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American Express is most famous for its travel cards like The Platinum Card® from American Express
and premium “experiential” offerings like concierge service, but it also offers cards with non-travel perks and lower annual fees. Amex is also well-known for its excellent customer service and a wide assortment of airline, hotel, cash back, and general travel cards. 

If you’re looking for the best Amex card for you, here are the ones you should consider.

Compare the best American Express credit cards

The Platinum Card® from American Express


Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

American Express The Platinum Card® from American Express

The Platinum Card® from American Express


Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.

On American Express’s website


Rewards

Earn 5x Membership Rewards® Points for flights booked directly with airlines or with American Express Travel on up to $500,000 per calendar year. Earn 5x Membership Rewards® Points on prepaid hotels booked with American Express Travel. 1 point per dollar on other purchases.


Annual Fee

$695

See Rates and Fees

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Intro offer

100,000 Membership Rewards points after you spend $6,000 in your first 6 months of card membership


Recommended Credit

Good to Excellent


Regular APR

See Pay Over Time APR

Editor’s Rating

4.75/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

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American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. 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. Earn 1X Membership Rewards® Points on all other purchases.

American Express American Express® Gold Card

American Express® Gold Card


Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. 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. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S. 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. Earn 1X Membership Rewards® Points on all other purchases.


Annual Fee

$250

See Rates and Fees

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Intro offer

60,000 points after you spend at least $4,000 in your first 6 months of card membership


Recommended Credit

Good to Excellent


Regular APR

18.99% – 25.99% Variable

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American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


$0 intro for the first year, then $95

Annual Fee

American Express Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


$0 intro for the first year, then $95

Annual Fee


$0 intro for the first year, then $95

Annual Fee

On American Express’s website


Rewards

Earn 6% cash back on purchases at U.S. supermarkets (up to $6,000 per year, then 1%). Earn 6% cash back on select U.S. streaming subscriptions. Earn 3% cash back on transit (including taxis, rideshare, parking, tolls, trains, buses, and more). Earn 3% cash back on gas at U.S. gas stations. Earn 1% cash back on all other purchases.


Annual Fee

$0 intro for the first year, then $95


Intro offer

$250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months from account opening


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.99% Variable


Intro APR

0% intro APR for 12 months on purchases and balance transfers from the date of account opening

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American Express American Express® Green Card

American Express® Green Card


Intro offer

40,000 points after you spend $2,000 on purchases in the first six months of account opening


Rewards

Earn 3x Membership Rewards® Points at restaurants including takeout and delivery in the US. Earn 3x Membership Rewards® Points on transit including trains, buses, ferries, subway, and more. Earn 3x Membership Rewards® Points on travel including airfare, hotels, cruises, tours, car rentals, and more. Earn 3x Membership Rewards® Points on all other purchases

American Express American Express® Green Card

American Express® Green Card


Intro offer

40,000 points after you spend $2,000 on purchases in the first six months of account opening


Rewards

Earn 3x Membership Rewards® Points at restaurants including takeout and delivery in the US. Earn 3x Membership Rewards® Points on transit including trains, buses, ferries, subway, and more. Earn 3x Membership Rewards® Points on travel including airfare, hotels, cruises, tours, car rentals, and more. Earn 3x Membership Rewards® Points on all other purchases

On American Express’s website


Rewards

Earn 3x Membership Rewards® Points at restaurants including takeout and delivery in the US. Earn 3x Membership Rewards® Points on transit including trains, buses, ferries, subway, and more. Earn 3x Membership Rewards® Points on travel including airfare, hotels, cruises, tours, car rentals, and more. Earn 3x Membership Rewards® Points on all other purchases


Intro offer

40,000 points after you spend $2,000 on purchases in the first six months of account opening


Regular APR

See Rates & Fees

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American Express Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card


Intro offer

15,000 points after you spend $2,000 on purchases in the first three months of account opening


Rewards

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.

American Express Amex EveryDay® Preferred Credit Card

Amex EveryDay® Preferred Credit Card


Intro offer

15,000 points after you spend $2,000 on purchases in the first three months of account opening


Rewards

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 3x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 2x Membership Rewards® Points at U.S. gas stations. Earn 1X Membership Rewards® Points on all other purchases.


Intro offer

15,000 points after you spend $2,000 on purchases in the first three months of account opening


Recommended Credit

Excellent


Regular APR

14.49% – 24.49% Variable


Intro APR

0% intro APR on purchases for 12 months from the date of account opening

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American Express Amex EveryDay® Credit Card from American Express

Amex EveryDay® Credit Card from American Express


Intro offer

10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.


Rewards

Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.

American Express Amex EveryDay® Credit Card from American Express

Amex EveryDay® Credit Card from American Express


Intro offer

10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.


Rewards

Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 2x Membership Rewards® Points at U.S. supermarkets (on up to $6,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.


Intro offer

10,000 Membership Rewards® Points when you spend $1,000 in the first 3 months.


Regular APR

12.99% to 23.99%


Intro APR

0% intro APR on purchases and balance transfers for 15 months from the date of account opening

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American Express Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express


Intro offer

$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months


Rewards

Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.

American Express Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express


Intro offer

$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months


Rewards

Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.

On American Express’s website


Rewards

Earn 3% cash back at U.S. supermarkets, online retail purchases, and at U.S. gas stations (on up to $6,000 in each category per year in purchases, then 1% cash back). Earn 1% cash back on all other purchases.


Intro offer

$200 statement credit after you spend $2,000 in purchases on your new card within the first 6 months


Recommended Credit

Good to Excellent


Regular APR

16.99% – 27.99% Variable


Intro APR

0% intro APR on purchases and balance transfers for 15 months from account opening

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American Express The Business Platinum Card® from American Express

The Business Platinum Card® from American Express


Intro offer

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership


Rewards

Get 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 eligible purchases 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.

American Express The Business Platinum Card® from American Express

The Business Platinum Card® from American Express


Intro offer

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership


Rewards

Get 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 eligible purchases 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.

On American Express’s website


Rewards

Get 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 eligible purchases 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.


Intro offer

120,000 Membership Rewards® points after spending $15,000 on eligible purchases with your card within the first 3 months of card membership


Recommended Credit

Good to Excellent


Regular APR

17.24% – 25.24% Variable

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American Express American Express® Business Gold Card

American Express® Business Gold Card


Intro offer

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership


Rewards

Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.

American Express American Express® Business Gold Card

American Express® Business Gold Card


Intro offer

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership


Rewards

Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 4x Membership Rewards® Points on the top 2 business categories where your business spent the most each billing cycle. Earn 1X Membership Rewards® Points on all other purchases.


Intro offer

70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership


Recommended Credit

Good to Excellent


Regular APR

17.24% – 25.24% Variable

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American Express The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express


Intro offer

15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership


Rewards

Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.

American Express The Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express


Intro offer

15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership


Rewards

Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.

On American Express’s website


Rewards

Earn 2x Membership Rewards® Points on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1X). Earn 1X Membership Rewards® Points on all other purchases.


Intro offer

15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the card within your first 3 months of card membership


Recommended Credit

Good to Excellent


Regular APR

16.24% – 24.24% Variable


Intro APR

0% intro APR on purchases for the first 12 months from account opening

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American Express American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.

American Express American Express Blue Business Cash™ Card

American Express Blue Business Cash™ Card


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.

On American Express’s website


Rewards

Earn 2% cash back on everyday eligible business purchases (on up to $50,000 per year in purchases, then 1%). Earn 1% cash back on all other purchases.


Intro offer

$250 statement credit after you spend $3,000 in purchases on your card in your first 3 months


Recommended Credit

Good to Excellent


Regular APR

16.24% – 24.24% Variable


Intro APR

0% intro APR on purchases for 12 months from account opening

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American Express Hilton Honors American Express Card

Hilton Honors American Express Card


Intro offer

100,000 bonus points after spending $1,000 in purchases on the card in the first 3 months of card membership plus up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership (offer expires 10/26/22)


Rewards

Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.

American Express Hilton Honors American Express Card

Hilton Honors American Express Card


Intro offer

100,000 bonus points after spending $1,000 in purchases on the card in the first 3 months of card membership plus up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership (offer expires 10/26/22)


Rewards

Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.

On American Express’s website


Rewards

Earn 7x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 5x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 5x Points on groceries at U.S. supermarkets. Earn 5x on gas at U.S. gas stations. Earn 3X Points on all other purchases.


Intro offer

100,000 bonus points after spending $1,000 in purchases on the card in the first 3 months of card membership plus up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership (offer expires 10/26/22)


Recommended Credit

Good to Excellent


Regular APR

18.74% – 27.74% Variable

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American Express Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card


Intro offer

150,000 points after you spend at least $4,000 in your first 3 months of account opening


Rewards

Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

American Express Hilton Honors American Express Aspire Card

Hilton Honors American Express Aspire Card


Intro offer

150,000 points after you spend at least $4,000 in your first 3 months of account opening


Rewards

Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.

On American Express’s website


Rewards

Earn 14x Points on hotels & resorts at eligible purchases at hotels and resorts in the Hilton portfolio. Earn 7x Points on select travel including flights booked directly with airlines or AmexTravel.com and car rentals booked directly with select car rental companies. Earn 7x Points on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 3X Points on all other purchases.


Intro offer

150,000 points after you spend at least $4,000 in your first 3 months of account opening


Recommended Credit

Good to Excellent


Regular APR

15.74% to 24.74% variable APR on purchases

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American Express Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card


Intro offer

65,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22)


Rewards

Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases


$0 intro for the first year, then $99

Annual Fee

American Express Delta SkyMiles® Gold American Express Card

Delta SkyMiles® Gold American Express Card


Intro offer

65,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22)


Rewards

Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases


$0 intro for the first year, then $99

Annual Fee


$0 intro for the first year, then $99

Annual Fee

On American Express’s website

This card is a great pick for frequent and occasional Delta flyers who want elite-like perks without paying an exorbitant annual fee. Cardholders receive a free checked bag, priority boarding, and inflight discounts on Delta flights, but if you’re looking for upscale benefits like airport lounge access, you’ll want to look at Delta’s premium cards instead.


Rewards

Earn 2x Miles on dining at restaurants worldwide, and for takeout and delivery in the U.S. Earn 2x Miles on groceries at U.S supermarkets. Earn 2x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases


Annual Fee

$0 intro for the first year, then $99


Intro offer

65,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22)


Recommended Credit

Good to Excellent


Regular APR

18.74%-27.74% Variable

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American Express Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card


Intro offer

95,000 bonus miles after you spend $6,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22)


Rewards

Earn 3x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.

American Express Delta SkyMiles® Reserve American Express Card

Delta SkyMiles® Reserve American Express Card


Intro offer

95,000 bonus miles after you spend $6,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22)


Rewards

Earn 3x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.

On American Express’s website


Rewards

Earn 3x Miles on Delta purchases made directly with Delta. Earn 1X Miles on all other purchases.


Intro offer

95,000 bonus miles after you spend $6,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22)


Recommended Credit

Good to Excellent


Regular APR

18.74% – 27.74% Variable

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American Express Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card


Intro offer

150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months


Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

American Express Marriott Bonvoy Brilliant™ American Express® Card

Marriott Bonvoy Brilliant™ American Express® Card


Intro offer

150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months


Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.

On American Express’s website


Rewards

Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program. Earn 3 points at Worldwide Restaurants and on flights booked directly with airlines. Earn 2 points on all other eligible purchases.


Intro offer

150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months


Recommended Credit

Good to Excellent


Regular APR

18.74% – 27.74% Variable

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The best American Express credit card reviews

Best Amex card for frequent travelers: Amex Platinum

At $695, the Platinum Card has one of the highest annual fees of any mainstream card. However, as long as you’re willing to float it up front, you can get way more value back from the card — for instance, it’s possible to get more than $2,000 in value from it during your first year.

The Platinum Card offers 5 points per dollar spent on flights booked directly with the airline, as well as flights and pre-paid hotels booked through Amex Travel (starting January 1, 2021, earn 5x points on up to $500,000 on these purchases per calendar year). It earns 1 point per dollar on everything else. 

The card comes with a long list of perks, including access to more than 1,300 airport lounges within the Priority Pass** network, as well as Delta Sky Clubs (when you’re flying Delta) and proprietary American Express Centurion Lounges. It also offers complimentary Gold elite status with Marriott and Hilton hotels**, as well as up to $100 per year in shopping credits at Saks Fifth Avenue**, up to $200 in Uber credits** each cardmember year, and access to special events. The Chase Sapphire Reserve® is another very popular premium credit card, so you may want to compare the Amex Platinum and the Chase Sapphire Reserve before making a final decision.

Read more about the Amex Platinum card:

Best for dining rewards: Amex Gold 

The Amex Gold Card is one of the best cards available for dining, unless you’re only interested in cash back, rather than potentially more valuable rewards points.

The Amex Gold Card earns 4 points per dollar at restaurants and on up to $25,000 per calendar year at US supermarkets (and 1 point per dollar after that), 3 points per dollar on flights booked directly with the airline, and 1 point per dollar on everything else. Based on the fact that you can easily redeem Membership Rewards points for more than 1 cent of value each, that makes this the highest-earning card for everything food-related.

Here’s another reason to consider the Amex Gold card: It adds up to $120 of dining credits** — split into up to $10 each month — at Grubhub, Seamless, The Cheesecake Factory, Milk Bar, Wine.com, Goldbelly, or participating Shake Shack locations. It also offers up to $120 Uber Cash (up to $10 per month credits) each calendar year (this is only applicable to US Eats orders and Rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

Read more about the Amex Gold Card:

Best for cash back: Amex Blue Cash Preferred

If you’re less excited about earning Membership Rewards points — which can be valuable, but also require some effort to redeem for maximum value — and want to stick with cash back, the Blue Cash Preferred® Card from American Express is the best option, even with an annual fee of $0 intro for the first year, then $95.

You’ll earn 6% cash back on select U.S. streaming services and 3% back on all transit. That’s in addition to 6% cash back at U.S. supermarkets on up to $6,000 in purchases per calendar year (and 1% after that), 3% back at U.S. gas stations, and 1% cash back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).

The Blue Cash Preferred® Card from American Express offers a 0% intro APR for 12 months on purchases and balance transfers from the date of account opening, before switching to a 16.99% – 27.99% Variable. 

The Blue Cash Preferred® Card from American Express comes with a handful of travel and purchase protections as well. Cash back comes in the form of a statement credit, so effectively you can use it to “erase” purchases.

Read more about the American Express Blue Cash Preferred card:

Best for bonus points on travel: Amex Green Card

The Amex Green Card has become a top option for earning Membership Rewards points on travel and dining. 

You’ll earn 3 points per dollar on all eligible travel, which includes everything from subway fares to hotels to flights. You’ll also earn 3 points per dollar at restaurants worldwide. In terms of points-earning, this puts the Amex Green Card on par with the Chase Sapphire Reserve®, which also offers 3 points per dollar in these spending categories (when purchases are not made through Chase Ultimate Rewards®).

Other benefits include up to $100 in statement credits toward CLEAR® membership each year**, and up to $100 in statement credits per year toward LoungeBuddy purchases** (for airport lounge access).

The Amex Green card has a $150 annual fee, but that’s relatively moderate, especially if you can take advantage of those two annual statement credits.

Read more about the American Express Green Card:

Great bonus categories for families: Amex EveryDay Preferred

The Amex EveryDay® Preferred Credit Card is a strong option for anyone looking for a Membership Rewards card, but who’s not interested in a premium card like the Platinum or the Amex Gold. It also has a strong points-earning scheme and a lower annual fee of $95.

The card earns 3 points per dollar spent at US supermarkets (up to $6,000 each calendar year — 1 point per dollar after that), 2 points per dollar at US gas stations, and 1 point per dollar on everything else. You can also get 2 points per dollar on reservations made through Amex Travel.

Best of all, if you make 30 or more purchases in a billing period, you’ll earn a 50% bonus. That means that those little $3 and $4 charges for things like coffee or a snack can help you get a ton of points quickly.

The card also offers a 0% intro APR on purchases for 12 months from the date of account opening, before switching to a 14.49% – 24.49% Variable APR. If you have a big purchase coming up and want some time to pay it off, but don’t want to pay interest fees, this is a great option.

Read more about the Amex EveryDay Preferred card:

Best with no annual fee: Amex EveryDay Credit Card

The Amex EveryDay® Credit Card from American Express
is a no-annual-fee version , which still offers solid rewards. It earns 2 points per dollar at US supermarkets (again, up to $6,000 of purchases per calendar year, then 1 point per dollar after that) and at AmexTravel.com, and 1 point per dollar on everything else. It also offers 20% more points when you make 20 or more purchases in a billing period.

Like most Amex cards, it features a few travel and purchase protections, as well as access to the Amex Offers program.

While most people will be better off with the Preferred, the regular EveryDay is still a strong option — especially since there’s no annual fee.

Read more about the Amex Everyday card:

Best card with an intro APR offer: Amex Blue Cash Everyday

The Blue Cash Everyday® Card from American Express is similar to the Blue Cash Preferred® Card from American Express, with a different earning structure and no annual fee.

The card earns a lower 3% cash back at U.S. supermarkets on up to $6,000 each calendar year (then 1%), 3% back at U.S. gas stations on up to $6,000 each calendar year (then 1%), 3% back on online retail purchases on up to $6,000 each calendar year (then 1%), and 1% cash back on everything else (cash back is received in the form of Reward Dollars that can be redeemed as statement credits). While many people spend enough in the bonus categories to make the Blue Cash Preferred the better option, this remains a decent card for anyone who’s strictly opposed to paying an annual fee.

If you’re looking to make a major purchase and pay it off over time, like an appliance or an engagement ring, you can take advantage of the 0% intro APR on purchases and balance transfers for 15 months from account opening (after that, it reverts to a 16.99% – 27.99% Variable APR). You’ll earn cash back on the purchase, which you can put right towards paying it off.

Read more about the American Express Blue Cash Everyday card:

Best business card for travelers: Amex Business Platinum

The Amex Business Platinum Card is Amex’s top-of-the-line business card, and it has many of the same perks you’ll find on the personal Platinum Card, including up to $200 in airline fee credits each year for checked baggage fees, lounge day passes, and more at one selected airline**, access to airport lounges including Centurion Lounges and Priority Pass lounges**, up to a $100 credit to cover the application fee for Global Entry or TSA PreCheck**, and up to $189 back per year on CLEAR® memberships.

It also offers several benefits that cater to business owners, such as a 1.5 points per dollar on purchases of $5,000 or more — and 1.5 points per dollar in select categories (up to $2 million per calendar year).

The card also comes with up to $1,000 in annual statement credits on business purchases at Dell Technologies, Indeed, Adobe and U.S. wireless service providers each calendar year.**

If you use Amex points to book travel, you’ll appreciate the 35% Pay With Points rebate, which applies to business- and first-class flights or flights in any class with a selected qualifying airline booked through Amex Travel.  You can get up to 500,000 points back in a calendar year.

The personal Platinum Card has the advantage when it comes to travel bonus categories — it earns 5x points on flights booked directly with the airline or through Amex Travel, while the Business Platinum only earns 5x points on flights and prepaid hotels booked with Amex Travel. 

Read more about the Amex Business Platinum:

Best business card for big spenders: Amex Business Gold

Small-business owners who spend a lot on typical business expenses should have a close look at the American Express® Business Gold Card
. It earns 4x American Express Membership Rewards points on the two categories (from a list) where your business spends the most each billing cycle, up to $150,000 per calendar year (then 1x), and 1 point per dollar on all other purchases.

The list of 4x categories is quite broad:

  • Airfare purchased directly from airlines
  • US gas stations
  • US restaurants (including takeout and delivery)
  • US shipping providers
  • US computer hardware, software, and cloud systems from select technology providers
  • US purchases for advertising in select media (online, TV, radio)

The card currently offers a big welcome bonus: 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases within the first 3 months of card membership. That’s worth $1,260 based on Insider’s valuations, and the card also comes with good travel and shopping benefits. These include a 25% points rebate on first- and business-class flights (or economy flights on your selected airline) booked through Amex Travel, which is a great deal if you like redeeming points for airfare.

There’s a $295 annual fee, but it could be well worth paying if you can take advantage of the card’s bonus categories and perks.

Read more about the American Express Business Gold:

Best business card for earning maximum points: Amex Blue Business Plus

The Blue Business® Plus Credit Card from American Express earns 2 points per dollar on the first $50,000 you spend each year (then 1 point per dollar). Up until that $50,000 threshold, you’re effectively earning a 3.6% return on all your purchases, based on Insider’s points and miles valuations.

Another bonus is that The Blue Business® Plus Credit Card from American Express has no annual fee. Just remember that it is a small-business credit card, so if you don’t have a side gig or a small enterprise that would qualify you for a business card, you won’t be eligible.

Cardholders also qualify for a 0% intro APR on purchases for the first 12 months from account opening, followed by a 16.24% – 24.24% Variable APR. This makes the card a good choice if your business has larger purchases coming up that you want to pay for over time. 

Read more about the Blue Business Plus card:

Best business card for cash back: Amex Blue Business Cash

If you like the idea of a no-annual-fee business card and prefer earning cash back, the American Express Blue Business Cash™ Card is a great option. Cardholders earn 2% cash back on all eligible purchases, on the first $50,000 spent per calendar year, then 1% back (cash back is received in the form of Reward Dollars that can be redeemed as statement credits).

The card doesn’t always offer a welcome bonus, but right now you can earn $250 statement credit after you spend $3,000 in purchases on your card in your first 3 months. There’s also a 0% intro APR on purchases for 12 months from account opening (then a 16.24% – 24.24% Variable APR), so if you’re planning to make big purchases after opening the card, you can get a bit of breathing room by taking advantage of this offer.

Read more about the Amex Blue Business Cash:

Best for occasional Hilton travelers: Hilton Honors Credit Card

Amex issues four co-branded Hilton credit cards, and the best option for occasional travelers is the Hilton Honors American Express Card with a $0 annual fee.

The card has a welcome bonus offer of 100,000 bonus points after spending $1,000 in purchases on the card in the first 3 months of card membership plus up to $100 in statement credits on eligible purchases made on the card at any of the Hilton family hotels in the first 12 months of membership (offer expires 10/26/22). The points alone are worth $500 based on Insider’s valuations. It also comes with perks that include automatic Silver elite status, which qualifies you for the fifth night free on standard award bookings of five or more nights.

Using this card for everyday spending can earn you lots of Hilton points quickly. Cardholders earn 5 points per dollar spent on eligible purchases at US restaurants, US supermarkets, and US gas stations, and 3 points per dollar spent on all other eligible purchases.

If you don’t mind paying an annual fee, be sure to check out the Hilton Honors American Express Surpass® Card
card as well. It has a higher welcome bonus offer and earns more points on spending, and comes with more benefits, including Hilton Gold elite status, a free weekend night certificate after you spend $15,000 on eligible purchases in a calendar year, and Priority Pass Select airport lounge membership** with 10 free visits per year. There’s a $0 intro annual fee for the first year, then $95 (offer ends 10/26/22). Here’s our Hilton Surpass review for more details.

Read more about the Hilton Honors Amex card:

Best for frequent Hilton travelers: Hilton Aspire

With a $450 annual fee, the Hilton Honors American Express Aspire Card
isn’t for the casual Hilton traveler. But if you can make the most of the card’s incredibly generous benefits, it could prove to be the most valuable card in your wallet.

Cardholders start with a welcome bonus offer of 150,000 points after you spend at least $4,000 in your first 3 months of account opening, worth $750 based on Insider’s valuations. New cardholders also receive a free weekend night certificate after account opening, valid at just about any Hilton hotel in the world.

Where the card really shines is through the excellent perks you’ll get, including:

  • Hilton Diamond elite status (the highest tier)
  • Free weekend night certificate each year on your card anniversary
  • Another free weekend night certificate after you spend a total of $60,000 on eligible purchases in a calendar year
  • Priority Pass Select airport lounge membership 
  • Up to $250 in airline incidental fee credits per calendar year**
  • Up to $250 in Hilton resort credits each cardmember year
  • Up to $100 in on-property credits for minimum stays of two nights at participating Waldorf Astoria and Conrad properties

This card also offers the highest earning rates of any Hilton card, with 14 points per dollar spent on eligible purchases at Hilton hotels, 7 points per eligible dollar spent on flights booked directly with airlines or Amex Travel, on car rentals booked directly with select car rental companies, and at eligible US restaurants, and 3 points per dollar on all other eligible purchases.

Read more about the Amex Hilton Aspire card:

Best for Delta flyers: Delta Gold Card

Delta flyers have a whopping seven co-branded Delta SkyMiles credit cards to choose from, ranging from the no-annual-fee Delta SkyMiles® Blue American Express Card to the luxury Delta SkyMiles® Reserve American Express Card.

For the average traveler who flies Delta a few times a year, the Delta SkyMiles® Gold American Express Card is our top pick. For a moderate $0 intro for the first year, then $99 annual fee, cardholders receive elite-like perks that include a free checked bag on Delta flights for themselves and up to eight companions on the same reservation. You’ll also get priority boarding and 20% off inflight purchases as a statement credit on Delta flights, and a $100 flight credit when you spend $10,000 or more in a calendar year.

There’s currently a welcome bonus offer of 65,000 bonus miles after you spend $2,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22) (worth $715 according to Insider’s valuations). Cardholders also get decent travel and shopping benefits, including car rental insurance, baggage insurance, purchase protection, and extended warranty.

Read more about the Amex Delta Gold card:

Best premium card for Delta flyers: Delta Reserve Card

If you fly Delta on a regular basis, especially if you travel through airports that have Delta Sky Club airport lounges, the Delta SkyMiles® Reserve American Express Card could end up saving you a lot of money along with making your travels more comfortable.

The card’s standout feature is Delta Sky Club and Amex Centurion airport lounge access when you fly Delta, and if you make the most of this benefit, it could be well worth paying the $550 annual fee.

You’ll also receive a slew of other perks, including a free first checked bag and priority boarding on Delta flights, an annual Delta companion certificate, 15,000 Medallion® Qualification Miles (MQMs) after you spend $30,000 in purchases on your card in a calendar year (up to four times), access to complimentary upgrades and upgrade priority, and a Global Entry or TSA PreCheck application fee credit after you apply through any authorized enrollment provider. 

The Delta SkyMiles® Reserve American Express Card currently comes with a welcome bonus offer of 95,000 bonus miles after you spend $6,000 in purchases on your new card in your first 6 months from account opening (offer ends 11/9/22). That’s worth around $1,045 in flights, according to Insider’s valuations.

Read more about the Amex Delta Reserve:

Best luxury card for Marriott: Marriott Bonvoy Brilliant

American Express and Chase both issue Marriott Bonvoy credit cards, and Amex’s versions — Marriott Bonvoy Brilliant™ American Express® Card, Marriott Bonvoy Bevy™ American Express® Card, and Marriott Bonvoy Business® American Express® Card — are excellent picks if you stay with Marriott on a regular basis.

The Marriott Bonvoy Brilliant™ American Express® Card is the most rewarding of the bunch, and it’s best suited to Marriott loyalists who can use its excellent range of benefits. It’s got a $650 annual fee, so it’s not for infrequent travelers — but if you can maximize its perks, you can get tremendous value from the card.

Cardholders receive perks at Marriott and for general travel as well, including:

  • Up to $300 in statement credits per calendar year (up to $25 per month) for eligible purchases at restaurants worldwide
  • Automatic Marriott Bonvoy Platinum elite status
  • Annual free night award (valid at participating Marriott Bonvoy properties that cost up to 85,000 points)
  • 25 elite night credits each calendar year
  • Priority Pass Select airport lounge membership**
  • Global Entry or TSA PreCheck® application fee credit

The card currently has a welcome bonus offer of 150,000 Marriott Bonvoy® bonus points after you use your new card to make $5,000 in purchases on the card within the first 3 months. In addition, cardholders earn 6x bonus points on eligible purchases at hotels participating in the Marriott Bonvoy® program (on top of the points normally earned from a stay), 3x points at restaurants worldwide and on flights booked directly with the airline, and 2x points on all other purchases.

Read more about the Marriott Bonvoy Brilliant card:

How we chose the best Amex cards

We only considered Amex-branded cards (not co-branded airline and hotel cards) that are currently available to new applicants and looked at several factors:

  • Simplicity — Does the card offer an easy-to-use rewards program and redemption options? Are there any restrictions to navigate?
  • Earning potential — Are there generous spending categories or a strong rewards rate across all purchases, and is there a welcome bonus offer?
  • Annual fee — No-annual-fee cards are appealing, but if the card charges an annual fee, does it offer benefits that justify the cost?
  • Options for different types of consumers — We made sure to include cards that are geared to various users, from cards with a 0% APR offer to travel points and cash-back cards.

Amex cards also offer various benefits like travel insurance and purchase protection. Additionally, all American Express cardholders get access to Amex Offers** that can earn you bonus points or get cash back when you shop with certain retailers.

Before you decide on an American Express card, be sure to consider what you want to do with your rewards, as well as your spending habits — some cards offer bonus rewards in popular categories, so those might be a better choice if they fit your typical purchases.

American Express credit card frequently asked questions (FAQ)

You can have up to five Amex credit cards at one time, including both personal and business cards.

This figure does not include the cards with which there isn’t a fixed credit limit, however. Cards like The Platinum Card® from American Express and American Express® Gold Card will not count against this five-card limit.

The Amex Black Card, or more formally, the Centurion® Card from American Express, is by invitation only. There is no application page (though you can request an invite). Because there are no public application pages, we don’t consider it to be one of the best Amex cards.

This card comes with a $10,000 initiation fee and an annual fee of $5,000. There appear to be no predetermined qualifications for this card, but it’s generally believed that customers must spend several hundred thousand dollars per year on their credit card before Amex sends an invite.

American Express does issue debit cards through the American Express Serve family of cards. With these prepaid debit cards, you can effectively deposit money onto your card and use it as a checking account of sorts. These cards do not require a credit inquiry to open, though they do come with nominal monthly fees.

Many American Express cards are made of metal — primarily those with higher annual fees. The Amex Platinum and Amex Business Platinum are the heaviest and most impressive. Other cards, even co-branded credit cards, also contain metal in between two sheets of plastic. 

The security code on Amex credit cards is a four-digit number located on the front of your card on the right-hand side. Amex cards still come with a three-digit code on the back (similar to other card issuers), but you’ll rarely need that.

American Express doesn’t currently offer secured credit cards. However, many other banks do — you can find the top secured options in our guide to the best credit cards for bad credit.



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