American Express® National Bank Credit Card
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| Community Rating |
Rating not yet determined |
| Purchase APR (Variable APR) | 14.24% - 22.24% |
| Balance Transfer APR (Variable APR) | 14.24% - 22.24% |
| Credit Score Range | 650 - 850 |
| Annual Fee | $95 |
American Express® National Bank Credit Card Review
- Signup bonus. Offers a signup bonus of 15000 points after spending $3,000 that can be redeemed for travel, gifts, or other perks.
- Competitive APRs. American Express® National Bank Credit Card has a variable purchase APR that ranges from 14.24% up to 22.24%.
- Annual fee waived the first year. American Express® National Bank Credit Card gives you the chance to have the card for a year without paying the $95 annual fee.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2.7% every time you make a transaction outside the U.S.
- Multiple business credit card benefits. Includes generous credit card perks, such as rental insurance, access to a concierge, emergency support, extended warranty protection on purchases, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 650.
| The Good | The Bad |
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Who is American Express business Green card designed for?
What are the relevant APRs?
American Express business Green card is a charge card and therefore doesn't have interest charges. You must pay your balance in full every month.What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $95.
- A late payment penalty of up to $39.
- A returned payment fee of up to $39.
Does it charge a foreign transaction fee?
This business card charges a foreign transaction fee of 2.7%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $54. If you travel abroad you may want to leave this business card at home and apply for one that doesn't charge a foreign transaction fee.
| Fees | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 2.7% |
| Returned Payment Fee | $39 |
| Late Payment Fee | up to $39 |
Does it offer a cash back rewards program?
This business credit card offers a rewards program to its customers. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
- Airfare
- Every Purchase
- Restaurants
- Retail
Does it have a sign up bonus?
This business credit card doesn't offer a cash signup bonus.
However, it does include a 15000 points signup bonus after you spend $3000 that can be redeemed for travel, gifts, or other perks.
Does it offer an annual loyalty bonus?
This business card doesn't offer a cash loyalty bonus.
Can I get it with just an employer identification number (EIN)?
You can apply for this business credit card with your EIN number, but expect the credit card issuer to also require your Social Security number. This is because, as with most business cards, it requires you to personally guarantee the line of credit.What are the benefits?
This business credit card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Trip Cancellation Insurance
- Fraud Liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What is the support contact email?
The support contact email for this business credit card is info@americanexpress.com.
How do people rate the customer service and user experience?
Overall, this business credit card is mostly recommended based on community reviews that rate customer service and user experience.
Does American Express® National Bank Credit Card report your account activity to credit bureaus?
Yes, American Express® National Bank Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply?
- Visit the American Express National Bank .
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
Message From American Express National Bank
Contact
- Headquarters
-
World Financial Center
200 Vesey Street
New York, NY 10285 - Visit Site
- Email Support
Other Services by American Express National Bank
Feature Breakdown
| No Annual Fee | |
| No Annual Fee First Year | |
| No Interest Grace Period for Late Payment | 25 days |
| Annual Fee | $95 |
| Foreign Currency Transaction Fee | 2.7% |
| Late Fee Amount | Up to $39 |
| Returned Payment Fee | $39 |
American Express® National Bank Credit Card Community Reviews
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