The American Express Clear credit card doesn’t have the lowest interest rates or offer the highest credit limits, but it does offer consumers with fair credit the opportunity to raise their scores. Even those that have trouble paying their credit card debts in the past have a chance at qualifying for the American Express Blue. Cardholders are not subject to late payment fees and they do not have to pay any annual maintenance fees.
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New accounts do not pay interest on any charges on the American Express Clear credit card until after the first 12 billing cycles have passed. Instead of enrolling in a rewards program, all cardholders have an American Express gift card for $25 sent to their homes whenever they finance $2,500 in purchases.
American Express Centurion Clear Card Interest Rates
The variable interest rate on the American Express Clear credit card can be as low as 17.24%. Cardholders with lower credit scores can pay as much as 22.24% on charges. Interest only becomes applicable if a balance is carried beyond the first billing cycle. Information on the Credit Card Act can be found at the Consumer Financial Protection Bureau website.
Even if payments on the American Express Clear credit card are not received on time, cardholders will not be charged any additional funds. However, American Express still reserves the right to close the accounts of any consumers that refuse to adhere to their credit card agreements.
American Express Centurion Clear Card Benefits
When cardholders are not able to get their money refunded directly from retailers due to faulty products and services, the American Express Warranty program can provide much needed assistance. Customers are able to receive credits to their accounts when unauthorized persons use their American Express Blue credit cards.
Cash back rewards are issued via American Express gift cards when accounts reach a certain threshold. There is no limit on the number of American Express gift cards that can be earned.
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