One from American Express®

• Save money and earn a competitive APY!
• Annual fee = $35* 1st year FREE!
• Start saving today. Contribute 1% of all eligible purchases into an FDIC-insured High Yield Savings Account in your name.

General Card Information: Issued By:  American Express Rating: Categories:  Instant Credit Cards  Reward Credit Cards  Cash Rebate Cards Credit Type:  Good / Excellent Positives: + 1% Toward Savings! + Relatively Low APR Negatives: - No Introductory Rate - Lower APRs Available - Includes Annual Fee - Limited Acceptance

Designed for people with good to excellent credit, the American Express One Card offers a unique program to save money. Unlike traditional 'cash back' credit cards which issue a yearly check or rebate, the Savings Accelerator Plan contributes 1% of all eligible purchases to a FDIC insured high yield savings account. With a competitive Annual Percentage Yield (APY), earnings will continue to grow long into
the future - making the One Card an excellent general purpose, retirement or college savings tool.

The American Express One Card does not include an introductory APR and has an annual fee which is waived the first year. The ongoing APR is relatively low for a reward card, but One is most beneficial for those who are able to pay the balance each month.

Choose American Express One and $50 will be deposited into your account after your first purchase. Plus, receive numerous benefits associated with American Express cards such as fraud protection, return guarantees and buyer's assurance that mirrors manufacturer's warranties for covered products for an additional year. Also beneficial to cardholders is auto rental insurance, up to $100,000 in travel accident insurance and more.

Features summary:

- Competitive APR (see details above)
- No annual fee the first year
- 1% of eligible purchases are deposited into a FDIC-insured savings account
- $50 sign-up bonus after the first purchase
- Never pay interest on new purchases
- No annual fee for additional cards
- Up to $100,000 in travel accident insurance
- Auto rental insurance
- Extended warranty on purchases
- Fraud protection guarantee
- Return protection
- Buyer's assurance plan
- Purchase protection plan