Zync from American Express® Reviews: Is It Worth It? (2024)Reviews, rates, fees, and rewards details for The Zync from American Express®. Compare to other cards and apply online in secondsJohn KiernanWalletHubHigh rewards rateNo initial rewards bonusForeign feeRequires excellent creditMust be paid in full each month
We're sorry, but the Zync from American Express® may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-528-4800, Ext.
This is a charge card and therefore the balance needs to be paid in full each month.
Annual Fee
$25
APR on Purchases
Not Applicable
Balance Transfer
Balance Transfers Not Allowed
Rewards
Customize the Card with features and benefits that suit your lifestyle.
Zero interest because you pay in full each month.
Earn 1 point for every eligible dollar you spend.
Get 2X points when you book travel on the American Express Travel website and on eligible purchases in certain categories when you enroll in select Packs and earn up to 10X points for every dollar you spend at a selection of great stores at membershiprewards.com/earn.
Use points for millions of rewards from some of your favorite brands and stores at membershiprewards.com/shopping, Get discounts on popular rewards like electronics, travel, entertainment, and more or Use points for specific card charges such as gas, groceries, office supplies.
Zync from American Express®'s Additional Info
cash advance fee
N/A
cash advance APR
Not Applicable
foreign transaction fee
2.7%
smart chip
No
max late fee
$35 or 2.99% of the past due amount, whichever is greater.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
4.4
User Reviews
3.6
Market Comparison
4.1
fees: 5.0
rewards: 3.9
cost: 4.2
Other Features: 0.0
4.6WalletHub Rating
WalletHub Rating
4.6
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.9
Market Comparison
4.6
fees: 2.9
rewards: 4.8
cost: 5.0
Other Features: 5.0
(123)
(38)
(3,514)
annual fee$25
annual fee$0
annual fee$95
rewards rate 1 - 2 points / $1
rewards rate 1 - 3 points / $1
rewards rate 1 - 5 points / $1
bonus offerNone
bonus offer 20,000 points
bonus offer 60,000 points
Purchase Intro APRNot Offered
Purchase Intro APR0% for 12 months from account opening
Can't find what you are looking for? Submit your question about Zync from American Express® to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
The Zync from American Express® card may have rental car insurance, but it's not guaranteed. Because most American Express credit cards have rental car insurance, there's a chance that the Zync from American Express® card has it, too; Amex, however, does not disclose this information. It should also be noted that the card does not accept new applicants anymore.
If you're a current owner of the Zync from American Express® card and want to know whether your card has rental car insurance, then check the guide to benefits that came with your card. Or, call customer service at (800) 528-4800 and speak to a representative.
Share your insights and review for the Zync from American Express®
5
15%
4
18%
3
62%
2
5%
1
1%
3.4
123 reviews
123 reviews
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Chikezie Okeke @chikezieo
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5 Star Rating
Verified Customer
Great card with good reward point. Card has no spending limit and Amex added some nifty features like paying down high cost items independent of your regular payment.
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Winterlich Feather @winterlichfeather
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5 Star Rating
I've had my American Express Zync card for about 8 months now. I applied and was immediately approved with a NPSL (no preset spending limit). For only $25 per year, I've had my own American Express card, which comes with fantastic benefits and unparalleled customer service. I use my Zync everywhere I go and it has never let me down since. This card helps control spending because you cannot carry a balance over to the next month and need to pay in full, which I do like. The card also looks great and makes people look twice each time I use it. I like the fact I have so many benefits, such as rental insurance, extended warranty, and product protection. Product protection ensures that I'll be reimbursed if an item I purchase gets damaged, lost or stolen! No other card offers the benefits American Express does. I would highly recommend the Zync card to anyone looking to step foot in the door with AMEX!
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Maile Weis @mailew_1
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5 Star Rating
Having an American Express Zync card has been super helpful. I applied and received it towards the end of my college freshmen year. Using this card I am able to pay for many of my monthly bills with it when I need to put them off.Since it is a Paid In Full card it keeps me from running up the charges and becoming more a responsible consumer. There have been a few times where I was late in paying in full, and Amex has reasonable late fee terms and prices. It is also nice that I can use my Reward Points with my Amazon.com account in order to purchase small items. I highly recommend this card to anyone looking for an alternative to a debit card, or just a way to build their credit.
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Erasmo Stiefel @erasmos1
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5 Star Rating
My Zync card is great. Not only do you receive the benefits of having an American Express card (outstanding customer service!) the annual fee is low and you rack up membership rewards points very quickly! You don't have to worry about carrying a balance because it's PIF every month. My favorite part of the Zync card, is the customizable packs. You can tailor special "packs" to your card, some free, some with a monthly fee, that can double or even triple your reward points. Could be great, for example, to add the restaurant pack to double points at restaurants, if you eat out a lot. Highly recommend American Express and the Zync card!
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Robyn Dry @robyn.dry
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5 Star Rating
I have had my Zinc card for a few years now, and like it a great deal. This was my second credit card and it has been very benificial to have. The pay in full requirement has been a bit tough, but worth it. I also recieved 10,000 bonus points in the first 3 months, which was really nice! They have a lot of things you can redeem your rewards points for, from cash to travel! The Zinc card also has a low annual payment, I think its only $25 or so, plus $10 for my husband to have a card, as well.
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