Purchase APR
19.49–29.24%
Annual fee
None
Foreign fee
2.7%
0% purchases · 6 mo
Top-25 issuer720+Cashback
Carrying $3k for a year ≈ $742.20
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27
Marriott Bonvoy Bevy™ American Express® Card
American Express National Bank
Top-25 issuerNationalVariable · PrimeCredit score 720+
Purchase APR
19.49–29.24%
Annual fee
$250
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
No score
28.99%
≤619
—
620–719
29.24%
720+
27.24%
Lowest offered19.49%
Median28.49%
Highest offered29.24%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered28.74%
Median29.49%
Highest offered29.49%
Every fee on this card
Annual fee$250
Balance transfer feeNone
Cash advance fee5% (min $10)
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment$29
Plan FeeA monthly fee up to 1.33% of each purchase or amount placed in a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Rewards, benefits and features
Rewards
- Travel-related rewards
Services
- Access to Free Credit Scores
- Automobile rental insurance
- Discounts on purchases of goods and services (non travel related)
- Extension on manufacturer’s warranty
- Other
Features
- Contactless Payments
- Chip card
- Fee-free foreign transactions
- Mobile wallet provisioning (for example, Apple Pay)
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone1-888-297-1244
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 28.49%$854.70
Annual / periodic fees$250
Total yearly cost$1,104.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.
Cardholder agreements
25 documents filed by American Express National Bank in the 2026 Q1 archive.
- American Express Cash Magnet Card Cardmember Agreement483 KB
- American Express Gold Card Cardmember Agreement800 KB
- American Express Green Card Cardmember Agreement790 KB
- Amex EveryDay Card Cardmember Agreement500 KB
- Amex EveryDay Preferred Card Cardmember Agreement496 KB
- Blue Cash Everyday Card Cardmember Agreement774 KB
More from this issuer
Purchase APR
19.49–29.24%
Annual fee
$650
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,504.70 incl. $650 fee
Purchase APR
19.49–29.24%
Annual fee
$550
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $1,367.20 incl. $550 fee
Purchase APR
19.49–29.24%
Annual fee
$150
Foreign fee
None
Top-25 issuer720+Travel-related
Carrying $3k for a year ≈ $959.70 incl. $150 fee