Best credit cards for emergencies: These 6 credit cards can help you in a pinch

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. If you feel like you're struggling financially right now, you're not alone. According to a CNBC and SurveyMonkey Quarterly Money Survey released in April, less than half (40%) of Americans have enough in their checking or savings account to cover a $1,000 emergency expense. You can't always plan for an emergency, so it helps to know which financial tools are available when funds are tight. CNBC Select goes over some of the best credit cards for emergencies, whether you need immediate access to credit or help paying off a large, unexpected purchase over time. Best credit cards for emergencies Best for instant access to credit Who’s this for? If you're looking for instant access to a new line of credit, look toward the Blue Cash Preferred® Card from American Express . If approved, you'll receive a digital card number so you can start spending instantly while still earning rewards on everyday purchases. Other great perks: The Blue Cash Preferred has a $0 annual fee for the first year, so you won't have to pay the $95 annual fee until at least the second year. Plus, the card earns 6% cash back on groceries from U.S. supermarkets (up to $6,000 per year, then 1%) and 3% back at U.S. gas stations with no cap. While the Reward Dollars you earn aren't as flexible as other cash back currencies, you can redeem them for statement credits or purchases at Amazon.com. …