Best American Express® (AmEx) Credit Cards

Compare 34 AmEx credit cards on Myfin.us.

By Myfin Team
Updated November 30, 2022

Best Credit Cards in November 2022

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American Express Blue Cash Preferred best for Gas, Groceries, Streaming services, Daily use

Blue Cash Preferred® American Express
Annual fee:
$0 intro annual fee for the first year
$95 for the rest years
Regular APR:
17.74% - 28.74% Variable
Our Rating:
5
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%).
    • 6% Cash Back on streaming (select U.S. streaming subscriptions).
    • 3% Cash Back on transit. Transit includes taxis, rideshare, parking, tolls, trains, buses, and more.
    • 3% Cash Back at U.S. Gas Stations.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $250 Back after you spend $3,000 in purchases on the Card within the first 6 months of Card Membership. You will receive the $250 back in the form of a statement credit.
  • Purchase Intro APR:
    0% Introductory APR for the first 12 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Preferred® Credit Card provides high rewards at U.S. supermarkets and U.S. gas stations, and for streaming services (select U.S. streaming subscriptions), and transit expenses. It has a $0 introductory annual fee for the first year, then $95.

    The Blue Cash Preferred® Credit Card from American Express® offers a 0% introductory APR promotion. You’ll pay no interest on purchases and balance transfers for 12 months and then an APR of 17.74% - 28.74% Variable. The Blue Cash Preferred Credit Card's Penalty APR is 29.99%.

    The Card also has 0% introductory plan fee on each purchase moved into a plan during the first 12 months after account opening. After that, your plan fee will be up to 1.33% of each purchase moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase and other factors.

    The Blue Cash Preferred® Credit Card has a welcome bonus where cardholders earn a $250 statement credit after spending $3,000 on the new card within the first six months of card membership.

  • Pros:
    • Excellent cashback bonuses
    • Generous intro APR on purchases
    • Great introductory bonuses
  • Cons:
    • Cashback cap
    • Annual fee
    • Foreign transaction fee
  • Benefits:
    • Earn $250 Back (in the form of a statement credit);
    • 6% Cash Back at U.S. Supermarkets on up to $6,000 per year in purchases (then 1%);
    • 6% Cash Back on streaming subscriptions;
    • 3% Cash Back on transit;
    • 3% Cash Back at U.S. Gas Stations;
    • 1% Cash Back on other purchases;
    • Extended warranty;
    • Fraud Protection;
    • Return Protection;
    • Car Rental Loss and Damage Insurance;
    • Global Assist® Hotline;
    • Pay It Plan It®;
    • American Express Experiences;
    • Terms Apply.
Card detail

American Express® Gold Card best for Cash Back

American Express® Gold Card
Annual fee:
$250 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
2.98
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on dining at restaurants worldwide, plus takeout and delivery in the U.S.
    • 4x Points on groceries at U.S. supermarkets on up to $25,000 in purchases per year.
    • 3x Points on flights booked directly with airlines or on amextravel.com.
    • 1x Points on other eligible purchases.
  • Intro Offer:
    • 60,000x Membership Rewards® Points after you spend $4,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Gold Credit Card's annual fee is $250. The card offers 4x points on dining (at restaurants worldwide, plus takeout and delivery in the U.S.) and groceries (at U.S. supermarkets on up to $25,000 in purchases per year), 3x on flights (booked directly with airlines or on amextravel.com) and 1x on all other purchases.

    The Card's variable APR is 19.74% - 26.74%.

    As a new cardholder, you have the chance to earn an impressive 60,000 Membership Rewards Points after spending $4,000 in purchases within your first six months. New cardholders will also have the chance to obtain the alternate Rose Gold art.

    There are no foreign transaction fees with this travel card.

    Add your Gold Credit Card to your Uber account, and you’ll automatically get $10 in Uber Cash each month, for a total of up to $120 per year. You can use your monthly Uber Cash on Uber Eats orders or Uber rides in the U.S.

    Dining from the comfort of your home can save you up to $120 annually. Earn up to $10 in statement credits monthly when you pay with the Gold Credit Card at Grubhub, Seamless, Boxed and other participating partners. Enrollment required.

    By booking two consecutive nights or more through the American Express Travel portal at any of 600+ eligible properties with your card, you can receive up to a $100 hotel credit in addition to a possible room upgrade if eligible. The expenses that this credit can cover varies by property, but you can expect money back on qualifying dining, spa services, resort activities and things of that nature.

  • Pros:
    • High rewards rate for select categories
    • Introductory Bonus Points
    • No Foreign Transaction Fee
    • UberCash Credit
    • $120 Dining Credit
  • Cons:
    • Complicated Rewards System
    • High Annual Fee
    • Limited International Acceptance
    • Relatively High Credit Score Requirements
    • Balance transfers are not available
  • Benefits:
    • Up to $120 Uber Cash to Dine or Ride;
    • $100 hotel credit with The Hotel Collection;
    • 60,000 Membership Rewards® Points;
    • 4x Membership Rewards® Points on dining at restaurants;
    • 4x Membership Rewards® Points on groceries at U.S. supermarkets;
    • 3x Membership Rewards® Points on flights booked directly with airlines or on amextravel.com;
    • 1x Membership Rewards® Points on all other purchases;
    • Additional Cards;
    • American Express Experiences;
    • Car Rental Loss and Damage Insurance;
    • Baggage Insurance Plan;
    • Global Assist® Hotline;
    • The Hotel Collection;
    • Terms Apply.
Card detail

Blue Cash Everyday® Card from American Express best for Cash Back, Gas, 0 APR, No Annual Fee, Families, Shopping, Groceries

Blue Cash Everyday® American Express
Annual fee:
$0
Regular APR:
17.74% - 28.74% Variable
Our Rating:
4.24
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 3% Cash Back on groceries at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%).
    • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%).
    • 2% Cash Back on gas at U.S. gas stations on up to $6,000 per year in purchases (then 1%).
    • 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Intro Offer:
    • $150 Earn up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases, plus $100 back in statement credits after spending $2,000, all within the first 6 months.
  • Purchase Intro APR:
    0% Introductory APR for the first 15 months from the date of account opening
  • Balance Transfer APR:
    17.74% - 28.74% Variable
  • Issuer name:
    American Express®
  • Details:

    The Blue Cash Everyday® Card from American Express offers up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases, plus $100 back in statement credits after spending $2,000, all within the first 6 months. Plus, earn 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%), 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%), 2% Cash Back at U.S. gas stations and 1% Cash Back on other purchases. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.

    The Blue Cash Everyday® Card from American Express offers an introductory 0% APR on purchases and balance transfers for 15 months, followed by a variable APR of 17.74% to 28.74%.

    Your Card gives you the option to carry a balance with interest or pay in full each month. So, whether you're managing your monthly expenses or making a large purchase, you can have the payment flexibility you need while continuing to earn rewards.

    When you use your Card to reserve and pay for the Entire Rental and decline the collision damage waiver at the rental Company counter, you can be covered for Damage to or Theft of a Rental Vehicle in a Covered Territory.

    Stay in the know with exclusive access to ticket presales and Card Member-only events in a city near you. Check out Broadway shows and concert tours, family and sporting events, and more.

  • Pros:
    • No Annual Fee
    • Provides Gas and Grocery Rewards
    • 0% Intro Offer
    • Welcome Bonus
  • Cons:
    • Limited Redemption
    • Bonus Cash Backs Capped
    • Card not Ideal for Travelling Abroad
  • Benefits:
    • 3% Сash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%);
    • 3% Cash Back on U.S. online retail purchases on up to $6,000 per year in purchases (then 1%);
    • 2% Cash Back at U.S. gas stations on up to $6,000 per year in purchases (then 1%);
    • 1% Cash Back on all other purchases;
    • Up to $150 back when you shop with PayPal merchants by earning 20% back in statement credits on your purchases;
    • $100 back in statement credits after spending $2,000 within the first 6 months;
    • Car Rental Loss and Damage Insurance;
    • 24/7 Global Assist® Hotline;
    • American Express Experiences;
    • Fraud Protection;
    • Pay It Plan It;
    • Additional Cards;
    • Terms Apply.
Card detail

American Express® Marriott Bonvoy Brilliant™ best for Hotel

Marriott Bonvoy Brilliant™ American Express®
Annual fee:
$450 annually
Regular APR:
19.49% - 28.49% Variable
Our Rating:
2.53
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 6x Points on hotels. For eligible purchases at participating Marriott Bonvoy hotels.
    • 3x Points on dining at U.S. restaurants, including takeout and delivery.
    • 3x Points on flights.
    • 2x Points on all other purchases.
  • Intro Offer:
    • 150,000x Bonus Marriott Bonvoy Points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The Marriott Bonvoy Brilliant™ Credit Card is a great option for making your stays more luxurious. It has a $450 annual fee.

    The Card's APR: 19.49% to 28.49% (Variable).

    You'll earn 6x points per dollar spent on eligible purchases at Marriott hotels, 3x points per dollar spent on airline tickets and at US restaurants, and 2x points per dollar spent everywhere else. You'll also earn a free night certificate every year after your account anniversary, which you can redeem at Marriott Bonvoy properties that cost up to 50,000 points per night.

    The card also offers an annual credit of up to $300 toward Marriott Bonvoy hotels. It applies to room rates as well as on-site purchases like room service or spa treatments. The current offer includes complimentary Marriott Bonvoy Gold Elite status, which is normally available only after staying 25 nights in one year.

    The Marriott Bonvoy Brilliant™ Credit Card also provides some helpful protections, including baggage insurance, rental car protection, and a host of purchase protections.

  • Pros:
    • No foreign transaction fees
    • High earning rate
    • Annual statement credit
    • Annual free night award
    • Transfer partners
    • Prized travel protections
  • Cons:
    • Annual fee
    • Most redemption options outside of hotel stays have a very poor value
    • Balance transfers are not available
  • Benefits:
    • 150,000 Bonus Marriott Bonvoy Points;
    • 6x points on hotels;
    • 3x points on dining;
    • 3x points on flights;
    • 2x points on all other purchases;
    • Up to $300 Marriott Bonvoy Statement Credit;
    • Up to $100 Marriott Bonvoy Property Credit;
    • Gold Elite status;
    • Free Night Award;
    • 15 Elite Night Credits;
    • Priority Pass™ Select;
    • Fee Credit for Global Entry or TSA Pre✓®;
    • Premium Internet Access;
    • Car Rental Loss and Damage Insurance;
    • Premium Global Assist® Hotline;
    • Baggage Insurance Plan;
    • Trip Cancellation and Interruption Insurance;
    • Trip Delay Insurance;
    • American Express Experiences;
    • Return Protection;
    • Fraud Protection;
    • Terms Apply.
Card detail
American Express® Hilton Honors Aspire
Annual fee:
$450 annually
Regular APR:
19.49% - 28.49% Variable
Our Rating:
3.27
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 14x Points on Hotels & Resorts.
    • 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies.
    • 7x Points on dining at U.S. restaurants, including takeout and delivery.
    • 3x Points on all other purchases.
  • Intro Offer:
    • 150,000x Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Hilton Honors Aspire Credit Card earns 150,000 Hilton Honors Bonus Points after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership. The Card offers 14x bonus points on Hotels & Resorts, 7x points on select travel, 7x points on dining at U.S. restaurants, including takeout and delivery and 3x points on all other purchases.

    The Hilton Honors Aspire Card comes with an annual fee of $450.

    The card's APR: 19.49% - 28.49% (Variable APR).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • High Annual Fee
    • Balance transfers are not available
    • Penalty APR
  • Benefits:
    • 150,000 bonus points (after you spend $4,000 in purchases on the Card within your first 3 months of Card Membership);
    • 14x bonus points on Hotels & Resorts;
    • 7x points on select travel;
    • 7x points on dining at U.S. restaurants, including takeout and delivery;
    • 3x points on all other purchases;
    • $250 Airline Fee Credit;
    • $100 Property Credit;
    • Priority Pass™ Select;
    • No Foreign Transaction Fees;
    • Car Rental Loss and Damage Insurance;
    • Premium Global Assist® Hotline;
    • American Express Experiences;
    • Additional Cards.
Card detail
Business Gold American Express
Annual fee:
$295 annually
Regular APR:
17.99% - 25.99% Variable
Our Rating:
2.61
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 4x Points on the 2 select categories where your business spent the most each billing cycle. 4X points applies to the first $150,000 in combined purchases from these 2 categories each calendar year (1X point per dollar thereafter).
    • 1x Points on other purchases.
  • Intro Offer:
    • 70,000x Membership Rewards® Points after you spend $10,000 on eligible purchases with your Card in the first 3 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express® Business Gold Card earns 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.

    Get 4x Membership Rewards® points on the 2 categories where your business spent the most each billing cycle (4x points applies to the first $150,000 in combined purchases from these 2 categories each calendar year, 1x points thereafter), plus earn 1x on other purchases.

    The American Express® Business Gold Card comes with a $295 annual fee. The Card's APR: 17.99% to 25.99% (Variable).

    The American Express® Business Gold Card offers travel and protection benefits.

  • Pros:
    • No Foreign Transaction Fee
    • Travel benefits
  • Cons:
    • Annual Fee
    • No Intro APR period
    • Balance transfers and cash advances are not available
  • Benefits:
    • 70,000 Membership Rewards® Points;
    • 4x Membership Rewards® points (2 business categories);
    • 1x Membership Rewards® points on other purchases;
    • 25% Airline Bonus;
    • Extended Warranty;
    • Relationship Care® Service;
    • Employee Cards;
    • The Hotel Collection;
    • Global Assist® Hotline;
    • Baggage Insurance Plan;
    • Car Rental Loss and Damage Insurance;
    • Trip Delay Insurance;
    • Terms Apply.
Card detail
Schwab Investor from American Express
Annual fee:
$0
Regular APR:
17.74% - 20.74% Variable
Our Rating:
2.45
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 1.5% Unlimited Cash Back automatically deposited into your eligible Schwab account for purchases made with your card.
  • Intro Offer:
    • $200 Card Statement Credit after spending $1,000 in purchases on your Schwab Investor Card® in the first 3 months of Card Membership.
  • Purchase Intro APR:
    0% introductory APR for the first 6 months from the date of account opening.
  • Issuer name:
    American Express®
  • Details:

    The Schwab Investor Card® from American Express is an exclusive for Schwab customers with eligible accounts credit card with some decent rewards. The card earns a flat-rate 1.5% cashback on all purchases. New account holders also benefit from a $200 statement credit should they use their card to make at least $1,000 in purchases within the first 90 days of opening an account – all for no annual fee.

    Other perks include 0% introductory APR for six months on purchases (17.74% - 20.74% afterward), access to American Express 24/7 dining and events assistant, fraud, and travel protections.
  • Pros:
    • No annual fee;
    • 0% APR introductory APR for the first 6 months after account opening, 17.74% - 20.74% afterward;
    • $200 statement credit after making $1,000 in purchases within the first 90 days.
  • Cons:
    • The Schwab Investor Card® is only available to clients who maintain an eligible Schwab account;
    • 2.7% foreign transaction fee of each transaction after conversion to US dollars.
  • Benefits:
    • $200 card statement credit after spending $1,000 in purchases on your Schwab Investor Card® in the first 3 months of Card Membership.
    • 1.5% unlimited Cash Back automatically deposited into your eligible Schwab account for purchases made with your card.
    • 24/7 Dining & Events Assistant.
Card detail
American Express® Platinum Exclusively for Morgan Stanley
Annual fee:
$695 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.64
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Membership Rewards points for every dollar spent (on up to $500,000 per calendar year) on airline ticket purchases directly with airlines or with American Express Travel, and on prepaid hotel purchases made with American Express Travel.
  • Intro Offer:
    • 125,000x Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express Platinum Credit Card® for Morgan Stanley is only available to Morgan Stanley customers with an eligible brokerage account. The Card earns 125,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 5x Membership Rewards® Points on travel.

    The Card’s annual fee is the highest: $695. The card doesn’t charge foreign transaction fees.

    The APR for purchases is 19.74% - 26.74% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • High APR
    • Balance transfers are not available
  • Benefits:
    • 125,000 Membership Rewards® Points (after you spend $6,000 on purchases on your new Card in your first 6 months);
    • 5x Membership Rewards® Points on travel;
    • Complimentary First Additional Platinum Card;
    • Invest with Rewards;
    • $300 Equinox Credit;
    • $240 Digital Entertainment Credit;
    • $200 Airline Fee Credit;
    • $200 Hotel Credit;
    • Uber Cash, Uber VIP;
    • Walmart+ Monthly Membership Credit.
Card detail
American Express® Platinum for Schwab
Annual fee:
$695 annually
Regular APR:
19.74% - 26.74% Variable
Our Rating:
3.64
scorer
Credit score
Excellent (740-799)
  • Rewards Rate:
    • 5x Membership Rewards® points on up to $500,000 per calendar year on flights booked directly with airlines or with American Express Travel.
    • 5x Membership Rewards® points on eligible prepaid hotels booked with American Express Travel, including The Hotel Collection.
  • Intro Offer:
    • 100,000x Membership Rewards® points after spending $6,000 in purchases on your American Express Platinum Card® for Schwab in your first 6 months of Card Membership.
  • Issuer name:
    American Express®
  • Details:

    The American Express Platinum Credit Card® for Schwab is only available to Schwab customers with an eligible brokerage account. The Card earns 100,000 Membership Rewards® Points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. Plus, earn 5x Membership Rewards® points on up to $500,000 per calendar year on flights and 5x Membership Rewards® points on eligible prepaid hotels.

    The Card’s annual fee is the highest: $695. The card doesn’t charge foreign transaction fees.

    The APR for purchases is 19.74% - 26.74% (Variable).

  • Pros:
    • No Foreign Transaction Fee
  • Cons:
    • High Annual Fee
    • Balance transfers are not available
  • Benefits:
    • 100,000 Membership Rewards® points (after spending $6,000 in purchases on your American Express Platinum Card® for Schwab in your first 6 months);
    • 5x Membership Rewards® points on up to $500,000 per calendar year on flights;
    • 5x Membership Rewards® points on eligible prepaid hotels;
    • Up to $200 annual statement credit;
    • $200 Hotel Credit, $200 Airline Fee Credit;
    • $240 Digital Entertainment Credit;
    • Walmart+ Monthly Membership Credit;
    • Uber Rides with Platinum™.
Card detail
American Express® Lowe’s Business Rewards
Annual fee:
$0
Regular APR:
19.49% - 28.49% Variable
Our Rating:
4.41
scorer
Credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back at Lowe's.
    • 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services purchased directly from U.S. service providers.
    • 1% Cash Back on other purchases.
  • Intro Offer:
    • $100 Back upon approval. Cash Back is earned automatically as a statement credit.
    • 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months.
  • Issuer name:
    American Express®
  • Details:

    The Lowe’s Business Rewards Credit Card earns a $100 back upon approval (statement credit) and 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months.

    The Card earns 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services and 1% Cash Back on other purchases.

    The Lowe’s Business Rewards Card doesn't charge an annual fee. The APR for purchases is 19.49% - 28.49% Variable.

  • Pros:
    • No Annual Fee
  • Cons:
    • Balance transfers are not available
    • Foreign Transaction Fee
  • Benefits:
    • $100 back upon approval (statement credit);
    • 5% Cash Back on eligible purchases made on your card at Lowe's for the first 6 months;
    • 2% Cash Back on business categories, at U.S. restaurants, U.S. office supply stores, wireless telephone services;
    • 1% Cash Back on other purchases;
    • Lowe's ProServices;
    • Employee Cards;
    • Extended Warranty.
Card detail

Disclaimer: Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit http://americanexpress.com to learn more.

Best American Express credit cards

American Express offers a wide range of credit cards for every type of consumer. No matter whether you’re looking for a card to take to buy groceries or go on a trip, you’ll find a great choice with Amex.

Let’s take a look at the best American Express credit card offers.

American Express® Gold Card

If you’re a foodie or an eager traveler, you should check out the American Express® Gold Card. It offers 4x points in restaurants, 4x points on groceries at U.S. supermarkets (up to $25,000 spent annually), 3x points on flights (if booked directly with airlines or on amextravel.com), and 1x points on everything else.

Generous rewards usually come with an annual fee, which in this case is $250. However, the $120 Uber Cash to dine or ride and the $120 dining credit alone are enough to (almost) offset it.

Another noteworthy part of the rewards program is the 60,000 Membership Rewards points you earn after spending $4,000 in the first six months of card membership. Points can be redeemed in various ways, including for travel booked through amextravel.com or directly with airlines.You can also transfer them to airline and hotel program partners.

The APR range on this card is pretty standard, between 19.74% - 26.74% Variable.

This card would be a great addition to the wallets of those who frequent restaurants, spend a lot on groceries, and fly out often. Moderate spenders might not manage to justify the annual fee, so check your spending patterns before you apply. The exact value of your points will depend on how you redeem them, but in any case, you'll have plenty of options to maximize your rewards. This brings us to another important point: This card is for those who don’t mind doing some number crunching to determine the most lucrative redemption option.

American Express® Blue Cash Preferred®

The Blue Cash Preferred® Card from American Express® is not only the star card of Amex, but it’s also one of the top cash back credit cards on the market.

It comes with an exceptional 6% cash back rate on groceries (only in U.S. supermarkets and up to $6,000 in purchases annually), 6% cash back on selected U.S. streaming services, 3% on transit (including taxis, parking, buses, and more), 3% on gas at U.S. gas stations and 1% on everything else.

You might be already convinced, but there’s even more! Other benefits include a $350 welcome bonus if you spend $3,000 in the first six months (you will receive the $350 back in the form of a statement credit), 0% intro APR on purchases for the first 12 months (17.74% - 28.74% Variable after), and reduced fees with the American Express Plan It feature during the first 12 months.

The annual fee is $95, but it's waived for the first year, which means you can give the card a trial run and see whether it's the right fit for you.

As the Blue Cash Preferred® Card from American Express® has a wide range of rewards categories, this card would be a good fit for many people. This covers anyone who spends heavily on groceries, gas, and streaming services, or commutes often. By maxing out the $6,000 spending limit, you'd get $360 in cash back annually, which is almost four times the annual fee.

The Platinum Card® American Express®

The Platinum Card® from American Express® is an elite travel credit card with a long list of benefits that make it well worth the $695 annual fee. That is, of course, if you travel often enough to take advantage of those benefits.

That includes an intro offer of 100,000 Membership Rewards points if you spend $6,000 on purchases (worth up to $1,000, depending on how you redeem the points).

Cardholders also get many annual credits, including a $200 hotel credit, a $240 digital entertainment credit, a $200 airline fee credit, and $200 in Uber Cash. Cardholders can also enjoy access to the American Express Global Lounge Collection and complimentary hotel loyalty program status.

The rewards program consists of a 5x-point rewards rate on flights (when booked directly with airlines or through Amex Travel on up to $500,000 spent annually), 5x points on prepaid hotels booked through Amex Travel, and 1x points on all other purchases.

The card has a variable APR of 19.74% - 26.74%.

Considering its steep annual fee, this card should be considered by those who frequently travel and want to enjoy luxury travel benefits. Only by spending a lot, you'd be able to justify the annual fee. For example, $16,000 spent on flights and prepaid hotels would earn you 80,000 Membership Rewards points worth $800 if redeemed through Amex Travel for airfare.

American Express® Blue Cash Everyday®

The Blue Cash Everyday® from American Express® is the no-annual fee version of the Blue Cash Preferred®. The Blue Cash Preferred® card is superior in many ways, but the Everyday doesn't fall short either.

With this card, you'll earn a $200 welcome bonus if you spend $2,000 in the first six months of card membership and a 0% intro APR on purchases for the first 15 months (17.74% - 28.74% Variable thereafter).

The rewards rates are as follows: 3% cash back at U.S. supermarkets (capped at $6,000 un purchases annually), 2% back on gas at U.S. gas stations and at select U.S. department stores, and 1% on everything else.

You should apply for this card if groceries and gas make up a significant part of your budget, but not enough to justify paying an annual fee.

Delta SkyMiles® Gold American Express®

Travelers who often fly with Delta and its partners will find their trips more enjoyable with the Delta SkyMiles® Gold American Express®.

The card offers numerous benefits that will bring convenience to your flights. Some of these include a free first checked bag on Delta flights, 20% off on in-flight purchases, Priority Boarding, and a $100 Delta Flight Credit (if you spend $10,000 annually). You'll also earn 2x miles on Delta purchases and purchases at U.S. supermarkets and restaurants (including take-out and delivery). All other purchases will get you 1x miles.

The intro offer is 70,000 miles after you spend $2,000 or more on eligible purchases on your Card within your first 3 months of Card Membership.

The redemption options are flexible. You can redeem for flights, seat upgrades, gift cards, and more. Another great thing is that you can also redeem rewards with one of many Delta’s airline partners.

The card also comes with a $0 intro annual fee for the first year, ( $99 thereafter). The variable APR on the card ranges between 19.49% - 28.49%.

Needless to say, this card will benefit most those who frequently travel with Delta and its partners, especially those who often check in their luggage. The welcome bonus alone could be worth more than $600, depending on how you redeem. This means you’ll have the annual fee covered for the next few years. Other people who might benefit from this card are those who want a travel card that earns them rewards on groceries and dining.

Blue Business® Plus American Express®

The Blue Business® Plus from American Express® is a nice choice for all business owners looking for a business card with a rewards program. The card has a great rewards program, which includes 2x points on all purchases made annually for up to $50,000 in purchases (1x points afterward).

You also can earn 15,000 Membership Rewards points after you spend $3,000 during the first three months of card membership. The 12-month 0% intro APR on purchases will enable business owners to make some big purchases for their company’s needs without paying interest. That is, if they manage to pay off the balance during the intro period before the ongoing APR of 16.99% - 24.99% Variable kicks in.

Another benefit that makes this card attractive is the Expanded Buying Power feature which offers you an option to spend over your credit limit (the amount is still limited and depends on various factors like credit history and card usage).

The card also has a number of practical management tools, including employee cards, online statements, access to QuickBooks, and others.

Unless you carry a balance, this card won't cost you since it has no annual fee.

The Blue Business® Plus is worth considering by small business owners who want to avoid the additional cost of an annual fee and earn rewards on all purchases. It'd also be valuable to those who have some big purchases coming up and want to pay them off without interest.

American Express® Business Gold

The American Express® Business Gold credit card offers excellent rewards and flexibility for your business needs. It earns 4x points in two spending categories of your choice, on up to $150,000 in combined eligible purchases in those categories (1x points thereafter).

The intro offer is 70,000 Membership Rewards points after you spend $10,000 in the first three months of card membership. For a business, this could be easily doable. The welcome bonus can be worth up to $700, covering the cost of the annual fee ($295) in the next two years.

There are several options for redeeming Membership Rewards points. For instance, you can pay with points at Amazon, Best Buy, and Dell.com, or redeem for gift cards, transfer to partners' loyalty programs, cover your card charges, and more.

Other noteworthy features include the Pay Over Time Option (pay off purchases over time) and No Preset Spending Limit (your credit limit will be flexible and adjust based on factors like payments, purchases, and credit history). The Expense Management Tools offer many practical features like keeping track and organizing your expenses.

Business owners whose company’s spending is concentrated in two out of the card’s six categories should consider applying for the American Express® Business Gold. The card has no foreign transaction fees, which makes it valuable for those who travel internationally, and comes with a few travel benefits like Car Rental Loss and Damage Insurance.

Business Platinum American Express®

The Business Platinum from American Express® is an elite business credit card. It comes with an annual fee of $695 that's a bit on the high side but well worth it for the rewards and benefits it offers.

Additionally, this is the American Express® card for business travel as it comes with the many perks provided by the consumer version – The Platinum Card® from American Express®. The card earns you a generous 5x miles on flights and prepaid hotels when booked through Amex Travel and 1.5x points on purchases of $5,000 and more and in select business categories.

The welcome bonus (120,000 points) could be potentially worth more than $1,200 in travel, but it requires you to spend $15,000 during the first three months. Yet, its worth would be more than sufficient to cover the annual fee in the first year.

Even without the bonus, the Business Platinum offers several annual statement credits of over $1,400 in business value. These include $400 on Dell Technologies purchases, $360 back on Indeed purchases, $150 for Adobe Creative Solutions, a $120 wireless credit, and more.

Another great feature is the 0% APR intro offer during the first 12 months on purchases available for Pay Over Time (17.99% - 25.99% Variable thereafter).

The Business Platinum from American Express® would be a good choice for business owners who often travel and spend a lot in select bonus categories. They should have a large enough budget to pay the annual fee and spend the $15,000 required for the one-time bonus.

American Express® Blue Business Cash™

The American Express® Blue Business Cash™ is the cash back version of the American Express® Blue Business® Plus. The rewards structure is similar, but you earn cash back instead of points. Cardholders earn 2% cash back on all eligible purchases for up to $50,000 spent per year and 1% afterward (cash back earned is automatically credited to your statement).

There's an excellent welcome offer of $250 for spending $5,000 during the first six months of card membership. Plus, earn an additional $250 statement credit after you spend an additional $10,000 or more in qualifying purchases on your Card within the first year of Card Membership.

All other features replicate those on the Blue Business Cash™: no annual fee, a 12-month 0% APR (16.99% - 24.99% Variable thereafter), Expanded Buying Power, and the Expense Management Tools.

The best thing about cash back credit cards is their simplicity since you don't have to calculate points' value through different redemption options. Business owners who just want to swipe the card and get the rewards should look into this card.

Delta SkyMiles® Platinum American Express®

The Delta SkyMiles® Platinum American Express® is the more premium version of the Delta SkyMiles® Gold card. It also comes with a higher annual fee of $250 and better rewards and benefits.

Let’s start with the excellent intro offer, which in this case is 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.

The rewards structure includes 3x miles on Delta purchases, and hotel purchases (made directly with hotels), 2x miles at restaurants and U.S. supermarkets, and 1x miles on everything else.

Other benefits cardholders can enjoy are the status boost feature that will get you closer to the Medallion Status, first checked bag free, domestic main cabin round-trip companion certificate (every year when you renew your card), and more.

There are no foreign transaction fees, which is always appreciated when it comes to a travel credit card.

The variable APR is 19.49% - 28.49%.

If you’re a traveler who flies with Delta and wants to do it in style, the Delta SkyMiles® Platinum is the right card for you. If you’re in a dilemma between the Platinum and the Gold, consider whether you’d take advantage of the two main distinctions — the companion ticket and the status boost. For instance, if you think you’ll do at least one round-trip domestic flight with Delta in coach with a companion per year and the flight’s fare would be more than $250, you’d be better off with the Platinum version.

Hilton Honors American Express®

The Hilton Honors American Express® Card is a very lucrative, no-annual-fee credit card. The card will treat Hilton fans to a substantial welcome offer, high rewards rates, and excellent travel benefits.

The one-time bonus is twofold: 70,000 Hilton Honors bonus points and a free night reward. It has a relatively low spending requirement of $1,000 within the first three months of card membership.

On top of that, you’ll earn 7x points on hotels and resorts (included in the Hilton portfolio), 5x points at supermarkets and restaurants in the USA, 5x points on gas at U.S. gas stations, and 3x points on all other purchases. Cardholders will automatically get the complimentary Hilton Honors Silver status with the card, and those who spend $20,000 in a year can also upgrade to the Hilton Honors Gold status.

Finally, something you should bear in mind is that the Hilton Honors points usually have lower value compared to other loyalty programs. According to third-party sources, one Hilton Honor point is worth around 0.5 cents. Besides booking hotel stays at Hilton properties, you can also redeem the Hilton Honors points for gift cards, experiences, and more.

The APR for this card is 19.49% - 28.49% Variable.

The Hilton Honors American Express® card is a good choice for travelers who like to stay at the Hilton chain hotels but prefer to avoid annual fees.

Hilton Honors Surpass® American Express®

The Hilton Honors Surpass® American Express® is a more premium version of the Hilton Honors American Express® Card. The card will cost you a $95 annual fee, and it includes a better rewards program, a Hilton Honors Gold status, a eekend night reward, and 10 Priority Pass visits a year.

The limited-time welcome bonus is 130,000 Hilton Honors Bonus Points and a free night after you spend $2,000 in the first three months of card membership.

Additionally, you earn 12x points on hotels and resorts (included in the Hilton portfolio), 6x points at supermarkets and restaurants in the USA, 6x points on gas at U.S. gas stations, and 3x points on all other purchases.

The card comes with a complimentary Gold status, and you can upgrade to the Diamond status by spending $40,000 on eligible purchases in a calendar year.

The APR is the same as on the Hilton Honors American Express®, 19.49% - 28.49%.

This one is also for Hilton fans who don’t mind paying some extra bucks for a better experience at the Hilton properties.

Marriott Bonvoy Brilliant™ American Express®

The Marriott Bonvoy Brilliant™ American Express® is a premium credit card that will bring your stays at the Marriott hotels to a different level.

The card offers 6x points at hotels participating in the Marriott Bonvoy program, 3x points at U.S. restaurants, 3x points on flights booked directly through airlines, and 2x points on all other eligible purchases.

Points can be redeemed for stays at the participating Marriott properties or for flights and rental cars with the Marriott Bonvoy partners.

There is a generous welcome offer: 75,000 Marriott Bonvoy points after you spend $3,000 during the first three months.

To enjoy all benefits, you'd have to pay a hefty $450 annual fee which can be easily offset with the up to $300 in Marriott Bonvoy statement credits and up to $100 in Marriott Bonvoy property credits (for qualifying charges at the Ritz-Carlton or St. Regis when you book directly using a special rate for a two-night minimum stay).

You'll also get a free night reward for each account anniversary and 15 Elite night credits yearly toward the Marriott Bonvoy Elite status.

Other noteworthy perks include fee credits for Global Entry or TSA Precheck and Priority Pass Select.

The variable APR ranges from 19.49% - 28.49%.

Travelers who are regulars at the Marriott Bonvoy hotels and want to earn points for their stays would greatly benefit from this card.

American Express® Cash Magnet®

The American Express® Cash Magnet® is a simple cash back credit card that will cost you nothing to have in your wallet (unless you carry a balance, of course).

It offers an unlimited, flat 1.5% cash back rate on all purchases. The card also comes with a relatively long 15-month 0% APR intro offer on purchases (17.74% - 28.74% Variable thereafter).

There’s also an intro Buy Now, Pay Later Plan It Fees offer which removes plan fees when you use the feature during the first 15 months. After that, there will be a fee of up to 1.33% of each purchase amount of $100 or more.

Another welcome treat for new cardholders is the $200 statement credit you'll earn after spending $2,000 during the first six months of card membership.

The American Express® Cash Magnet® might lack some premium perks, but it's an excellent option for people who want a no-fuss cash back credit card that earns them rewards on every purchase. It's also suitable for those who have a big purchase coming up and want to make use of the intro APR period.

What is an American Express credit card

American Express, also known as Amex, is a multinational company that specializes in payment card services. An American Express credit card is an electronic payment card.

American Express is one of the leading issuers of personal, small business, and corporate credit cards. The company has its own processing network that competes with Visa and Mastercard. It was reported that in 2020, 99% of U.S. merchants that accept credit cards now also accept American Express credit cards.

You can also take your American Express card to your trip abroad as they are accepted in more than 160 countries and territories internationally.

Services offered by American Express

American Express offers a variety of services, including:

  • Credit cards: American Express has an impressive portfolio of credit card offers. It stands out for its premium travel credit cards that usually come with many luxury benefits. Still, customers can also find business credit cards, cash back cards with everyday spending categories, and even co-branded credit cards with partners like Delta Airlines and Hilton.
  • Personal loans: If you’re interested in an American Express personal loan, you can easily check whether you’re pre-approved. Loan amounts range from $3,500 up to $40,000.
  • Savings account and CDs: It’s worth considering parking your savings with Amex due to the competitive annual percentage yield and the fact that there are no monthly fees.

What are the benefits of having an American Express credit card

On top of rewards, American Express also offers other attractive features with each of its credit cards. Although these vary from card to card, here’s a list of the benefits you may find on Amex cards:

  • Car rental loss and damage insurance: If you pay for a car rental with your Amex card, the issuer will cover repairs or theft. The maximum coverage amount will depend on the card you have. For example, with premium credit cards like The Platinum Card® from American Express® or The Marriott Bonvoy Brilliant™ American Express®, you'll get coverage of up to $75,000. In contrast, with other non-premium cards, you may get up to $50,000.
  • Trip cancellation and interruption insurance: Out of the credit cards on our list, the following have this feature: The Platinum Card® from American Express®, The Business Platinum from American Express®, and The Marriott Bonvoy Brilliant™ American Express®.
  • Baggage insurance:This is another useful travel benefit that comes with certain American Express credit cards. The degree of protection varies depending on the card, with premium cards providing higher coverage.
  • Extended warranty: If you pay for a purchase with your American Express credit card, you may get an additional year on eligible warranties. You can get covered up to $10,000 per purchase (up to $50,000 annually). This benefit can be found on the following consumer credit cards found on our list: The American Express® Gold Card, The Platinum Card® from American Express®, The Blue Cash Preferred® from American Express®, Delta SkyMiles® Platinum American Express®, The Hilton Honors American Express® Card, and The Marriott Bonvoy Brilliant™ American Express® Card.
  • Purchase Protection: If you pay for a purchase with your card, American Express may reimburse you in case of theft or accidental damage that happens within 90 days of purchase. The coverage amount per incident is $1,000 for most cards, but it's higher for some premium cards. However, it cannot exceed $50,000 in total claims annually.
  • Return Protection: Cardholders can get compensation if the store won't accept an eligible item for return within 90 days of purchase. The refund is limited to $300 per item and up to $1,000 per year.
  • Shop Small: Many American Express cards have this feature which offers some cash back when you shop at select local merchants.
  • Global Assist Hotline: This feature is available 24/7 when you’re on a trip that’s 100 miles or more away from home. It can help you with many things, like travel guides or issues you may experience during your trip. Some high-end Amex cards have Premium Global Assist Hotline.
  • Lounge Access: With some American Express travel cards, you'll get access to more than 1,300 lounges in 140 countries.
  • Instant Card Number: Once approved for an American Express credit card, you can get an instant card number you can use anywhere American Express cards are accepted.
  • Terms Apply.

Another area where American Express shines are flexible payment options offered with their consumer and business credit cards:

  • Pay It Plan It: This feature allows you to pay for small purchases immediately (Pay It) and pay off larger balances over time by establishing an interest-free payment plan for a monthly fee (Plan It). All consumer cards on our list have this benefit.
  • Pay Over Time: This is an extended repayment option available to cardholders of certain cards. Be aware that this feature can easily lead to hefty interest charges.
  • Expanded Buying Power: This feature enables eligible business cardholders to spend a certain amount beyond their credit limit.

What is the American Express Membership Rewards program

American Express cards that are part of the Membership Rewards Program earn you Membership Rewards points that have several redemption options. These include statement credits, gift cards, online shopping, travel, or you can transfer them to one of American Express’ airline and hotel brand partners.

Collecting points is easy and straightforward. You earnt them every time you make a purchase with your Amex card. American Express doesn’t have expiration dates or limits on the number of points you can earn.

What are American Express points worth

The value of the American Express Membership Rewards points varies depending on how you redeem them. You’ll have to be a savvy strategist to get the best value for your points. We recommend using the American Express Rewards Calculator to find the most lucrative ways to redeem points. Usually, the most worthwhile options are to redeem points for travel through AmexTravel.com or transfer to travel partners.

How to choose the best credit card from American Express for you

The best American Express card will be the one that best fits your financial situation and wants. As Amex offers many choices, it's easy to get confused. That's why we prepared a mini-guide to help you with the decision.

First, ask yourself about your most important financial goal at the moment. If you're planning a major purchase that you want to put on your credit card, paying it off should be your priority. In this case, a card like the Blue Cash Everyday® from American Express® with a lengthy 15-month intro APR period is worth considering.

If that's not the case and you'd prefer an American Express rewards card, ask yourself the following questions:

  1. Do you want a travel card or a cash back card with common bonus categories?
  2. Would you prefer a straightforward, cash back credit card, or you don't mind doing the math to find the best redemption option for points and miles?

After you get a better idea of your needs, you can make a comparison of a few cards that match your criteria.

For example, suppose you decide on a travel card. In that case, you can go for a general card, like The Platinum Card® from American Express®, or a co-branded one, like The Hilton Honors American Express®.

How to get an American Express card with bad credit

Unfortunately, American Express doesn’t offer credit cards for individuals with bad credit. Instead, their cards require a good to excellent credit score. If you’re eyeing an American Express card but don’t have the credit score for it, you can try to improve it by getting a starter credit card or a credit card for people with bad credit.

How to cancel an American Express credit card

You can cancel your American Express credit card by calling the number on the back of your card. Note that annual fees are non-refundable and that you’ll lose any points that you have accumulated if you cancel the card. If you have another American Express account, you’ll usually have 30 days to transfer rewards to that account.

Should I get an American Express card

An American Express credit card might not be for everyone. You might want to look elsewhere if:

  1. You travel internationally

Although American Express is widely accepted in the U.S. and has a solid presence globally, it's not nearly as widely accepted as Visa or Mastercard. Also, many American Express cards come with a foreign transaction fee (usually 2.7%).

  1. You are looking for a balance transfer credit card.

If you’re carrying a high-interest balance on another card and want to do a balance transfer, a new American Express card might not be the best choice for it. None of its cards has an intro balance transfer offer.

FAQ

What are other credit cards to consider?

Other American Express credit cards worth considering are the American Express® EveryDay® Credit Card (earns points and has no annual fee) and The Marriott Bonvoy Business American Express (great for business owners who prefer to stay at Marriott Hotels).

How to transfer a balance to an American Express credit card?

There are two ways to transfer a balance to an American Express credit card. You can do it online through your American Express account page («Account Services»->”Payment & Credit Options”->”Transfer Balances”). Alternatively, you can do it over the phone by calling the American Express customer service number on the back of your card.

Which American Express card is the most prestigious?

The American Express Centurion Card is the crème de la crème of the American Express cards’ world. It’s also called The American Express Black Card. The card is made of anodized titanium and weighs nearly 14 grams.

Does American Express offer a secured credit card?

Secured cards are an excellent choice for students or credit card beginners. Unfortunately, Amex doesn’t offer any secured credit cards at the moment.

What is the hardest American Express card to get?

The answer would be the same as the most prestigious card – The American Express Centurion Card. It's designed for high-net-worth individuals who can get it only by invitation, which is usually extended to certain Platinum Cardholders once they meet specific requirements.

What credit score is needed for an American Express credit card?

American Express doesn't explicitly specify a credit score requirement. Still, most of their cards are intended for people with good to excellent credit scores. To have good chances of being approved, you'll usually need a credit score of at least 700. Although there have been cases when lower credit scores have been approved, those are less common.
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