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Clear from American Express®

• No fees of any kind. No annual fee, no late fees, no over-limit fees, no balance transfer fees, no cash advance fees.
• Automatic Rewards. You’ll get an American Express branded shopping card worth $25 delivered straight to your door every time you spend $2,500.
• Flexible Payment Terms. You can pay in full, or carry a balance. The choice is yours.
• Flexibility to pay over time
• No annual fee and 0% intro APR for up to 12 months.
• World class Cardmember benefits including Purchase Protection Plan, Buyers Assurance Plan, and Return Protection.

The American Express Clear card is, literally, “clear” in color and design for a reason: they want you to know there is nothing hidden in their card or in its terms.  American Express has a reputation for excellence in their endeavors and the Clear credit card from American Express is no exception.

The Clear card from American Express offers some amazing benefits and it backs up what it offers.  Let’s take a look at some of the enormously positive features that come with this card.

To begin with, there are no fees associated with use of the American Express Clear credit card.  In this day and age, that’s fantastic!  That’s no fees, as in zero fees, period.  Look at this:  no annual fee, no balance transfer fees, no over-the-limit fee, no late fees, and . . . no cash advance fees!  That’s practically unheard of!  Does that sound like a dream to you?  How can they do it?  Because they are American Express and they want your business.

Other fees: There are none.  Fee for a statement copy – none; Fee for a dishonored check – none; Fee for a wire transfer – none; Fee for a stop payment order – none.  However, you must maintain your account in good standing to keep all these wonderful benefits in effect.

The American Express Clear card seems to take everything into consideration to help you get the most from your use of the card and from your daily life.  The Clear card will even send payment due reminders to you, if you ask them, because they know how chaotic life can be sometimes.

Clear from American Express offers you 0% APR for the first 12 months (depending on your financial qualifications, the 0% APR could extend only for the first 6 months).  After that introductory period, your APR will change to only 14.24% APR (depending on your qualifying application).  This APR (annual percentage rate) is much lower than that of other credit card offers.

Here’s a great option:  4.99% APR fixed on balance transfers.  You can pay off other higher interest rate credit cards with the Clear from American Express card and still be paying only a fraction of the interest and monthly payment that you had before your balance transfer.  And, remember, the Clear from American Express card has NO balance transfer fees.  The Clear card from American Express is doing everything it can to help you maintain control of your financial situation.

The grace period for your payment ranges from 28 to 31 days.

Services Offered

1. Identity Theft Assistance - 24 hours-a-day, no fee service

2. World Class Customer Service - Available 24 hours-a-day to answer questions or help with immediate needs

3. Online Credit Card Management - Available 24 hours-a-day to answer questions or help with immediate needs

4. Summary of Year-End Charges - Organize and print your entire account information or you can request a year-end paper copy be sent to you for your records

Services Available With Use of the Clear Card

1. Fraud Protection Guarantee - This is arguably the best coverage of any card.  You are not responsible for fraudulent charges – no fine print – that’s the ultimate guarantee.

2. Buyer’s Assurance Plan - Warranty protection on eligible purchases.

3. Purchase Protection Plan - Protects eligible purchases against accidental damage or theft for 90 days.

4. Return Protection - Within 90 days of item purchase, American Express will refund purchase price, up to $300, with certain restrictions, if the merchant won’t.

Travel Assistance

1. Travel Accident Insurance - Charge your entire travel fare on your American Express Clear credit card and you will automatically have $100,000 accidental death insurance.

2. Car Rental Insurance - When you pay for your rental car with your Clear card, you will have a protection plan that guards you against damage or theft when you follow the credit card instructions for such a venture.

3. Worldwide Assistance Hotline - If you travel over 100 miles from home, you have 24/7 peace of mind with the American Express Global Assist© Hotline.  Simply call the number that will be provided to you and you can get access to help with almost any question or need you might have.

4. Emergency Card Replacement - You have access to an 800 phone number to assist you in getting a replacement card fast, if need be.

Rewards for Using your Card.  As if the 0% Introductory APR and 4.99% Fixed APR for balance transfers weren’t enough, the Clear from American Express also offers rewards for use of the card.  When you spend $2,500 in qualifying purchases, the American Express Clear card will automatically send you a $25.00 branded shopping card.

Credit Report. The Clear from American Express card gives you a free credit report, including your credit score, once a year.  Normally, you would have to pay for this service.

Really, what more could you ask for?  Clear is an exciting option from American Express.

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%	12 Months	14.24%	None	Yes	Good Credit