Are there American Express credit cards which do not require you to pay the balance in full? Which are they? Thanks.

AMEX Blue - http://www.ncsreporting.com/LinkTrack/Redirect.asp?LinkID=BAE10724
AMEX Blue Cash - http://www.ncsreporting.com/LinkTrack/Redirect.asp?LinkID=AEB10724

I don't know if there are any others, but I know these two let you pay over time.

Brad beat me to it.

Those are credit cards vs the traditional Amex charge cards which require balance in full every month.

here is a link to the common American Express Cards

the credit cards (that allow you to carry a balance) are every category except Rewards, Rewards and Access, and Premium Benefits. those exceptions are charge cards and are pay in full

http://www66.americanexpress.com/cards/apply/jsp/fmac/i_know_which.jsp?csi=0/20/b/2/1134314824/113215344715/20/n&from=0

dionx - Your link doesn't work but thanks for your helpful post.

dionx - Your link doesn't work but thanks for your helpful post.

That's mean, haha.

dionx - Your link doesn't work but thanks for your helpful post.

odd, it works for me in both IE and firefox

I have had the AMEX Blue for about 2 months now. With it, I get 9.9% fixed APR, pay over time, no annual fees, free membership rewards program. I like it.

I signed up for the Blue card, just to get some free movie tickets. But I'm never gonna use the card.

I have Amex through Costco and I get a pretty decent percentage cash back.
I usually earn enough cash back with the Costco card to pay for the membership fee, so the AMEX cash back is a nice bonus. Please just type in Costco American Express in a search engine. I can't post URL's yet on here.

I have Amex through Costco and I get a pretty decent percentage cash back.
I usually earn enough cash back with the Costco card to pay for the membership fee, so the AMEX cash back is a nice bonus. Please just type in Costco American Express in a search engine. I can't post URL's yet on here.
:2welcome: to the GottaDeal forums :gd_pineap

Do you have the CostCo Cash Rebate (platinum colored) or new TrueEarnings card (bluish green colored)?

https://www124.americanexpress.com/cards/costco/images/subhdrs/solid/cardart_costcocash.jpg

https://www124.americanexpress.com/cards/costco/images/subhdrs/solid/cardart_trueearnings.jpg

http://www.americanexpress.com/costco

I'm considering changing my Cash Rebate card to the new TrueEarnings card.

:2welcome: to the GottaDeal forums :gd_pineap

Do you have the CostCo Cash Rebate (platinum colored) or new TrueEarnings card (bluish green colored)?

https://www124.americanexpress.com/cards/costco/images/subhdrs/solid/cardart_costcocash.jpg

https://www124.americanexpress.com/cards/costco/images/subhdrs/solid/cardart_trueearnings.jpg

http://www.americanexpress.com/costco

I'm considering changing my Cash Rebate card to the new TrueEarnings card.

Thanks for the welcome. I had to check in my wallet to see which one it was. It's the blue-green one. They even have the rebate amount you have earned printed on each statement. I used to have to go online or call to check with Discover.

What's so great about American Express CCs?

I also have the Am EX platinum card with Costco. I get a great annual rebate to use at Costco, and the card is free. The card allows you to earn a rebate on purchases made at all retailers. The rebate check, however, is to be used at Costco. That's no problem for me since Costco is my favorite store.

I have an American Express blue card and they give you points for purchases which I love! Of course I save mine for TRU! There is no annual fee.

We love American Express! We have a no limit American Express and a Blue. We pay the no limit off each month. We just transfered all of our small cards onto the Blue @<hidden> 5.9%. It might not be 0% that some offer, but I have had the best customer service with American Express. We will likely pay the Blue off by February, so the % is minimal.

We love the American Express Membership Rewards program! The no limit card is used for all bills that can be paid monthly with a credit card (cell phones, utilities, etc.). We also use it for business travel that we get reimbursed for. There is a fee to be in the Membership Rewards program. My job pays for half of the fee each year.

Good luck!!

Ok, maybe I am a moron but, why would you get a credit card you have to pay in full each month????

Because you get to use their money for 30 days free. Plus, everything is neatly categorized for you and printed out so that you have a spending record. For free :-).

Because you get to use their money for 30 days free. Plus, everything is neatly categorized for you and printed out so that you have a spending record. For free :-).

*snorts out loud* :)

Ok, maybe I am a moron but, why would you get a credit card you have to pay in full each month????

Why wouldn't I?

I use credit cards for five reasons:

1) liability protection
2) perks such as cash back
3) consolidating my spending to a single account
4) maximizing the interest I earn from savings and taking advantage of grace periods (can give me an additional $2 or $3 on a typical month's spending).
5) so I don't have to carry cash

I never, EVER carry a balance! There is no compelling reason to allow myself to incur any interest charge except on major purchases like a house or a car.

So, basically, I don't care if I have to pay a cc in full each month since I would never do otherwise. If your main reason for a credit card is to defer the true cost of your spending for significant amounts of time (beyond a 1-month lag), it seems to me that your spending habits need some honest and frank analysis.

Ok, maybe I am a moron but, why would you get a credit card you have to pay in full each month????

it's so easy to get into the danger zone when balances keep getting carried over...

Ok, maybe I am a moron but, why would you get a credit card you have to pay in full each month????

I pay mine in full every month even though I don't have to... I use credit cards so I don't have to carry cash and because they give me cash back.

To the OP:

Check out Citi Dividend Amex: http://www.citibank.com/us/cards/cardserv/amex/divplat-amex.jsp

There are some cards that will get you better cash back in some cases, but overall Citi Dividend cards are the best around when it comes to rewards.