American Express® National Bank Credit Card®
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| Community Rating | Strongly recommended |
| Purchase APR | 14.24% - 22.24% |
| Balance Transfer APR | 14.24% - 22.24% |
| Credit Score Range | 600 - 850 |
| Annual Fee | $595 |
| Number of Reviews | 5 |
American Express® National Bank Credit Card® Review
- Business credit card with generous reward rate. You will get a rewards rate of up to 5x.
- Signup bonus. Offers a signup bonus of 85000 points after spending $15,000 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%.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple business credit card benefits. Includes generous credit card perks, such as and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
| The Good | The Bad |
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Who is American Express business Platinum card designed for?
This is a credit card issued by American Express National Bank.
This business card is designed for small businesses with fair credit. The minimum credit score to apply is 600.
What are the relevant APRs?
This business credit card has a variable purchase APR that ranges from 14.24% up to 22.24%. The card has a variable balance transfer APR that ranges from 14.24% up to 22.24%.
It also has a variable cash advance APR that ranges from 14.24% up to 22.24%. Note that late payments are subject to an APR of 29.9% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does it have an introductory APR offer?
No, this business card does not come with an introductory APR offer for balance transfers.
This business credit card does not offer an introductory rate on new purchases.| Purchase APR | 14.24% - 22.24% |
| Balance Transfer APR | 14.24% - 22.24% |
| Cash Advance APR | 14.24% - 22.24% |
| Penalty APR | 29.9% |
What fees does it charge?
The following fees apply to this business credit card:
- An annual fee of $595.
- 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 credit card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.
| Fees | Amount |
|---|---|
| Annual Fee | $595 |
| Foreign Transaction Fee | 0% |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does it offer a cash back rewards program?
No, it does not offer a cash back rewards program. This business card offers rewards to small business owners that use the card to make purchases in the following bonus categories:
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:
- No blackout dates when redeeming miles
- 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 strongly 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:
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 USA - Visit Site
- Email Support
Other Services by American Express National Bank
Feature Breakdown
| Foreign Currency Transaction Fee | 0% |
| No Foreign Transaction Fee | |
| No Interest Grace Period for Late Payment | 25 days |
| Annual Fee | $595 |
| Late Fee Amount | Up to $39 |
| Returned Payment Fee | Up to $39 |
American Express® National Bank Credit Card® Community Reviews
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