Credit Cards
By
and
Christina Ly
Credit Cards Writer
Christina Ly is a writer at TPG. She has covered credit cards and personal finance topics since joining the team in 2022.
•
Edited by
Matt Moffitt
Managing editor for credit cards
Matt Moffitt is TPG's managing editor for credit card content and an expert in getting the most out of credit cards and points. He has at least 25 cards in his wallet at any given time. Originally from Sydney, he won the green card lottery and has been based in Austin since 2015.
•
Reviewed by
Stanley Sanford
Senior Compliance Associate
Senior compliance associate Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
March 01, 2024
The best American Express credit cards have earned high marks thanks to their stellar rewards and perks. Amex offers a card for almost every type of spender, including credit cards for beginners, casual travelers, road warriors and always-on-the-go business travelers. Whether you’re looking for global airport lounge access, generous cash back in specific categories or premium access to events, Amex has a card to fit your needs.
TPG’s experts have compiled an in-depth list of the best Amex credit cards, including several that don’t have an annual fee, based on our personal experiences. Check out the picks from our partners below to see how they stack up against each other and choose which is right for you.
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. Our travel and credit cards experts share their own experiences and give honest analyses to help you make decisions that benefit you the most. While we do receive compensation through our credit card application links, ads, and clearly indicated sponsored content, our editorial content, points valuations and card analysis are entirely our own.
The Platinum Card® from American Express: Best for high-end benefits
American Express® Gold Card: Best for U.S. supermarkets and restaurants
Blue Cash Preferred® Card from American Express: Best for maximizing cash back
Delta SkyMiles® Gold American Express Card: Best for occasional Delta flyers
Blue Cash Everyday® Card from American Express: Best for cash-back beginners
Delta SkyMiles® Reserve American Express Card: Best for SkyClub access
The Business Platinum Card® from American Express: Best for frequent business travelers
American Express® Business Gold Card: Best for flexible earning on business expenses
The Blue Business® Plus Credit Card from American Express: Best for small businesses that spend under $50,000 each year
Browse by card categories
Best
Airline
Hotel
No Annual Fee
0% APR
Business
Travel
Best for high-end benefits
The Platinum Card® from American Express
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4.5
/ 5
Go to review
Apply for The Platinum Card® from American ExpressApply now for The Platinum Card® from American Express
at
American Express
's secure site
Terms & restrictions apply.
| 5X | Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year. |
| 5X | Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel. |
Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
Earn 80,000 points
$695
See Pay Over Time APR
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Amex Platinum is unmatched when it comes to travel perks and benefits. If lounge access, hotel elite status and annual statement credits are important to you, this card is well worth the high annual fee. Read our fullreview of the Platinum Card from American Express.
Pros
- The Amex Platinum comes with access to a premium concierge service that can help you with everything from booking hard-to-get reservations to finding destination guides to help you plan out your next getaway.
- This card comes with a long list of benefits, including access to Centurion Lounges, complimentary elite status with Hilton and Marriott, and at least $1,400 in assorted annual statement credits and so much more. (Enrollment required)
- The current welcome offer on this card is quite lucrative. TPG values it at $1,600
Cons
- The $695 annual fee is only worth it if you’re taking full advantage of the card’s benefits. Seldom travelers may not get enough value to warrant the cost.
- Outside of the current welcome bonus, you’re only earning bonus rewards on specific airfare and hotel purchases, so it’s not a great card for other spending categories.
- The annual airline fee credit can be complicated to take advantage of compared to the broader travel credits offered by competing premium cards.
- Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
- Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
- $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peaco*ck, SiriusXM, and The Wall Street Journal. Enrollment required.
- $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
- $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
- $300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
- $189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
- $100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
- Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
- $300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
- Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
- $695 annual fee.
- Terms Apply.
- See Rates & Fees
Best for U.S. supermarkets and restaurants
American Express® Gold Card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for American Express® Gold CardApply now for American Express® Gold Card
at
American Express
's secure site
Terms & restrictions apply.
| 4X | Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. |
| 4X | Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). |
| 3X | Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. |
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
60,000 Membership Rewards® Points
$250
See Pay Over Time APR
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
This isn’t just a card that’s nice to look at. It packs a real punch, offering 4 points per dollar at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar). There’s also an up to $120 annual dining credit at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar, and participating Shake Shack locations, plus it added an up to $120 annually ($10 per month) in Uber Cash, which can be used on Uber Eats orders or Uber rides in the U.S. The card must be added to your Uber account to receive this benefit. All this make it a very strong contender for all food purchases, which has become a popular spending category. Enrollment required for select benefits. Read our fullreview of the American Express Gold Card.
Pros
- 4 points per dollar on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1 point per dollar)
- 3 points per dollar on flights booked directly with the airline or with Amex Travel
- Welcome bonus of 60,000 points after spending $6,000 in the first six months of card membership.
Cons
- Weak on travel and everyday spending bonus categories
- Not as effective for those living outside the U.S.
- Some may have trouble using Uber/food credits; few travel perks and protections
- Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
- Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
- Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
- $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
- Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
- Choose the color that suits your style. Gold or Rose Gold.
- No Foreign Transaction Fees.
- Annual Fee is $250.
- Terms Apply.
- See Rates & Fees
BEST FOR GROCERIES AT U.S. SUPERMARKETS
Best for maximizing cash back
Blue Cash Preferred® Card from American Express
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for Blue Cash Preferred® Card from American ExpressApply now for Blue Cash Preferred® Card from American Express
at
American Express
's secure site
Terms & restrictions apply.
| 6% | 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%) |
| 6% | 6% Cash Back on select U.S. streaming subscriptions |
| 3% | 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more |
| 3% | 3% Cash Back at U.S. gas stations |
| 1% | 1% Cash Back on other purchases |
Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
Earn $250
$0 intro annual fee for the first year, then $95.
19.24% - 29.99% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Blue Cash Preferred Card is one of the best cash-back credit cards on the market. You’ll get a great return across a wide range of bonus categories, a solid welcome bonus and a low annual fee. Read our fullreview of the Blue Cash Preferred Card from American Express.
Pros
- This card has one of the best earning structures out for among cash-back credit cards.
- The card comes with access to Amex Offers (activation required), which can save you even more money on specific purchases.
Cons
- There is a $6,000 spending cap on the U.S. supermarket bonus category, which may not work for those with large grocery budgets.
- You’ll have to pay a foreign transaction fee on international purchases, so it’s not a great choice when you’re traveling abroad.
- Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
- $0 intro annual fee for the first year, then $95.
- Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
- Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back at U.S. gas stations.
- 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
- 1% Cash Back on other purchases.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
- Terms Apply.
- See Rates & Fees
Limited Time Offer
Best for occasional Delta flyers
Delta SkyMiles® Gold American Express Card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for Delta SkyMiles® Gold American Express CardApply now for Delta SkyMiles® Gold American Express Card
at
American Express
's secure site
Terms & restrictions apply.
| 2X | Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets. |
| 1X | Earn 1X Mile on all other eligible purchases. |
Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Earn 70,000 Miles
$0 introductory annual fee for the first year, then $150.
20.99%-29.99% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Delta SkyMiles Gold Amex provides valuable elite-like benefits for causal Delta flyers including a first checked bag free and priority boarding. It can easily justify getting and keeping this card. Read our fullreview of the Delta SkyMiles Gold American Express Card.
Pros
- 20% back in the form of a statement credit on in-flight purchases (not including Wi-Fi)
- First checked bag free for you and up to eight companions
- Main Cabin 1 priority boarding
Cons
- There are better Delta cards if you want lounge access or a boost to earn elite status
- Doesn't make sense if you don't fly Delta
- Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
- Enjoy a $0 introductory Annual Fee for the first year, then $150.
- Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- Enhanced! $200 Delta Flight Credit: After you spend $10,000 in purchases in a year, you can receive a $200 Delta Flight Credit to use toward future travel.
- Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
- Earn 1X Mile on all other eligible purchases.
- Enjoy your first checked bag free on Delta flights.
- Receive Main Cabin 1 Priority Boarding on Delta flights; board early, stow your carry-on bag and settle in sooner.
- New! $100 Delta Stays Credit: Delta SkyMiles® Gold American Express Card Members can earn up to $100 back annually on eligible prepaid Delta Stays bookings on delta.com.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
- No Foreign Transaction Fees.
- With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
- Terms Apply.
- See Rates & Fees
Best for cash-back beginners
Blue Cash Everyday® Card from American Express
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3
/ 5
Go to review
Apply for Blue Cash Everyday® Card from American ExpressApply now for Blue Cash Everyday® Card from American Express
at
American Express
's secure site
Terms & restrictions apply.
| 3% | 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. |
| 3% | 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. |
| 3% | 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%. |
| 1% | 1% Cash Back on other purchases. |
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Earn $200
$0
19.24% - 29.99% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
The Blue Cash Everyday card is a good option for people who want a simple cash back structure with no annual fee. You’ll earn bonus cash back rewards on popular bonus categories, including U.S. supermarkets and U.S. gas stations. Read our full review of theBlue Cash Everyday Card from American Express.
Pros
- No annual fee
- 3% cash back at U.S. gas stations and U.S. online retail purchases
- Amex Offers, which earn you statement credits or extra points on purchases with a wide variety of merchants. (Enrollment required)
- 3% cash back at U.S. supermarkets
Cons
- There is a $6,000 spending cap on the U.S. supermarkets bonus category, which may not work for those with larger annual grocery spend.
- You’ll have to pay a foreign transaction fee on purchases abroad, so it’s not a great choice to take with you when traveling outside of the U.S.
- Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
- No Annual Fee.
- Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
- 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, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
- Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
- Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
- Terms Apply.
- See Rates & Fees
Limited Time Offer
Best for SkyClub access
Delta SkyMiles® Reserve American Express Card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5
/ 5
Go to review
Apply for Delta SkyMiles® Reserve American Express CardApply now for Delta SkyMiles® Reserve American Express Card
at
American Express
's secure site
Terms & restrictions apply.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Earn 100,000 miles
$650
20.99%-29.99% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Delta SkyMiles Reserve American Express Card is the premier choice for Delta loyalists who value an accelerated path to elite status, Delta SkyClubs lounge access, an annual companion certificate and strong earning rates on Delta purchases. Read our review of theDelta SkyMiles Reserve card.Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Pros
- Statement credit for TSA PreCheck (Up to $85 every 4.5 years) or Global Entry fee (up to $100 every 4 years)
- Delta SkyClub access when flying Delta. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Cons
- High annual fee of $650
- Lower fee Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
- Enjoy complimentary access to the Delta Sky Club® when traveling on a same-day Delta-marketed or Delta-operated flight. You will receive four Delta Sky Club One-Time Guest Passes each year. After that, you may bring up to two guests at a per-visit rate of $50 per person, per location. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
- Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
- New! Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart.
- New! Earn $1 Medallion® Qualification Dollar for each $10 of purchases made on your Delta SkyMiles® Reserve American Express Card in a calendar year and get a boost toward achieving elevated Medallion Status for next Medallion Year.
- Enhanced! Receive a Companion Certificate on First Class, Delta Comfort+®, or Main Cabin domestic, Caribbean, or Central American roundtrip flights to select destinations each year after renewal of your Card. The Companion Ticket requires payment of the government-imposed taxes and fees of no more than $80 for roundtrip domestic flights and no more than $250 for roundtrip international flights (both for itineraries with up to four flight segments). Baggage charges and other restrictions apply. See terms and conditions for details.
- New! $240 Resy Credit: With the Delta SkyMiles® Reserve American Express Card Resy Credit, earn up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card.
- New! $120 Rideshare Credit: You can earn up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Reserve American Express Card. Enrollment Required.
- Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Card receive upgrade priority over other Medallion Members within the same Medallion level and fare class.
- New! Not a Medallion Member? Delta SkyMiles® Reserve American Express Card Members with an eligible ticket will be added to the Complimentary Upgrade list, after Delta SkyMiles Medallion Members and Reserve Card Members. Ticket must be purchased on or after February 1, 2024 to be eligible to receive a complimentary upgrade.
- Fee Credit for Global Entry or TSA PreCheck®: Receive $100 back for Global Entry or $85 back for TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
- Earn 3X Miles on Delta purchases.
- Earn 1X Miles on all other eligible purchases.
- New! $200 Delta Stays Statement Credit: Delta SkyMiles® Reserve American Express Card Members can earn up to $200 back in the form of a statement credit annually on eligible prepaid Delta Stays bookings on delta.com.
- New! Transform your car rental experience with Hertz President’s Circle Status, compliments of your Delta SkyMiles® Reserve American Express Card. Enrollment in the Hertz Gold Plus Rewards program is required. To receive the benefit, you must add your Hertz Gold Plus Rewards Account number to your SkyMiles Account associated with your Eligible Card, register at delta.com/mypromos/eligible, and “Enroll in Promotion” at delta.com/hertz.
- No Foreign Transaction Fees.
- Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
- Enjoy your first checked bag free on Delta flights.
- $650 Annual Fee.
- Terms Apply.
- See Rates & Fees
Best for frequent business travelers
The Business Platinum Card® from American Express
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for The Business Platinum Card® from American ExpressApply now for The Business Platinum Card® from American Express
at
American Express
's secure site
Terms & restrictions apply.
| 5X | 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com |
| 1.5X | Earn 1.5X points on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. |
| 1X | 1X points for each dollar you spend on eligible purchases. |
Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
Earn 120,000 points
$695
19.49% - 27.49% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Good, Excellent
The Business Platinum Card from American Express is a great card for frequent travelers looking to add a touch of luxury to their business trips. While the card does come with a high annual fee, you’re also getting a ton of valuable benefits in return. They include generous annual travel credits, unparalleled lounge access that includes Amex Centurion Lounges and more. Read our fullreview on The Business Platinum Card from American Express.
Pros
- Up to $100 credit for Global Entry every 4 years or up to $85 TSA PreCheck application fee every 4 1/2 years (enrollment required)
- Up to $400 annual credit for U.S. Dell purchases; Gold status in the Marriott and Hilton loyalty programs. (enrollment required)
- Access to the Fine Hotels & Resorts program and Hotel Collection
- International Airline Program; and Cruise Privileges Program
Cons
- Steep annual fee
- Can be difficult to meet the $15,000 minimum spend for smaller businesses
- Limited high bonus categories outside of travel
- Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
- Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
- $200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
- $189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Best for flexible earning on business expenses
American Express® Business Gold Card
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3.5
/ 5
Go to review
Apply for American Express® Business Gold CardApply now for American Express® Business Gold Card
at
American Express
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Terms & restrictions apply.
| 4X | Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap. |
| 3X | Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card. |
| 1x | 1X is earned for other purchases. ** |
Welcome Offer: Earn 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.*
Earn 70,000 points
$375
19.49% - 27.49% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent/Good
The Amex Business Gold card is a solid choice for high-spending small businesses with the flexibility to earn 4 points per dollar in the two categories where you spend the most. The card is ideal for businesses who value simplicity above all. Read our fullreview of the American Express Business Gold Card.
Pros
- You'll earn 4 Membership Rewards points per dollar in the top 2 spending categories each month (on the first $150,000 in combined purchases each calendar year; then 1 point per dollar).
Cons
- Hefty $375 annual fee.
- There may be better options for small businesses who don't spend a lot.
- Welcome Offer: Earn 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.*
- Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
- Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
- Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
- Get $12.95 back in statement credits each month when you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. $12.95 plus applicable taxes.
- Your Card – Your Choice. Choose from Gold or Rose Gold.
- *Terms Apply
- See Rates & Fees
Best for small businesses that spend under $50,000 each year
The Blue Business® Plus Credit Card from American Express
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4
/ 5
Go to review
Apply for The Blue Business® Plus Credit Card from American ExpressApply now for The Blue Business® Plus Credit Card from American Express
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Terms & restrictions apply.
| 2X | Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners |
| 1X | 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter |
Earn15,000Membership Rewards® points after you spend$3,000 in eligible purchases on the Card within your first3 months of Card Membership.
15,000Membership Rewards® points
No annual fee
18.49% - 26.49% Variable
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.
670-850Excellent, Good
Thiscredit cardis good for two groups of consumers. First,small business ownerswho have under $50,000 in purchases and wants to minimize any extra costs will find tremendous value from this card’s straightforward point-earning approach. Or, if you already own otherAmex cardsthat earn Membership Rewards points and want a card with aneveryday rewards rate, the 2x is helpful for all purchases (given that you spend less than $50,000 per calendar year). Read our full review of theBlue Business Plus card.
Pros
- No annual fee
- Earn Membership Rewards points
- Transfer points to 22 airline and hotel partners
Cons
- 2x points capped at $50,000 per calendar year; then 1x
- No higher bonus categories for business-related spending
- Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
- 0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
- Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
- You’ve got the power to use your Card beyond its credit limit* with Expanded Buying Power.
- *The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
- No Annual Fee
- Terms Apply
Comparing the best American Express credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
See details Apply Now Apply for The Platinum Card® from American Express The Platinum Card® from American Express 4.5 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | high-end benefits | Earn 80,000 points Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. | 5X points | $695 |
See details Apply Now Apply for American Express® Gold Card American Express® Gold Card 4 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | U.S. supermarkets and restaurants | 60,000 Membership Rewards® Points Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership. | 3 - 4X points | $250 |
See details Apply Now Apply for Blue Cash Preferred® Card from American Express Blue Cash Preferred® Card from American Express 4 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | maximizing cash back | Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months. | 1 - 6% cash-back | $0 intro annual fee for the first year, then $95. |
See details Apply Now Apply for Delta SkyMiles® Gold American Express Card Delta SkyMiles® Gold American Express Card 4 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | occasional Delta flyers | Earn 70,000 Miles Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months. | 1 - 2X points | $0 introductory annual fee for the first year, then $150. |
See details Apply Now Apply for Blue Cash Everyday® Card from American Express Blue Cash Everyday® Card from American Express 3 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | cash-back beginners | Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. | 1 - 3% cash-back | $0 |
See details Apply Now Apply for Delta SkyMiles® Reserve American Express Card Delta SkyMiles® Reserve American Express Card 3.5 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | SkyClub access | Earn 100,000 miles Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months. | 1 - 3X points | $650 |
See details Apply Now Apply for The Business Platinum Card® from American Express The Business Platinum Card® from American Express 4 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | frequent business travelers | Earn 120,000 points Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership. | 1 - 5X points | $695 |
See details Apply Now Apply for American Express® Business Gold Card American Express® Business Gold Card 3.5 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | flexible earning on business expenses | Earn 70,000 points Welcome Offer: Earn 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.* | 1 - 4X points | $375 |
See details Apply Now Apply for The Blue Business® Plus Credit Card from American Express The Blue Business® Plus Credit Card from American Express 4 Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at American Express 's secure site | small businesses that spend under $50,000 each year | 15,000Membership Rewards® points Earn15,000Membership Rewards® points after you spend$3,000 in eligible purchases on the Card within your first3 months of Card Membership. | 1 - 2X points | No annual fee |
More details on the best credit cards
Apply for The Platinum Card® from American Express
The Platinum Card® from American Express
The Platinum Card® from American Express
The perks on the Amex Platinum are almost too numerous to list out — but they include extensive airport lounge access and a variety of statement credits to make your travel (and select everyday purchases) more rewarding and less costly.
The Amex Platinum is ideal for someone looking for additional luxury on their travels, but the numerous lifestyle perks could make it a terrific choice for an even broader audience.
“Whilst this card has a high $695 annual fee (see rates and fees), it more than justifies itself for frequent travelers like me. The lounge access options that come with the Platinum are unrivaled by competitors. I put all of my flights — whether bought with cash or points — on this card to earn 5 points per dollar spent (on up to $500,000 in these purchases per year) and to enjoy various travel protections. I also make sure to take full advantage of the array of statement credits. And, honestly, pulling a Platinum card out of your wallet to pay for something does feel pretty fancy.” — Matt Moffitt, senior editor
For luxury perks at a much lower price point, the Capital One Venture X Rewards Credit Card could be a great option.
American Express® Gold Card
The Amex Gold awards 4 points per dollar at U.S. supermarkets (on up to $25,000 in spending each year, then 1 point) and 4 points per dollar at worldwide restaurants, making it one of the more rewarding cards for everyday purchases.
Anyone who’s looking to maximize their grocery and dining purchases can get a ton of value from the Amex Gold.
“There's no better card for groceries and dining than the Amex Gold. I earn 4 points per dollar in both of these categories, and with additional perks like monthly statement credits and the ability to transfer my Membership Rewards points to valuable airline partners, the card is a mainstay in my wallet.” — Nick Ewen, director of content
For a much lower annual cost, consider the Chase Sapphire Preferred Card, which offers 5 points per dollar on purchases through Chase Ultimate Rewards; 3 points per dollar on dining, select streaming services and online grocery delivery; and 2 points per dollar on all other travel purchases.
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred offers solid cash-back rewards across a variety of categories, but you can also enjoy a lucrative welcome offer and additional statement credits for select purchases during the year.
Someone who doesn’t want to worry about maximizing travel rewards is a great fit for the Blue Cash Preferred.
“The Blue Cash Preferred Card is the card I recommended to my parents when they were looking for a new cash-back rewards card for their groceries. My parents prefer the simplicity of cash-back rewards and I knew they'd benefit from earning 6% cash back on up to $6,000 per year in purchases at U.S. supermarkets, then 1% after. Compared to the 1.5% cash back they were earning on these purchases, the elevated earnings easily justified adding the Blue Cash Preferred to their wallet.” — Katie Genter, senior writer
For similar perks at a lower cost, consider the Blue Cash Everyday® Card from American Express, which has comparable cash-back rates for no annual fee (see rates and fees).
Delta SkyMiles® Gold American Express Card
There’s a lot to love about the Delta SkyMiles Gold Amex, thanks to perks like no foreign transaction fees, a free checked bag, priority boarding and a $200 Delta flight credit after you spend $10,000 or more on your card in a calendar year. It has an annual fee of just $150, $0 intro annual fee for your first year.
You’ll enjoy great airline-specific perks and travel benefits with a low annual fee, making the Delta Gold Amex a great option for casual Delta flyers and new travelers.
“As someone who likes flying Delta but doesn’t fly often enough to earn elite status, my Delta SkyMiles Gold Amex still gives me elitelike perks to help upgrade my travel experience.” — Madison Blancaflor, senior content operations editor
Those seeking Delta Medallion elite status may prefer the Delta SkyMiles® Platinum American Express Card. This card can help you requalify for Medallion status based on your spending each year and also includes additional perks for frequent Delta travelers.
Blue Cash Everyday® Card from American Express
For no annual fee, you’ll enjoy up to 3% cash back on a variety of purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
Those looking for lucrative cash-back rates without an annual fee are great candidates for the Blue Cash Everyday.
“I added this card to my wallet shortly after my first travel card as a way to earn better rewards on U.S. gas and U.S. supermarket purchases. Three percent back on both categories (up to $6,000 per year in purchases, then one percent after) was a great way for me to earn higher cash back on many of my everyday purchases without any added annual fee.” — Jack Markham, senior director
The Blue Cash Preferred Card from American Express offers notably higher cash-back rates at select merchants, so depending on your spending habits, you could come out ahead — even once the card’s $95 annual fee kicks in, $0 intro annual fee for the first year (see rates and fees).
Delta SkyMiles® Reserve American Express Card
The Delta SkyMiles Reserve provides cardholders with complimentary Sky Club access whenever they fly with Delta Airlines in addition to complimentary Centurion Lounge access as well. Effective 2/1/25, Reserve Card Members will receive 15 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Frequent Delta flyers who book travel and make purchases directly with the airline should carry this card in their wallets since it earns 3 miles per dollar spent in this category. Plus, with the SkyMiles Reserve card, your first checked bag is free on Delta flights.
If you enjoy complimentary upgrades, the Delta SkyMiles Reserve card can help you access them. Even if you haven’t achieved Medallion status yet, this credit card adds you to the complimentary upgrade list (after Medallion-status members). You’ll also get a 20% statement credit on eligible inflight purchases when you use your SkyMiles Reserve card.
The Delta SkyMiles® Platinum American Express Card features a lower annual fee of $350 (see rates and fees) and still offers cardholders plenty of perks, including a Global Entry statement credit every four years and 15% savings when using miles to book award travel on Delta flights booked through the airline.
The Business Platinum Card® from American Express
The Amex Business Platinum has a list of perks almost too lengthy to mention — including annual statement credits for various business-related expenses. But the most appealing aspects of the card involve the travel benefits, including automatic hotel elite status and access to the Fine Hotels + Resorts program.
Small-business owners who want to add a bit of luxury to their travels while saving money on some essential purchases would be a great fit for the card.
“I find that the annual perks and credits provide a ton of value. By using the benefits with Priority Pass and Amex lounges, the airline incidental credits, plus the statement credits for Clear Plus, our cellphone plan and restocking my home printer with ink and paper from Dell, I get more value out of the card than it costs to keep it (enrollment is required for select benefits). Plus, it earns my favorite points — American Express Membership Rewards points — earning 5 points per dollar on flights and hotels booked with Amex Travel (on up to $500,000 in purchases each year).” — Ryan Smith, former credit cards writer
If you’re more focused on earning rewards rather than using benefits, consider the American Express® Business Gold Card, which offers 4 points per dollar on your top two spending categories each billing cycle (on up to $150,000 in combined purchases each year, then 1 point per dollar).
American Express® Business Gold Card
Membership Rewards points are incredibly valuable, and the Amex Business Gold card lets small businesses earn a ton of them. You’ll earn 4 points per dollar on the two categories where you spend the most each billing cycle (on up to $150,000 in combined purchases each year, then 1 point per dollar). These points can go a long way toward your next luxury flight redemption.
Any small-business owner with significant spending in the eligible bonus categories — which include U.S. gas stations, U.S. restaurants, select technology providers and certain advertising purchases — can get great value from the Amex Business Gold card.
“No other card provides the earning potential and adaptability this card has. Sure, its $375 annual fee isn’t cheap (see rates and fees), but I love the fact I don’t need to think about what purchases I put on this card. It will automatically adapt and provide 4 points per dollar in my top two spending categories monthly.” — Ryan Smith, former credit cards writer
For a fixed earning rate and no annual fee (see rates and fees), go for the The Blue Business® Plus Credit Card from American Express. You’ll earn 2 Membership Rewards points per dollar spent on all purchases (on up to $50,000 in spending each calendar year, then 1 point per dollar).
The Blue Business® Plus Credit Card from American Express
It’s rare that a card with no annual fee (see rates and fees) awards fully transferable points, but that’s exactly what you’ll get with the Blue Business Plus. These points can be redeemed for travel directly with American Express, but for more value, you can transfer them to an eligible hotel or airline loyalty program.
Small-business owners who don’t want to worry about maximizing bonus categories can earn a ton of Amex points with the Blue Business Plus.
“There are very few no-annual-fee cards that award fully transferable points, but the Amex Blue Business Plus is one of them. Not only that, you'll earn 2 Membership Rewards points for every dollar you spend (on up to $50,000 each year, then 1 point). That's a fantastic return of 4% back based on TPG's valuations, making this a great option for your small-business needs.” — Nick Ewen, director of content
If you don’t want to worry about travel rewards and instead want to plow your earnings back into your small business, go for the American Express Blue Business Cash™ Card — which also incurs no annual fee (see rates and fees) and gives 2% cash back on every purchase (on up to $50,000 in spending each calendar year, then 1% cash back). These rewards are automatically applied to your card balance as a statement credit.
Apply Now for The Platinum Card® from American Express
Maximizing American Express rewards
Leverage Membership Rewards points
Membership Rewards points are the points currency of American Express and are considered some of the most valuable points in the world of points and miles. The best way to maximize the value of your hard-earned Membership Rewards points is through transferring them to any of Amex’s 17 airlines and three hotel transfer partners. Certain redemption options are a better value than others, but transferring to a reward partner is still the best way to maximize your points. Keep an eye out for periodic transfer bonuses to specific partners to get even more out of your points.
Read : How to redeem American Express Membership Rewards for maximum value
Utilize Amex Offers
Redeeming points and miles is not the only way to take advantage of credit cards. One of the best ways to maximize American Express rewards is by taking advantage of Amex Offers. All American Express cards come with access to Amex Offers, and these offers are a variety of savings from various merchants, travel providers and more. Common forms of Amex offers include:
- Spend $X, get Y number of bonus points
- Spend $X, get $Y back
- Get additional points for each dollar you spend at a select merchant
- Get X% back by using the link provided
These offers are targeted for cardholders, which means you should see many great ways to save for your spending.
Combine cards to maximize your rewards
Many American Express cards offer terrific value. However, when you combine two (or more) of them, your rewards can really take off. Maybe you start with the Amex Platinum to utilize its array of travel perks and statement credits. Then, you can add in the Amex Gold for bonus rewards on dining and grocery purchases. You could even look at layering in a business card to make the most of any business-related spending. By carrying more than one Amex card, you ensure you are getting the most Membership Rewards points out of your spending.
Read : The power of the Amex trifecta: Platinum, Gold and Blue Business Plus
How we rate
We rated the best American Express credit cards based on several factors, including reward earning rates, perks and benefits associated with each card and the overall value each card delivers to you, the consumer. To learn about how TPG evaluates and chooses cards for our roundups, check out our methodology here.
Welcome bonusWe included cards that featured solid welcome bonuses with varying minimum spend thresholds to fit different budgets.
Annual feeOur top picks feature varying annual fees to provide a larger range of benefits for cardholders.
Earning ratesWe chose Amex cards that feature popular bonus categories to help you maximize your rewards.
Redemption optionsThe best cards provide you with different types of redemption options, including cash back.
Added benefitsIn addition to earning rates and lucrative welcome bonuses, our top picks also offer travel and insurance perks.
What is American Express?
American Express is a card issuer that offers a number of products and services for customers. It has partnerships with some of the largest travel brands out there — including Delta, Marriott and Hilton — but it also issues cards under its proprietary Membership Rewards umbrella.
Many Amex cards come with fixed credit lines, but others have no preset spending limits — though you must repay the balances in full and on time every month.
Types of American Express credit cards
There are many different kinds of American Express cards, so be sure to carefully consider which one(s) would be the best for you.
Many Amex cards are specifically designed to enhance your travel experience. This includes cobranded cards with Delta SkyMiles, Marriott Bonvoy and Hilton Honors. Beyond earning points or miles with the specific loyalty program, you’ll enjoy an array of benefits when you do business with the program. Depending on the specific card, this can include waived checked bag fees, priority check-in, shortcuts to (or outright) elite status, or annual certificates that can be redeemed for a free night or a companion’s airfare.
American Express issues many cards that earn Membership Rewards points. This is Amex’s own currency, and you can use these points in a variety of ways. This includes booking travel directly with American Express Travel and redeeming them for statement credits, but you also have the ability to transfer your points to partner programs. This is where you often get the best value for your rewards.
For those not interested in travel perks or rewards cards, American Express offers a number of cash-back cards. These typically offer a certain percentage of each transaction back in rewards, so if you want added flexibility (rather than being forced into using your points for travel), one of these cards can be a great fit.
In each of the above categories, you can generally choose between personal and business card products. Many top travel, rewards and cash-back cards from American Express are tailored to small businesses — and in most cases, you can pool your rewards from business cards and personal cards, putting your next redemption even closer.
American Express benefits
American Express cards have long held a reputation for lucrative benefits, though the extent of these perks depends on the card you have.
The American Express Membership Rewards ecosystem is incredibly valuable, and many Amex cards offer bonus points on select purchases. Again, be sure to match up how you spend your money each month with a card that will maximize your earnings on those purchases.
Many of the top American Express cards feature travel benefits like automatic elite status, airline fee credits and access to concierge services. Some of these are easy to put a dollar amount on, but others can be challenging. Evaluate your own situation to determine whether these perks will cover most (or all) of a card’s annual fee.
Every American Express personal and business card is eligible for targeted Amex Offers. These must be activated in your online account ahead of time, but they’ll typically offer things like bonus points or a discount when making a purchase at a select retailer.
We always recommend checking these offers on a regular basis, as you never know when one might appear that applies to you.
Using your American Express card is typically a secure transaction, and the issuer offers $0 fraud liability (as long as you report fraudulent activity in a timely fashion). However, many Amex cards also include an array of shopping protections and travel protections that can cover you if (or when) things go wrong.
Once you select a specific card (or cards), carefully review your benefits guide to ensure you understand exactly what you have.
How to choose the best Amex credit card
The best Amex credit card for you depends on what you want your card to do; are you looking to earn cash back? Do you want transferable reward points? At TPG, we recommend choosing a card that matches your spending habits, including earning rewards in your top spending categories.
Here are some of the main points to consider when choosing an Amex credit card:
1
Sign-up bonus
Go with an Amex that features a decent sign-up bonus — you can use the reward for future travel plans or to pay down a balance if you opt for a cash-back card. Select an option that has an achievable spend threshold and that you’ll earn the currency most valuable to you — whether it’s points, miles or cash back.
2
Annual fee
While some of the Amex cards on our list feature high annual fees, they also offer stellar travel and shopping protections in addition to other benefits like credits in certain categories. We also included no annual fee cards for those who don’t want to worry about paying for a card each year.
3
Bonus categories
The best Amex cards on this list feature several bonus categories, ensuring there’s a good fit for every type of consumer. If you want to earn rewards on grocery store purchases or flights booked through the Amex travel portal, it’s likely that one of our top-rated picks is well-suited to your specific needs.
American Express Membership Rewards: The ultimate guide - The Points Guy
Get the most out of your Amex points by learning how to maximize their value
Or, get pre-qualified offers here
Ask our experts
What's your favorite Amex card — and why?
Apply for American Express® Business Gold Card
American Express® Business Gold Card
New perks and customized rewards
“As a business owner who spends a lot on internet advertising, the Business Gold card is the top point-earning card in my arsenal. $150,000 in spending nets me 600,000 valuable Amex points a year. This card is a no-brainer for anyone who spends on advertising and the other categories.”
Brian KellyFounder and “The Points Guy”
Apply for The Platinum Card® from American Express
The Platinum Card® from American Express
The best card for purchasing cash fares
“As part of my points and miles strategy, I purchase premium-cabin cash fares from time to time. Earning 5 points per dollar on airfare (up to $500k per year) is an outstanding way to rack up Amex Membership Rewards points when booking directly with an airline.”
Danyal AhmedCredit Card Writer
Apply for Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
A great cash-back earner
“I’ve had the Amex Blue Cash Preferred in my wallet for over a decade because it earns me hundreds of dollars in cash back each year for a modest annual fee. Plus, the offers I receive on this card often align with my spending in various categories, making it a no-brainer for me.”
Daisy HernandezCredit Cards Editor
Pros + cons of American Express cards
Pros
- Using American Express cards responsibly can help you build your credit score.
- American Express cards can earn points, miles or cash back on every dollar you spend.
- Many American Express cards offer valuable shopping and travel protections.
- Select American Express cards provide perks like statement credits, elite status and more.
Cons
- Credit cards can encourage overspending.
- Carrying a balance and using your Amex card irresponsibly can damage your credit score.
- The cost of borrowing on Amex cards is higher than traditional loans.
- Having too many card applications can negatively affect your credit score.
- American Express may not be accepted at all merchants.
- American Express typically allows you to only earn a welcome bonus on a card once in your lifetime.
Frequently asked questions
Yes, American Express is a reliable issuer that offers a variety of lucrative cards. This includes a number of great cash-back options as well as many that award Membership Rewards points, which are some of the most valuable transferable points out there.
To start an American Express application, you can click on any of the links in this guide and follow the onscreen prompts. Be prepared with your Social Security number along with all of your contact information.
No, but the issuer has made strides in recent years. In fact, according to the February 2023 Nilson report, Amex is now accepted at 99% of U.S. merchants that take credit cards — putting it nearly even with networks like Visa and Mastercard.
There’s no single threshold to get approved for an American Express card, but most of them require good or excellent credit — which means a score of at least 670. However, even that may not be enough for a premium card like the The Platinum Card® from American Express.
Amex generally limits the number of personal cards you can have to five, though cards without preset spending limits — like The Platinum Card® from American Express and American Express® Gold Card — are typically excluded from this number, as are small-business Amex cards.
However, that’s not a license to apply for new cards with abandon, since American Express will consider your history of opening and closing accounts when deciding on your approval. You can read more information in the Amex section of our guide to credit card application restrictions.
There’s no one “best” American Express card for everyone. If you’re looking for more luxury when traveling, The Platinum Card® from American Express could be a great fit. However, if you just want simple cash-back rewards, you may prefer a product like the Blue Cash Preferred® Card from American Express.
Start by identifying the type of rewards you want — Membership Rewards points, airline miles, hotel points or cash back. Next, consider the types of purchases you make on a regular basis along with other benefits you value highly. Then, pick the card that offers your preferred rewards currency along with sufficiently lucrative benefits and earning rates based on your typical spending habits.
