Find the lowest credit card rates then apply online using our credit applications.

One from American Express®

Ongoing APR: As low as Prime + 5.99% (Currently 10.99%)
Annual Fee: $35, First Year Free
Reward Program: Savings Plan
Late Fee: $29.00
Issuer: American Express Co.

APPLY!

The American Express One® Card offers an altogether different way to save for your future. Your Card comes linked to a competitive FDIC-insured High-Yield Savings Account. And with the Savings Accelerator Plan, a full 1% of virtually all your eligible purchases will be deposited into this Savings Account at American Express Bank, FSB. It's automatically set up for you when you activate your Card. Plus you'll get $50 to jump-start your savings after your first purchase.*
* See Card Terms and Conditions

Get $50 to jump-start your savings after your first purchase.¹
Earn a competitive Annual Percentage Yield (APY), currently 3.50% (variable rate as of 3/4/2008).²
A full 1% of your eligible purchases will be deposited into a High-Yield, FDIC-insured Savings Account opened in your name.³
No annual fee the first year - that's a $35 savings.⁴
No Preset Spending Limit.⁵

Fundamentals of the Card

Every dollar spent can be money saved and interest earned.
The American Express One® Card offers an altogether different way to save for your future. Your Card comes linked to a competitive FDIC-insured High-Yield Savings Account. And with the Savings Accelerator Plan, a full 1% of all your eligible purchases will be deposited into this Savings Account at American Express Bank, FSB. It's automatically set up for you when you activate your Card. Plus you'll get $50 to jump-start your savings after your first purchase.*

Carry a balance without paying interest on new purchases
Unlike most cards, the American Express One® Card offers a feature called Interest Protection. With it, you can pay your bill in full at the end of the month or pay over time — but you never pay interest on new purchases. So — by choosing to pay with the American Express One® Card — not only are you free to carry a balance for last month's vacation, you can also avoid paying interest on this week's groceries.

No pre-set spending limit
One from American Express has no pre-set spending limit which gives you purchasing power that adjusts with your use of the Card. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit record, and financial resources known to us.

Manage Your Card Account Online
You can view up-to-date billing information online, including transactions, charges, payments and aspects of your Card account — anytime, anywhere.

Get free Additional Cards
To help your savings grow faster, you can request complimentary Additional Cards for others who are important to you. Every eligible purchase made with those Additional Cards can add to your High-Yield Savings.*

Traveling with the Card

Car Rental Loss and Damage Insurance
Relax and enjoy the ride when you use your eligible Card to reserve and pay for an auto rental! The Car Rental Loss and Damage Insurance Plan provides coverage for theft of or damage to most rental vehicles. Simply decline the collision damage waiver (CDW) or similar option offered by the Commercial Car Rental Company. This coverage is excess to your other sources of insurance. Coverage applies for the first 30 days of an auto rental if rented from a Car Rental Company. Just call 1-800-338-1670 for more information and eligibility requirements.*

Emergency Card Replacement
Enjoy the security and convenience of access to Emergency Card Replacement services by calling 1-800-964-8542.

Global Assist® Hotline
Whenever you travel more than 100 miles from home, you have security and peace of mind 24/7 with medical, legal, financial or other emergency assistance, including medical and legal referrals, visa/passport help, cash access, lost luggage and more.*

Travel Accident Insurance
Travel Accident Insurance* provides up to $100,000 in accidental death and dismemberment insurance while traveling on a Common Carrier Conveyance (plane, train, ship, helicopter, or bus) when the entire fare has been charged to the Card.*

¹ Your bonus contribution will be deposited into the High-Yield Savings Account approximately 5-8 weeks after the first purchase transaction. You will forfeit the bonus contribution if your Card account is cancelled for any reason prior to deposit of the contribution.

² The APY is a variable rate and is effective as of 12/4/2007. Fees may affect earnings on the account.

² Your bonus contribution will be deposited into the High-Yield Savings Account approximately 5-8 weeks after the first purchase transaction.

³ Cash and cash equivalent transactions (including American Express®Travelers Cheques and American Express Gift Cheques), finance charges, fees, returned goods or services, and account adjustments are not eligible.

⁴ The annual fees for the American Express One® Card will be waived for the first year. Thereafter, the annual fee will be $35 for the Basic Card.

⁵ The American Express One Card has no pre-set spending limit which gives you purchasing power that adjusts with your use of the Card. No pre-set spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit history, and financial resources known to us.
I The APY is a variable rate and is effective as of 12/4/2007. Fees may affect earnings on the account.
II Cash and cash equivalent transactions (including American Express®Travelers Cheques and American Express Gift Cheques), finance charges, fees, returned goods or services, and account adjustments are not eligible.
III Your bonus contribution will be deposited into the High-Yield Savings Account approximately 5-8 weeks after the first purchase transaction. You will forfeit the bonus contribution if your Card account is cancelled for any reason prior to deposit of the contribution.
IV The annual fees for the American Express One® Card will be waived for the first year. Thereafter, the annual fee will be $35 for the Basic Card.
V The Additional Cardmember must be 15 or older, and must never have had a defaulted account with American Express.
VI The American Express One Card has no preset spending limit which gives you purchasing power that adjusts with your use of the Card. No preset spending limit does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit history, and financial resources known to us.
VII Coverage is up to a maximum of $1,000 annually per Card account and is subject to additional terms, conditions, and exclusions. Designated item must be purchased entirely with an eligible One from American Express Card within 90 days from the date of purchase, up to $300 per item, excludes shipping and handling.
VIII Buyer's Assurance Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0953 and is subject to change with notice. This document does not supplement or replace the Policy.
IX Purchase Protection Plan is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0951 and is subject to change with notice. This document does not supplement or replace the Policy.
X A Qualifying Vacation is a purchase of $3,000 or more per booking offered by a cruise or vacation package operator and purchased through a participating American Express Travel Services location in the U.S. Benefit does not include independent air, hotel, or car rental reservations. American Express Card members eligible to receive a $100 statement credit for qualifying vacations of $3,000 or more. Benefit only available to Card members in good standing and one time per Card account per calendar year (regardless of the number of qualifying vacations booked or the number of supplementary Cards on the account). Annual Travel Benefit is considered redeemed in the calendar year in which final payment is made on the qualifying vacation. Card members having multiple accounts may only redeem one Annual Travel Benefit per vacation booking. Both deposit and final payment must be made on an American Express® Card. Credit will be posted to Card member's account 10 - 14 business days after date of final payment. Card member agrees account may be debited $100 if vacation is canceled for any reason and the purchase price (less any applicable cancellation fees or penalties) is credited to the account. All amounts in terms and conditions are U.S. Dollars. American Express reserves the right to withdraw or alter this benefit at any time without advance notice. Not valid for group bookings and may not be combinable with other promotions or savings. American Express Travel Related Services Company, Inc., acts solely as sales agent for travel suppliers and is not liable for their actions or inactions. CST# 1022318-10; ML# 1192; Washington UBI # 600-469-694; TA - 002 Registered Iowa Travel Agency; NV#2001-0126.
XI American Express Card Baggage Insurance Plan is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0400 and is subject to change with notice. This document does not supplement or replace the Policy.
XII Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company, Administrative Office, Green Bay, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0925 and is subject to change with notice. This document does not supplement or replace the Policy.
XIII Travel Accident Insurance is underwritten by AMEX Assurance Company, Administrative Office, De Pere, WI. Coverage is determined by the terms, conditions, and exclusions of Policy AX0948 and is subject to change with notice. This document does not supplement or replace the Policy.
XIV Not all services available at all locations and all are subject to local laws and cash availability.
XV While the many Global Assist Hotline coordination and assistance services are free benefits from American Express, Cardmembers are responsible for the costs charged by third-party service providers.
XVI Charges processed and posted to your account after December 31, 2007 will appear on next year's summary.

*See web site for complete terms & conditions

APPLY!

BACK TO LOW APR CARDS

More Credit Card Resources Online

One of the most complete guides to help you finding the best balance transfer credit cards online.

Poor Credit Credit Cards lists various credit cards for people with poor credit or no credit. They can help you building up or re-building your credit history.

Credit Card Balance Transfer.com has an extensive list of low APR, 0% balance transfer credit cards. Apply online for MasterCard, Discover or Visa credit cards.

Credit Cards with No Annual Fee - Platinum Business Credit Card from American Express®

Secured Credit Cards - New Millennium Bank Platinum Visa® or MasterCard®