Amex・No.012
A no-fee card that keeps your Membership Rewards points alive, the hidden core of an Amex setup.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: americanexpress.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for Amex points players who need a cheap anchor to hold their MR balance.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
No, there is no annual fee.
Yes. Amex's rates and fees list a 2.7% fee on each transaction after conversion to US dollars.
No, sole proprietors and freelancers can apply.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.