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

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). Learn more about American Express’ credit score requirements , plus get some tips on how to improve your credit.

Do all Amex cards have annual fees?

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®

What types of perks does Amex offer?

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

Can I get prequalified for Amex cards?

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

American Express Credit Cards - Best & Latest Offers

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BEST FOR LUXURY TRAVEL PERKS

The Platinum Card® from American Express

Our rating:4.8

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Recommended credit

670-850 (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.

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Rewards rate

5X: Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X: Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer: Earn 80,000 points Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Annual fee: $695

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Why we like this card

If you’re a frequent traveler looking for top drawer perks, trip protections, and valuable credits, The Platinum Card® from American Express is a strong choice. The $695 annual fee is high but jetsetters will have no trouble recouping that in a few trips. Cardmembers earn 5X points on flights booked directly with airlines or through American Express Travel (up to $500,000 on these purchases per calendar year), as well as 5X points on eligible hotels booked through American Express Travel. All other eligible purchases earn 1X points.

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Pros

This card includes perks such as lounge access, a statement credit for Global Entry or TSA Precheck, Uber Cash credit annually (on U.S. rides and eats), up to a $189 CLEAR® Plus annual credit for your membership, Hilton Honors gold status (enrollment required) and Uber VIP status.
There are no blackout dates.

Cons

Travel rewards must be redeemed through American Express Travel.
If you don’t travel often, you may be better served by a card with a lower annual fee.

Bottom Line

Eager travelers will find a lot of value in this luxury travel card, from its long list of perks, credits, and travel protections to its decent rewards rate and welcome bonus.

Highlights

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

Rates & Fees

See Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

BEST FOR DINING REWARDS

American Express® Gold Card

Our rating:5.0

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (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.

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Rewards rate

4X: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X: Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X: Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer: 60,000 points Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee: $250

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 4.8
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Why we like this card

The American Express Gold Card offers excellent reward rates across a range of categories, making it easy to earn rewards. Cardmembers earn 3X points on flights booked directly with airlines or through amextravel.com, 4X points at restaurants, and 4X points at U.S. supermarkets up to $25,000 in purchases per calendar year (then 1X). The card also includes a decent introductory offer of 60,000 points after spending $4,000 in the first six months of account opening. There’s also an up to $120 annual dining credit at participating restaurants (up to $10 statement credits per month, enrollment required).

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Pros

There are no foreign transaction fees.
There are a lot of airline transfer partners, including Delta.

Cons

The annual fee of $250 may be more than some are willing to spend.
Many of this card’s credits carry caveats that can make them a bit confusing to capitalize on.

Bottom Line

This is a well-rounded card with a high rewards rate in multiple categories. Frequent travelers, in particular, will find value in its travel credits, while foodies will appreciate the generous dining credits.

Highlights

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Rates & Fees

See Rates & Fees

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

BEST FOR NO ANNUAL FEE

Blue Cash Everyday® Card from American Express

Our rating:4.8

See Rates & Fees, Terms Apply

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Recommended credit

670-850 (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.

Apply now

Rewards rate

3%: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%: 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%: 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
1%: 1% Cash Back on other purchases.

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: 19.24% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

The Blue Cash Everyday Card offers excellent cash back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases, but with no annual fee. For daily commuters and households with big grocery bills, these high reward rates could quickly pay off.

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Pros

Cardholders can earn a $200 statement credit after you spend $2,000 in purchases within the first six months.
There are no rotating categories or enrollments to keep track of.

Cons

Rewards cannot be transferred or combined with other cards.
The 3% cash back rate is capped at $6,000 in purchases annually in each category then drops to 1%.

Bottom Line

For big households and road warriors, these featured rewards categories make everyday purchases especially valuable. Also noteworthy: the intro APR on purchases and balance transfers is ideal for anyone hoping to finance a large purchase or pay off some debt.

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.

Rates & Fees

See Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months

More Cards from American Express

BEST FOR HIGH CASH BACK RATES

Blue Cash Preferred® Card from American Express

Our rating:4.6

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Rewards rate

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

Intro offer: Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95.

Regular APR: 19.24% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Earn a whopping 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%) as well as on select U.S. streaming subscriptions, plus earn 3% cash back at U.S. gas stations and public transit. General purchases earn 1% cash back. As if that weren’t enough, you earn a $250 statement credit after you spend $3,000 in purchases within the first six months.

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Pros

Rewards can be redeemed for previous purchases.
There’s no enrollment required and no rotating categories to keep track of.

Cons

The 6% bonus at U.S. supermarkets is excellent, but it’s capped to $6,000 in annual purchases, then 1%.
In addition, the 3% and 6% rewards are only applicable to U.S. purchases.

Bottom Line

Any household that spends a considerable amount of its monthly budget on groceries, gas or transit will appreciate the high rewards rate offered by the Blue Cash Preferred® Card from American Express. Yes, there’s an ongoing $95 annual fee ($0 intro annual fee for the first year) though it’s easily recouped after a few trips to the supermarket.

Highlights

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

BEST FOR SMALL BUSINESS TRAVEL

American Express® Business Gold Card

Our rating:4.4

See Rates & Fees, Terms Apply

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Rewards rate

4X: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month.
1X: 1X is earned for other purchases. **

Intro offer: Earn 70,000 points Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

Annual fee: $295

Regular APR: 19.49% - 27.49% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value: 2.7
Annual Percentage Rate: 0.3
Rewards Flexibility: 3.7
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

As an introductory bonus, small business owners earn 70,000 points after spending $10,000 on eligible purchases within the first three months of card membership. Plus, earn 4X points on your top two spending categories each billing cycle, up to $150,000 in purchases annually. When redeeming points for travel through the American Express Travel portal, business travelers can earn a hefty 25% bonus (up to 250,000 points per calendar year).

Read the full review

Pros

There are no blackout dates.
Points can be transferred to 16 partner airlines.

Cons

If you’re hoping to redeem for anything beyond travel, you may be underwhelmed by redemption options.
The $295 annual fee is much higher than cards with similar offers.

Bottom Line

The travel protections and frills offered by this card are a good fit for small business owners who are frequently on the road. The 25% bonus for travel redemptions through the American Express Travel portal (up to 250,000 points per calendar year) is especially attractive.

Highlights

Welcome Offer: Earn 70,000 Membership Rewards® points after you spend $10,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
More Rewards: Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month. 1X is earned for other purchases. **
**4X points apply to the first $150,000 in combined purchases from these 2 categories each calendar year.*
Pay Over Time Option: Decide whether you want to pay eligible purchases in full each month-or pay over time with interest.*
*Terms Apply

Rates & Fees

Annual Fee: $295
Intro Purchase APR: N/A
Regular APR: 19.49% - 27.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR LUXURY BUSINESS TRAVEL PERKS

The Business Platinum Card® from American Express

Our rating:4.9

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Rewards rate

5X: 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com
1.5X: Earn 1.5X on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
1X: 1X points for each dollar you spend on eligible purchases.

Intro offer: Earn 120,000 points Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.

Annual fee: $695

Regular APR: 19.49% - 27.49% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.9

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 1.0
Rewards Flexibility: 3.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Big business spenders can earn 120,000 points after spending $15,000 on eligible purchases within the first three months of account opening. Plus, cardmembers can receive a 35% airline bonus on points redeemed through amextravel.com on your select qualifying airline (up to 1,000,000 points per calendar year).

With a whopper of an introductory bonus and excellent travel benefits, the Business Platinum Card from American Express is a solid card for high-spending business owners on the go.

Read the full review

Pros

Cardmembers have access to over 1,400 airport lounges around the world.
There are no blackout dates and points don’t expire as long as the account remains in good standing.

Cons

Travel must be redeemed through the American Express Travel portal.
There is a fee to transfer points to airline loyalty programs.

Bottom Line

A range of luxury travel perks and trip protections – not to mention a sizable welcome bonus – make the Business Platinum Card from American Express an excellent match for business travelers after a high-end travel experience.

Highlights

Welcome Offer: Earn 120,000 Membership Rewards® points after you spend $15,000 on eligible purchases with your Card within the first 3 months of Card Membership.
5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
Earn 1.5X points (that's an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year.
Unlock over $1,000 in annual statement credits on a curation of business purchases, including select purchases made with Dell Technologies, Indeed, Adobe, and U.S. wireless service providers.
$200 Airline Fee Credit: Get up to $200 in statement credits per calendar year for incidental fees charged by your one selected, qualifying airline to your Card.
$189 CLEAR® Plus Credit: Use your card and get up to $189 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use your Business Platinum Card®.
The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
$695 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: 19.49% - 27.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA-LOYAL SMALL BUSINESS OWNERS

Delta SkyMiles® Gold Business American Express Card

Our rating:4.6

See Rates & Fees, Terms Apply

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Rewards rate

2X: Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible 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.

Intro offer: Earn 75,000 Bonus Miles Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.

Annual fee: $0 introductory annual fee for the first year, then $99

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Delta die-hards can earn 2X miles on direct Delta purchases, 2X miles on U.S. purchases for advertising select media, U.S. shipping purchases and at restaurants (effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year), plus 1X miles on all eligible purchases. For a limited time you can earn 75,000 bonus miles after you spend $6,000 in purchases in your first six months of card membership. Plus, earn an additional 5,000 bonus miles after you make an eligible Delta purchase with your new card within your first six months. Offer Ends 10/25/23. Members can also earn a credit worth up to $100 on future Delta flights after spending $10,000 in a calendar year. In addition, the $99 annual fee has an introductory $0 annual fee for the first year.

Read the full review

Pros

Miles may be redeemed for one-way flights.
Miles never expire and there are no blackout dates.

Cons

The fuel surcharge on international rewards flights can be very high in some cases.
Rewards flights booked via the telephone incur a $25 booking fee, or $35 for flights booked in a ticket office.

Bottom Line

Delta enthusiasts will find plenty to like about the Delta SkyMiles® Gold Business American Express Card, including a generous welcome offer, high rewards rate on Delta purchases and several handy travel perks to take the sting out of flying.

Highlights

Limited Time Offer: Earn 75,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 5,000 Bonus Miles after you make an eligible Delta purchase with your new card within your first 6 months. Offer Ends 10/25/23.
Card Members save 15% when booking Award Travel with miles on Delta flights when using delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Check and stow your bag with ease: First Checked Bag Free on Delta Flights + Main Cabin 1 Priority Boarding.
Earn 2 Miles on every dollar spent on eligible purchases at U.S. shipping providers and eligible U.S. advertising purchases in select media. Effective 1/1/2024, this benefit will have a cap of $50,000 in eligible purchases per category, per year.
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
Earn 1 Mile on every eligible dollar spent on other purchases.
Additionally, receive a $100 Delta Flight Credit to use toward future travel after you spend $10,000 in purchases on your Card in a calendar year.
Pay no foreign transaction fees when you travel overseas.
$0 introductory annual fee for the first year, then $99.
Terms and limitations apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $99
Intro Purchase APR: N/A
Regular APR: 20.99% - 29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR HILTON HOTEL STAYS

Hilton Honors American Express Surpass® Card

Our rating:4.3

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Rewards rate

12X: 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 Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X: Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Intro offer: Earn 130,000 points Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 3 months of Card Membership.

Annual fee: $95

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

With this card, Hilton loyalists earn 12X points at participating Hilton hotels and resorts, as well as 6X points at U.S. restaurants, supermarkets, and gas stations. All other eligible purchases earn 3X points. Cardmembers also receive automatic Gold Status plus 10 Priority Pass lounge passes.

You’ll earn 130,000 points after spending $2,000 on eligible purchases within the first three months of opening the account.

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Pros

Points never expire as long as the card remains active.
Points can be used to upgrade reservations.

Cons

Beyond hotel stays, redemption options are limited.
Reward rates for regular rooms are sometimes inflated to premium rates.

Bottom Line

With its generous welcome bonus and high rewards rate on not only Hilton stays but general purchases, racking up points is easy.

Highlights

Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 3 months of Card Membership.
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, at U.S. supermarkets, and at 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.

Rates & Fees

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR STATUS-CHASING BUSINESS TRAVELERS

Delta SkyMiles® Platinum Business American Express Card

Our rating:4.8

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Rewards rate

3X: Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent on purchases made directly with Delta and hotels.
1.5X: Earn 1.5 miles per dollar on single eligible purchases of $5,000 or more (that’s an extra half mile per dollar), up to 50,000 additional miles per Calendar year.

Intro offer: Earn 90,000 Bonus Miles Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.

Annual fee: $250

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 5.0
Issuer Customer Experience: 5.0

Why we like this card

Spend $8,000 in the first six months of account opening and earn a limited time offer of 90,000 bonus miles. Plus, earn an additional 10,000 bonus miles after you make an eligible Delta purchases within your first six months. Offer Ends 10/25/23. You earn 3X miles on direct Delta purchases, as well as purchases made directly with hotels. All other eligible purchases earn 1X miles. High rollers can earn 10,000 MQMs each year after spending $25,000, plus 10,000 additional MQMs each year after spending $50,000. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the card. Learn more at delta.com/skymilesprogramchanges. This all comes with Delta perks such as a companion fare, a complimentary checked bag, priority boarding, 20% discount on in-flight items, and discounted Delta Sky Club access.

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Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35.

Bottom Line

If your ultimate goal is to snag Delta status, this card can put you on the right track, all while you enjoy Delta frills like priority boarding and a complimentary checked bag.

Highlights

Limited Time Offer: Earn 90,000 Bonus Miles after you spend $8,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/23.
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.
You can receive a domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Earn more miles on big purchases with 1.5 miles per dollar on single eligible purchases of $5,000 or more (that's an extra half mile per dollar), up to 50,000 additional miles per Calendar year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta and hotels instead of 1.5X).
Delta Sky Club® Access - Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family while flying together on Delta. Effective 1/1/24, this benefit will no longer be available.
With Status Boost®, earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to 2x per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
Terms and limitations apply.

Rates & Fees

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: 20.99% - 29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR CASH BACK REWARDS FOR BUSINESS

The American Express Blue Business Cash™ Card

Our rating:4.4

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Rewards rate

2%: 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.

Intro offer: No current offer

Annual fee: No annual fee

Regular APR: 18.49% - 26.49% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.4

Rating methodology

Rewards Value: 3.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 5.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Business owners can earn a high cash back of 2% on all eligible purchases up to $50,000 per calendar year, then 1% on all eligible purchases after. Plus, the Blue Business Cash’s favorable APR rates, Working Capital Terms and flexible credit limit could provide your business with cash should it ever need it. All this and no annual fee.

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Pros

There’s no annual fee for this card.
Cash back is applied as a statement credit at the end of each billing cycle.

Cons

The 2% cash back rate is limited to $50,000 in purchases annually (then 1%).
Big business spenders may be able to find a more lucrative business credit card, albeit for an annual fee.

Bottom Line

Besides a generous cash back rate, The American Express Blue Business Cash™ Card offers an excellent range of financing options if your business needs cash flow assistance.

Highlights

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors as determined at the time of account opening. APRs will not exceed 29.99%
Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%. Cash back earned is automatically credited to your statement.
From workflow to inventory to floor plans, your business is constantly changing. That’s why you’ve got the power to spend beyond your credit limit with Expanded Buying Power.
Just remember, the amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us and other factors.
No Annual Fee
Terms Apply

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 18.49% - 26.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA PERKS

Delta SkyMiles® Reserve Business American Express Card

Our rating:4.7

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Rewards rate

3X: Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
1.5X: After you spend $150,000 on your Card in a calendar year, you earn 1.5 Miles per dollar (that’s an extra half mile per dollar) on eligible purchases the rest of the year.

Intro offer: Earn 100,000 Bonus Miles Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.

Annual fee: $550

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

The rewards rate is decent but the perks are the real star of the show here. Cardmembers receive complimentary Delta Sky Club access, Centurion Lounge access, a complimentary checked bag, priority boarding, a 20% discount on in-flight purchases, and the much-coveted annual companion certificate that allows a guest to accompany you on your paid ticket. And most important for business owners seeking a generous bonus: You can earn a limited time offer of 100,000 bonus miles after spending $12,000 in purchases in your first six months. Plus, earn an additional 10,000 bonus miles after you make eligible Delta purchases within your first six months. Offer Ends 10/25/2023.

Read the full review

Pros

There are no blackout dates on Delta flights.
You may book with miles combined with cash on some flights.

Cons

Fuel surcharges can be very high on some international flights.
There is a $25 fee for phone bookings. Ticket office bookings cost $35.

Bottom Line

This card gives business owners top-notch Delta perks including lounge access, complimentary bag check, discounts on in-flight purchases, priority boarding and more.

Highlights

Limited Time Offer: Earn 100,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Plus, earn an additional 10,000 Bonus Miles after you make an eligible Delta purchase with your new Card within your first 6 months. Offer Ends 10/25/2023.
Save 15% On Award Travel With TakeOff 15. Card Members now enjoy savings on Delta flights. Not applicable to partner-operated flights or to taxes and fees.
With complimentary access into Delta Sky Club®, you can relax before your Delta flight, or find downtime between connections.* You'll also receive two Delta Sky Club One-Time Guest Passes each year so you can share the experience with others when you're traveling together. *Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
When you purchase a Delta flight with your Delta SkyMiles Reserve Card, you will receive complimentary access to The Centurion® Lounge or Escape Lounge - The Centurion® Studio Partner.
After you spend $150,000 on your Card in a calendar year, you earn 1.5 miles per dollar (that's an extra half mile per dollar) on eligible purchases the rest of the year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply (ex. you would earn 3X miles on purchases made directly with Delta instead of 1.5X).
Enjoy 3x miles per dollar on Delta purchases.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status.* MQMs are used to determine Medallion Status and are different from the miles you earn towards flights.*Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more.
Terms and limitations apply.

Rates & Fees

Annual Fee: $550
Intro Purchase APR: N/A
Regular APR: 20.99% - 29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR STATUS CHASERS

Delta SkyMiles® Platinum American Express Card

Our rating:4.7

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Rewards rate

3X: 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.

Intro offer: Earn 50,000 miles Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.

Annual fee: $250

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Cardmembers have access to top Delta frills including inflight discounts, priority boarding, Delta Sky Club access, and the ever-popular annual companion certificate. Reward rates are high at 3X miles on Delta and eligible direct hotel purchases, 2X miles at U.S. supermarkets and restaurants worldwide, and 1X mile on all other eligible purchases.

Spend $3,000 in eligible purchases within the first six months of account opening and earn 50,000 bonus miles.

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Pros

Miles don’t expire so long as the account remains active.
There’s no limit on miles earned.

Cons

The $250 annual fee may be high for some.
There is a 75,000-mile limit per reservation.

Bottom Line

These card perks and generous reward rates will undoubtedly appeal to frequent travelers eager to rack up miles to put towards future trips.

Highlights

Earn 50,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Enjoy your first checked bag free on Delta flights. Plus enjoy Main Cabin 1 Priority Boarding and settle into your seat sooner.
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.
Earn 3X Miles on Delta purchases and purchases made directly with hotels.
Earn 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets.
Earn 1X Miles on all other eligible purchases.
Get access to Delta Sky Club® at a rate of $50 per person per visit for you and up to two guests or immediate family when traveling on a Delta flight from now until 12/31/23. Effective 1/1/24, this benefit will no longer be available.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Earn 10,000 Medallion® Qualification Miles (MQMs) after you spend $25,000 in purchases on your Delta Platinum Card, up to two times through 12/31/23. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
No Foreign Transaction Fees.
$250 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR BUSINESS REWARDS WITH NO ANNUAL FEE

The Blue Business® Plus Credit Card from American Express

Our rating:4.1

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Rewards rate

2X: Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners.
1X: 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.

Intro offer: No current offer

Annual fee: No annual fee

Regular APR: 18.49% - 26.49% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.1

Rating methodology

Rewards Value: 4.0
Annual Percentage Rate: 5.0
Rewards Flexibility: 4.0
Features: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Features such as Expanded Buying Power give small business owners a flexible credit limit (terms apply), plus the introductory APR offer on new purchases make financing more manageable. In addition, earn 2X points on eligible everyday purchases up to $50,000 annually, then 1X point after.

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Pros

Rewards can be transferred to a number of frequent flyer programs (terms apply).
Points don’t expire so long as the account remains active.

Cons

There is a fee for transferring points to loyalty programs.
There is also a fee for flights booked via the American Express Travel portal.

Bottom Line

With its generous and relatively uncomplicated rewards program, the Blue Business® Plus Credit Card from American Express is a good fit for small businesses with limited expenses, or as a companion to a card that earns big category bonuses.

Highlights

0.0% intro APR on purchases for 12 months from the date of account opening, then a variable rate, 18.49% - 26.49%, based on your creditworthiness and other factors at account opening. APR will not exceed 29.99%
Earn 2X Membership Rewards® points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter.
You've got the power to use your Card beyond its credit limit* with Expanded Buying Power.
*The amount you can spend above your credit limit is not unlimited. It adjusts with your use of the Card, your payment history, credit record, financial resources known to us, and other factors.
No Annual Fee
Terms Apply

Rates & Fees

Annual Fee: No annual fee
Intro Purchase APR: 0% on purchases for 12 months from date of account opening
Regular APR: 18.49% - 26.49% Variable
Intro Balance Transfers APR: N/A

BEST FOR MARRIOTT BUSINESS TRAVELERS

Marriott Bonvoy Business® American Express® Card

Our rating:4.6

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Rewards rate

6x: 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.

Intro offer: Earn 125,000 Bonus Marriott Bonvoy Points Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.

Annual fee: $125

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value: 5.0
Annual Percentage Rate: 4.0
Rewards Flexibility: 4.0
Features: 3.0
Issuer Customer Experience: 5.0

Why we like this card

The Marriott Bonvoy Business® American Express® Card makes it easy for business travelers to earn points with a high rewards rate and generous introductory offer. Eligible purchases at hotels participating in the Marriott Bonvoy program earn 6X points, restaurants worldwide and U.S. gas stations will earn you 4X points, and other eligible purchases earn 2X points.

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Pros

Cardholders receive automatic Gold Elite status.
There is a high redemption value for hotel and airline purchases.

Cons

Weekday travel redemptions can be high.
Less expensive hotels have a lower points value.

Bottom Line

This flexible rewards card comes with some great perks for business owners who frequently stay in Marriott and Ritz Carlton properties, including Gold Elite status and free in-room internet access.

Highlights

Limited Time Offer: Earn 125,000 Bonus Marriott Bonvoy Points after you use your new Card to make $8,000 in purchases within the first 6 months of Card Membership. Offer Ends 11/1/23.
Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly through Marriott. Terms and Conditions Apply.
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
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 points on all other eligible purchases.
Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
Terms apply.

Rates & Fees

Annual Fee: $125
Intro Purchase APR: N/A
Regular APR: 20.99% - 29.99% Variable
Intro Balance Transfers APR: N/A

BEST BUSINESS WELCOME BONUS

The Hilton Honors American Express Business Card

Our rating:4.5

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Rewards rate

12X: 12X directly with hotels & resorts in the Hilton portfolio.
6X: 6X on Select Business & Travel Purchases.
3X: 3X on all other eligible purchases. Terms & Limitations Apply.

Intro offer: Earn 130,000 Bonus Points Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.

Annual fee: $95

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.5

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 3.0
Features:: 5.0
Issuer Customer Experience: 5.0

Why we like this card

The Hilton Honors American Express Business Card comes with one of the biggest introductory bonuses available: You can earn 130,000 bonus points after you spend $3,000 in purchases in the first three months of card membership. The rewards rate is also high at 12X points at hotels/resorts in the Hilton portfolio, 6X points on select business and travel purchases, and 3X points on all other eligible purchases. Business owners on the go will appreciate the range of travel perks that come with the card such as 10 Priority Pass lounge visits annually (enrollment required) and complimentary Hilton Honors Gold status. Spend $40,000 on eligible purchases within the first year and upgrade to Hilton Honors Diamond status.

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Pros

This card charges no foreign transaction fees.
There are no limits on how many points you can earn.

Cons

Points for travel must be redeemed through the loyalty program.
Hilton points are inflated compared to other hotel points.

Bottom Line

With its large welcome offer and high rewards rate, the Hilton Honors American Express Business Card makes it easy to accumulate points while making the most of your Hilton Honors Gold status and great travel perks.

Highlights

Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership.
Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X directly with hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
Terms apply.

Rates & Fees

Annual Fee: $95
Intro Purchase APR: N/A
Regular APR: 20.99% - 29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR MARRIOTT STAYS

Marriott Bonvoy Brilliant® American Express® Card

Our rating:4.7

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Rewards rate

6X: Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®
3X: 3X points at restaurants worldwide and on flights booked directly with airlines
2X: 2X points on all other eligible purchases

Intro offer: Earn two 85K Free Night Awards Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023.

Annual fee: $650

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.7

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Along with a range of travel credits, lounge access, and other premium perks, the Marriott Bonvoy Brilliant® American Express® Card offers a high reward rate of 6X points on purchases at hotels participating in the Marriott Bonvoy program, 3X points at restaurants worldwide and directly booked flights, and 2X points on all other eligible purchases. You can also earn two 85K Free Night Awards after you spend $6,000 in purchases in your first six months (one night redemption level for each award at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy (certain hotels have resort fees). Offer ends 11/1/2023.

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Pros

You’ll have access to the world’s largest hotel network.
Points can be redeemed for hotel stays as well as flights, upgrades, cruises, merchandise and more.

Cons

Marriott points are inflated.
Hotels sometimes limit availability for standard rooms.

Bottom Line

If you’re looking for premium travel perks, and automatic Platinum elite status with the world’s largest hotel network, the Marriott Bonvoy Brilliant® American Express® Card delivers.

Highlights

Earn two 85K Free Night Awards after you spend $6,000 in purchases on the Card in your first 6 months. Each award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy. Card Members could enjoy a value of up to $1,200 when redeeming each reward. Certain hotels have resort fees. Offer ends 11/1/2023.
$300 Brilliant Dining Credit: Each calendar year, get up to $300 (up to $25 per month) for eligible purchases made on the Marriott Bonvoy Brilliant Card at restaurants worldwide.
With Marriott Bonvoy Platinum Elite status, you can receive room upgrades, including enhanced views or suites, when available at select properties and booked with a Qualifying Rate.
Earn 6X Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in Marriott Bonvoy®. 3X points at restaurants worldwide and on flights booked directly with airlines. 2X points on all other eligible purchases.
Marriott Brilliant Free Night Award: Receive 1 Free Night Award every year after your Card renewal month. Award can be used for one night (redemption level at or under 85,000 Marriott Bonvoy points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
Each calendar year after spending $60,000 on eligible purchases on your Marriott Bonvoy Brilliant® American Express® Card, you will be eligible to select an Earned Choice Award benefit. You can only earn one Earned Choice Award per calendar year. See https://www.choice-benefit.marriott.com/brilliant for Award options.
$100 Marriott Bonvoy Property Credit: Enjoy your stay. Receive up to a $100 property credit for qualifying charges at The Ritz-Carlton® or St. Regis® when you book direct using a special rate for a two-night minimum stay using your Card.
Fee Credit for Global Entry or TSA PreCheck®: Receive either a statement credit every 4 years after you apply for Global Entry ($100) or a statement credit every 4.5 years after you apply for a five-year membership for TSA PreCheck® (up to $85 through a TSA PreCheck official enrollment provider) and pay the application fee with your Marriott Bonvoy Brilliant® American Express® Card. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Each calendar year with your Marriott Bonvoy Brilliant® American Express® Card you can receive 25 Elite Night Credits toward the next level of Marriott Bonvoy® Elite status. Limitations apply per Marriott Bonvoy® member account. Benefit is not exclusive to Cards offered by American Express. Terms apply.
Enroll in Priority Pass™ Select, which offers unlimited access to over 1,200 lounges in over 130 countries, regardless of which carrier or class you are flying. This allows you to relax before or between flights. You can enjoy snacks, drinks, and internet access in a quiet, comfortable location.
No Foreign Transaction Fees on international purchases.
With Cell Phone Protection, you can be reimbursed, the lesser of, your repair or replacement costs following damage, such as a cracked screen, or theft for a maximum of $800 per claim when your cell phone line is listed on a wireless bill and the prior month's wireless bill was paid by an Eligible Card Account. A $50 deductible will apply to each approved claim with a limit of 2 approved claims per 12-month period. Additional terms and conditions apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
$650 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $650
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR HILTON STAYS + NO ANNUAL FEE

Hilton Honors American Express Card

Our rating:4.3

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Rewards rate

7X: Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
5X: Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
3X: Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.

Intro offer: Earn 80,000 points Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.

Annual fee: $0

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.3
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

This card comes with an excellent rewards rate on direct Hilton hotel stays at 7X points along with 5X points at U.S. restaurants, U.S. supermarkets, and U.S. gas stations, plus 3X points on general purchases. The introductory offer lets members earn 80,000 bonus points after you spend $1,000 in purchases in the first three months. Perhaps best of all, cardmembers also automatically receive silver elite status.

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Pros

This card charges no annual fee.
Hilton points are inflated compared to other hotel points.

Cons

Points for travel must be redeemed through the loyalty program.
People who don’t often stay and shop at Hilton properties may not see enough benefits to justify using this card.

Bottom Line

With its high rewards rate and generous welcome offer, the Hilton Honors American Express Card makes it easy to accumulate points while making the most of your silver elite status and other great perks.

Highlights

Earn 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio.
Earn 5X Hilton Honors Bonus Points for each dollar of eligible purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
Enjoy complimentary Hilton Honors Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
No Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR AIRLINE MILES

Delta SkyMiles® Gold American Express Card

Our rating:4.0

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Rewards rate

2X: Earn 2X Miles on Delta purchases, at restaurants worldwide, including takeout and delivery in the U.S. and at U.S. supermarkets.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 40,000 Miles Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.

Annual fee: $0 introductory annual fee for the first year, then $99

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.0

Rating methodology

Rewards Value:: 3.9
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Travelers hoping to quickly accumulate miles will find a lot to like about this card where miles have a much higher value than similar cards. Cardmembers earn 2X miles on Delta purchases, U.S. supermarkets, and restaurants around the world. All other eligible purchases earn 1X miles. Spend $2,000 on eligible purchases within the first six months of account opening and earn 40,000 bonus miles.

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Pros

Members have access to Delta’s extensive SkyTeam partner airlines.
There are no blackout dates and miles don’t expire so long as your account remains active.

Cons

Fuel surcharges on international flights can be very expensive.
There is a $25 fee for phone bookings. Ticket office bookings cost $35.

Bottom Line

With the Delta SkyMiles Gold American Express Card, Delta frequent flyers can quickly earn valuable rewards to put towards future travel, all while enjoying top-notch Delta perks like priority boarding and a complimentary checked bag.

Highlights

Earn 40,000 bonus miles after you spend $2,000 in purchases on your new Card in your first 6 months.
Enjoy a $0 introductory Annual Fee for the first year, then $99.
Enjoy your first checked bag free on Delta flights.
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.
Earn 2X Miles on Delta purchases, at U.S. Supermarkets and at restaurants worldwide, including takeout and delivery in the U.S.
Earn 1X Mile on all other eligible purchases.
$100 Delta Flight Credit: After you spend $10,000 in purchases on your Card in a calendar year, receive a Credit to use toward future travel.
Want even more flexibility? Take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit on eligible Delta in-flight purchases after using your Card.
No Foreign Transaction Fees.
With Send & Split®, you can send money and split your Card purchases with any other Venmo or PayPal user, directly from the Amex App. Enroll today.
Terms Apply.

Rates & Fees

Annual Fee: $0 introductory annual fee for the first year, then $99
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA MILES + NO ANNUAL FEE

Delta SkyMiles® Blue American Express Card

Our rating:3.4

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Rewards rate

2X: 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.

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: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:3.4

Rating methodology

Rewards Value:: 3.0
Annual Percentage Rate:: 1.2
Rewards Flexibility:: 4.4
Features:: 1.0
Issuer Customer Experience: 4.6

Why we like this card

This no-annual-fee card is a great way for infrequent travelers with a preference for Delta to earn miles thanks to a decent rewards rate. Earn 2X miles on Delta purchases as well as 2X miles at restaurants worldwide and 1X miles on all other eligible everyday spending. As an introductory bonus, new members can earn 10,000 miles after spending $1,000 in the first six months of membership.

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Pros

Cardmembers enjoy a 20% discount (received as a statement credit) on inflight purchases.
There are no blackout dates.

Cons

This card doesn’t come with a lot of perks that are included with more premium Delta cards, such as priority boarding or complimentary checked bags.
Fuel surcharges on international flights can be very expensive.

Bottom Line

For a no-annual-fee card, Delta flyers can earn a decent rewards rate, even on restaurant spending. Still, the lack of Delta perks may put off frequent travelers hoping for more.

Highlights

Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
No Annual Fee.
Earn 2X Miles per dollar at restaurants worldwide, plus takeout and delivery in the U.S.
Earn 2X Miles per dollar spent on Delta purchases, and 1X Mile on all other eligible purchases.
Pay with Miles: take up to $50 off the cost of your flight for every 5,000 miles you redeem with Pay with Miles when you book on delta.com.
Receive a 20% savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
No Foreign Transaction Fees.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST FOR DELTA PERKS

Delta SkyMiles® Reserve American Express Card

Our rating:4.3

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Rewards rate

3X: Earn 3X Miles on Delta purchases.
1X: Earn 1X Mile on all other eligible purchases.

Intro offer: Earn 60,000 miles Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.

Annual fee: $550

Regular APR: 20.99% - 29.99% variable

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

Overall rating

Our rating:4.3

Rating methodology

Rewards Value:: 4.5
Annual Percentage Rate:: 3.0
Rewards Flexibility:: 4.0
Features:: 4.0
Issuer Customer Experience: 5.0

Why we like this card

Routine Delta flyers looking for a way to up their Medallion status can get leg up thanks to this card’s excellent rewards rate and generous bonus opportunities. Cardmembers earn 3X miles on eligible Delta purchases and 1X mile on all other eligible purchases. If you spend $5,000 in purchases in your first six months, you can earn 60,000 bonus miles.

As if that weren’t enough, this card comes loaded with premium Delta perks such as unlimited complimentary seat upgrades, complimentary checked baggage on Delta flights and even priority boarding.

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Pros

There are no blackout dates on Delta flights.
Members have access to Delta’s extensive SkyTeam partner airlines.

Cons

The $550 annual fee may be more than some are willing to pay.
There is a 75,000-mile limit per reservation.

Bottom Line

Aside from its high rewards rate and big bonus opportunities, The Delta Reserve has all the perks that frequent travelers love: priority boarding, annual companion certificates for loved ones, complimentary checked bag and in-flight discounts.

Highlights

Earn 60,000 bonus miles after you spend $5,000 in purchases on your new Card in your first 6 months.
Enjoy Delta Sky Club® access at no cost and bring up to two guests or immediate family at a rate of $50 per person per visit. Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.
Enjoy complimentary access to The Centurion® Lounge when you book a Delta flight with your Reserve Card.
With Status Boost®, earn 15,000 Medallion Qualification Miles (MQMs) after you spend $30,000 in purchases on your Card through 12/31/23, up to four times per year getting you closer to Medallion Status. MQMs are used to determine Medallion Status and are different from the miles you earn towards flights. Effective 1/1/24, this benefit will no longer be available, and there will be a new way to earn toward Medallion Status with the Card. Learn more at delta.com/skymilesprogramchanges.
Eligible Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
Receive a domestic First Class, Delta Comfort+® or domestic Main Cabin round trip companion certificate each year upon renewal of your Card. Payment of the government imposed taxes and fees of no more than $80 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
Fee Credit for Global Entry or TSA PreCheck® after you apply through any Official Enrollment Provider. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck.
Enjoy your first checked bag free on Delta flights.
Earn 3X Miles on Delta purchases.
Earn 1X Mile on all other eligible purchases.
No Foreign Transaction Fees.
$550 Annual Fee.
Terms Apply.

Rates & Fees

Annual Fee: $550
Intro Purchase APR: N/A
Regular APR: 20.99%-29.99% Variable
Intro Balance Transfers APR: N/A

BEST BUSINESS CHARGE CARD

The Plum Card® from American Express

Our rating:2.4

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Rewards rate

1.5%: Get an unlimited 1.5% Early Pay Discount on eligible charges and see the discount applied to your next statement.

Intro offer: No current offer

Annual fee: $250‡

Regular APR: N/A

Recommended credit: 670-850 (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.

Overall rating

Our rating:2.4

Rating methodology

Rewards Value: 1.0
Annual Percentage Rate: 0.0
Rewards Flexibility: 3.5
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

This unique charge card allows business owners the flexibility to pay within a 60-day window without interest should they need the additional time. Cardmembers earn an unlimited 1.5% discount on eligible charges when paying their bill early each month.

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Pros

This card has no preset spending limit.
There is no foreign transaction fee.

Cons

This card does not offer a welcome bonus.
There is a $250 annual fee.

Bottom Line

This card is ideal for business owners who may experience cash flow delays from time to time and need the extra flexibility to pay down their balance without accruing interest. However, it’s important to note that this is a charge card, meaning the balance must be paid within the 60 days if not monthly. If your business carries a balance for months, a credit card is most likely a better fit.

Highlights

Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges 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 Please Pay By date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
No Foreign Transaction Fees.‡
Terms & Restrictions Apply.

Rates & Fees

Annual Fee: $250‡
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Featured

Blue Cash Everyday® Card from American Express

Our rating:4.8

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Rewards rate

3%: 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3%: 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3%: 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
1%: 1% Cash Back on other purchases.

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: 19.24% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 4.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 2.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

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Pros

Cardholders can earn a $200 statement credit after you spend $2,000 in purchases within the first six months.
There are no rotating categories or enrollments to keep track of.

Cons

Rewards cannot be transferred or combined with other cards.
The 3% cash back rate is capped at $6,000 in purchases annually in each category then drops to 1%.

Bottom Line

Highlights

Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
No Annual Fee.
Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%.
Get $7 back each month after using your Blue Cash Everyday Card to spend $12.99 or more each month on an eligible subscription to The Disney Bundle, which includes Disney+, Hulu, and ESPN+. Enrollment required.
Terms Apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: 0% on purchases for 15 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 15 months

More cash back cards from American Express

Blue Cash Preferred® Card from American Express

Our rating:4.6

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Rewards rate

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

Intro offer: Earn $250 Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.

Annual fee: $0 intro annual fee for the first year, then $95.

Regular APR: 19.24% - 29.99% variable

Recommended credit: 670-850 (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.

Overall rating

Our rating:4.6

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 1.0
Rewards Flexibility:: 3.0
Features:: 3.0
Issuer Customer Experience: 5.0

Why we like this card

Read the full review

Pros

Rewards can be redeemed for previous purchases.
There’s no enrollment required and no rotating categories to keep track of.

Cons

The 6% bonus at U.S. supermarkets is excellent, but it’s capped to $6,000 in annual purchases, then 1%.
In addition, the 3% and 6% rewards are only applicable to U.S. purchases.

Bottom Line

Highlights

Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
$0 intro annual fee for the first year, then $95.
Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
6% Cash Back on select U.S. streaming subscriptions.
3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
1% Cash Back on other purchases.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit
Get up to $120 in statement credits annually when you pay for an Equinox+ membership at equinoxplus.com with your Blue Cash Preferred® Card. That’s $10 in statement credits each month. Enrollment required.
Thinking about getting The Disney Bundle which includes Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $12.99 or more each month on an eligible subscription with your Blue Cash Preferred Card. Enrollment required.
Terms Apply.

Rates & Fees

Annual Fee: $0 intro annual fee for the first year, then $95.
Intro Purchase APR: 0% on purchases for 12 months
Regular APR: 19.24% - 29.99% Variable
Intro Balance Transfers APR: 0% on balance transfers for 12 months

The Plum Card® from American Express

Our rating:2.4

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Rewards rate

1.5%: Get an unlimited 1.5% Early Pay Discount on eligible charges and see the discount applied to your next statement.

Intro offer: No current offer

Annual fee: $250‡

Regular APR: N/A

Recommended credit: 670-850 (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.

Overall rating

Our rating:2.4

Rating methodology

Rewards Value: 1.0
Annual Percentage Rate: 0.0
Rewards Flexibility: 3.5
Features: 3.8
Issuer Customer Experience: 4.6

Why we like this card

Read the full review

Pros

This card has no preset spending limit.
There is no foreign transaction fee.

Cons

This card does not offer a welcome bonus.
There is a $250 annual fee.

Bottom Line

Highlights

Paying early pays off: get an unlimited 1.5% Early Pay Discount on eligible charges 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 Please Pay By date.
Take up to 60 days to pay with no interest‡, when you pay your minimum due by the Payment Due Date.
Use the power of the Plum Card to buy big for your business.
No Foreign Transaction Fees.‡
Terms & Restrictions Apply.

Rates & Fees

Annual Fee: $250‡
Intro Purchase APR: N/A
Regular APR: N/A
Intro Balance Transfers APR: N/A

Featured

American Express® Gold Card

Our rating:5.0

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Rewards rate

4X: Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4X: Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3X: Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer: 60,000 points Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual fee: $250

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:5.0

Rating methodology

Rewards Value:: 4.8
Annual Percentage Rate:: 2.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Why we like this card

Read the full review

Pros

There are no foreign transaction fees.
There are a lot of airline transfer partners, including Delta.

Cons

The annual fee of $250 may be more than some are willing to spend.
Many of this card’s credits carry caveats that can make them a bit confusing to capitalize on.

Bottom Line

Highlights

Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
$120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
$120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
Choose the color that suits your style. Gold or Rose Gold.
No Foreign Transaction Fees.
Annual Fee is $250.
Terms Apply.

Rates & Fees

Annual Fee: $250
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

More travel cards from American Express

The Platinum Card® from American Express

Our rating:4.8

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Rewards rate

5X: Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year.
5X: Earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.

Intro offer: Earn 80,000 points Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.

Annual fee: $695

Regular APR: See Pay Over Time APR

Recommended credit: 670-850 (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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

See if you’re pre-approved for this card using our CardMatch tool.

Overall rating

Our rating:4.8

Rating methodology

Rewards Value:: 5.0
Annual Percentage Rate:: 4.0
Rewards Flexibility:: 4.0
Features:: 5.0
Issuer Customer Experience:: 5.0

Why we like this card

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Pros

This card includes perks such as lounge access, a statement credit for Global Entry or TSA Precheck, Uber Cash credit annually (on U.S. rides and eats), up to a $189 CLEAR® Plus annual credit for your membership, Hilton Honors gold status (enrollment required) and Uber VIP status.
There are no blackout dates.

Cons

Travel rewards must be redeemed through American Express Travel.
If you don’t travel often, you may be better served by a card with a lower annual fee.

Bottom Line

Eager travelers will find a lot of value in this luxury travel card, from its long list of perks, credits, and travel protections to its decent rewards rate and welcome bonus.

Highlights

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum Card®, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
$200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
$240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, SiriusXM, and The Wall Street Journal. Enrollment required.
$155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership (subject to auto-renewal) with a statement credit after you pay for Walmart+ each month with your Platinum Card®. Cost includes $12.95 plus applicable local sales tax. Plus Up Benefits are excluded.
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
$200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only.
$300 Equinox Credit: Get up to $300 back in statement credits per calendar year on an Equinox membership, or an Equinox club membership (subject to auto-renewal) when you pay with your Platinum Card®. Enrollment required. Visit https://platinum.equinox.com/ to enroll.
$189 CLEAR® Plus Credit: Breeze through security with CLEAR Plus at 100+ airports, stadiums, and entertainment venues nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Platinum Card®. Learn more.
$100 Global Entry Credit: Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
$300 SoulCycle At-Home Bike Credit: Get a $300 statement credit for the purchase of a SoulCycle at-home bike with your Platinum Card®. An Equinox+ subscription is required to purchase a SoulCycle at-home bike and access SoulCycle content. Must charge full price of bike in one transaction. Shipping available in the contiguous U.S. only. Enrollment Required.
Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
$695 annual fee.
Terms Apply.

Rates & Fees

Annual Fee: $695
Intro Purchase APR: N/A
Regular APR: See Pay Over Time APR
Intro Balance Transfers APR: N/A

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