Amex Zync
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How we calculate effective rate →
The Amex Zync from American Express earns up to 0.6% effective value on dining in Madeen's catalog snapshot. Its annual fee is $25.
- Top category
- Dining
- Effective value
- 0.6%
- Annual fee
- $25
Best for dining-heavy spend when the $25 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back.
What does the Amex Zync earn in each category?
Dining is the strongest category at 0.6% effective value (1% back). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amex Zync compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 0.6% effective value (1% back). That dining rate ranks higher than about 0% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Amex Zync compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 0.6% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 0.6% |
| Gas Gas stations and fuel | 1% back | 0.6% |
| Travel Flights, hotels, transit | 1% back | 0.6% |
| Other General everyday spend | 1% back | 0.6% |
Madeen values cash back at about 0.6 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Amex Zync?
The Amex Zync fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back.
Amex Zync fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 0% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back.
Less compelling if the $25 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $25 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 0.6% effective (1% back).
- No foreign transaction fee listed.
Cons
- $25 annual fee requires enough spend in bonus categories to offset.
Does the Amex Zync have an annual fee?
The Amex Zync has an annual fee of $25 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $25
- Foreign transaction fee
- None
Related encyclopedia topics
Common questions about the Amex Zync
Does the Amex Zync have an annual fee?
The Amex Zync carries an annual fee of $25 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Amex Zync?
Dining is the strongest Madeen category for the Amex Zync at about 0.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Amex Zync charge foreign transaction fees?
The Amex Zync does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
Is the Amex Zync annual fee worth it?
Whether the $25 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Amex Zync?
Madeen's catalog lists a typical credit range of Excellent for the Amex Zync. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How do you redeem rewards on the Amex Zync?
Rewards on the Amex Zync post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
How does the Amex Zync compare to similar cards?
Compare the Amex Zync against Hilton Honors American Express Aspire (3.5% on Dining, $550 fee); Hilton Honors American Express Surpass (3% on Dining, $150 fee); Hilton Honors Business (3% on Dining, $195 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Amex Zync This card | Dining | 0.6% | $25 |
American Express | Dining | 3.5% | $550 |
American Express | Dining | 3% | $150 |
American Express | Dining | 3% | $195 |
American Express | Dining | 2.8% | $250 |
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American Express and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of American Express. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure