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BEST FOR LUXURY TRAVEL PERKS
The Platinum Card® from American Express
Our rating:4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

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.

At A Glance

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
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.
BEST FOR DINING REWARDS
American Express® Gold Card
Our rating:5.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

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.

At A Glance

Intro offer
60,000 Membership Rewards® Points Earn 60,000 Membership Rewards® Points after you spend $6,000 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
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.
BEST FOR NO ANNUAL FEE
Blue Cash Everyday® Card from American Express
Our rating:4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

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, then 1%.
1%
1% Cash Back on other purchases.

At A Glance

Intro offer
Earn $200 Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
Annual fee
$0
Regular APR
19.24% - 29.99% variable
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.

More Cards from American Express

BEST FOR HIGH CASH BACK RATES
Blue Cash Preferred® Card from American Express
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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 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
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.
BEST FOR SMALL BUSINESS TRAVEL
American Express® Business Gold Card
Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

4X
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
3X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
1X
1X is earned for other purchases. **

At A Glance

Intro offer
Earn 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
$375
Regular APR
19.49% - 27.49% variable
BEST FOR LUXURY BUSINESS TRAVEL PERKS
The Business Platinum Card®  from American Express
Our rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

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
BEST FOR DELTA-LOYAL SMALL BUSINESS OWNERS
Delta SkyMiles® Gold Business American Express Card
Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

2X
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.

At A Glance

Intro offer
Earn 80,000 Bonus Miles Limited Time Offer: Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.99% - 29.99% variable
BEST FOR HILTON HOTEL STAYS
Hilton Honors American Express Surpass® Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X
Earn 3X Points for all other eligible purchases on your Card.

At A Glance

Intro offer
Earn 155,000 points Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Annual fee
$150
Regular APR
20.99% - 29.99% variable
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.
BEST FOR STATUS-CHASING BUSINESS TRAVELERS
Delta SkyMiles® Platinum Business American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

1.5X
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

At A Glance

Intro offer
Earn 100,000 Bonus Miles Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$350
Regular APR
20.99% - 29.99% variable
BEST FOR CASH BACK REWARDS FOR BUSINESS
The American Express Blue Business Cash™ Card
Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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 offer
$250 statement credit Earn a $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
Annual fee
No annual fee
Regular APR
18.49% - 26.49% variable
BEST FOR DELTA PERKS
Delta SkyMiles® Reserve Business American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

3X
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
1.5X
Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

At A Glance

Intro offer
Earn 110,000 Bonus Miles Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$650
Regular APR
20.99% - 29.99% variable
BEST FOR STATUS CHASERS
Delta SkyMiles® Platinum American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

At A Glance

Intro offer
Earn 90,000 miles Earn 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months.
Annual fee
$350
Regular APR
20.99% - 29.99% variable
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.
BEST FOR BUSINESS REWARDS WITH NO ANNUAL FEE
The Blue Business® Plus Credit Card from American Express
Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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 offer
15,000 Membership Rewards® points Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Annual fee
No annual fee
Regular APR
18.49% - 26.49% variable
BEST FOR MARRIOTT BUSINESS TRAVELERS
Marriott Bonvoy Business® American Express® Card
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

Intro offer
Five Bonus Free Night Awards Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.
Annual fee
$125
Regular APR
20.99% - 29.99% variable
BEST BUSINESS WELCOME BONUS
The Hilton Honors American Express Business Card
Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

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
BEST FOR MARRIOTT STAYS
Marriott Bonvoy Brilliant® American Express® Card
Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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

At A Glance

Intro offer
Earn 185,000 Marriott Bonvoy bonus points Earn 185,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership.
Annual fee
$650
Regular APR
20.99% - 29.99% variable
BEST FOR HILTON STAYS + NO ANNUAL FEE
Hilton Honors American Express Card
Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

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

At A Glance

Intro offer
Earn 100,000 points Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 4/17/24.
Annual fee
$0
Regular APR
20.99% - 29.99% variable
BEST FOR AIRLINE MILES
Delta SkyMiles® Gold American Express Card
Our rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

At A Glance

Intro offer
Earn 70,000 Miles Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.99% - 29.99% variable
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.
BEST FOR DELTA MILES + NO ANNUAL FEE
Delta SkyMiles® Blue American Express Card
Our rating:3.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

At A Glance

Intro offer
Earn 10,000 miles Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual fee
$0
Regular APR
20.99% - 29.99% variable
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.
BEST FOR DELTA PERKS
Delta SkyMiles® Reserve American Express Card
Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

Rewards rate

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

At A Glance

Intro offer
Earn 100,000 miles Earn 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months.
Annual fee
$650
Regular APR
20.99% - 29.99% variable
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.
BEST BUSINESS CHARGE CARD
The Plum Card® from American Express
Our rating:2.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

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

At A Glance

Intro offer
No current offer
Annual fee
$250‡
Regular APR
N/A

More cash back cards from American Express

Blue Cash Preferred® Card from American Express
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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 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
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.
The Plum Card® from American Express
Our rating:2.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

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

At A Glance

Intro offer
No current offer
Annual fee
$250‡
Regular APR
N/A

More travel cards from American Express

The Platinum Card® from American Express
Our rating:4.8 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

At A Glance

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
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.
Hilton Honors American Express Surpass® Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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 Points for each dollar of purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
4X
Earn 4X Points for each dollar on U.S. Online Retail Purchases.
3X
Earn 3X Points for all other eligible purchases on your Card.

At A Glance

Intro offer
Earn 155,000 points Earn 155,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors American Express Surpass® Card in your first 6 months of Card Membership.
Annual fee
$150
Regular APR
20.99% - 29.99% variable
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.
Delta SkyMiles® Platinum Business American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

1.5X
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

At A Glance

Intro offer
Earn 100,000 Bonus Miles Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$350
Regular APR
20.99% - 29.99% variable
The Hilton Honors American Express Business Card
Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

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
Delta SkyMiles® Gold American Express Card
Our rating:4.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

At A Glance

Intro offer
Earn 70,000 Miles Earn 70,000 Bonus Miles after you spend $3,000 in purchases on your new Card in your first 6 months.
Annual fee
$0 introductory annual fee for the first year, then $150.
Regular APR
20.99% - 29.99% variable
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.
Delta SkyMiles® Gold Business American Express Card
Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

2X
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.

At A Glance

Intro offer
Earn 80,000 Bonus Miles Limited Time Offer: Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.99% - 29.99% variable
Delta SkyMiles® Blue American Express Card
Our rating:3.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply
Clicking “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.

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.

At A Glance

Intro offer
Earn 10,000 miles Earn 10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months.
Annual fee
$0
Regular APR
20.99% - 29.99% variable
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.
Delta SkyMiles® Reserve Business American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

3X
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
1.5X
Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

At A Glance

Intro offer
Earn 110,000 Bonus Miles Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$650
Regular APR
20.99% - 29.99% variable
Hilton Honors American Express Card
Our rating:4.3 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

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

At A Glance

Intro offer
Earn 100,000 points Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 4/17/24.
Annual fee
$0
Regular APR
20.99% - 29.99% variable
Marriott Bonvoy Business® American Express® Card
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

Intro offer
Five Bonus Free Night Awards Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.
Annual fee
$125
Regular APR
20.99% - 29.99% variable

More business cards from American Express

The Blue Business® Plus Credit Card from American Express
Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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 offer
15,000 Membership Rewards® points Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
Annual fee
No annual fee
Regular APR
18.49% - 26.49% variable
Delta SkyMiles® Platinum Business American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

1.5X
Earn 1.5X miles* on eligible transit and U.S. shipping purchases, plus single eligible purchases of $5,000 or more. Terms and miles cap apply. *If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

At A Glance

Intro offer
Earn 100,000 Bonus Miles Limited Time Offer: Earn 100,000 Bonus Miles after spending $8,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$350
Regular APR
20.99% - 29.99% variable
American Express® Business Gold Card
Our rating:4.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

4X
Earn 4X Membership Rewards® points on the 2 categories where your business spends the most each billing cycle from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
3X
Earn 3X Membership Rewards® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.
1X
1X is earned for other purchases. **

At A Glance

Intro offer
Earn 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
$375
Regular APR
19.49% - 27.49% variable
The Business Platinum Card®  from American Express
Our rating:4.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

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
The Plum Card® from American Express
Our rating:2.4 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

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

At A Glance

Intro offer
No current offer
Annual fee
$250‡
Regular APR
N/A
The Hilton Honors American Express Business Card
Our rating:4.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

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
Delta SkyMiles® Gold Business American Express Card
Our rating:4.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

2X
Earn 2 miles per dollar spent on purchases at U.S. Shipping providers and at U.S. providers for Advertising in select media on up to $50,000 of purchases per category, per year.
2X
Earn 2 Miles on every dollar spent on eligible purchases made directly with Delta and on every eligible dollar spent at restaurants.
1X
Earn 1 Mile on every eligible dollar spent on purchases.

At A Glance

Intro offer
Earn 80,000 Bonus Miles Limited Time Offer: Earn 80,000 Bonus Miles after spending $6,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$0 introductory annual fee for the first year, then $150
Regular APR
20.99% - 29.99% variable
Delta SkyMiles® Reserve Business American Express Card
Our rating:4.7 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

Rewards rate

3X
Earn 3 Miles on every dollar spent on eligible purchases made directly with Delta.
1.5X
Earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases, plus all eligible purchases after you spend $150,000 in purchases on your Card in a year. If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.

At A Glance

Intro offer
Earn 110,000 Bonus Miles Limited Time Offer: Earn 110,000 Bonus Miles after spending $12,000 in purchases on your new Card in your first 6 months of Card Membership. Offer Ends 3/27/24.
Annual fee
$650
Regular APR
20.99% - 29.99% variable
Marriott Bonvoy Business® American Express® Card
Our rating:4.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
See Rates & Fees, Terms Apply

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.

At A Glance

Intro offer
Five Bonus Free Night Awards Earn five Free Night Awards after you use your new Card to make $8,000 in eligible purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees. Offer Ends 3/20/24.
Annual fee
$125
Regular APR
20.99% - 29.99% variable
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All information about the American Express Cash Magnet® Card and American Express® Green Card has been collected independently by CreditCards.com and has not been reviewed by the issuer. The American Express Cash Magnet Card is no longer available through CreditCards.com.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.


Comparing the best American Express credit cards

Credit CardBest UseAnnual FeeCreditCards.com Rating
The Platinum Card® from American ExpressLuxury travel perks$6954.4 / 5
American Express® Gold CardDining rewards$250 4.5 / 5
Blue Cash Everyday® Card from American ExpressNo annual fee$04.8 / 5
Blue Cash Preferred® Card from American ExpressHigh cash back rates$0 intro annual fee for the first year, then $95.4.6 / 5
American Express® Business Gold CardSmall business travel$3753.5 / 5
The Business Platinum Card® from American ExpressLuxury business travel perks$6954.5 / 5
Delta SkyMiles® Gold Business American Express CardDelta-loyal small business owners$0 introductory annual fee for the first year, then $1504.5 / 5
Hilton Honors American Express Surpass® CardHilton hotel stays$1504.7 / 5
Delta SkyMiles® Platinum Business American Express CardStatus-chasing business travelers$3504.8 / 5
The American Express Blue Business Cash™ CardCash back rewards for businessNo annual fee3.8 / 5
Delta SkyMiles® Platinum American Express CardStatus chasers$3504.4 / 5
Delta SkyMiles® Gold American Express CardAirline miles$0 introductory annual fee for the first year, then $150.4.0 / 5
The Blue Business® Plus Credit Card from American ExpressBusiness rewards with no annual feeNo annual fee4.0 / 5
American Express Green CardEveryday travel$1504.5 / 5

Editor’s picks: American Express credit cards

Best for luxury travel perks: The Platinum Card® from American Express

  • Best features: One of the best travel credit cards on the market, the Platinum Card offers a bevy of luxury travel benefits, including airport lounge access, a statement credit for Global Entry or TSA PreCheck, an Uber cash credit, up to a $189 CLEAR® Plus annual credit for your membership and no foreign transaction fees (see rates and fees).
  • Biggest drawbacks: That laundry list of premium travel benefits come with a $695 annual fee, not waived the first year.
  • Alternative: The Capital One Venture X Rewards Credit Card has a smaller annual fee of $395 and has luxury perks including lounge access. Learn more about the Capital One Venture X vs. Amex Platinum Card.
  • Bottom line: With its first-rate travel perks, The Platinum Card from American Express offers an excellent value for frequent travelers.

Read our Platinum Card from American Express review or jump back to this card’s offer details.

Best for dining rewards: American Express® Gold Card

  • Best features: The American Express Gold Card has superb rewards for dining, shopping and traveling. Now available in rose gold, it earns 4X points at restaurants and 4X points at U.S. supermarkets up to $25,000 in purchases per calendar year before converting to 1X. Furthermore, it earns 3X points on flights booked directly with airlines or through amextravel.com, making it a well-rounded card.
  • Biggest drawbacks: There’s a $250 annual fee (not waived the first year).
  • Alternative: If your budget can’t handle high fees, you can still earn high rewards if you’re willing to juggle multiple credit cards. The Capital One SavorOne Cash Rewards Credit Card offers 3% cash back for dining and doesn’t charge an annual fee. Pair it with the Blue Cash Preferred® Card from American Express ($0 intro annual fee for the first year, then $95), which offers an impressive 6% cash back at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%). Both come with even more rewards-earning opportunities, making it a powerful combination to have in your wallet.
  • Bottom line: Frequent travelers will get the most use of its travel benefits and other opportunities, particularly the 4X and 3X earning categories that make it easy to maximize Membership Rewards points to then turn into trips.

Read our American Express Gold Card review or jump back to this card’s offer details.

Best for no annual fee: Blue Cash Everyday® Card from American Express

  • Best features: The Blue Cash Everyday is the mini-me of the Blue Cash Preferred, with excellent cash back on groceries and when filling up your car, but with no annual fee. Earn 3% back at U.S. supermarkets, U.S. gas stations and on U.S. online retail purchases on up to $6,000 in purchases per year in each category (then 1%), perfect for the growing family.
  • Biggest drawbacks: The spending cap may be easily topped by families with big grocery budgets.
  • Alternative: Depending on how much you spend, the Blue Cash Preferred from American Express might offer more bang for your buck, despite the $95 annual fee ($0 intro annual fee for the first year). For more information, take a look at when a credit card with an annual fee is worth it.
  • Bottom line: Large families stand to do very well in these featured rewards categories. Plus, the 0% intro APR on purchases and balance transfers for the first 15 months (19.24% to 29.99% variable APR thereafter) is attractive to those who want to make a large purchase or pay off some debt and carry the balance for a bit.

Read our Blue Cash Everyday Card from American Express review or jump back to this card’s offer details.

Best for high cash back rates: Blue Cash Preferred® Card from American Express

  • Best features: We love this card’s generous cash back rates. Earn 6% cash back at U.S. supermarkets (up to $6,000 in purchases per year, then 1%); 6% cash back on select U.S. streaming subscriptions and 3% cash back at U.S. gas stations and on transit. It also offers 1% cash back on general purchases.
  • Biggest drawbacks: The 6% bonus at U.S. supermarkets is great, though it’s capped to $6,000 in purchases per year and 1% thereafter. There is a $95 annual fee ($0 intro annual fee for the first year).
  • Alternative: If you don’t get the most value from grocery shopping, the Citi Custom Cash® Card lets you decide how you want to earn high rewards, offering 5% cash back on up to $500 spent each billing cycle in your top eligible spending category, then 1%. Learn more about the Citi Custom Cash Card vs. American Express Blue Cash Preferred.
  • Bottom line: The Blue Cash Preferred card offers a high cash back rate on categories that will appeal to big families on the go.

Read our Blue Cash Preferred from American Express review or jump back to this card’s offer details.

Best for small business travel: American Express® Business Gold Card

  • Best features: Despite the fact that the introductory bonus has decreased slightly since last year, this card still offers a decent value to small business owners who stand to earn 70,000 points after spending $10,000 on eligible purchases in the first three months of card membership. That’s in addition to potential bonus rewards in two select categories each month such as gas and travel.
  • Biggest drawbacks: There is an annual fee of $375, and if your spending doesn’t align with the bonus categories, you’ll get little value out of this card. Plus, depending on what you decide to do with your rewards, you may lose out on some value. While there are several ways you can use your points, redeeming for travel is consistently the most valuable route.
  • Alternative: Instead of earning 4X points in two select business categories each month, the Capital One Spark Miles for Business is a flat-rate credit card that offers an unlimited 2X miles per dollar on every purchase, giving you more freedom to earn rewards on your everyday purchases.
  • Bottom line: Small-business owners who hope to rack up points to put towards travel will appreciate the flexible bonus rewards, lack of foreign transaction fee (see rates and fees), and other travel perks associated with the American Express® Business Gold Card.

Read our American Express® Business Gold Card review or jump back to this card’s offer details.

Best for luxury business travel perks: The Business Platinum Card® from American Express

  • Best features: With a whopper of an introductory offer and excellent travel benefits, the Business Platinum Card from American Express is a solid card for high-spending business owners on the go. Earn up to 120,000 points after spending $15,000 on eligible purchases in the first three months of membership. When booking through Amextravel.com, cardholders earn 2X points per dollar on eligible travel and a 35% bonus on points redeemed through Amextravel.com with your selected qualifying airline (up to 1,000,000 points per calendar year).
  • Biggest drawbacks: The high annual fee of $695 may scare away some business owners.
  • Alternative: The American Express® Business Gold Card might be a better fit for small-business travelers who don’t need all the luxury bells and whistles and who prefer a card with a smaller annual fee. Read more about the Amex Business Gold vs. Amex Business Platinum.
  • Bottom line: Small-business owners may balk at the high annual fee and the $15,000 spend requirement to satisfy the introductory offer, but high-budget, travel-happy businesses fit this card well.

Read our The Business Platinum Card® from American Express review or jump back to this card’s offer details.

Best for Delta-loyal small business owners: Delta SkyMiles® Gold Business American Express Card

  • Best features: Business travelers can earn 80,000 bonus miles after you spend $6,000 in eligible purchases within the first six months of card membership (limited time offer ends 3/27/24). You can also earn a credit of up to $200 for future Delta flights after spending $10,000 in a calendar year. Earn two miles per dollar on eligible direct Delta purchases, at restaurants and on U.S. purchases for advertising in select media and U.S. shipping purchases (on up to $50,000 in eligible purchases per category, per year), plus one mile per dollar on all other eligible purchases.
  • Biggest drawbacks: Compared to general-purpose travel cards, the redemption options are not as flexible. And if your business doesn’t fly Delta regularly, the welcome offer and travel perks will be lost on you.
  • Alternative: For greater flexibility, American Express® Business Gold Card is for small-business owners who aren’t loyal to just one airline.
  • Bottom line: The Delta SkyMiles® Gold Business American Express Card is a low-cost travel card best for small businesses located in or around a Delta hub city or people who like Delta as their preferred airline and who frequently spend in categories such as dining, shipping, and advertising.

Read our Delta SkyMiles® Gold Business American Express Card review or jump back to this card’s offer details.

Best for Hilton hotel stays: Hilton Honors American Express Surpass® Card

  • Best features: Cardholders earn 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points on eligible purchases at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases.
  • Biggest drawbacks: There’s a big annual spend requirement ($15,000) to earn a free night reward.
  • Alternative: It’s hard to beat all the Hilton perks you’ll get with the Surpass card, but if you aren’t tied to only one hotel brand, you may get better value out of the Chase Sapphire Preferred Card. Points are worth more when you book through Chase Ultimate Rewards and have greater flexibility.
  • Bottom line: The Hilton Honors American Express Surpass Card is ideal for the traveler who frequents the Hilton brand. Hilton loyalists can take advantage of elite status and Hilton’s expansive network of hotels and resorts around the world.

Read our Hilton Honors American Express Surpass Card review or jump back to this card’s offer details.

Best for business travelers seeking elevated status: Delta SkyMiles® Platinum Business American Express Card

  • Best features: This high-value travel card earns a welcome offer of 100,000 miles after spending $8,000 in purchases within the first six months of card membership (limited time offer ends 3/27/24).
  • Biggest drawbacks: There’s a $350 annual fee, and free lounge access isn’t one of this card’s perks.
  • Alternative: Busy travelers who want more flexibility in how they travel and earn rewards should check out the Chase Ink Business Preferred® Credit Card. It doesn’t come with all the exclusive Delta perks, but for $95 per year, it does have an impressive welcome bonus and offers 3 points per $1 dollar on the first $150,000 spent in combined travel and select business categories each year.
  • Bottom line: Business owners who want to enjoy elite status and who frequently fly Delta will find a lot of value in this card’s wide range of travel perks.

Read our Delta SkyMiles Platinum Business American Express Card review or jump back to this card’s offer details.

Best for cash back rewards for business: The American Express Blue Business Cash™ Card

  • Best features: With no annual fee, you can quickly rack up cash back for your business with this card. You’ll earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
  • Biggest drawbacks: The spending cap on 2% earnings will be a disappointment to businesses who can easily spend more than $50,000 per year.
  • Alternative: The Blue Business Plus Credit Card from American Express has a more complicated rewards program that can provide more value to small-business owners who want to maximize the amount of rewards they earn.
  • Bottom line: Start-ups and small businesses will appreciate the simplicity that this flat-rate rewards card offers.

Read our The American Express Blue Business Cash™ Card review or jump back to this card’s offer details.

Best for travelers who want elite status: Delta SkyMiles® Platinum American Express Card

  • Best features: This card includes an introductory bonus of 90,000 bonus miles after spending $4,000 in eligible purchases within the first six months of membership.
  • Biggest drawbacks: A $350 annual fee and no free lounge access.
  • Alternative: For a lower annual fee, the American Express Gold Card won’t get you elite status with Delta. But it offers more flexibility and its own sets of features and benefits that may be more appealing.
  • Bottom line: Frequent travelers and Delta loyalists will be delighted by the long list of travel perks, such as an annual companion certificate, discounts on inflight purchases, priority boarding and more.

Read our Delta SkyMiles® Platinum American Express Card review.

Best for airline miles: Delta SkyMiles® Gold American Express Card

  • Best features: In addition to Delta, travelers have its large network of airline partners to choose from. Best of all, miles don’t expire. Also, within your first six months you can earn 70,000 bonus miles after spending $3,000 in purchases.
  • Biggest drawbacks: This card doesn’t come with lounge access and won’t help you earn Delta’s elite status.
  • Alternative: The Capital One Venture Rewards Credit Card carries a slightly smaller $95 annual fee and provides better flexibility for people who are not loyal to Delta. The 5 miles per dollar on hotels and rental cars booked through Capital One Travel along with 2 miles per dollar on all other purchases will be a better fit for people who tend to spend a lot in areas that typically only earn 1 mile per dollar with other cards.
  • Bottom line: If you are a frequent traveler of Delta airlines, this card is a great option as you earn 2X miles on Delta purchases, at restaurants worldwide and at U.S. supermarkets.

Read our Delta SkyMiles Gold American Express Card review.

Best for business rewards with no annual fee: The Blue Business® Plus Credit Card from American Express

  • Best features: For small business owners, this is one of the best credit cards with no annual fee, thanks to its solid rewards and flexible financing features. Cardholders earn 2X points per dollar on everyday business purchases, up to $50,000 per year; and 1X point thereafter.
  • Biggest drawbacks: The spending cap will disappoint businesses with large expenses over $50,000.
  • Alternative: If you’re fine with redeeming your rewards for statement credits, the American Express Blue Business Cash™ Card is a better fit for small-business owners looking for a simple way to earn rewards. Learn more about the American Express Blue Business® Plus vs. Blue Business Cash™.
  • Bottom line: Frequent business travelers will appreciate the flexibility and features that come with The Blue Business Plus Credit Card from American Express.

Read The Blue Business Plus Credit Card from American Express review.

Best for everyday travel: American Express Green Card

  • Best features: Its expanded travel category makes it a great fit for commuters who use public transportation and rideshare services frequently. Additionally, it earns high rates for certain dining purchases.
  • Biggest drawbacks: The American Express Green Card has a $150 annual fee that may be hard to offset if you don’t fly frequently and use the CLEAR Plus and LoungeBuddy credits.
  • Alternatives: The Wells Fargo Autograph℠ Card, which comes with no annual fee, may be a better option for frequent commuters since it’s extremely low-cost.
  • Bottom line: The Amex Green Card is a solid option if you fly and commute often, as long as you take advantage of the LoungeBuddy and CLEAR Plus membership credits and redeem points for travel.

Read our American Express Green Card review or jump back to this card’s offer details.


What is an American Express credit card?

Seen as a gold standard in card services, American Express is both an issuer and a network. That means it issues cards and services them through its own network of merchants. American Express is known for excellent benefits, including no foreign transaction fees in the case of many cards and 2.7% in others (which is lower than many other cards).

But Amex is more than just a card issuer. In fact, it is tied with Chase for having the highest purchase volume of all credit card issuers in the U.S.

Services offered by American Express

  • Credit cards. Amex is perhaps best known for its luxury rewards credit cards, which offer premium benefits in exchange for a sometimes sizable annual fee. However, it does offer a few of the best cash back credit cards for everyday spending. With exclusive partnerships with Hilton and Delta, Amex also offers cards that reward mightily for loyalty.
  • Business cards. With a full suite of cards that cater to the business owner, Amex offers products that reward handsomely for business purchases.
  • Savings accounts. While not well known for this offering, Amex’s savings accounts are worth a look with interest rates well above competitors.
  • Personal loans. For the qualifying member, you can get a personal loan with well under 10% APR.

How to choose an American Express credit card

American Express’ catalog of options provide a variety of ways to earn and reap benefits while using your card. With several strong rewards cards, there are specific spenders who best fit Amex’s offers.

Who should get an Amex credit card

Travelers. When you want to earn hotel and airline points, American Express has some of the best travel rewards on the market. Amex travel cards offer lucrative rewards rates and high-end travel benefits. Guests frequenting Marriott, Hilton and Delta have lots of opportunity, plus, using American Express Travel to book trips with your card or redeem points for travel can come with bonus rewards and extra value.

Foodies. No matter where you get your meals, American Express has some of the best credit cards for food purchases. From the Blue Cash Preferred to the Gold and Platinum cards, cardmembers can find industry-leading rewards rates at U.S. supermarkets as well as top-notch rewards rates at restaurants.

Business owners. When you need a small-business credit card, Amex has you covered. Some come with no annual fee, while The Business Platinum Card carries a $695 annual price tag; some are built for simple cash back, others are for chasing travel points and loyalty status with airlines; some earn high-dollar welcome bonuses after spending a large amount, some are designed for a startup on a budget. No matter the case, your business could likely benefit from an Amex card.

Who should skip Amex credit cards?

Credit builders. If your credit history is less than stellar, it’s unlikely you’ll be approved for an American Express card. Amex cards come loaded with excellent member perks and typically require a FICO credit score in the range of 670 to 850. Those with credit scores outside this range would be better served by a card that allows them to build credit before moving up to an Amex.

Debt holders. Like some other financial institutions, Amex doesn’t offer balance transfers on its credit cards. So if you carry a lot of debt on other credit cards, check out balance transfer credit cards. Making interest-free payments for a limited time could help you save a lot of money.

Overseas spenders. When you travel abroad or make online purchases with foreign merchants, it’s helpful to have a credit card that is widely accepted and charges no foreign transaction fees. American Express has a large presence around the world, but it doesn’t match the global acceptance of Visa or Mastercard. Plus, most Amex credit cards charge a foreign transaction fee. (The ones that don’t will come with an annual fee or are a Hilton or Delta co-branded credit card.)

What programs does American Express offer?

Many American Express credit cards feature competitive base rewards programs and lucrative welcome offers. They also offer a number of valuable benefits that can prove useful when shopping or traveling. These benefits, which are not exclusive to Amex’s premium products, can include:

  • Extended warranty: When you make a purchase with your card, a one-year warranty is added to the original U.S. manufacturer’s warranty up to five years and for a maximum of $10,000. You can’t exceed $50,000 in a calendar year.
  • Purchase protection: When you make a purchase on your card, your purchases can be protected up to 90 days if stolen or accidentally damaged. It’s limited to $1,000 per item and $50,000 per cardmember per calendar year. With some premium cards, such as Platinum Card, the limit is $10,000 per item for up to $50,000 per calendar year.
  • Return protection: If a merchant won’t take back an eligible item within 90 days, Amex might reimburse you for the full amount minus shipping and handling for up to $300 per item and up to $1,000 per calendar year.
  • Shop small: A way to support both small businesses and their cardholders, this program is offered by many Amex cards to give you a chance at earning a bit of cash back when spending at select local merchants.
  • Transfer partners: If you want to get the biggest bang for your buck, transferring your miles to one of the many American Express airline partners is usually your best bet. Compare American Express transfer partners with our full guide and valuations.
  • Baggage insurance plan: A travel and business card benefit, this plan varies according to the corresponding card and the state you are in.
  • Car rental loss and damage insurance: Unlike some of the best Chase credit cards, this insurance is secondary, meaning it kicks in after other insurance, such as your personal insurance.
  • Global Assist® Hotline: Global Assist is available to all U.S. cardmembers and helps to prepare for your trip with customs information and destination guides. When you are more than 100 miles from home, benefits can include lost passport replacement assistance and translation services. There is also Premium Global Assist for superior products.
  • Statement credits: Depending on your card, you may have a few extra ways to save some money. The right Amex card will grant you statement credits to put towards travel purchases like Global Entry or TSA PreCheck and to help with paying for food through Uber Eats.
  • Travel insurance: This benefit varies by card. The most premium cards offer trip cancellation, interruption and delay insurance. Check out our guide to American Express travel insurance for card-by-card comparisons.
  • Lounge access: No matter what type of traveler you are, American Express has some of the best credit cards for airport lounge access. This includes the Green card’s budget-friendly LoungeBuddy credit and the Platinum card’s premium access to five lounge networks (good for over 1,300 lounges in over 140 countries). For more information, take a look at this guide to American Express lounges.

American Express also offers several flexible payment options on certain personal and business cards. These options can include:

  • Pay It, Plan It®: This feature, available on select personal cards, allows eligible cardholders to pay small purchase amounts (less than $100) right away through the American Express app. Alternatively, it lets them split up larger purchases (over $100) into monthly payments with a fixed fee. Learn if Amex’s Pay It Plan It is worth it.
  • Pay Over Time: This feature, available on select personal and business cards, lets eligible cardholders carry a balance on eligible purchases, with interest.
  • Working Capital Terms: This feature allows eligible business cardholders to get access to up to $150,000 in funding.
  • Expanded Buying Power: This feature allows eligible business cardholders to spend over your credit limit (terms apply).

What is the American Express Membership Rewards program?

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

Redemption options

  • Travel Rewards:
    • Transfer Points. American Express transfer partners help you get the most mileage out of your Membership Rewards points. Though not all transfers are instantaneous, Amex has widespread connections with multiple travel partners and most of them transfer points at a 1:1 rate.
    • Book a trip with points on AmexTravel.com. You can use them for part or all of your flight, or a prepaid hotel, vacation package or cruise booking.
  • Gift Cards: You can redeem for gift cards to more than 100 restaurants, retailers, or for entertainment or travel brands. You can also redeem for an Amex gift card that you can use at participating retailers.
  • Merchandise: Shop on MembershipRewards.com for such items as electronics, jewelry, sports equipment or home decor.
  • Shopping: You can use points when shopping online and in-store with participating merchants.
  • Charges: You can apply points toward eligible charges you’ve already made on your card.
  • Charity: Use your points to make donations through the online social platform JustGiving.

How we picked the best American Express credit cards

Methodology: We analyzed American Express’ suite of cards to identify its top products in popular credit card categories. Core criteria we considered in our analysis include:

  • Base rewards program: Does the card’s base rewards program offer a competitive return on spending for its card category (cash back, travel, business, etc.)?
  • Additional benefits: Does the card include applicable American Express services or benefits, like purchase protection, return protection, and an extended warranty for everyday spending cards, or baggage insurance, lounge access, or trip cancellation insurance for travel credit cards?
  • Welcome offer: Welcome offers let new cardholders earn extra rewards if they spend a certain amount of money in a specified time period, usually their first three months. They’re a short-term incentive, but often quite lucrative, and can tip the scales when cards offer similar base rewards and benefits. As such, we factored welcome offers in our analysis of the best American Express cards.
  • Annual fee: Does the card carry an annual fee? Given many Amex cards do, we assessed whether that fee could be offset by the card’s rewards program, welcome offer and any additional benefits. In other words, we considered the card’s potential value.
  • Annual percentage rates (APR) and/or flexible financing options: Where applicable, are the card’s APRs comparable to the average APR in its card category? Similarly, do cardholders have access to Amex’s flexible financing features? Note: It’s best practice to pay balances off in full on rewards credit cards so you don’t lose points, miles or cashback to interest.

Additional information on American Express credit cards

For more information on all things American Express credit cards, continue reading content from our credit card experts:


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