One from American Express (SM)

Get $50 to jump – start your savings after your first purchase Earn a competitive Annual Percentage Yield (APY) The Savings AcceleratorSM Plan contributes 1% of eligible purchases into an FDIC-insured High-Yield Savings account in your name No Preset Spending Limit No annual fee for the first year – that's a $35 savings CLICK HERE TO APPLY ONLINE *See Terms & Conditions

Intro APR Intro Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* As low as Prime + 5.99%* 1st year free; then $35* Yes* Good Credit*

Review: One from American Express®

Type of credit needed: Good Credit

Type of card: Cash Rewards

Issued by: American Express™

Overview: One from American Express is a card that allows individuals to earn rebates on a variety of purchases and accumulate savings at the same time through the Savings Accelerator Plan. Each time the card is used for purchases, the cardholder earns a rebate. Instead of being given a gift card after a certain amount of money is saved, however, the rebate is deposited into an insured, high-interest savings account. A bonus deposit is made after the cardholder makes their first eligible purchase with the card. In addition to allowing the cardholder to easily build their savings account, One from American Express also offers many of the same perks enjoyed by other American Express cardholders, including online account service, purchase protection, and financial protection against unauthorized Internet transactions. There is an annual fee for the card, but it does not apply during the first year.

Pro and cons of the card:

Pros:

• Earn rebates on all qualifying purchases
• Rebates are deposited automatically into a savings account
• Savings account is insured and offers a high interest rate
• A bonus rebate is earned on the first eligible purchase
• American Express cardholder benefits like purchase protection
• Online account access
• No annual fees during the first year
• No pre-set spending limit

Cons:

• There is an annual fee for carrying this card
• APR varies depending on credit history
• Spending limit can fluctuate
• The rebate program only applies to purchases

Excellent Credit 750-850 Good Credit 660-749 Fair Credit 620-659 Bad/Poor Credit 350-619 No Credit 0-0 Do You Know Your Credit Score? Find Out Now!

A credit score is a number generally between 300-850, based on a statistical analysis of a person's credit files. This score represents the credit worthiness of a person. A credit score is assigned to each individual, to rate how risky a borrower he or she is--the higher the score, the less risk the individual poses to creditors. In most cases, your credit score will determine whether you will be approved for a credit card.

1. Credit Scores range from 300-850, the higher the better 2. Most lenders base approval on your credit score. 3. Higher Scores mean lower payments and better deals. 4. Higher Scores mean Lower interest rates. 5. Scores are determined by 5 main categories: Payment History Amounts Owed Length of Credit History Type of Credit Used New Credit

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* See the online Americanexpress.com/acceptone (www.americanexpress.com/acceptone) credit card application for details about terms and conditions and offers.