Credit Target	Type	Annual Fee	BT Intro APR	Purchase Intro APR	Regular APR	Rewards
Good Credit, Above Average Credit	Personal	$0 intro annual fee for the first year of Card Membership, then $95*	N/A*	N/A*	N/A*	Travel

Quick Summary:
This is a travel rewards card, issued by American Express. You can expect travel related rewards earned for purchases made. This card is intended for consumers, or "personal use" with a good to perfect credit history. Rates may vary among applicants, however the lowest standard APR is No APR.

Important Rates:
There is not an introductory APR for this card, so the lowest or standard rate may apply immediately or after the grace period for eligible purchases. This card does not have an APR or is not listed. Please read the disclosures regarding payment terms. Annual fee: $0 intro annual fee for the first year of Card Membership, then $95** This normally exists for "first year reduced annual fee" offers, or minimum spending requirements for the annual fee to be waived. You should read the additional details at the issuer's website or terms and conditions from the application for more information.

Rewards:
This is a travel rewards card, where you can expect to earn rewards for leisure or travel.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 645 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any American Express product.

Other Basics:
American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Our Editor's Commentary:
If you're looking for a travel rewards credit card - and pay off charges each month, this card may be of interest if you don't have excellent credit.

The annual fee is a bit large, however depending on your rewards redemption amount, it could pay off.

Overall, if you're trying to get your foot in the door with Amex, want travel rewards, and don't have a great credit history - then this could be a nice fit.

Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 645, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 1 user recommend this card.

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