Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.
Perqt Analysis
Three ways to value this card. Only one of them is yours.
American Express One AP Statement Credit (Spend Tier)
$2400
/Annual
Unlocks after $250,000 calendar-year spend on the card. Provides up to $2,400 in statement credits in the following calendar year for eligible American Express One AP monthly fees; One AP approval is required, fees must be billed to the qualified card, and the platform fee auto-renews unless canceled or deactivated.
Return Protection
$0
/Annual
American Express may accept eligible U.S. purchases within 90 days when the seller will not take them back. Purchases must have been paid entirely with the eligible card.
No Foreign Transaction Fees
$0
/Annual
The card does not charge foreign transaction fees on international purchases.
Pay Over Time
$0
/Annual
Eligible charges can be carried with interest up to the assigned Pay Over Time Limit. Charges or portions not added to the Pay Over Time balance must be paid in full.
Virtual Card Controls
$0
/Annual
Virtual Cards provide payment-level controls, including spending limits and expiration dates, and can be changed or deactivated at any time.
Global Assist Hotline
$0
/Annual
When traveling more than 100 miles from home, cardmembers can access 24/7 emergency coordination and assistance, including medical and legal referrals, emergency cash wires and missing-luggage assistance. The cardmember pays third-party service costs.
American Express One AP Invoice Management
$0
/Annual
One AP is an accounts-payable solution for supplier invoices with Virtual Card, check and ACH payment options. Enrollment is required and fees may apply; suppliers must be enrolled and located in the U.S.
Purchase Protection
$0
/Annual
Eligible covered purchases are protected against theft or accidental damage for up to 90 days from the purchase date, subject to limits and terms.
Car Rental Loss & Damage Insurance
$0
/Annual
Secondary coverage may cover damage to or theft of an eligible rental vehicle when the entire rental is paid with the card and the rental company's collision damage waiver is declined. Liability is excluded, and coverage is unavailable for rentals in Australia, Italy and New Zealand.
Employee Cards and Spending Controls
$0
/Annual
Add up to 99 employee cards, set employee spending limits, earn cash back on their purchases, and receive real-time spending alerts. Plastic Employee Business Expense Cards are available with no annual fee; metal employee cards carry fees.
No Preset Spending Limit
$0
/Annual
The card has no preset spending limit; available spending capacity adapts based on purchase, payment and credit history rather than using a traditional fixed limit.
Extended Warranty
$0
/Annual
Adds up to one extra year to an original manufacturer's warranty of five years or less on covered U.S. purchases or purchases in U.S. territories or possessions.
