Amex operates its own network, which allows for unique closed-loop benefits and integrations.
American Express
American Express operates a global payments network known for high customer satisfaction, premium charge card roots, and integrated merchant processing.
36 Cards Available
Credit Line Floor
Varies / $0
No network-mandated floor limit
Auto Rental CDW
Secondary
Up to $50,000 collision waiver
Concierge Service
Available
Cardholder booking and referral services
Fraud Protection
Zero Liability
100% Protection against unauthorized charges
Contractual Authority & Governing Rules
This profile specifies the formal contractual baseline mandated by American Express under the
American Express Core Cardmember Agreement Guidelines.
American Express Network Base Key Benefits & Protections Contractual Baseline
Core contractual benefits and mandatory protections guaranteed on cards issued under the American Express Network Base mark.
Credit Line Floor
No Floor$0 / Discretionary
No network-mandated floor limit; credit lines are established at the sole underwriting discretion of the issuing bank.
Auto Rental CDW
Optional Add-onSecondary ($50,000)
Physical damage and theft collision waiver on rental cars for up to 30 days domestic / 30 days international.
Trip Delay Protection
Optional Add-onUp to $300
Reimburses reasonable lodging, meals, and essential toiletries when covered travel is delayed by 12+ hours.
Extended Warranty
Optional Add-on+1 Year Extension
Extends original manufacturer warranties of up to 5 years by 1 additional year, up to $10,000 per item.
Purchase Security
Optional Add-on90 Days Coverage
Covers eligible new purchases against theft or accidental damage for 90 days (up to $1,000/item, $50,000/account).
Cell Phone Protection
Optional Add-on$800 / Claim
Reimburses damage or theft for wireless phones when the monthly service bill is charged to the card ($50 deductible, 2 claims/12mo).
Concierge Service
24/7 Included24/7 Dedicated
Card Specific (Centurion / Platinum). Provides round-the-clock booking assistance for dining, entertainment tickets, and travel arrangements.
Hotel Program
Active AccessLuxury Portfolio
The Hotel Collection (Eligible cards: $100 credit, room upgrade)
Zero Liability Protection
Mandatory Floor100% Protection
Zero cardholder liability on unauthorized, fraudulent transactions made in stores, online, over the phone, or via digital wallets.
All American Express Credit Cards 36 Cards in Catalog
Complete catalog of all cards powered by American Express in our database, ranked by AxeTip score.
| Card Name | Issuer | Annual Fee | Effective Fee | Base Rewards | AxeTip Rank |
|---|---|---|---|---|---|
| American Express | $150 | $-50 | 3% | #3/225 | |
| American Express | $550 | $-259 | 3% | #4/225 | |
| American Express | $195 | $-45 | 3% | #6/225 | |
| American Express | $0 | $0 | 3% | #7/225 | |
| American Express | $250 | $250 | 2% | #12/225 | |
| American Express | $95 | $95 | 2% | #18/225 | |
| American Express | $650 | $350 | 2% | #19/225 | |
| American Express | $325 | $205 | 1% | #20/225 | |
| American Express | $125 | $125 | 2% | #21/225 | |
| American Express | $295 | $295 | 2% | #27/225 | |
| American Express | $95 | $-109 | 1% | #51/225 | |
| American Express | $95 | $11 | 1% | #52/225 | |
| Navy Federal Credit Union | $0 | $0 | 1% | #79/225 | |
| American Express | $895 | $-205 | 1% | #86/225 | |
| American Express | $895 | $295 | 1% | #87/225 | |
| American Express | $150 | $-49 | 1% | #90/225 | |
| American Express | $350 | $-40 | 1% | #94/225 | |
| Citibank | $0 | $0 | 1% | #107/225 | |
| American Express | $0 | $-264 | 1% | #112/225 | |
| American Express | $150 | $-150 | 1% | #115/225 | |
| American Express | $0 | $0 | 1.5% | #118/225 | |
| USAA | $0 | $0 | 1% | #146/225 | |
| American Express | $350 | $110 | 1% | #148/225 | |
| American Express | $375 | $-470 | 1% | #149/225 | |
| American Express | $650 | $210 | 1% | #150/225 | |
| American Express | $650 | $90 | 1% | #151/225 | |
| American Express | $0 | $0 | 1% | #152/225 | |
| American Express | $95 | $95 | 1% | #171/225 | |
| American Express | $150 | $-150 | 1% | #178/225 | |
| American Express | $0 | $0 | 1% | #181/225 | |
| American Express | $0 | $0 | 1% | #187/225 | |
| American Express | $0 | $0 | 1% | #188/225 | |
| American Express | $5,000 | $1,000 | 1% | #202/225 | |
| American Express | $0 | $0 | 0% | #204/225 | |
| American Express | $49 | $49 | 0% | #223/225 | |
| American Express | $49 | $49 | 0% | #224/225 |
