American Express cards are issued by American Express—a publicly traded financial services company—and are charge cards, credit cards, or prepaid cards. An American Express card, also called an “Amex” card, can offer a variety of perks, including rewards points, cash back, and travel perks. To create an online account or link a Card to your existing online account, go to If you're an Additional Card Member, when you're setting up your online account, you'll need the Basic Card Member's date of birth as well as your own personal information. You don't need a minimum balance to open your account or avoid monthly fees. You will need at least $1 in your account to earn the APY. There are no pre-set spending limits on the American Express Login Charge Card. You can spend as much as you've shown us you can afford.