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Best for everyday spending
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

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

At A Glance

Intro Bonus
$250
Annual Fee
$95
Regular APR
14.99% - 25.99% variable
Best for rewards
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

4X
Earn 4X Membership Rewards® points when you dine at restaurants worldwide.
4X
Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per year in purchases, then 1X)
3X
Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

At A Glance

Intro Bonus
35,000 points
Annual Fee
$250
Regular APR
See Rates & Fees
Best for luxury perks
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

5X
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X
5X Membership Rewards points on prepaid hotels booked on amextravel.com.

At A Glance

Intro Bonus
60,000 points
Annual Fee
$550
Regular APR
N/A

More Cards from American Express

See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

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.

At A Glance

Intro Bonus
No current offer
Annual Fee
No annual fee
Regular APR
15.24% - 21.24% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating 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, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

At A Glance

Intro Bonus
130,000 points
Annual Fee
$95
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

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

At A Glance

Intro Bonus
No current offer
Annual Fee
No annual fee
Regular APR
15.24% - 21.24% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
1X
Earn 1X on other purchases
25%
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

At A Glance

Intro Bonus
$500
Annual Fee
$295
Regular APR
16.24% - 24.24% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
Earn 2 Miles per dollar spent on purchases made directly with Delta.
1X
Earn 1 mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
35,000 miles
Annual Fee
$195
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

2X
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
1X
Earn one mile for every eligible dollar you spend on other purchases.

At A Glance

Intro Bonus
30,000 Miles
Annual Fee
$0 introductory annual fee for the first year, then $95.
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

At A Glance

Intro Bonus
Up to 75,000 points
Annual Fee
$595
Regular APR
N/A

More cash back cards from American Express Credit Cards

See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

1.5%
Get a 1.5% discount when you pay early, with no cap on what you can earn back.

At A Glance

Intro Bonus
No current offer
Annual Fee
$0 intro annual fee, then $250
Regular APR
N/A

More travel cards from American Express Credit Cards

See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

5X
5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel.
5X
5X Membership Rewards points on prepaid hotels booked on amextravel.com.

At A Glance

Intro Bonus
60,000 points
Annual Fee
$550
Regular APR
N/A
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

12X
Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a participating 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, U.S. supermarkets, and U.S. gas stations
3X
Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card

At A Glance

Intro Bonus
130,000 points
Annual Fee
$95
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
Earn 2 Miles per dollar spent on purchases made directly with Delta.
1X
Earn 1 mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
35,000 miles
Annual Fee
$195
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

12X
12X at hotels & resorts in the Hilton portfolio
6X
6X on Select Business & Travel Purchases
3X
3X Everywhere Else. Terms & Limitations Apply.

At A Glance

Intro Bonus
125,000 points
Annual Fee
$95
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

2X
Earn 2 miles for every dollar spent on eligible purchases made directly with Delta.
1X
Earn one mile for every eligible dollar you spend on other purchases.

At A Glance

Intro Bonus
30,000 Miles
Annual Fee
$0 introductory annual fee for the first year, then $95.
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta.
1X
Earn 1 mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
30,000 miles
Annual Fee
$0 intro annual fee, then $95
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
2 miles per dollar at US restaurants.
2X
2 Miles per dollar spent on purchases made directly with Delta.
1X
1 mile on every eligible dollar spent on other purchases.

At A Glance

Intro Bonus
10,000 miles
Annual Fee
$0
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

2X
Earn 2 miles per dollar spent on eligible purchases made directly with Delta.
1X
Earn 1 mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
40,000 miles
Annual Fee
$450
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
90,000 points
Annual Fee
$0
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

6x
6x points at participating Marriott Bonvoy hotels.
4x
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x
2x points on all other eligible purchases.

At A Glance

Intro Bonus
75,000 points
Annual Fee
$125
Regular APR
17.74% - 26.74% variable

More business cards from American Express Credit Cards

See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

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

At A Glance

Intro Bonus
No current offer
Annual Fee
No annual fee
Regular APR
15.24% - 21.24% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

4X
Get 4X Membership Rewards® points on the 2 select categories where your business spent the most each month**
1X
Earn 1X on other purchases
25%
Airline Bonus: Get 25% points back after you use points for all or part of an eligible flight booked with Amex Travel, up to 250,000 points back per calendar year.*

At A Glance

Intro Bonus
$500
Annual Fee
$295
Regular APR
16.24% - 24.24% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

5X
Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
1.5X
Get 50% more Membership Rewards® points. That's 1.5 points per dollar, on each eligible purchase of $5,000 or more. You can get up to 1 million additional points per year.

At A Glance

Intro Bonus
Up to 75,000 points
Annual Fee
$595
Regular APR
N/A
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
1X
Earn one Membership Rewards® point for each dollar you spend on eligible purchases

At A Glance

Intro Bonus
5,000 Points
Annual Fee
$0 intro annual fee, then $95
Regular APR
N/A
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

12X
12X at hotels & resorts in the Hilton portfolio
6X
6X on Select Business & Travel Purchases
3X
3X Everywhere Else. Terms & Limitations Apply.

At A Glance

Intro Bonus
125,000 points
Annual Fee
$95
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Excellent

Credit Recommended (740-850)

Apply Now

Rewards Rate

2X
Earn 2 Miles per dollar spent on eligible purchases made directly with Delta.
1X
Earn 1 mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
30,000 miles
Annual Fee
$0 intro annual fee, then $95
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

2X
Earn 2 miles per dollar spent on eligible purchases made directly with Delta.
1X
Earn 1 mile on every eligible dollar spent on purchases.

At A Glance

Intro Bonus
40,000 miles
Annual Fee
$450
Regular APR
17.74% - 26.74% variable
See Rates & Fees, Terms Apply

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

6x
6x points at participating Marriott Bonvoy hotels.
4x
4x points at U.S. restaurants, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
2x
2x points on all other eligible purchases.

At A Glance

Intro Bonus
75,000 points
Annual Fee
$125
Regular APR
17.74% - 26.74% variable
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Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


Comparing American Express Credit Card Offers

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

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


Best American Express Credit Cards of 2019 - Expert Ratings

Credit CardBest UseAnnual FeeCreditCards.com Rating
Blue Cash Preferred® Card from American ExpressHigh cash back rates$954.3 / 5
American Express® Gold CardDining rewards$2504.3 / 5
The Platinum Card® from American ExpressLuxury travel perks$5504.5 / 5
American Express® Blue Business Cash CardCash back rewards for business$03.1 / 5
Hilton Honors American Express Surpass® CardHilton hotel stays$954.2 / 5
The Blue Business® Plus Credit Card from American ExpressBusiness rewards with no annual fee$04.2 / 5
American Express® Business Gold CardMultiple business reward categories$2953.1 / 5
Gold Delta SkyMiles® Credit Card from American ExpressAirline miles$95, $0 first year3.6 / 5
The Business Platinum® Card from American ExpressIntroductory bonus$5954.4 / 5

Details on the best Amex cards

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

Blue Cash Preferred from American Express

With a larger family, this card can help you maximize cash back. There's the $250 welcome bonus after you spend $1,000 within the first 3 months of card membership, as well as the 6% back at U.S. supermarkets (up to $6,000 spend in a year, then 1%). That means if you spend $500 a month on groceries, that comes to $360 for the year. This card also earns you 3% back at U.S. gas stations and transit, making your cash back even greater. Terms apply. There's a $95 annual fee, but that fee is quickly offset by the cash back you can get with this card.

American Express® Gold Card

As the revamped successor to the Premier Rewards Gold Card from American Express, the new American Express Gold Card has superb rewards for dining and shopping. It now earns 4X points at restaurants worldwide, and 4X points at U.S. supermarkets up to $25,000 in purchases per year before converting to 1%. Furthermore, it earns 3X points on flights booked directly with airlines or through amextravel.com, making it a very well-rounded card. While there is a $250 annual fee, there are also some notable benefits that offset it – namely, a $100 annual airline fee credit and a $120 annual dining credit (up to $10 per month) at participating locations.

The Platinum Card from American Express

If you travel often, this card offers a host of features that help to enhance your travel experience, including an annual Uber credit up to $200. As an elite travel credit card with access to exclusive airport lounges and 5X points for flights booked through airlines or American Express Travel, this card also gives you 60,000 points after a $5,000 spend within the first 3 months of card membership. Terms apply. Heads up that there's a $550 annual fee.

American Express® Blue Business Cash Card

With no annual fee, you can quickly rack up the business cash back with this card. You'll earn 2% cash back on all purchases up to $50,000 per calendar year (then 1%) Terms apply. This card also offers Expanded Buying Power, which means you can go over your limit, provided you meet certain criteria.

Hilton Honors American Express Surpass® Card

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

The rewards abound with this card, making its $95 annual fee worthwhile. There's a 130,000 points introductory bonus (after $4,000 in purchases within your first 4 months of membership); 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases. Terms apply.

The Blue Business® Plus Credit Card from American Express

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

As a business card, you can benefit from business purchases with 2X points on expenditures such as office supplies or client dinners (first $50,000 per year, then it's 1X point). Terms apply.

American Express® Business Gold Card

This card is ideal for the small-business owner who has a wide range of business-related expenditures. You'll earn 4X points on your 2 top spending categories (out of 6 possible categories) each month, for up to $150,000 in expenses each year. Categories include tickets purchased directly from airlines; U.S. advertising from select media; U.S. gas stations; U.S. restaurants; U.S. shipping; and select U.S. computer-related purchases. Terms apply.

Furthermore, there is a welcome offer of a $500 statement credit for purchasing qualifying services with FedEx within the first 3 months of Card membership - this is a limited time offer that ends 11/06/2019. While there is a $295 annual fee, it's a card worth considering for businesses that spend a meaningful amount on purchases in the 4X categories.

Gold Delta SkyMiles® Credit Card from American Express

If you are a frequent traveler of Delta airlines, this consumer card is a great option as you earn 2 miles per dollar spent through Delta. In addition to the 30,000 mile introductory offer for spending only $1,000 in the first 3 months, you get a $50 statement credit for making any Delta purchase during the same time period.

The Business Platinum® Card from American Express

This card offers an industry-leading introductory bonus of up to 75,000 points - 50,000 points for spending $10,000 in the first 3 months and an additional 25,000 points for spending an additional $10,000 during that time period. This introductory bonus is even more lucrative when you consider that American Express offers a 35% Airline Bonus and will credit you back 35% of your points when using those points to book eligible flights through amextravel.com

Keep in mind, The Business Platinum is a charge card so you are expected to pay your balance in full at the end of every billing cycle. This business card may not be the best choice if you plan on carrying a balance.

What is American Express?

Seen as a gold standard in card services, American Express is both an issuer and a network. That means it issues credit and charge cards and services them through its own network of merchants. American Express is known for its excellent benefits, including no foreign transaction fees in the case of many cards and 2.7% in others (which is lower than many other cards). American Express also offers a few charge cards, which allow you to potentially make a large charge at the point of sale because there is no pre-set credit limit.

But Amex is more than just a card issuer. In fact, it is the highest purchase volume card issuer in the U.S.

2018 purchase volume of credit cards, top issuers...

  • $755 billion
  • American Express
  • $739 billion
  • Chase
  • $410 billion
  • Citibank
  • $361 billion
  • Bank of America
  • $337 billion
  • Capital One
  • $146 billion
  • U.S. Bank
  • $139 billion
  • Discover
  • $134 billion
  • Wells Fargo

Source: Nilson Report Feb. 2019 chart, U.S. general purpose cards

American Express also offers savings accounts and even personal loans to qualifying members. Here are some of its services.

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

Satisfaction among Amex customers is consistently among the best in the industry. Take a look at how Amex fared in J.D. Power's most recent survey, on a scale of 1,000, with 1,000 as the best:

Customer satisfaction for credit card companies...

  •  836
  • Discover
  •  830
  • American Express
  •  806
  • Barclays
  •  804
  • Chase
  •  803
  • Capital One
  •  797
  • Citi
  •  791
  • Bank of America
  •  781
  • U.S. Bank
  •  777
  • Wells Fargo
  • J.D. Power 2018 credit card study

Amex Membership Rewards program and best redemption options

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

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

Other benefits of having an Amex card

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

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

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.