4.5 Rating • American Express Bank

American Express Membership Rewards Credit Card

Premium Category Reward Points
Reward Rate
1%
Annual Fee
Not specified
Premium General
Processing: 7-10 days
100% Secure
American Express BANK
American Express
VISA
•••• •••• •••• 1234
VALID THRU
12/28
CARDHOLDER
YOUR NAME

Card Summary

If you are new to the world of credit cards and are looking for one that offers great rewards, the American Express Membership Rewards Credit Card can be the ideal fit for you. It offers a reward rate ranging from 1% to 5%. With just a nominal joining fee of ₹1,000, you can enjoy the welcome benefit of 4,000 Membership Rewards Points, as well as access to vouchers from Taj, Flipkart, Myntra, Amazon, and many more. Although it is an entry-level credit card, you can get a return on every spend that is as good as any other super-premium credit card. Let's see how. 👇

Quick Overview

Bestfor Lifestyle & Rewards
Joiningfee ₹1,000 \+ Applicable Taxes
Annualfee ₹4,500 \+ Applicable Taxes
Welcomebenefits 4,000 Welcome Points
Cardnetwork American Express

Expert Review

Key Features

The American Express Membership Rewards Credit Card is an entry-level credit card designed to give attractive perks to its users. The perks include a waiver of fees on fuel transactions, discounts on dining, easy EMI Conversions, and many other benefits in the form of reward points. But other essent...

Key Highlights

Reward Rate

1%

Annual Fee

Not specified

Rating

4.5/5

Category

Premium

Fuel Benefits

1% Fuel Surcharge Waiver

Available at all fuel stations across India

• Min transaction: ₹400 • Max transaction: ₹5,000 • Max waiver: ₹500 per statement cycle

Zero Lost Card Liability

Complete Protection Against Fraud

In the unfortunate event of losing your card, report it immediately to our 24-hour call centre and you have zero liability on any fraudulent transactions made on your Credit Card.

Advantages

The card gives reward points on various purchases.

The card offers a waiver on Fuel Convenience Fee.

It has monthly milestone benefits.

It comes with zero lost card liability.

Limitations

No access to airport and railway lounges. Reward points are not very attractive.

No concierge services other than card assistance.

Fee and Charges

Joining Fee

Not specified

Annual Fee

Not specified

APR

42%

Charge Type Amount
Cash Withdrawal Fee 3.50%
Card Replacement Fee Nil
Foreign Transaction Fee 3.50%
Over Limit Penalty 2.50%
Fuel Transaction Surcharge 1%
Minimum Repayment Amount 5%

Late Payment Charges

Outstanding Balance Late Fee
Below ₹100 Not specified
₹100 to ₹500 Not specified
₹501 to ₹5,000 Not specified
₹5,001 to ₹10,000 Not specified
₹10,001 to ₹25,000 Not specified
₹25,001 to ₹50,000 Not specified
More than ₹50,000 Not specified

Membership Rewards Structure

Rewards Category Rate Eligibility
Travel Bookings 4X Airlines, hotels booked directly or via Amex Travel
Dining 4X Restaurants worldwide
Supermarkets 3X Grocery stores and supermarkets
All Other Spends 1X General purchases and transactions

Partner Merchants:

Online Merchants
Fuel Stations
Restaurants
Airlines

Who Should Opt for This Card?

Premium Service Seekers

Ideal for those who value premium services and exclusive benefits

How to Apply

1

Visit the American Express website or nearest branch

2

Navigate to the credit cards section

3

Select the desired credit card

4

Click on "Apply Now" and fill the application form

5

Upload required documents (identity, address, income proof)

6

Submit the application and wait for verification

7

Receive your credit card upon approval

Processing Time

7-10 days

Eligibility Criteria

Age: 21-60 years

Residency: Indian resident

Income: ₹50000 per month

Documents Required

Proof of Identity

PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof. *

Proof of Address

Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof. *

Proof of Income

Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement. 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y8D1j3FXN2N9NQE4D7bWHGPUzV53pjrHTrOo42O2Bz/Tu5hxLDXDwM3vPFn/bbO5jSupLw/8Xhph4MLen+vAdyQkk19c/jaezT8rXLierRruTF6IwzjBp4GLO7smbJdXaU76ofi4sV9e4cmUycCVLzJwLpTthpAMXLUY675An+dWGnWzERf36/b+GxxqKFxeYZRlq2jyQBzGGhzDWjMMHADro7teK3umYB7SuWiGgVP3JCRiKfHRXEtaBZ036QNbmeVZiMtv5754DcKngYvLl78ztssrmPBxEDDRMjwxxfvlEZfrjbseMnDlK+9vgAzcDiXNsD+IsgwcTJHhqh/ttJqAjxGgcK3LMwo06L5K79s1y7MQlxfoXPbFoazAMayFDBwA/bSN7Zxp7v6BzTBwRhL2CsRrcJhUwOLLXJxjlGcjLu9l4/L1OJQ1vg0cPP7F2+WWuBIXPwuYvwgm6TT2y6Xv4eLJwFVAZODslRUycNXCdZuAgs4bcJhUBDc/VZ933c5Fx+XdrCWOxKGswDGslWDg4GEPV47mP01QJI7DIWNqb+Ba6sMJSVhK3YDDZGIMTJyzvlh98SEzZOfBt4GL+wQ6vEObC3haBusb4u3z6Xo2If8ShyADVwGRgbMTdDzPChm46jC+7gCjTvbaiMNkor1y/4Qy7eT6WofLt1aCgQPAeLq+7j8mtSVxqpXaG7jQ4Wu6aXH1ThwmM6G80ijXVoF4MQ5jhW8DB8YKnmTibfOKd5O/l/hRfsL2ecTF+3HxMWTgyhcZuJwS2xh0w8gDGbjqAOcMXCdrqaU4TGZC6e46Mi2X8/Xhsq01h4EDwt4nze2d6RFjSq1aG7hQvTkhAXu5wMfyN/B42SW+DRzQvg0GM7h6tblG/0AOwiHiea3MbfPo4Tn7gpCBK19k4PIJ5rIMbs53QSzNwImz9bYPJOyfX3UGLtSRPj/hOllJ/AGHycU4zNmHy7aVw0nsjbJtNcDAwRyorgdUzhQXG2ddo2pr4MChR477msVSbh7fwlw9Ph6nuqQIA9dfiPuXxvb5dGfiOnHu1uab+7snA1e+yMDl0brMAxdmUpqBU/+XuX67Ume8PKxQd+AwuZi3fCcWKVc36Y/KUW6AUbatBhg4IJIXuG+PRwUmnnePeCxWbQ0cvOpyOcpxWnkHLyQRSkdrgs5Q0D0Jh8lNEQYOCMWHjO3zisvrZpXtdD4i9cVZZc+EDFz5IgOXVffF81TZUJaBo2lEdsBhUmPlYZWh1a/DoXLDu5cZ5dtqplGxAZdrrSEGDh5aROI95n6OBCu0QPlALQ0cPEKETn1mcDvBSQMegboiWPVUI4a9NuAwuSnKwJ2+Ymdt4hz2Z1nTf426uPcUfTH4hPl5Tg2CDFz5IgOXUvq3xtXbcTPkoiwDF3YPY66X0qoroZwy6mKrSJ2Gw1iDY9hrBWutORaHyYxZrqWGGLhp4GGDsa9DxSty1NHABWufkxDYXjCXGAwUcCkcw16PWL0SmUlRBg6IhKvXnFq9d8RlBh19HIj15uc5NQgycOWLDFw6cfE1ZzeiZRm4aPWBettfJ+yfX3UkvvmVDxl1sVXU/QvjWmUrHMNW/QmGP4WbJDO4XGulNHDtro/VoWZI8HoauFCdnxB4dMS7y+KnT7YUaeC4/BiDPmZ4v1xSP3u0zJ+Zn+XVo2XOBRm48kUGbpj076t7Mq6+FWUZOAD675n759cCtT8OUXmi3l8Z9RgpqXusb0aMMm2V0sD1p7dyu2rGTMGr1EXihcbf7eTZwLUdL9FUT+kTtTgTN01mijRwCyefrnP+b2O/vGpP7W78zUbzO8/CKc+CDFz5IgOXLC5uYq3OwU5u6jBlGjguP5+wf35xYc6jVWXiAWDit0Y9Rk22/b5xedZKaeCA1tX76eP4c2YZjhSpG42/2cmzgQsVDC/HQUdPkdo055QXaSnSwAEL1xxk7JdXgbjU+FtewQoOy7Y/Dqc7i6YbuCbTNAPH4/6kG/Rxeyx7o8P5spIo08AF6qUJ+9voPhZO/h0OU1kiWPfUqMPoCa51NuDyrJXBwE3Dxf+a5VRSng0cl/cnBB1N5X0iMU3RBg7A++UVzNaN/5ZXkfw5TtOADFx9aY6Be4CF4i4Gy8YF4oW4ml4o08DFnbSN/W20TeuHOExlcTl6v+7KO48hgMuyVg4DF8qvm+VUUh4N3LKpnRICjq4ieQluokyUYuCcLXnlRlzdrnN/K07TgAxcfWmGgXtIH6uvtO4PlJUyDRxg7m8pscXLq2YfGLmPssS7cfOkxijLVjkMHOB6UI4feTJw/akoLk4IONqyoRwD9w5j33L1T6nu7sjA1RfXBo6L7xoj8GaNxnM4Mnqmovjtw4W4el4p38BtTijDUuI8HKZytMRbzLxHXHnB5Vgrp4GDNdKNsionTwauJY9hsNC4GXC0tbSzG26q1JRh4HjnWca+ZSronohTTIQMXH1xbeDAhAwi6p6UsI8rbbb6zWeldAOn3A182qHbvPcdtIXL7yfkPdrKe9zjcqyV08ABXm5InMqTgePix8zH0lT11zq25OpdcXOlogwDB3Dlrv+ajWCeIRjplQYycPWlaAMHwGLs5n5uxIXbNZEHUbaBa62BG3dchgtdjENVhlB9k8F8n2bOoy2ufoKbKhW4HGtZGLiWOFKX4e66614eDNxELR49lqVt+sC+AjdZKsoycJE8izlfmDmHuLgMpzYnZODqSxkGDuhPRuvnZiWS92QyQnkp28BBfzWzDDfi3SW6/L1wyFKB0fCRusfIlbQ9Xn0pENmNt1GOrSwMHNB/lernvGAvDwaOyy8lBCLt0CNs/Lo9cLMNpSwDF/Seobf/jFFGkYKnuXCBTQsZuPpSloEDJnpHe7xZWedlSaSZlG3ggFD+Z0I5rvQAa6ujcMjS4GpBQo6kHco+fZZZhqUsDRwQyjGz3ErIsYGDUVdc3poQiDRTwZq/xk03lLIM3Lzlj9cnqncaZRSrB3FaAyEDV1/KNHDzlu/EQoe/M1Pr4hi+qIKBa6t2QjkudQ0bvyH7DbAP+q9PcX6kmVqw5kW42QaC97eWCwO3CpbAquJTOMcGrh2/M8ZBSFhcKNx0QynLwAELr3q6UUaR4up6nNJAyMDVlzINHACdr312XubyKhzSGVUwcItu2lMbG5i8GJflUpt0Owq2uPdnOHxhwBrX/bnqcG6kmYK1frOA97eWAwMHRPJ0Xd5dZvmlyqGBWyCfre9eaeRpWgXdo3ETDqRMAwfAwBRcThGCmezn35JtRBMZuPpStoEDYCm5SJ2TUJYbcbk27prgmioYOAD6Ppll+ROYhEhNsPm/2DfOF/riwXRDeTUMmCYrkouNPEjJytJ3Ee9rLUcGDnA/WbWtHBq4sMcTApDmEu8txk04kLINXKQ+YZRTiET2g5QMXH2pgoEDxnuHM2+vTdQWfWG5dOiScFmpioHrzx95c0J5fsUlzOmnzaM4W4vnUlstwNUxiDr7smqPTqyWWvLY1JNa432t5dDAAdUatJL92jgnZuGkgdIn8Sz9Yco2cNAPoIypYfi65+FUhtJ0A1cXwUS5WamKgQNg/VJ/gxq2x9OXuKQqBg6ANwxlnC+spS7HVTEIxPfM/UhzS6xjrevSve429rWVYwPHu0eYMUqTIwPnq1Jc3FQJhfIOIzcnEq/GTTknZRs4IBR3GmV5VUaTOw0ZuGqo7gYO4GtO07+92xPKdaNI/gsOmZsqGTjA74hUP0ozQwDehzRcUW8NbsZE8H7WcmzgAC4/ZcYpRY4MnJeRW+IuHKY0AnWUmZ8TbUp9gqyCgZtYe6pRlk9xcQ5OIRVk4KqhJhg4wOf8ZqBIvheHzEXVDBy8IjbLrLBED1fBIFRnm/s5UNR9gW7rZ5cvsVDn8wcjPxdKA97HWh4MHEyNEqpfmbEKlwMDB7Pj83jdP1y4pdS1OFRpLJvaSR/cW80cHYjLf8XhEqmCgSu6E2fQPQmnkAoycNVQUwwcEKovJpTtTtyBiauagQNCtVybAo+voZ3pEZbGSIfCx4V7Iw5TGmAkubg8IUcH6p6KwxkY+9jKg4ED4Ml5KB8y4xUqBwYuFIsSCrbX2NQuOFSpQKdjP0um3IdDJVIFAwcUddDCST/rJJDTkIGrhppk4AAufphQvitt0xeFN+GQmaiigVu+fXoeSR/nTneCSZaHdddoif2Yj359kfowDlUqkTjOyNGFoCvCMPA+1vJk4ICw924zXqFyYeDkbQkF24mLLThM6YTdw/SJ6AdGrm70ARzOoDIGztMrBCwuf4BDp4YMXDXUNAPXn6i8x7zN/yW26fLfmnrEHqaKBm4aMClm+VXR1qHmDQjl8oR97QXTklQNH9f1WGsPw6FmYWxvK48GDoDJuY2YhcnSwIVrYYZi9yezSH4XhyqdeJZ2bbRwri7ExTU4nEFVDNyEeinz1Udiprj8CA6dGjJw1VDTDBzA5d/oMn+dEMeNYBHwljwGh01FlQ1cfzb7qk2E+qjET3G6ifiaGqWKRPLnRp4uxIc8bcTbW8uzgePiNDNmYbIwcNAfCi6yZqH2yjLxX5H078D9zDI+b+WTcLhZVMXAxUtreT5ouXwo9+tTgAxcNdREAwfEnZjlfQmx3AimLmlNHozDDqXKBg7otxuOUb6CNUfhVA1gDVa8nwtxMdjQlMUCfQ3GuboQV/fiULPA21vLs4EDQnm1GbcQWRg4WM/TLNBevLsWh6oU3NOdSSDOY/N/vBsO9xhVMXBAe+XuRpkuxYXdABYycNVQUw3cNL4758/v7IlDDqTqBg6A14WhOtl726VR3J8txWC5/iwEfvo/um5fl/jqtzjeffuc3QTwttYqwMD5XrllblkYuFC4f43G1e2s1T0Zh6oUYyt2MfJ2o636x3wWDvcYVTJwQKiuMsp1InUHCyaPw+EyQQauGmq6gRuTL9HnwWsSYrrS1kxvI+pg4KaBKSu4uiF+2mjGLUiiq/99GU7NIFKXmfs6UKS+hENVinCyZeTsQpG6mbXEW3C4GLyttQowcED8dFn8rxnfq2wMnFGYA4lLWTR5IA5VOYy8nWklDvUY1TNw5xnluhBXl1t36iUDVw013cDBcRrINyXEdKe48/+qvXHoROpk4IB27wT9e/9mQtxixNUXWPCjwWufLlvxBH1dutvY11ZclwkDVqrMwtUHGnm7EpfJ5hVvZ62CDBwQivPN+F6V08CF3U8mFGavaO2xOFQlCeWVRu6udObK3XG4mKoZuP5gBrNsW+Xp+4MhA1cNNd3ATcO7H0yI61BiY6pF1utm4KaJuiexIgZGzdbWoeYNGL/u+Qn72gvetgSrnorDVYrYvHoasBOprayd0O8bb2etAg1cf6DjZjMHb8pr4Lws8rwOh6ks4+oQfWG+LqEO9uLyIhwupmoGDgil+0fGLiADVw2NioEDIvWJhNgu9euhJq6uBm6atnqDt9GPhtQXcfhEvBmYAtvVhkB/J1z5uN5DG5gTJ+NtrFWggQPa3eeaOXhTDgMX9J6RUJC9AnExDlVZYGkdXyNwQUlU0sCJnxpl24jL23CIXJCBq4ZGycC95+pdma9O39OC1Rpgeaq5qLuBm4bLf2QwytfHpLnTmn/L3APGZoL3cyLxKxymskSdfXW+3zLr4EIJS5cZ29iqYAMHhKKop3A5DFwkfNwhPZy6n0dViOc1Eu7nwAMtmjwCh6umgVt7mD7BO3wKp9wMYCEDVw2NkoEDoEO830ENWvo8MNcUO00xcNPEfQzFh/S57xdOnwJB/7M0wBMivK8LcfF+HKrSRDBYJ6EeLoSPZfy5tUowcOPrDtC/046Zi3PlMHA+Ju4N1S04TC3g8hKzLg7E5XocqpIGDggFN8rPq/ZUcv+/rJCBq4ZGzcAB/YXvfZ+8ky9KTTNwmKDznHiWglCeGz8V4lKwPH3n0gwemOgdzfzMsp+u713V8LUyAx5Igj+3VgkGDuhPXO172clcBu6rzsV7L8JhagFcoHBdXIjLC9j83zx5ViwuoaO0uW0ecfG6WWXbgsvPpW4bF5sbLl9hlm+hSP4jDpGaSB5jlDcqaqv9cXMMpe4GDljU2TOO61NB90QcNp5cHW9no0C9Z2i/uyoAT+qW6rqDYHqSYZprDrKZhGoVM48lWz2s41+BQ9UCLhcn1MdeXGzW+thjcfAxaC1x5oxaFEvQPcXMx6G4CHDI4cAdmWsN6tdRZeBEgOviStu3/8msWHBnj7fJq886Pinj8vNobGoXXGxu4LE8Lt9GS27cFYdIjc9jpOpKc6HEhOqf49eErlTWTPe4LVwr6fcC5wy8nY2SYowKMJ0RPpbs9VN9fJ+KQ9WC1uShCfVxJHnuY3HwMWgruG6WxbINOxv5uFTSKF6CIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiCIAiiPOZ39mTzf7HvyCm4+Ykz2uDJbHFvL2MbH1q2/XEzWr864Dy9SB9rhcf0oDNX7s4i+TQ2/7Inz6pPUcCxi3Oqi6DdIP8yfwc4p1HRzHMeQRANIBSXavVGTpE66bE2CMRrGJeXGNv40Lh49YzWrwZgrEKxxsjVtbg6Z1ZcLr5ibFMHRUr/ZuRXGe8uYWOdV7JgzUtZe2r3WXXzSdg9zMipNtLtFqpFLOqe9Fi7FWnmxqb2MXMaEbXVUbg5CuHYFU9gC696uo6/vz7/HRB/77VQgYZ3uo2gferURnBDRpQIF6v1SXX7yImrd85qh7Ou20P//U5jO/faqmO/clbsMuFyvv4R3pqQp0tt1Rft/4hPUjMJ5YqEbeusG7WpW6b/nTernq6JDZwRu856SOu/9bnoXez0FTvj6jolks9OiD8aKsLAhWsO0sfnm7VhPF+ro891vzTyqIduw1Vzxri+1kzIV7BAfFQf8z/W7bQ+IX4NJDazxb2n4OoRRUIGbgd9E2du614P6Haf/TSqDMY7h+sL2sMJ+blVu3di4g+9eQZuhtSvWCQ+zMK1h+FqW9M8AzdDapP+V+rj8m242k4gA+ee4EdP1DeCH9Mxrjdi1lVcfgRX05pQtVikVhmx6ige33R9HVeRKBoycLMJ5WeMbX2Iy9+w8Rv2wOELJX59npCbW21g8zt/ikPHNNrAxbpbazWLpl6Cq25Fow3cY9rAxlaf4Pw1Fhk4t4z3Dmf91+JgvM2YddX4NQfgquYmmHqhPtd+XJu3It7wFKX12juchqtKFA0ZOJOw9yMWCf9PpkJ5S6H9f6aBi2LUe29CPm7Fxd049Cyab+BmSPTmNLJZGQ0Dt0PwNGT79j/BzZALMnD2wNP0VudQo/zGSF8TbZkeaMTl/Wb5DVBLnYqrTJQBGTgTuNC21PF6u0eM/dzL/mSRBahbKH+tTyx/TMjFpbay0xJem85kpAxcrE36uPuc0RcwK6Nm4EBcXeukwzQZODtC8WoWqXuMshsj9UvWnjwUVzsTrc7Bup1uN8tujO7BVSbKggzc3ARiYQFGZ7s+IX6Whav2xuG9EKrlRnz3+k5sMoYxegauLy6vsXo1OIoGrq+N2oBFuDkyQQYuP6FYZJTZNHH1WlztTETir1h/UI5ZdmOkPoSrTZQFGbi5md/ZTW+72djXve7SJ8e/x+GdE67dm8FTIDO+W7XWHJPqKdOoGjgYOBKJ41K1URKja+C01O3xvI15IQOXD2hzaHtcZtMEAzLyMm9qJ13GWqPMpinoPQNXnSgLMnCDgf4ecSfdhDJcq50ypzzA9AxFnICjyVNw6DkZVQMHgie7vHsFbpJUjLSBi7UJN0lqyMBlh8uzWBE3fmWLy+tx1VMDN2TxjXhCuc3S73HViTIhA5cOGNiAy/ChoPsqHNoavuZF/ck8E+I5k7g5c8fWUTZw0+LyS7hZhkIGDp5irmALenvhphkKGbhs8O4RRjlNFV/7Clz9VIyt3ocV01+6AlJvxtUnyoQMXDpgBYVQPGiU41pcflufaA/B4a0IxTVGHNcK5PvYvJVPwqEHQgZOS9yV+VUqGTgwcPfotsveF4cMXDa4/L5RTjP1SLwSQh5CcV5Cec3UwskDcfWJMiEDlx4u36r33WaU5VxqC2tnNENzEYqlZvmOxeVFOGwqyMBN6zO4aQZCBu5RiW0sWJWtPw4ZuHTATUUgTzfKaKp4xt/gNMGao+I+rbi8JorLfF0+CI+QgctGKM5kRfR14PKXOHRmIvkm/ycXcTkOmxoycNPaxpZk6BhMBm6HuPx/uHkGQgYuHf0Rp83v9waK5AUszxQ1bfUGBktu4fIaKdGNzSpRMcjAZac/sMEs07W4/AEOnZpInaNPSluNMl2Ky3VWk9OSgdshLj6b+iJCBm6HYDDI/M6+uInmhAzccOYtf7z/G78qqXcQboJUcPFbs6yGCq6XribTJhxCBi4fofqiUaYPwaSSWftI8c6zjHJci0vBAn0HagMZuB2K1KbU7UkGbrbSthtABm44C9bvZezbWInf4eqnoqib+CoIHgRk7d9MFAQZuHzA3Ugo/l3L8zxx4m7Gu5/IdPfDxa1mOU71v/G0JLaQgUMS61J9z2TgZisSCjfRnJCBGw6Xlxj7Nlefx9VPxUTvHQllNVQqfzcZwjMuDRys+8bFTbVQpE7CTZEZeNUwIV7HChnY0H0fDp9IqK4193UptYmNX7cHDpsL1wYOf8euBMuC4Vi+tKizJ24mA+cGTn+nuM4uFMo7zFielBbXBo6LbUa9q6q0Bg7XscnKO3FvKO82ymqqaOLeCuPUwImvsHbvhFpokTgAN0Uu4kfp4majLdxrIw5t0F9p4YGEfd2prb6Mw+bGtYELuica37MLRfKUeDQvl8qI6VqLOgfjZjJwbeAi+V2jzi7Eu2+Pp/rg8l4jpmulxbWBg4lNcb2rqrQ3XmYdm6u84HKaLKLCODVwMsTFjwT9BeKLGJn6czahno/Dx/DO++OFmPE+LtWyXOQZ49zAWawvmha4Gw3leiO2K8Hrq2G4NnChPBeHcM5n9XfTFmcnxHakFGvvAq4NHBf34xC1xv2x1RcXF7Fo8uWpB+pUHVw/F4r0+X1cHMDaK3fH4QgiGTJw7ojUPUabOJfYbDzSDtbAAsoJ2zpSJB5mgXjNrJguqKOBm2a8dzjzNc3CMNxfZP0buGm4eqX+nbh/Jc3lMhwqETJwg+Hyg0YdbRV0noPD1JrxuNuMWU8bwYoXBJEZMnDu4Oue1x/YkNA2LhXJjWze8p36MeXzjM9dCqZpCMRCVFM31NnAAZFcbOTgQsOos4EDQvH3LFS/T8jDQuKnOEwiZOAGA+2I62gldTYOUXsC+QGznhaCJ28EkQsycO5Ytv1x2uy8uJA5lNq9E+Oh3UH3XOMzt7rTyYjTJOpu4MZWPzM2uDgPWw2j9gYO+mqqVQl52GgDDpMIGbjBQDviOuYVl+sb9/QN4PICo665pbZkmgaHIGZBBs49sAICbhv3epjBqF/z7+4UyS/FgzR8UXcDB4TiV0YethpbsQsOM4u6GzggXAUDbnAe+RXJW4e2G0AGbjChuN2oY359oJTfpG+C7vKEuuYTrH3dlH6BRAmQgfPDRO9o5vJutmhxlX8ViLQ0wcBFkx838rBVtPolOMwsmmDgADOP/OJgPFIMZCADNxiXBi6SS0r5TfrG5Xmdi2+SgSPyQwbOH1y932ijOghm3o46h+PqOKcJBo53x408bAVrLA6CDJwpMnBucGngQvn1RpoTpwZO3sQWqP1xCIJIBxk4v3B1jtFO1dZV+iT+DlwNLzTBwAUd96/LufxbHGYWZOCSRH3gXOB6cXauFuAQtcflK1QQzMNIELkgA+cXWBopUOcbbVVFwVOM01cUd8fcBAPH1T8Yediq1XkbDjOLJhi4saldEvKwEI1CdYLLp0vTWpJzsfiqwsUXjDraathTd4JIhAycf2Ax+lBeabRX1QSTrRZJIwyc/B8jD2sNeRVYdwMX3PxU3W5XJeRhIXUeDpMIGbjBuH66tEMXp1plpA5EwtO8m+JS9sacS3sRIwoZuGII1fH6h3+r0WbV0Wdwyt5pgoEL5X1GHrYKxP/BYWZRewMn/pq5XkuyLd6FwyRCBm4wLeGp367YzGAFEy5eh0PWDi5fYdbPhdQDLOx9g02sPRWHJIhkXBq4uijono6boTCKXOA7lcSD+sTxLZxmIdTdwIXiLUYOLjSMOhu4eCUGD/MkwivZNLg2cHVSGoJVTzX2q6W0YeTiWv3vP2tTeiSb39kNV9UKI14NxeNrEQw0OYu1OofGS0ISNYMMXLEsuXFXVh0T9whryWPiV7xlUGcDx6ee9ehTBTMPWw2jjgYOXpuGwv2UK9NKCxm44eD9miCYcLs/b+a58W933vLH42pnApffDMHcoutZIN/ndf5PwiFk4IolHtQQL8VSvonjUpVm3oC6GriJ7tH6d/MVI74rDaNOBg5W8eDdM7RxukjHcb8GKojLB3DYOSEDNxy8X7O0jYXqUn0cRPG5OC+hWJ9QdlO0Sf+m/qXUawOREjJwxbNM/zBaa4/UJ5IHjdyKVNl3WXUzcLAsUKRgrchtRmxnUitwWAP3Bu6h+OmED5mx3IuLz+ImmhMycMMJxUeNfZupDWxRzkXkYfkrs7xmqf/7lalWOCFKggxcecDJA+dWhLj8SCUm2HRt4JogWEt3GO4NXH0Fr8bGxQG4ieaEDNxwFnX2NPZtsrj4Gls0mW2ELNz8+lgHuaoKuieVfsNPJEAGrly4/BsjP58Kuv+GUygNMnBYW9m85TvhZjIgAzdTX8XNMxAycOkAU4P3b7ravVfhZhgIrPXqqx9sNXUHW9DbCzcDUSZk4MonFG6nVJhTYks8aKEqkIGbLVhWJw1k4GYo46ohZODSEapTte4xymi0xOW4GQYSdGG961VmOY3WB3AzEGVCBq584JUFF+5n9Mfi0v8C9VkgA7dDMPorEi/HTZQIGbhprc08mpAMXDqgXSfE64wymi4uv8TaK5+Em2NO+KrnMehDistpslrd43EzEGVBBq58YIZyLn9s5OlDMPqqKpCB2yHee13qUXFk4LTEf7EF12R/nUMGLhtc/bNRTvO1GjfDQAJ5SkIZDZbagpuAKAsycOUTip6Roy9FalNlJmwkA9dXJO/PtIQOGTgY7PFC3CypIAOXjXkrYM3a0XrCxMW2+K1IFgrrBlMRcfGu1DechEfIwJVLKL5h5OdbXFzPYDmYsiED1xcsLZWFUTdwkfo4bpLUkIHLTnv1Ifqc8QujvGbrG7gZBtJfweLChHKaqo3xsmtEyZCBKw/ua93BlIpWH4hTKhQycNpMq5/gZhnK6Bq4jdZdAMjA5QPmrgzFF4wyGyuxjS286um4GQYCT6Tikam4rMbqNtwERNGQgSsemE+nrc4ofx4h8TsWrt0bp1cYo27guEg36hQzmgZuA5vfeTJuisyQgbMj7B4fd8PAZTdRMMVTHmBd0WhERvDCSFyiRMjAFQ/MNxQqaeRVhrj4GBu/YQ+cYiGMtoH7vdbrcZOkYvQM3DYWrXEz/Q0ZODtgeaVQLNLteKtRfuMkzsfVTwU8iRtf83rGu1eYZTZMeU0u4QgycMXC17zIyKd83VLKwIZRNXBcTFq196gYOC4eZFxN4upbQQbOHbACRiRv0mXfZ8Rqhm7BVc4MvG0JxZUNfiL3fVxlokjIwBVH0HuGkUtlJNbhdL0zegbuNyxUF+JmyEzzDdwjWsu9LN1DBs4PcGPK5WcYzM0Xit8Yseuq+ZfZv7afpq32f7SNVut/m/MEkxa9LxEycMUwtvqZ+i7sHCOXKmlJ7yCctldGzcBFcjw28bY028Ddpg3AF1m4yk/fTDJwfgnEcfr7e3f8+pELmNtyRd+s1HSajSU37oqraE2gjmKt7smPttHlrO5t5NLkEhlxaeC4DHHxhGbpLbvpH+evjPaqnKBzcoGDGkbHwMn4CYUrmmjguPh5PJmxb1wbOC7uxyGIgmiv3D02Q2H8VMv8blzoTB2jzszv7MaiSW2q5fuMurlS3duo1pCB8wv0darKgIVUEusZ/NiLoNkGbptuS87GVj7X+YSXTTFwkZyvfx97Zlq6yBYycM0kWvsCfZ590Ph+bDW2eh8cqra8d9XeXp7yNamNagcZOL/0DZHZVpWXOhVXxTlNMnBc3ssi1dX/zmcLetmXeMqCcwMnbmf97yJB4kr97/+Y+7iQ2sLCgl/bk4FrLu3JQ/V38h3jO7JR08wJTMXD5aeMetoIBrMQJUEGzh/jncONNqqLInUzW7ZhZ1wlp9TdwMX9VtRV2lB9X+t9LOg8B1fRC84NnDwXh3gMeILcUsd7m7Mwkv/C+NSzcFhvkIFrNoE83fiObNQ0AweE8mVOf89k4EqEDJwf+gMWHjDayJng6QX+m2uJy9kCtT+umjNcGzguL4xPJr4VZFi31AdFGrhpIvEPCfs5kro986z3eSED13xcrt3aRAMHhPJ3Rl3zCs6JREmQgXMPTI6L28aluDZvkXya/u/rjc/c6142tmIXXEUnuDZwaYxIEyjDwAGh+lnCvo4kNrLgZv/GmAxc8+HSXV+45ho4d3P3kYErETJwbjnrhj28dBSdKS4v6q+7132z/u/7jc+dS5yNq+kEMnD5KMvAtSYPTtjXofTx7BsycM2nP4+g+V3lEdwoN5FQulsObWLtM3HxRFGQgXMHl2/V7eB70MLqWTFhstNIbk3Yzq1494xZcV1ABi4fZRk4oLX2SG3ouwlluBHMk+d61O5MyMA1FzhuuHiX8R3ZqIkGbqHj80dTn1LWAjJwbihkwIJYhMPG8Mkj9GfuXhvMJVjDdd7ynXD43JCBy0eZBg5Y2vE4r6HYos9JX8EhnUEGrrmE4tNxf0r8HdnI581EGYTy77SmjHraaGzKTxcbIgVk4OzpX1A9DlgA6ZPTICLxV7r9O+Z+DhWprQxmDncFGbh8lG3gAFgpgQufA2k+j0M6gQxc85g3tZM2bv9hfDf26uBQtSV+Oik/x+L5KY16WkhtaZzJrRVk4OwJhY+Tx2wtEfvhsLPov0o9xdjPvR6Kn8C4gAxcPqpg4ACuLmEu+9LM1n1eXl+RgWsWE+r52kTAclSOjQlI/DsOV0tCdbK+Nv+rl5kLuJrE4YgicWngQvG92MTVQePr7EfOwIAFGHHqck4dLC7XZercHaovGmW4FgyccAEZuHxUxcABfgc2PKDPKW/BIa1wbuD0DQ0+t1RVaQ0xbAcjOasvf+fdWAOOvdNX7JyQT/UUyYfNermUauOmIYrEqYGrkbh6J26KTMxb/njddr8xynWpSN4ZnyiyEooilu7aqOu/AIfOBBm4fFTJwAGheEdCmQ7VPRmHzI1rA1cntdVRuDkS6U9RZO4/SgJzOOhNA5yX8T6jqGjyQNw0RJGQgcsH3J3hMp1L/T0OmwrePcEsy4s68avbvJCBy0fVDFx8MRMbE8p1JH2OghUhXEAGbjhk4EC/xc0yCzJw2+MBR65+l0ROyMBlh3ePMMpzrUhdhsNmgqsF/kYKztI17NgVT8DhU0EGLh9VM3AATCUQyjsSynYk8V84ZC7IwA2HDBw8gfsIbpZZjLqBg64Dofw6bhaiaMjAZaOIAQuh3IzD5gIuVt77QMS6EIdOBRm4fFTRwAHhmoP0if3bCeU7kjrPes4pMnDDGXUDx+W9cReZQYy6gQvFxVZvXwhHkIFLR7zygTYquBzX4vIT+oexFw6fm4X6oopj+BCXH2PLNmTrr0cGLh9VNXDTcHljQgx3Gr9uDxwyNWTghjPaBu4eBpMBD2OkDZzagpuDKAsycOl479q9mddXRLE2OTVv0/jPW7enuF23aYBDD4QMXD6qbuDa6g0JMdyJd5fgkKkhAzecUTZwXHwNN0cio2zguLgWNwdRFmTghjO/82Tm3QQJWKD+WBzaCUtu3JXBRdqI6UGBfBMOPydk4PJRdQMHhOKjzmfFnylYFSRPB2oycMMZVQPHxd24KeZkdA3cVtwURJmQgRsMDFiIpMcRdrF+Hw868En/FfD3EmK7FfS54/J5qWbnJgOXjzoYOKB19X4MJro147kQ9O28CoccChm44YykgVNbWCBeiJtiTkbVwLXWHIObgigTMnCDCeWVxr6uFamJQjqEhpOvNmJ7kbiU8XXPw+ENyMDloy4GDjqCh+oLCfEcSV90o87hOOxAyMANZ9QMHNfHEZcXZRpNP5IGTl2b66k34REycMnAj5l3YYkWc1+X4vICHNoroTrVyMGXhplSMnD5qIuBmwaelJkx3SnLZKJk4IYzWgbuLtZeuT9ugqGMlIETm9mizsG4CYgqQAbOBAYs8O4njH2cS9yc6lWja0L5n1r3mvm4lriLnTbAxJGBy0fdDBwQib9OiOtO8wfMmj8TMnDDGRkDJ25nYyt2wdVPxagYOJhSJeg8B1efqApk4GYTD1gQdxvbO5e6nS286uk4fGHAHZWRkwdx2Zvz1QQZuHzU0cABofpQQmxXulP/pidwSAMycMNpvoFbq+t41pznpTQ038BtZEH3aDZv+U646kSVIAM3m0C+z9jWteK7GvVpHLpwQrnOyM29trGWPCZxYkwycPmoq4Fb0NvL280RrF3J5YahaweTgRtOkw0cl3ewqPcXcR1taLKBg4FHMBdeGW+HiIyQgdtBJI4ztnOvbfEozSoAHVJD+YeEHN0KRqZG8ts4PCMDl4+6GjigrQ6JjwczB1eSOOQsyMANp4kGjot/YK3JQ52ZkiYauKh3AYtWv8TqySRRMGTg+gMWQvkyrUeM7VwLTGKVgA68kfiWkacPcfmPs2KTgctHnQ0cMNE7WsfckJCHG0W961hLHInDxpCBG06dDRw8iQ3lfVrXa3011wCFNNTewInN+t/1LFRLWaBeiqtH1AUycPqE1Ttcn9x+YmzjWvDqtIq09Z1ppLYa+frQzEENZODyUXcDB4Q9npCHSyUvtE0Gbji1MHDiwUdf9cE8gzDJ+i0MVggI5Q/1Z2fmHpyQlnoYuEcea6N+O92i22a1/u9fsKj7Qe9tRBRA2P07xrvLRk7j6pC4/su2P06fsCLjc9cKVct6IW6fROKNRs4+FMlTWPCjJ/ZjytONz20UquNRrZpJGI+SNuufV2W1m+9zzwJlPn0Bc4K3GxUltQdBEARBEARBEARBEARBEARRcf4/PYmEqf98RGAAAAAASUVORK5CYII=>

Expert Review

Charges
2/5
Rewards
2/5
Customer Service
4/5

Detailed Analysis

The American Express Membership Rewards Credit Card stands out as a premium choice for those seeking a credit card with good rewards and benefits. With 1% rewards on eligible spends, it makes a compelling option for premium enthusiasts.

The card's comprehensive insurance coverage and lounge access benefits offer added value and convenience for cardholders.

While the card offers numerous advantages, it is essential to consider the annual fee of Not specified and other associated charges. These factors should be weighed against the benefits offered.

Overall, the American Express Membership Rewards Credit Card is a great option for those who want a premium credit card with competitive rewards and premium benefits. If you are looking for a card that offers good value for money, this is worth considering.

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Quick Stats

Bank American Express
Category Premium
Rating 4.5
Reward Type Reward Points

Best Suited For

Premium
General

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