Pay 1.99% interest for the first 6 months with our Balance Transfer Offer on select American Express Credit Cards.1

Special offer for new American Express® Cardmembers: Transfer balances from your existing higher rate bank and retail credit cards to your new American Express Card and pay 1.99% interest for the first 6 months.1 Avoid paying the high-interest rates on your current credit cards to maximize your savings.

How does a Balance Transfer Work?



To be eligible for this offer, you must request a Balance Transfer at the time of online application for an eligible American Express Credit Card, and select the existing balances you want to transfer from your other Credit Card accounts. You can transfer 50% of your assigned credit limit, up to a maximum of $7,500, whichever is less.



Once you’re approved, you’ll enjoy a special 1.99% introductory interest rate for the first 6 months1 on your transferred balances, provided you meet the eligibility criteria specified in the offer terms and conditions and that you make your minimum monthly payments on time. There is no balance transfer fee for this offer. You will enjoy all the benefits your new American Express Card offers, such as 24/7 Customer Service, Insurance Coverage, Fraud Protection Guarantee and more.


Which cards offer Balance Transfers?


New Cardmembers can take advantage of our 1.99% interest rate Balance Transfer offer for the first 6 months on approved applications when requested at the time of online application for any of these American Express Credit Cards:

For the bigger things in life, choose something small.
  • No annual fee
  • Have the flexibility to pay your balance off in full or over time
  • Access to memorable experiences with American Express Invites®2
Earn up to 2.5% cashback in your first 3 months (up to $150 cashback)3
  • Earn 1.25% cash back on other purchases and when your Welcome Rate ends4
  • No limit to the amount of cash back you can earn
  • No annual fee
Earn 5% cashback in your first 6 months (up to $300)5
  • Earn 2% cash back when your Welcome Rate end6
  • No limit to the amount of cash back you can earn




Before you apply, use the following checklist to see if you meet our standard eligibility criteria


I am aged 18 or over

I have a current ca bank or building society account

I have a permanent ca home address

And if self-employed, I have been working for more than one year

Some Cards may have additional specific eligibility criteria, and you will be asked to provide employment, income and bank account information in order to submit your application.


Once you have found the Card that best suits you, read the important information, then hit the 'Apply now' button on the page to begin the application process. At this point, you can choose optional additional benefits and also decide how you'd like your name to appear on your Credit Card.


Your application takes less than 10 minutes and you can get a response in 60 seconds.

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Our simple Credit and Charge Card Guides are a great place to start.

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