Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.
The simplest no-fee entry into Membership Rewards: 1x points on everything, no annual fee — a low-commitment way to start earning Amex's flexible points.
People who want to try the MR ecosystem with zero annual cost.
Light spenders who value point flexibility over earn rate.
You spend enough to justify Cobalt's or Gold's bonus categories
you'll earn far more there.
You want cash back or wide acceptance.
Watch-outs Flat 1x is low — this is an entry card, not an earner. · 2.5% FX fee.
Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.