- 0% Intro APR on purchases for 12 months
- 5.99% fixed APR on balance transfers
- Automatic rewards
- Flexibility to pay over time
- User-friendly credit report and score
- No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees. No fees of any kind
| Intro APR | Intro APR Period | Regular APR | Annual Fee | Balance Transfer | Credit Needed | Overall Rating |
| 0% | 12 Months | 10.99% | None | Yes | Excellent Credit |  |
Clear from American Express® Review
American Express cards were traditionally green. But really, they’ve always been clear. As a responsible issuer, American Express is transparent in giving all the facts and figures to its applicants and cardmembers. Everything’s there, in black and white. This is what makes American Express such a respected, internationally recognized brand.American Express offers Clear from American Express. A cash back credit card in a sheer, slinky skin available to applicants with good credit, designed to make life a little more rewarding.
Clear from American Express matches Amex’s lucent disposition where other Amex cards don’t – physically. Otherwise, it’s just like the other Amex cards: dependable; influential; convenient; practical; global.
Like its see-through and sleek covering, Clear from American Express is also straight-talking in what it offers applicants and what it can do for cardmembers. So when American Express tells you that this card comes with absolutely no fees – they mean it. For as long as you’re a member, you will not be subject to any late fees, over the limit fees, balance transfer fees, or cash advance fees. There’s also no annual fee, and no fee for adding extra cardmembers either. It’s all fee-free.
Additionally, if you apply now online, you will get a decision in 60 second or less. What’s more, American Express has elongated the grace period connected to this card by a couple more days; this extra padding is Amex’s way of patting you on the back for your excellent credit standing and payment history. You should note, though, that if you miss a payment twice in one year, a default APR of 21.99% + Prime Rate will be activated and set to all your balances for one calendar year.
For six or twelve months (depending on Amex’s evaluation of your application), a promotional interest rate of 0.00% will be applied to all purchases made with the card, and if you complete a balance transfer transaction during the application process, Amex will enact a 5.99% APR on your balance transfers for the life of the loan. For the record, the APR for purchases following the promotion is fairly reasonable, considering it’s a rewards card (10.29%).
Any purchase you make, anywhere, any time will earn you a 1% cash back rebate, as long as the purchase is made on your Amex account. There is no cap on the amount of purchases allowed. Uncomplicated and straight-forward, the card’s rewards redemption program will automatically issue you a $25.00 American Express shopping card each time you reach $2,500 in purchases. FYI: Shopping cards have a lifespan of twelve months.
Clear from American Express offers all the perks and advantages inherent in other American Express credit cards, including coverage of up to $100,000.00 in travel accident insurance, emergency card replacement (with a one-day minimum turnaround), roadside assistance, legal and medical referrals, a world-class customer service program available 24/7, a built-in ExpressPay feature that allows you to make purchases without having to swipe your card, lost/stolen/damaged luggage support, car rental insurance, purchase protection (up to 90 days from the date of purchase), visa/passport help, and a no liability agreement on unauthorized transactions, plus identity theft and fraud protection.
With the card’s free and secure online account management services, you can complete transactions quickly and easily, download statements for your records, pay your bill, and organize your expenses, which, depending on your needs/preference, may be sorted by date, merchant, amount charged, or spending category. The card also offers an end-of year credit report with your personal credit score, for free.
Other exceptional benefits at your disposal include: low prices on air and auto rental reservations and cruises when you book through the American Express Online Travel program, the ability to check into a hotel and charge your stay with your Amex card even if it’s been lost or stolen through the Emergency Check-In program, and now you can guarantee your hotel reservation even if you arrive late, or get a comparable room nearby along with transportation to your new location through the card’s Assured Reservations program.
Sounds too good to be true? Well, it isn’t. There is no fine print here. No hidden fees. Just a smart card for a wise consumer. Make Clear from American Express your card. Your card is a reflection of you.
More Credit Card Offers from American Express
- Blue from American Express®
- Blue Cash® from American Express®
- Blue Sky from American Express®
- Gold Delta SkyMiles® Credit Card from American Express
- American Express® Preferred Rewards Gold Card
- American Express® Preferred Rewards Green Card
- The Gold Card from American Express OPEN(SM)
- Blue for Business® from American Express®
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