Bonuses & Fees

Introduced in December 2020, the American Express Choice Card is a no-annual-fee Membership Rewards credit card. It offers 10,000 Membership Rewards Select points upon spending $1,000 in the first three months.

Remember, MR Select points are different from regular MR points in that they can’t be transferred to airline frequent flyer programs.

Instead, the best uses of 10,000 MR Select points would be one of the following:

• Redeeming for $100 worth of travel at a ratio of 100 points = $1
• Collecting at least 15,000 MR Select points and redeeming for a flight through Amex Fixed Points Travel
• Converting into 12,000 Marriott Bonvoy points

Either the Fixed Points Travel redemption or the Marriott Bonvoy points would represent a decent initial bonus to pick up in exchange for no annual fee. So if you’re looking for a no-fee “keeper card” to support your credit history in the long run, this may well be an attractive offer.

Supplementary cards are free.

Earning Rewards

The Amex Choice Card offers a basic earning rate of 1 MR Select point per dollar spent on all purchases. As you can probably tell, this earning rate isn’t really the most competitive, which is somewhat expected for an entry-level product with no annual fee.

The Amex Choice Card is best-suited for those who are interested in collecting MR Select points while building up a relatively new credit file or restricting themselves to lower annual fees and credit limits.

I wouldn’t recommend putting your daily spending on this card, compared to the numerous stronger cards out there (such as the American Express Cobalt Card, to name just one).

Insurance Coverage

As a no-annual-fee product, the American Express Choice Card does not offer the cardholder any insurance coverage on travel bookings or purchases.