American Express Grace Period

Amex grace period

Last Updated on 08/30/2017 by GS Staff

A grace period buys you time to fully pay your credit card balance to avoid interest. The U.S. Credit Card Act of 2009 requires credit card companies to offer a grace period of at least 21 days if they offer a grace period. Since most credit card companies offer a grace period, you will commonly have a minimum of 21 days from the end of the billing cycle to pay your credit card before interest is charged.

The table below reflects the American Express grace period for their various credit cards. You will see that they offers at least a 25 day grace period for their cards that allow you to carry a balance. Some American Express cards require you to pay the entire balance each month so a grace period is not a factor for these cards.

Keep in mind that the grace period does not apply for cash advances and balance transfers. You start paying interest the day they occur for these types of transactions.

Credit CardGrace PeriodLate Payment Fee
Blue Cash EverydayAt least 25 days after the close of each billing period.Up to $38
Amex EverydayAt least 25 days after the close of each billing period.Up to $38
Premier Rewards Gold CardMust pay entire balance by end of month. Up to $38
The Platinum CardMust pay entire balance by end of month. Up to $38
Blue Cash PreferredAt least 25 days after the close of each billing period.Up to $38
The Starwood Preferred GuestAt least 25 days after the close of each billing period.Up to $38
Gold Delta SkyMilesAt least 25 days after the close of each billing period.Up to $38
American Express Green CardMust pay entire balance by end of month. Up to $38
Amex EveryDay PreferredAt least 25 days after the close of each billing period.Up to $38
Platinum Delta SkyMilesAt least 25 days after the close of each billing period.Up to $38
Hilton Honors CardAt least 25 days after the close of each billing period.Up to $38
Delta Reserve CreditAt least 25 days after the close of each billing period.Up to $38
Hilton Honors Surpass CardAt least 25 days after the close of each billing period.Up to $38
The Mercedes-Benz Credit CardAt least 25 days after the close of each billing period.Up to $38
Plenti Credit CardAt least 25 days after the close of each billing period.Up to $38
Blue from American ExpressAt least 25 days after the close of each billing period.Up to $38
Blue Cash CardAt least 25 days after the close of each billing period.Up to $38
Blue SkyAt least 25 days after the close of each billing period.Up to $38

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