Is the American Express Low-Rate Credit Card worth it? We’re here to answer that for you!
With the lowest purchase interest rate among American Express cards – just 10.99% p.a. – and zero annual fee, the Amex Low-Rate card is ideal for managing your spending.
If you want to avoid unexpected charges, you can relax: this card offers simplified management but still includes valuable protections for your purchases and travels.
In short, the main focus is to offer a functional and secure payment tool, but there are other advantages that we’ll reveal so you can decide if you want to apply!
Benefits that make a difference
- Super affordable: The main advantage of this card is its super low cost. With a purchase interest rate well below the market average and no annual fee, you can be sure that your spending will always be under control.
- Up to 4 additional cards at no cost: Want to share the benefits with family? No problem! You can request additional cards for family and trusted people at no extra charge.
- 24/7 global support: No matter if you’re at home or traveling, American Express offers support to help you with any unforeseen events at any time.
- Emergency replacement: Lost your card or had it stolen? No stress. Amex will send you a replacement card within 48 hours, wherever you are in the world.
- Pay in equal installments with 0% interest: With Plan It Instalments, you can split your card balance into fixed monthly installments and pay with 0% annual interest, applying only a fixed monthly fee. This way, your purchases become much more organized and predictable.
- Use your card on major digital wallets like Apple Pay, Samsung Pay and Google Pay, speeding up your purchases and eliminating the use of physical cards in your day-to-day life.
- Up to 55 interest-free days
- Extra services and protections included
Extra protections and security are the priority!
- Purchase Protection: Items purchased with the card are protected against defects or damage.
- Refund Protection: If you have problems with any eligible product paid for with the card, you can count on Amex for a refund if the store refuses to exchange/return it.
- Fraud Protection Guarantee: Unauthorized purchases are covered by the fraud protection guarantee, protecting you from unexpected losses.
Main Fees
- Purchase Interest Rate: 10.99% p.a.
- Annual Fee: $0
- Additional Cards: Free (you are entitled to request up to 4)
- Plan It Instalments: 0% interest with a fixed monthly fee
Are there any downsides to the American Express Low-Rate Credit Card?
While this card offers important courtesy services for those seeking spending control and security, it does not have a points program.
If you’re the type who loves to accumulate rewards based on your spending, it might be worth comparing it to other cards from the brand.
On the other hand, it’s excellent for those who value savings and convenience, especially for daily purchases or international travel.
Finally, note that it also does not have any balance transfer offers.
Conclusion: A smart card for everyday life
If you want a card that simplifies your life and helps keep your finances under control, the American Express Low-Rate Credit Card is an excellent choice.
With zero annual fee, a low interest rate and purchase protections, it’s ideal for those seeking savings without sacrificing security.
Imagine going out for dinner with friends, traveling abroad or making that unexpected purchase, all while knowing you’re protected and without surprises in your budget.
In addition, Amex offers a complete app, allowing you to track your spending in real time and adjust your budget with just a few taps. With it, it’s much easier to stay in control and avoid unnecessary spending.
Ready to apply for the American Express Low-Rate Card?
Don’t waste any more time and apply for your American Express Low-Rate card today! With it, you’ll have more control over your spending, more security and more peace of mind to enjoy life. We’ll now show you what you need to have on hand to apply in a few minutes.