I don't want to open another card because it increases credit risk, so now I'm stuck with not being able to consolidate as planned. If you have more than 7500 to move around, this card is not the one to do it with. Just use it for rewards only.
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Sample Size: 1,642
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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