American Express Credit Cards

American Express Credit Cards

Known for outstanding customer service and major rewards, our partner American Express has a card for everyone. Check out the Blue Cash PreferredĀ® card for everyday spending, or the Premier Rewards Gold card for a more luxury experience. AMEX has different credit cards depending on your spending needs. See the best credit card offers from American Express below.

See the best credit card offers from American Express below.

Blue Cash Everyday® Card from American Express

Apply Now Credit Needed
Excellent, Good
  • $150 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
14.49%-25.49% Variable
Annual Fee
$0
Credit Needed
Excellent, Good
See Rates & Fees

The Amex EveryDay® Credit Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 10,000 Membership Rewards® points after you use your new Card to make $1,000 in purchases in your first 3 months.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • $0 balance transfer fee. Balance transfers must be requested within 60 days from account opening.
  • 2x points at US supermarkets, on up to $6,000 per year in purchases (then 1x); 1x points on other purchases.
  • Use your Card 20 or more times on purchases in a billing period and earn 20% more points on those purchases less returns and credits.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • No annual fee.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on purchases for 15 months
Balance Transfers Intro APR
0% on balance transfers for 15 months
Regular APR
14.49%-25.49% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

The Platinum Card® from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 60,000 Membership Rewards® points after you use your new Card to make $5,000 in purchases in your first 3 months.
  • Up to $200 for Uber rides annually. Credit and Uber VIP status available to Basic Card Member only.
  • 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
  • 5X Membership Rewards® points on eligible hotels booked on amextravel.com.
  • As a Platinum Card Member, you can enjoy access to the Global Lounge Collection, the only credit card airport lounge access program that includes proprietary lounge locations around the world.
  • Receive complimentary benefits with an average total value of $550 with Fine Hotels & Resorts. Learn More.
  • $200 Airline Fee Credit, up to $200 per calendar year in baggage fees and more at one qualifying airline.
  • $550 annual fee.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$550
Credit Needed
Excellent/Good
See Rates & Fees

Blue Cash Preferred® Card from American Express

Apply Now Credit Needed
Excellent,Good
  • $200 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 14.49% to 25.49%.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 12 months
Balance Transfers Intro APR
0% on Balance Transfers for 12 months
Regular APR
14.49%-25.49% Variable
Annual Fee
$95
Credit Needed
Excellent,Good
See Rates & Fees

Premier Rewards Gold Card from American Express

Apply Now Credit Needed
Excellent/Good
  • Earn 25,000 Membership Rewards® Points after you use your new Card to make $2,000 in purchases within the first 3 months.
  • 3X points for flights booked directly with airlines. 2X points at US restaurants, US gas stations, and at US supermarkets. 1X points on other purchases.
  • No Foreign Transaction Fees.
  • $100 Airline Fee Credit. Up to $100 per calendar year for baggage fees and more at one qualifying airline.
  • Get a $75 hotel credit on qualifying charges, plus a room upgrade upon arrival, when available with The Hotel Collection at americanexpress.com/hc.
  • Over 1.5 million more places in the U.S. started accepting American Express® Cards in 2017.
  • $0 Intro Annual Fee for the 1st year, then $195.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
Introductory annual fee of $0 for the first year, then $195.
Credit Needed
Excellent/Good
See Rates & Fees

The Blue Business℠ Plus Credit Card from American Express

Apply Now Credit Needed
Excellent, Good
  • Get rewarded for business as usual. Earn 2X 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.
  • Enjoy the flexibility to put more purchases on the Card and earn rewards when you buy above your credit limit*.
  • More buying power for your business* means more opportunities to earn points. That's everyday business with the new Blue Business Plus Card.
  • *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.
  • 0.0% intro APR on purchases and balance transfers for 15 months, then a variable rate, currently 12.74%, 16.74% or 20.74%, based on your creditworthiness and other factors as determined at the time of account opening.
  • No Annual Fee
  • Terms Apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
0% on Balance Transfers for 15 months
Regular APR
12.74% - 20.74% Variable
Annual Fee
No annual fee
Credit Needed
Excellent, Good
See Rates & Fees

The Business Gold Rewards Card from American Express OPEN

Apply Now Credit Needed
Excellent Credit
  • Welcome Offer: Earn 50,000 Membership Rewards® points after you spend $5,000 in purchases on the Card within your first 3 months of Card Membership
  • Get 3x points - Choose 1 out of 5 categories
  • Plus, 2X points on the 4 remaining categories and 1X points on other purchases
  • 3X and 2X apply to the first $100,000 in purchases in each of the 5 categories per year, 1X point per dollar thereafter
  • Track, organize, and stay on top of your business expenses with powerful expense-tracking tools
  • No foreign transaction fees
  • $0 introductory annual fee for the first year, then $175
  • Terms and limitations apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
N/A
Annual Fee
$0 introductory annual fee for the first year, then $175
Credit Needed
Excellent Credit
See Rates & Fees

Platinum Delta SkyMiles® Business Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Earn 35,000 bonus miles and 5,000 Medallion® Qualification Miles (MQMs) after you spend $1,000 in purchases on your new Card in your first 3 months.
  • Earn a $100 statement credit after you make a Delta purchase with your new Card within your first 3 months.
  • Check your first bag for free and save up to $50 on a round trip Delta flight.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy 20% savings on eligible in-flight purchases in the form of a statement credit with the American Express Delta Card.
  • Earn 2 Miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases. Miles don't expire.
  • No Foreign Transaction Fees.
  • Terms and limitations apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
16.74% - 20.74% Variable
Annual Fee
$195
Credit Needed
Excellent Credit
See Rates & Fees

SimplyCash® Plus Business Credit Card from American Express

Apply Now Credit Needed
Excellent Credit
  • Special offer: save on interest with a 0% intro APR on purchases for 15 months; after that your APR will be a variable rate, currently 13.74% - 20.74%
  • No annual fee
  • Reinvest in your business with automatic cash back in the form of a monthly statement credit. Plus take control by choosing the 3% category that best fits your business
  • Earn 5% cash back on the first $50,000 spent at wireless telephone services purchased directly from U.S. service providers and U.S. office supply stores.
  • Earn 3% cash back on the first $50,000 spent in the category of your choice from a list of eight and 1% cash back on other purchases
  • With Expanded Buying Power you can spend beyond your credit limit* to make bigger purchases for your business plus earn cash back on those purchases too
  • *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
  • Terms apply
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
0% on Purchases for 15 months
Balance Transfers Intro APR
N/A
Regular APR
13.74% - 20.74% Variable
Annual Fee
$0
Credit Needed
Excellent Credit
See Rates & Fees

Hilton Honors Ascend Card from American Express

Apply Now Credit Needed
Good, Excellent
  • Limited Time Offer: Earn 100,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card within your first 3 months of Card Membership.
  • Plus, earn a free weekend night award after your first anniversary of Card Membership. Offer ends 06/27/2018.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.
Apply Now at American Express's
secure site
Terms Apply
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24%-26.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
See Rates & Fees

Comparing American Express Credit Card Offers

American Express offers some of the most exclusive credit and charge cards, with excellent benefits and superior rewards to boot. With partnerships with such brands as Delta and Hilton, there are a host of products to choose from.

With Amex's superior products and customer satisfaction, there are plenty of good reasons to look into these cards further. Here, we look at:


Editor Ratings: Best American Express Credit Cards of 2018

Credit CardBest For:CreditCards.com Rating
Blue Cash Everyday® Card from American ExpressCash back with no annual fee3.3 / 5
The Amex EveryDay® Credit Card from American ExpressBalance transfers3.7 / 5
The Platinum Card® from American ExpressLuxury travel perks2.8 / 5
Blue Cash Preferred® Card from American ExpressHigh cash back rates4.1 / 5
Premier Rewards Gold Card from American ExpressCharge cards3.3 / 5
The Blue BusinessSM Plus Credit Card from American ExpressBusiness rewards with no annual fee4.4 / 5
The Business Gold Rewards Card from American Express OPENChoice of business reward categories3.8 / 5
Platinum Delta SkyMiles® Business Credit Card from American ExpressFrequent flyers4.4 / 5
SimplyCash® Plus Business Credit Card from American ExpressSaving interest on business expensesN/A
Hilton Honors Ascend Card from American ExpressHilton hotel stays4.3 / 5

Details on the best cards

Whether you are in the market for a business card, a travel card or an everyday card, American Express likely has one for you. Here are the best Amex cards and what they have to offer.

Blue Cash Everyday Card from American Express

For the small family that doesn't want to be saddled with an annual fee, the Blue Cash Everyday delivers 3% back at U.S. supermarkets and 2% back at U.S. gas stations and select U.S. department stores. Terms apply. There's also a $150 introductory bonus after you spend $1,000 within the first 3 months of card membership.

The Amex Everyday Credit Card from American Express

This card is ideal for the consumer who is ready to make it her go-to card. That's because you get 20% more points back (minus returns and credits) when you use your card 20 times or more on purchases in a billing period. Whether a pack of gum or a Starbucks latte, rewards for those little everyday purchases add up.

With no annual fee, you also earn 10,000 points when you spend $1,000 within the first 3 months of card membership. Also enjoy 0% intro APR for 15 months on purchases and balance transfers (then 14.49% - 25.49% variable), with the ever-elusive no balance transfer fee (within 60 days of account opening). Terms apply.

The Platinum Card from American Express

If you travel often but don't love it, this card offers a host of travel features, including a $200 annual Uber credit. With access to exclusive airport lounges and 5X points for flights booked through airlines or American Express Travel, this card also gives you 60,000 points after a $5,000 spend within the first 3 months of card membership. Terms apply. Heads up that there's a $550 annual fee.

Blue Cash Preferred from American Express

With a larger family, this card can help you maximize cash back. There's the $200 welcome bonus after you spend $1,000 within the first 3 months of card membership, as well as the 6% back at U.S. supermarkets (up to $6,000 spend in a year, then 1%). That means if you spend $500 a month on groceries, that comes to $360 for the year. This card also earns you 3% back at U.S. gas stations and select U.S. department stores, making your cash back even greater. Terms apply. There's a $95 annual fee, but that fee is quickly offset by the cash back you can get with this card.

Premier Rewards Gold Card from American Express

This is a good, all-round card with healthy travel rewards of 3X points for tickets booked directly with airlines and 2X points at U.S. restaurants, gas stations and supermarkets. Terms apply. Although there's a $195 annual fee, it's waived the first year, making the 25,000-point welcome bonus that much more valuable. The bonus takes effect after a $2,000 spend within the first 3 months of card membership.

The Blue Business Plus Credit Card from American Express

This card has the rare feature of serving as a hybrid – it's a credit card, but it has the feature of a charge card in that you can go over your credit limit, within reason. What does that mean? American Express evaluates your credit, payment habits and income to decide whether you can go over. Meanwhile, you can carry a balance month to month because it is a credit card.

As a business card, you can benefit from business purchases with 2X points on expenditures such as office supplies or office dinners (first $50,000 per year, then it's 1X point). Terms apply. There's no annual fee and you can get 0% intro APR for 15 months on purchases and balance transfers (then 12.74% - 20.74% variable).

The Business Gold Rewards Card from American Express OPEN

This card is ideal for the small-business owner who has a wide range of business-related expenditures. You'll earn 3X points on 1 of 5 categories, then 2X points on the others for up to $100,000 in expenses. Categories include tickets purchased directly from airlines; U.S. advertising from select media; U.S. gas stations; U.S. shipping; and select U.S. computer-related purchases. Terms apply.

While there's a $175 annual fee, it's waived the first year. With the 50,000-point welcome bonus (after a $5,000 spend within the first 3 months of card membership), it's a business card worth having.

Platinum Delta SkyMiles Business Credit Card from American Express

This card, part of the Delta/Amex suite, gives you direct access to the Delta brand, including enjoying priority boarding, checking your first bag free on a roundtrip Delta flight and getting 20% off eligible inflight purchases. If you travel Delta or you live near a Delta hub, such as Atlanta, this card can be a good choice.

When you make your first Delta purchase within your first 3 months, you earn a $100 statement credit. You'll earn 2X miles on purchases made with Delta and 35,000 miles and 5,000 Medallion Qualification Miles after a $1,000 spend within the first 3 months of card membership. Terms apply. There's a $195 annual fee but no foreign transaction fee.

SimplyCash Plus Business Credit Card from American Express

With no annual fee, you can quickly rack up the business cash back with this card. You'll earn a whopping 5% back on the first $50,000 on wireless services purchased directly from U.S. providers and U.S. office supply stores. Then, get 3% back on the first $50,000 spent on your choice of 8 categories (and 1% on other purchases). Terms apply. This card also offers Expanded Buying Power, which means you can go over your limit, provided you meet certain criteria.

Hilton Honors Ascend Card from American Express

Like the Delta suite, this card is among a suite of Hilton products that are ideal for the traveler who frequents this brand. You can earn a weekend night after spending $15,000 in a calendar year; and with $40,000 spend, you can upgrade to Diamond status, which affords you such benefits as executive lounge status, 48-hour room guarantee, elite status gifting, as well as the lower levels' benefits.

The rewards abound with this card, making its $95 annual fee worthwhile. There's up to 100,000 points introductory bonus (after $3,000 in purchases within your first 3 months of membership); 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases. Terms apply.

What is American Express?

Seen as a gold standard in card services, American Express is both an issuer and a network. That means it issues credit and charge cards and services them through its own network of merchants.

But Amex is more than just a card issuer. It also offers savings accounts and even personal loans to qualifying members. Here are some of its services.

  • Credit cards. Likely best known for its premium credit cards, Amex products typically only accept good or excellent credit. With exclusive partnerships with Hilton and Delta, Amex also offers cards that reward mightily for loyalty.
  • Charge cards. The dominant issuer of charge cards, Amex offers these products for the consumer or business person who doesn't need to carry a balance month to month and likes the convenience of getting approved for a high charge at the counter.
  • Business cards. With a full suite of cards that cater to the business owner, Amex offers products that reward handsomely for business purchases.
  • Consumer cards. There's a wide range of consumer cards, from charge cards with excellent travel benefits to cards with loyalty points or miles to rewards cards for everyday spending.
  • Savings accounts. While not well known for this offering, Amex's savings accounts are worth a look with interest rates well above competitors.
  • Personal loans. For the qualifying member, you can get a personal loan with well under 10% APR.

Satisfaction among Amex customers is bar none, JD Power found with its most recent survey. Take a look at how Amex fared, on a scale of 1,000, with 1,000 as the best:

Customer satisfaction for credit card companies...

  •  835
  • American Express
  •  827
  • Discover
  •  808
  • Capital One
  •  806
  • Barclays
  •  796
  • Chase
  •  795
  • Bank of America
  •  794
  • U.S. Bank
  •  791
  • Citi
  •  775
  • Wells Fargo
  • JD Power 2017 credit card study

Amex Membership Rewards program and best redemption options

The Amex Membership Rewards program allows you to redeem your points in a variety of ways, whether you want to use it to give a gift or to save up for the big trip. Here are the ways you can redeem:

  • Travel Rewards
    • Transfer Points. Amex partners with a variety of hotels and airlines
    • Use points on AmexTravel.com. You can use them for part or all of your flight, or a prepaid hotel, vacation package or cruise booking.
  • Gift Cards. You can redeem for gift cards to more than 100 restaurants, retailers, or for entertainment or travel brands. You can also redeem for an Amex gift card that you can use at participating retailers.
  • Merchandise. Shop on MembershipRewards.com for such items as electronics, jewelry, sports equipment or home decor.
  • Shopping. You can use points when shopping online and in-store with participating merchants.
  • Charges. You can apply points toward eligible charges you've already made on your card.
  • Charity. Use your points to donate to a non-profit registered with Members Give.

Other benefits of having an Amex card

Frequently, not only do the more exclusive Amex cards offer these features, but the Everyday and Blue Cash cards might offer them as well. You can get purchase protection, return protection and a variety of travel benefits, such as car rental insurance and baggage insurance.

  • Extended warranty. When you make a purchase with your card, a 1-year warranty is added to the original U.S. manufacturer's warranty up to 5 years and for a maximum of $10,000. You can't exceed $50,000 in a calendar year.
  • Purchase protection. When you make a purchase on your card, your purchases can be protected up to 90 days if stolen or accidently damaged. It's limited to $1,000 per item and $50,000 per card member per calendar year. With some premium cards, such as Platinum Card, the limit is $10,000 per item for up to $50,000 per calendar year.
  • Return protection. If a merchant won't take back an eligible item within 90 days, Amex might reimburse you for the full amount minus shipping and handling for up to $300 per item and up to $1,000 per calendar year.
  • Baggage insurance plan. A travel and business card benefit, this plan varies according to the corresponding card and the state you are in.
  • Car rental loss and damage insurance. Unlike certain Chase cards, this insurance is secondary, meaning it kicks in after other insurance, such as your personal insurance, pays.
  • Global Assist hotline. Global Assist is available to all U.S. card members and helps to prepare for your trip with customs information and destination guides. When you are more than 100 miles from home, benefits can include lost passport replacement assistance and translation services. There is also Premium Global Assist for superior products.
  • Roadside assistance. This is a 24-hour hotline that will send a tow truck or locksmith to you. You are charged for goods or services provided.
  • Travel accident insurance. This benefit varies by card and which state you are in.

To recap, here are the best American Express credit cards of 2018:

See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.

* For additional rates, fees and costs see issuer's website for detailed pricing and terms.