American Express National Bank credit card terms
Credit-card bank · 20 products surveyed · CFPB TCCP survey, Jul-Dec 2025
American Express National Bank reported a surveyed purchase APR of 18.24% – 29.24% (median 27.12%) to the CFPB Terms of Credit Card Plans survey, across 20 products. It is one of the 25 largest U.S. card issuers. Annual fees on surveyed cards: $95 – $5,000. These are surveyed terms, not an offer — your APR depends on your credit.
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
American Express National Bank surveyed terms at a glance
| Term | Reported value |
|---|---|
| Purchase APR (surveyed range) | 18.24% – 29.24% |
| Median purchase APR | 27.12% |
| Rate type | variable |
| Intro / promo APR offered | Yes |
| Balance-transfer APR (max) | — |
| Cash-advance APR (max) | 29.49% |
| Annual fee | $95 – $5,000 |
| Late fee (median) | $29 |
| Secured card offered | Not reported |
| Products surveyed | 20 |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
A dash (—) means American Express National Bank did not report that field in the survey.
American Express National Bank purchase APR by credit tier
Median purchase APR American Express National Bank reported for each applicant credit tier. Cards typically quote a range and place you within it based on your credit:
| Your credit tier | Median purchase APR |
|---|---|
| Poor credit (619 or less) | — |
| Good credit (620-719) | 28.99% |
| Great credit (720+) | 26.74% |
Source: CFPB Terms of Credit Card Plans (TCCP) Survey. Data as of CFPB TCCP survey, Jul-Dec 2025.
How American Express National Bank compares
For good credit (620-719), the CFPB median purchase APR was 28.2% at large issuers and 18.15% at small banks and credit unions. American Express National Bank's median of 27.12% sits above the 21% national average APR.
Similar issuers (credit-card bank)
| Issuer | Surveyed purchase APR | Median APR | Annual fee |
|---|---|---|---|
| American Express National Bank (this issuer) | 18.24% – 29.24% | 27.12% | $95 – $5,000 |
| Barclays Bank Delaware | 17.49% – 34.99% | 25.24% | $59 – $1,199 |
| Merrick Bank | 21.95% – 34.7% | 29.49% | $36 – $48 |
| Credit One Bank | 28.74% – 30.49% | 29.99% | $39 – $95 |
| Goldman Sachs Bank USA | 17.49% – 28.49% | 23.24% | — |
| Webbank | 29.99% – 35.99% | 32.99% | $39 |
| Stride Bank | 9.24% – 35.74% | 20.49% | — |
Barclays Bank Delaware · Merrick Bank · Credit One Bank · Goldman Sachs Bank USA · Webbank · Stride Bank
Frequently asked questions
What is American Express National Bank's credit card APR?
American Express National Bank reported a purchase APR of 18.24% – 29.24% to the CFPB Terms of Credit Card Plans survey (median 27.12%), across 20 surveyed products. Rates are variable. This is a surveyed range, not an offer; your actual APR depends on your credit.
Does American Express National Bank charge an annual fee?
American Express National Bank's surveyed cards carry an annual fee of $95 – $5,000. Many cards from this issuer have a $0 annual fee; premium cards charge more. Verify the specific card.
Is American Express National Bank a good choice for a low APR?
American Express National Bank is one of the 25 largest issuers. The CFPB found large issuers charge roughly 8 to 10 percentage points (large vs small issuers, across credit tiers) more than small banks and credit unions. If a low APR is the priority, compare a local credit union.
Keep exploring
Sources & accuracy
Terms reported by American Express National Bank (American Express National Bank) to the CFPB Terms of Credit Card Plans (TCCP) Survey (U.S. public domain, CFPB TCCP survey, Jul-Dec 2025). Surveyed terms are not an offer; your actual APR, fees and approval depend on your creditworthiness. Verify current terms with the issuer. See our methodology and disclaimer.
Last updated: 2026-06-29