Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.
As a senior credit card analyst for Bankrate, Skowronski authored several studies on the payments industry, which were covered by major news outlets, including The New York Times, Washington Post and Vox.com. She has also appeared as a pundit on Good Morning America, The Willis Report, Yahoo Finance, ABC World News with David Muir, NPR’s Marketplace and numerous local television and radio stations. She has served as a speaker and panelist at several American Banker conferences.
Learn more at her website.
Highlights:
Veteran personal finance and business journalist
Credit card analyst, speaker and panelist
Author of numerous studies, including a highly covered 2014 Bankrate survey on millennials and credit cards
International travel, Luxury hotels, Credit card rewards
Highlights
Travel experience across 130+ countries, 50 states, 7 continents
Speaker, author, lover of points and miles
Founder of wanderingforgood.com
Experience
Stephanie Zito is a professional traveler, self-employed humanitarian consultant and collector of credit card points. She shares savvy travel tips that she’s learned firsthand circling the globe for more than 25 years. She’s a backpacker, expect and premium traveler who’s visited more than 130 countries and all seven continents. Her life motto is “See the world, change the world, have fun doing it!”, and her mission is to inspire others along the journey.
Zito loves teaching aspirational travelers how to access the world. And she shares her tips in her two books: “Upgrade Unlocked: The Unconventional Guide to Luxury Travel on a Budget” and “The Honeymoon Hack.” She’s also presented at many events, including Women’s Travel Fest, The World Domination Summit, Frequent Traveler University, Econome and Creative Live.
Zito’s favorite travel hack is a hotel upgrade that lands her in a soaking tub with a view of the ocean. When she isn’t working from an airport lounge or an over-the-water bungalow somewhere exotic, she can be found hiking and camping in Portland, Oregon. You can learn more about Zito on her website wanderingforgood.com. Zito studied journalism at Samford University where she also discovered her love for international travel while completing studying abroad programs in London and China.
Known for outstanding customer service and major rewards, our partner American Express offers some of the best credit cards around for people with good or excellent credit. Whether you’re looking to earn cash back or get rewards for travel or your business, there’s an Amex card for you.
Known for outstanding customer service and major rewards, our partner American Express offers some of the best credit cards around for people with good or excellent credit. Whether you’re looking to earn cash back or get rewards for travel or your business, there’s an Amex card for you.
400+ credit cards reviewed by our team of experts
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics
Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers. Learn more about our partners and how we make money.
Get pre-approved for top partner cards like The Platinum Card® from American Express or the American Express® Gold Card with help from CardMatch™. All it takes is 60 seconds to find out if you have pre-approved offers.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Good to Excellent
CreditCards.com 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.
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®.
At A Glance
Intro offer
As High As 175,000 points. Find Out Your Offer.
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual fee
$695
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Good to Excellent
CreditCards.com 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.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3X
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
At A Glance
Intro offer
As High As 100,000 points. Find Out Your Offer.
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Good to Excellent
CreditCards.com 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.
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.
At A Glance
Intro offer
Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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. **
At A Glance
Intro offer
Earn 100,000 points
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Annual fee
$375
Regular APR
18.49% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 5X points on flights and prepaid hotels booked on AmexTravel.com.
1.5X
Earn 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X
Earn 1X points on other eligible purchases.
At A Glance
Intro offer
Earn 150,000 Membership Rewards® points
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Annual fee
$695
Regular APR
18.49% - 29.24% Variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.
At A Glance
Intro offer
Earn 60,000 Bonus Miles
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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.
6X
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X
Earn 3X Points for all other eligible purchases on your Card.
At A Glance
Intro offer
Earn 130,000 Hilton Honors Bonus Points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150. Offer Ends 8/13/2025.
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
At A Glance
Intro offer
Earn 70,000 Bonus Miles
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$350
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
At A Glance
Intro offer
$250 statement credit
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
Regular APR
17.49% - 27.49% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 3 miles per dollar on eligible Delta purchases.
At A Glance
Intro offer
Earn 80,000 Bonus Miles
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$650
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
2X
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
1X
Earn 1X Miles on all other eligible purchases.
At A Glance
Intro offer
Earn 60,000 Bonus Miles
Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$350
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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. Terms and limitations apply.
At A Glance
Intro offer
15,000 Membership Rewards® points
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.
Annual fee
No annual fee
Regular APR
17.49% - 27.49% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x
2x points on all other eligible purchases.
At A Glance
Intro offer
Earn 3 Free Night Awards
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Annual fee
$125
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
3X
3X on all other eligible purchases. Terms & Limitations Apply.
At A Glance
Intro offer
Earn 150,000 Hilton Honors Bonus Points
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual fee
$195
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 6X Marriott Bonvoy® points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®.
3X
3X Marriott Bonvoy® points at restaurants worldwide and on flights booked directly with airlines.
2X
2X Marriott Bonvoy® points on all other eligible purchases made on the Marriott Bonvoy Brilliant® American Express® Card.
At A Glance
Intro offer
Earn up to 150,000 Marriott Bonvoy® bonus points
Earn up to 150,000 Marriott Bonvoy® bonus points. Earn 100,000 points after you spend $6,000 and an extra 50,000 points after you spend an additional $2,000 in purchases on the Card within your first 6 months of Card Membership.
Annual fee
$650
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X
Earn 3X Points for all other eligible purchases on your Card.
At A Glance
Intro offer
Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit
Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1X
Earn 1X Mile on all other eligible purchases.
At A Glance
Intro offer
Earn 50,000 Bonus Miles
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:3.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
2X
Earn 2X Miles per dollar spent on Delta purchases.
1X
Earn 1X Mile on all other eligible purchases.
At A Glance
Intro offer
Earn 10,000 miles
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 70,000 Bonus Miles
Earn 70,000 Bonus Miles after you spend $5,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$650
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:2.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
At A Glance
Intro offer
No current offer
Annual fee
$250‡
Regular APR
N/A
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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.
At A Glance
Intro offer
Earn $200
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:2.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
At A Glance
Intro offer
No current offer
Annual fee
$250‡
Regular APR
N/A
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
3X
Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
2X
Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
At A Glance
Intro offer
As High As 100,000 points. Find Out Your Offer.
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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®.
At A Glance
Intro offer
As High As 175,000 points. Find Out Your Offer.
You may be eligible for as high as 175,000 Membership Rewards® Points after spending $8,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.
Annual fee
$695
Regular APR
See Pay Over Time APR
Recommended credit
Good to Excellent
CreditCards.com 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.
See if you’re pre-approved for this card using our CardMatch tool.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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.
6X
Earn 6X Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X
Earn 3X Points for all other eligible purchases on your Card.
At A Glance
Intro offer
Earn 130,000 Hilton Honors Bonus Points
Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Card in the first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150. Offer Ends 8/13/2025.
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
At A Glance
Intro offer
Earn 70,000 Bonus Miles
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$350
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
3X
3X on all other eligible purchases. Terms & Limitations Apply.
At A Glance
Intro offer
Earn 150,000 Hilton Honors Bonus Points
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual fee
$195
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
1X
Earn 1X Mile on all other eligible purchases.
At A Glance
Intro offer
Earn 50,000 Bonus Miles
Earn 50,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.
At A Glance
Intro offer
Earn 60,000 Bonus Miles
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:3.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
2X
Earn 2X Miles per dollar spent on Delta purchases.
1X
Earn 1X Mile on all other eligible purchases.
At A Glance
Intro offer
Earn 10,000 miles
Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 3 miles per dollar on eligible Delta purchases.
At A Glance
Intro offer
Earn 80,000 Bonus Miles
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$650
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
5X
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X
Earn 3X Points for all other eligible purchases on your Card.
At A Glance
Intro offer
Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit
Earn 100,000 Hilton Honors Bonus Points and a $100 Statement Credit after you spend $2,000 on eligible purchases on the Hilton Honors American Express® Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual fee
$0
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x
2x points on all other eligible purchases.
At A Glance
Intro offer
Earn 3 Free Night Awards
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Annual fee
$125
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
1%
1% cash back on all eligible purchases after spending $50,000 per calendar year.
At A Glance
Intro offer
$250 statement credit
Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
Regular APR
17.49% - 27.49% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.1
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
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. Terms and limitations apply.
At A Glance
Intro offer
15,000 Membership Rewards® points
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.
Annual fee
No annual fee
Regular APR
17.49% - 27.49% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.
At A Glance
Intro offer
Earn 70,000 Bonus Miles
Earn 70,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$350
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 4X Membership Rewards® points on the top two eligible categories where your business spends the most each month 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. **
At A Glance
Intro offer
Earn 100,000 points
Earn 100,000 Membership Rewards® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
Annual fee
$375
Regular APR
18.49% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 5X points on flights and prepaid hotels booked on AmexTravel.com.
1.5X
Earn 1.5X points (that’s an extra half point per dollar) on purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
1X
Earn 1X points on other eligible purchases.
At A Glance
Intro offer
Earn 150,000 Membership Rewards® points
Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
Annual fee
$695
Regular APR
18.49% - 29.24% Variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:2.4
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn an unlimited 1.5% Early Pay Discount on eligible charges paid within 10 days of your statement closing date and see the discount applied to your next statement when you pay at the least the Minimum Payment Due by the Payment Due Date.
At A Glance
Intro offer
No current offer
Annual fee
$250‡
Regular APR
N/A
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 12X Hilton Honors Bonus Points on eligible Hilton purchases.
5X
Earn 5X Hilton Honors Bonus Points on other purchases made using the Hilton Honors Business Card on the first $100,000 in purchases each calendar year.
3X
3X on all other eligible purchases. Terms & Limitations Apply.
At A Glance
Intro offer
Earn 150,000 Hilton Honors Bonus Points
Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points after you spend $8,000 in purchases on the Hilton Honors American Express Business Card in your first 6 months of Card Membership. Plus earn an additional 25,000 Hilton Honors Bonus points after you spend an additional $2,000 in purchases on your Card within your first 6 months of Card Membership. Offer Ends 8/13/2025.
Annual fee
$195
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.
At A Glance
Intro offer
Earn 60,000 Bonus Miles
Earn 60,000 Bonus Miles after spending $4,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.7
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Earn 3 miles per dollar on eligible Delta purchases.
At A Glance
Intro offer
Earn 80,000 Bonus Miles
Earn 80,000 Bonus Miles after spending $10,000 in purchases on your new Card in your first 6 months of Card Membership.
Annual fee
$650
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
Our rating:4.3
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
4x
4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x
2x points on all other eligible purchases.
At A Glance
Intro offer
Earn 3 Free Night Awards
Earn 3 Free Night Awards after you use your new Card to make $6,000 in eligible purchases within the first 6 months of Card Membership.
Annual fee
$125
Regular APR
20.24% - 29.24% variable
Recommended credit
Good to Excellent
CreditCards.com 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.
All information about the American Express Cash Magnet® Card, Citi Custom Cash Card, and American Express® Green Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The American Express Cash Magnet Card is no longer available through CreditCards.com.
Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
Best for luxury travel perks: The Platinum Card® from American Express
Best features: One of the best travel credit cards on the market, the Platinum Card offers a bevy of luxury travel benefits, including airport lounge access, a statement credit for Global Entry or TSA PreCheck, an Uber cash credit, up to a $199 CLEAR® Plus annual credit for your membership and no foreign transaction fees (see rates and fees).
Biggest drawbacks: That laundry list of premium travel benefits come with a $695 annual fee, not waived the first year.
Best for dining rewards: American Express® Gold Card
Best features: The American Express Gold Card has superb rewards for dining, shopping and traveling. Available in rose gold and regular gold, it earns 4X points at restaurants (on up to $50,000 in purchases per calendar year, then 1x) and 4X points at U.S. supermarkets (on up to $25,000 in purchases per calendar year, then 1X). Furthermore, it earns 3X points on flights booked directly with airlines or through amextravel.com, making it a well-rounded card.
Biggest drawbacks: There’s a $325 annual fee (not waived the first year).
Alternative: If your budget can’t handle high fees, you can still earn high rewards if you’re willing to juggle multiple credit cards. The Capital One Savor Cash Rewards Credit Card offers 3% cash back for dining and doesn’t charge an annual fee . Pair it with the Blue Cash Preferred® Card from American Express ($0 intro annual fee for the first year, then $95), which offers an impressive 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%). Both come with even more rewards-earning opportunities, making it a powerful combination to have in your wallet.
Bottom line: Frequent travelers will get the most use of its travel benefits and other opportunities, particularly the 4X and 3X earning categories that make it easy to maximize Membership Rewards points to then turn into trips.
Best for no annual fee: Blue Cash Everyday® Card from American Express
Best features: The Blue Cash Everyday is the mini-me of the Blue Cash Preferred, with excellent cash back on groceries and when filling up your car, but with no annual fee. Earn 3% back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases on up to $6,000 in purchases per year in each category (then 1%), perfect for the growing family.
Biggest drawbacks: The spending cap may be easily topped by families with big grocery budgets.
Bottom line: Large families stand to do very well in these featured rewards categories. Plus, the 0% intro APR on purchases and balance transfers for the first 15 months (20.24%-29.24% Variable APR thereafter) is attractive to those who want to make a large purchase or pay off some debt and carry the balance for a bit.
Best for high cash back rates: Blue Cash Preferred® Card from American Express
Best features: We love this card’s generous cash back rates. Earn 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%); 6% cash back on select U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit. It also offers 1% cash back on general purchases.
Biggest drawbacks: The 6% bonus at U.S. supermarkets is great, though it’s capped to $6,000 in purchases per year and 1% thereafter. There is a $95 annual fee ($0 intro annual fee for the first year).
Alternative: If you don’t get the most value from grocery shopping, the Citi Custom Cash® Card lets you decide how you want to earn high rewards, offering 5% cash back on up to $500 spent each billing cycle in your top eligible spending category, then 1%. Learn more about the Citi Custom Cash Card vs. American Express Blue Cash Preferred.
Bottom line: The Blue Cash Preferred card offers a high cash back rate on categories that will appeal to big families on the go.
Best for small business travel: American Express® Business Gold Card
Best features: This card offers a decent value to small business owners who stand to earn 100,000 points after spending $15,000 on eligible purchases in the first three months of card membership. That’s in addition to potential bonus rewards in your top two eligible categories each billing cycle such as gas and travel.
Biggest drawbacks: There is an annual fee of $375, and if your spending doesn’t align with the bonus categories, you’ll get little value out of this card. Plus, depending on what you decide to do with your rewards, you may lose out on some value. While there are several ways you can use your points, redeeming for travel is consistently the most valuable route.
Alternative: Instead of earning 4X points in two eligible business categories each month, the Capital One Spark Miles for Business is a flat-rate credit card that offers an unlimited 2X miles per dollar on every purchase, giving you more freedom to earn rewards on your everyday purchases.
Bottom line: Small-business owners who hope to rack up points to put towards travel will appreciate the flexible bonus rewards, lack of foreign transaction fee (see rates and fees), and other travel perks associated with the American Express® Business Gold Card.
Best for luxury business travel perks: The Business Platinum Card® from American Express
Best features: With a whopper of an introductory offer and excellent travel benefits, the Business Platinum Card from American Express is a solid card for high-spending business owners on the go. Earn up to 150,000 points after spending $20,000 on eligible purchases in the first three months of membership. When booking through Amextravel.com, cardholders earn 2X points per dollar on eligible travel and a 35% bonus on points redeemed through Amextravel.com with your selected qualifying airline (up to 1,000,000 points per calendar year).
Biggest drawbacks: The high annual fee of $695 may scare away some business owners.
Alternative: The American Express® Business Gold Card might be a better fit for small-business travelers who don’t need all the luxury bells and whistles and who prefer a card with a smaller annual fee. Read more about the Amex Business Gold vs. Amex Business Platinum.
Bottom line: Small-business owners may balk at the high annual fee and the high spend requirement to satisfy the introductory offer, but high-budget, travel-happy businesses fit this card well.
Best for Delta-loyal small business owners: Delta SkyMiles® Gold Business American Express Card
Best features: You can earn a credit of up to $200 for future Delta flights after spending $10,000 in a calendar year. Earn two miles per dollar on eligible direct Delta purchases, at restaurants and on U.S. purchases for advertising in select media and U.S. shipping purchases (on up to $50,000 in eligible purchases per category, per year), plus one mile per dollar on all other eligible purchases.
Biggest drawbacks: Compared to general-purpose travel cards, the redemption options are not as flexible. And if your business doesn’t fly Delta regularly, the welcome offer and travel perks will be lost on you.
Bottom line: The Delta SkyMiles® Gold Business American Express Card is a low-cost travel card best for small businesses located in or around a Delta hub city or people who like Delta as their preferred airline and who frequently spend in categories such as dining, shipping, and advertising.
Best for Hilton hotel stays: Hilton Honors American Express Surpass® Card
Best features: Cardholders earn 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points on eligible purchases at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases.
Biggest drawbacks: There’s a big annual spend requirement ($15,000) to earn a free night reward.
Alternative: It’s hard to beat all the Hilton perks you’ll get with the Surpass card, but if you aren’t tied to only one hotel brand, you may get better value out of the Chase Sapphire Preferred® Card. Points are worth more when you book through Chase Ultimate Rewards and have greater flexibility.
Bottom line: The Hilton Honors American Express Surpass® Card is ideal for the traveler who frequents the Hilton brand. Hilton loyalists can take advantage of elite status and Hilton’s expansive network of hotels and resorts around the world.
Best for business travelers seeking elevated status: Delta SkyMiles® Platinum Business American Express Card
Best features: Get closer to elevated Status next Medallion® Year with MQD Headstart and MQD Boost: receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year and earn $1 MQD for each $20 of purchases with your Delta SkyMiles® Platinum Business American Express Card. Delta SkyMiles® Platinum Business American Express Card Members save 15% 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.
Biggest drawbacks: There’s a $350 annual fee, and free lounge access isn’t one of this card’s perks.
Alternative: Busy travelers who want more flexibility in how they travel and earn rewards should check out the Chase Ink Business Preferred® Credit Card. It doesn’t come with all the exclusive Delta perks, but for $95 per year and offers 3 points per $1 dollar on the first $150,000 spent in combined travel and select business categories each year.
Bottom line: Business owners who want to enjoy elite status and who frequently fly Delta will find a lot of value in this card’s wide range of travel perks.
Best for cash back rewards for business: The American Express Blue Business Cash™ Card
Best features: With no annual fee, you can quickly rack up cash back for your business with this card. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
Biggest drawbacks: The spending cap on 2% earnings will be a disappointment to businesses who can easily spend more than $50,000 per year.
Best for travelers who want elite status: Delta SkyMiles® Platinum American Express Card
Best features: Receive $2,500 Medallion® Qualification Dollars each Medallion Qualification Year and get closer to Status with MQD Headstart. Delta SkyMiles® Platinum American Express 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.
Biggest drawbacks: A $350 annual fee and no free lounge access.
Alternative: For a lower annual fee, the American Express Gold Card won’t get you elite status with Delta. But it offers more flexibility and its own sets of features and benefits that may be more appealing.
Bottom line: Frequent travelers and Delta loyalists will be delighted by the long list of travel perks, such as an annual companion certificate, discounts on inflight purchases, priority boarding and more.
Best for airline miles: Delta SkyMiles® Gold American Express Card
Best features: In addition to Delta, travelers have its large network of airline partners to choose from. Best of all, miles don’t expire.
Biggest drawbacks: This card doesn’t come with lounge access and won’t help you earn Delta’s elite status.
Alternative: The Capital One Venture Rewards Credit Card carries a slightly smaller $95 annual fee and provides better flexibility for people who are not loyal to Delta. The 5 miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel along with 2 miles per dollar on all other purchases will be a better fit for people who tend to spend a lot in areas that typically only earn 1 mile per dollar with other cards.
Bottom line: If you are a frequent traveler of Delta airlines, this card is a great option as you earn 2X miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.
Best for business rewards with no annual fee: The Blue Business® Plus Credit Card from American Express
Best features: For small business owners, this is one of the best credit cards with no annual fee, thanks to its solid rewards and flexible financing features. Cardholders earn 2X points per dollar on everyday business purchases, up to $50,000 per year; and 1X point thereafter.
Biggest drawbacks: The spending cap will disappoint businesses with large expenses over $50,000.
Alternative: If you’re fine with redeeming your rewards for statement credits, the American Express Blue Business Cash™ Card is a better fit for small-business owners looking for a simple way to earn rewards. Learn more about the American Express Blue Business® Plus vs. Blue Business Cash™.
Bottom line: Frequent business travelers will appreciate the flexibility and features that come with The Blue Business Plus Credit Card from American Express.
Best for everyday travel: American Express Green Card
Best features: Its expanded travel category makes it a great fit for commuters who use public transportation and rideshare services frequently. Additionally, it earns high rates for certain dining purchases.
Biggest drawbacks: The American Express Green Card has a $150 annual fee that may be hard to offset if you don’t fly frequently and use the CLEAR Plus and LoungeBuddy credits.
Alternatives: The Wells Fargo Autograph® Card, which comes with no annual fee, may be a better option for frequent commuters since it’s extremely low-cost.
Bottom line: The Amex Green Card is a solid option if you fly and commute often, as long as you take advantage of the LoungeBuddy and CLEAR Plus membership credits and redeem points for travel.
Seen as a gold standard in card services, American Express is both an issuer and a network. That means it issues cards and services them through its own network of merchants. American Express is known for excellent benefits, including no foreign transaction fees in the case of many cards and 2.7% in others (which is lower than many other cards).
But Amex is more than just a card issuer. In fact, it is tied with Chase for having the highest purchase volume of all credit card issuers in the U.S.
Services offered by American Express
Credit cards. Amex is perhaps best known for its luxury rewards credit cards, which offer premium benefits in exchange for a sometimes sizable annual fee. However, it does offer a few of the best cash back credit cards for everyday spending. With exclusive partnerships with Hilton and Delta, Amex also offers cards that reward mightily for loyalty.
Business cards. With a full suite of cards that cater to the business owner, Amex offers products that reward handsomely for business purchases.
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.
How to choose an American Express credit card
American Express’ catalog of options provide a variety of ways to earn and reap benefits while using your card. With several strong rewards cards, there are specific spenders who best fit Amex’s offers.
Who should get an Amex credit card
Travelers. When you want to earn hotel and airline points, American Express has some of the best travel rewards on the market. Amex travel cards offer lucrative rewards rates and high-end travel benefits. Guests frequenting Marriott, Hilton and Delta have lots of opportunity, plus, using American Express Travel to book trips with your card or redeem points for travel can come with bonus rewards and extra value.
Foodies. No matter where you get your meals, American Express has some of the best credit cards for food purchases. From the Blue Cash Preferred to the Gold and Platinum cards, cardmembers can find industry-leading rewards rates at U.S. supermarkets as well as top-notch rewards rates at restaurants.
Business owners. When you need a small-business credit card, Amex has you covered. Some come with no annual fee, while The Business Platinum Card carries a $695 annual price tag; some are built for simple cash back, others are for chasing travel points and loyalty status with airlines; some earn high-dollar welcome bonuses after spending a large amount, some are designed for a startup on a budget. No matter the case, your business could likely benefit from an Amex card.
Who should skip Amex credit cards?
Credit builders. If your credit history is less than stellar, it’s unlikely you’ll be approved for an American Express card. Amex cards come loaded with excellent member perks and typically require a FICO credit score in the range of 670 to 850. Those with credit scores outside this range would be better served by a card that allows them to build credit before moving up to an Amex.
Overseas spenders. When you travel abroad or make online purchases with foreign merchants, it’s helpful to have a credit card that is widely accepted and charges no foreign transaction fees. American Express has a large presence around the world, but it doesn’t match the global acceptance of Visa or Mastercard. Plus, most Amex credit cards charge a foreign transaction fee. (The ones that don’t will come with an annual fee or are a Hilton or Delta co-branded credit card.)
What programs does American Express offer?
Many American Express credit cards feature competitive base rewards programs and lucrative welcome offers. They also offer a number of valuable benefits that can prove useful when shopping or traveling. These benefits, which are not exclusive to Amex’s premium products, can include:
Extended warranty: When you make a purchase with your card, a one-year warranty is added to the original U.S. manufacturer’s warranty up to five 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 accidentally damaged. It’s limited to $1,000 per item and $50,000 per cardmember 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.
Shop small: A way to support both small businesses and their cardholders, this program is offered by many Amex cards to give you a chance at earning a bit of cash back when spending at select local merchants.
Transfer partners: If you want to get the biggest bang for your buck, transferring your miles to one of the many American Express airline partners is usually your best bet. Compare American Express transfer partners with our full guide and valuations.
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 some of the best Chase credit cards, this insurance is secondary, meaning it kicks in after other insurance, such as your personal insurance.
Global Assist® Hotline: Global Assist is available to all U.S. cardmembers 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.
Statement credits: Depending on your card, you may have a few extra ways to save some money. The right Amex card will grant you statement credits to put towards travel purchases like Global Entry or TSA PreCheck and to help with paying for food through Uber Eats.
Travel insurance: This benefit varies by card. The most premium cards offer trip cancellation, interruption and delay insurance. Check out our guide to American Express travel insurance for card-by-card comparisons.
Lounge access: No matter what type of traveler you are, American Express has some of the best credit cards for airport lounge access. This includes the Green card’s budget-friendly LoungeBuddy credit and the Platinum card’s premium access to five lounge networks (good for more than 1,400 lounges in over 140 countries). For more information, take a look at this guide to American Express lounges.
American Express also offers several flexible payment options on certain personal and business cards. These options can include:
Pay It, Plan It®: This feature, available on select personal cards, allows eligible cardholders to pay small purchase amounts (less than $100) right away through the American Express app. Alternatively, it lets them split up larger purchases (over $100) into monthly payments with a fixed fee. Learn if Amex’s Pay It Plan It is worth it.
Pay Over Time: This feature, available on select personal and business cards, lets eligible cardholders carry a balance on eligible purchases, with interest.
Working Capital Terms: This feature allows eligible business cardholders to get access to up to $150,000 in funding.
Expanded Buying Power: This feature allows eligible business cardholders to spend over your credit limit (terms apply).
What is the American Express Membership Rewards program?
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 some of the ways you can redeem:
Redemption options
Travel Rewards:
Transfer Points. American Express transfer partners help you get the most mileage out of your Membership Rewards points. Though not all transfers are instantaneous, Amex has widespread connections with multiple travel partners and most of them transfer points at a 1:1 rate.
Book a trip with 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 make donations through the online social platform JustGiving.
How we picked the best American Express credit cards
Methodology: We analyzed American Express’ suite of cards to identify its top products in popular credit card categories. Core criteria we considered in our analysis include:
Base rewards program: Does the card’s base rewards program offer a competitive return on spending for its card category (cash back, travel, business, etc.)?
Additional benefits: Does the card include applicable American Express services or benefits, like purchase protection, return protection, and an extended warranty for everyday spending cards, or baggage insurance, lounge access, or trip cancellation insurance for travel credit cards?
Welcome offer: Welcome offers let new cardholders earn extra rewards if they spend a certain amount of money in a specified time period, usually their first three months. They’re a short-term incentive, but often quite lucrative, and can tip the scales when cards offer similar base rewards and benefits. As such, we factored welcome offers in our analysis of the best American Express cards.
Annual fee: Does the card carry an annual fee? Given many Amex cards do, we assessed whether that fee could be offset by the card’s rewards program, welcome offer and any additional benefits. In other words, we considered the card’s potential value.
Annual percentage rates (APR) and/or flexible financing options: Where applicable, are the card’s APRs comparable to the average APR in its card category? Similarly, do cardholders have access to Amex’s flexible financing features? Note: It’s best practice to pay balances off in full on rewards credit cards so you don’t lose points, miles or cashback to interest.
Additional information on American Express credit cards
For more information on all things American Express credit cards, continue reading content from our credit card experts:
American Express primarily offers rewards cards for personal or business use, so you generally need good-to-excellent credit to qualify for their products. That equates to a FICO credit score between 670 and 850.
Specific criteria will vary by product, and American Express considers other factors like your income or reported debt levels when considering your application. However, as a general rule of thumb, the more lucrative the rewards, the higher you can expect the credit score requirements to be. In other words, a score of 670 might qualify you for the entry-level Blue Cash Everyday Card, while the premium Platinum Card might require excellent credit (think a score of 740 or higher).
American Express has a number of credit cards that charge no annual fee. These are all great options for people who don’t want to pay every year for the privilege of enjoying a certain level of features and benefits. As long as your credit score meets Amex’s good or excellent credit requirements, you’ll find cash back cards, travel rewards and even small business cards.
American Express credit cards that charge no annual fee include:
Blue Cash Everyday® Card
Cash Magnet® Card
Hilton Honors Card
Amex EveryDay® Credit Card
Delta SkyMiles® Blue American Express Card
Blue from American Express®
American Express offers a number of features and benefits across all of their cards. From elevated earnings at restaurants and U.S. supermarkets, to generous travel perks and consumer protections, an Amex card brings incredible value to your wallet. Depending on the card, here is just a small sample of the American Express credit card benefits you’re likely to find:
Welcome offers
Membership Rewards® points
Cash back
Flexible payment options
Purchase and fraud protections
Access to special events like concerts, sports, and theater
Travel protections
Airline credits
Uber credit
Free first checked bag
Transferable points
No foreign transaction fee
American Express makes it easy to see if you’re prequalified for any credit cards. Just fill out an online form, and Amex will perform a soft credit check that doesn’t hurt your credit score. Most people will find out what cards they qualify for in less than a minute. If you qualify for any Amex credit cards, you may even receive personalized offers, such as a higher welcome bonus or lower interest rate. But prequalification doesn’t mean you’re approved. If you find an Amex offer you like, you’ll still need to apply, and when you do, Amex performs a hard credit check.
Want to make your life even easier? Take a look at our Cardmatch™ tool. You may see special offers for credit cards within seconds. But instead of offers from only one company, you’ll see offers from multiple card issuers. Depending on your credit profile, Cardmatch™ lets you see personalized offers from a number of our partners, which include:
American Express
Citi
Discover
Wells Fargo
Bank of America
Credit One Bank
About the Author
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Editor
Jeanine Skowronski
Jeanine Skowronski is a credit card expert, analyst, and multimedia journalist with over 10 years of experience covering business and personal finance. She has previously served as the Head of Content at Policygenius, Executive Editor of Credit.com, Deputy Editor at American Banker, Staff Reporter at TheStreet and a columnist for Inc. Magazine.
About the Reviewer
Stephanie Zito
Stephanie Zito is a professional traveler, humanitarian and credit card points collector sharing savvy travel tips she has learned firsthand from more than 20 years of circling the globe as a backpacker, expat and premium traveler in more than 125 countries and all seven continents.
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