American Express Credit Cards

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

See the best credit card offers from American Express below.

Hilton Honors American Express Ascend Card

Hilton Honors American Express Ascend Card

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
125,000 points
?

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.

Annual Fee
$95
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

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Highlights

  • Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new Card to make $2,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 on purchases on your Card in a calendar year.
  • Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton Portfolio.
  • Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, U.S. supermarkets, and U.S. gas stations.
  • Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card.
  • Spend $40,000 on eligible purchases on your Card in a calendar year and you can earn Hilton Honors Diamond status through the end of the next calendar year.
  • $95 annual fee.
  • Terms Apply.

Rates & Fees

Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
17.49%-26.49% Variable
Intro Balance Transfers APR
N/A

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The Business Platinum® Card from American Express OPEN

The Business Platinum® Card from American Express OPEN

See Rates & Fees , Terms Apply

Excellent Credit Recommended (740-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
Up to 75,000 points
?

Welcome Offer: Earn up to 75,000 Membership Rewards® points. Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†

Annual Fee
$450
Regular APR
N/A

See Rates & Fees , Terms Apply

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Highlights

  • Welcome Offer: Earn up to 75,000 Membership Rewards® points.
  • Earn 50,000 Membership Rewards® points after you spend $10,000 and an extra 25,000 points after you spend an additional $10,000 all on qualifying purchases within your first 3 months of Card Membership.†
  • Get 5X Membership Rewards® points on flights and prepaid hotels on amextravel.com.
  • 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.
  • 35% Airline Bonus: Use Membership Rewards® Pay with Points for all or part of a flight with your selected qualifying airline, and you can get 35% of the points back, up to 500,000 bonus points per calendar year.
  • You can also receive 35% points back on all First and Business class flights, with all airlines available through American Express Travel.
  • You can enjoy access to The American Express Global Lounge Collection℠ offering access to the most lounges across the globe, when compared with other U.S. credit card offerings. As of 11/2017
  • Terms Apply

Rates & Fees

Annual Fee
$450
Intro Purchase APR
N/A
Regular APR
N/A
Intro Balance Transfers APR
N/A

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The Plum Card® from American Express OPEN

The Plum Card® from American Express OPEN

See Rates & Fees , Terms Apply

Excellent Credit Recommended (740-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$250, waived first year
Regular APR
N/A

See Rates & Fees , Terms Apply

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Highlights

  • Paying early pays off: Get a 1.5% discount when you pay early, with no cap on what you can earn back.
  • Take up to 60 days to pay with no interest, if you pay your minimum due.
  • Use the power of the Plum Card to buy big for your business.
  • Unlock new opportunities with a spending limit that can grow with your business.
  • Additional Employee Cards at no annual fee — and an early pay discount on employee spending.
  • No Foreign Transaction Fees.
  • Introductory annual fee of $0 for the first year, then $250
  • Terms & Restrictions Apply.

Rates & Fees

Annual Fee
$0 introductory annual fee your first year, then $250
Intro Purchase APR
N/A
Regular APR
N/A
Intro Balance Transfers APR
N/A

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Business Green Rewards Card from American Express OPEN

Business Green Rewards Card from American Express OPEN

See Rates & Fees , Terms Apply

Excellent Credit Recommended (740-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
5,000 Points
?

Earn 5,000 Membership Rewards® points after your first purchase on the Card

Annual Fee
$95, waived first year
Regular APR
N/A

See Rates & Fees , Terms Apply

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Highlights

  • Earn 5,000 Membership Rewards® points after your first purchase on the Card
  • Earn double Membership Rewards® points for each dollar of eligible purchases made when you book on the American Express Travel website
  • Earn one Membership Rewards® point for each dollar you spend on eligible purchases
  • Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment
  • $0 introductory annual fee for the first year, then $95
  • Terms & Limitations Apply

Rates & Fees

Annual Fee
$0 introductory annual fee for the first year, then $95
Intro Purchase APR
N/A
Regular APR
N/A
Intro Balance Transfers APR
N/A

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The Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
125,000 points
?

Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.

Annual Fee
$95
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

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Highlights

  • Welcome Offer: Earn 125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Business Card after you spend $3,000 in eligible purchases in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X on Select Business & Travel Purchases, 3X Everywhere Else. Terms & Limitations Apply.
  • Enjoy complimentary Gold status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Relax with 10 free airport lounge visits each year once enrolled in complimentary Priority Pass™ Select membership, which offers access to over 1,000 lounges in over 120 countries.
  • Terms apply.

Rates & Fees

Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
17.49%-26.49% Variable
Intro Balance Transfers APR
N/A

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Gold Delta SkyMiles® Credit Card from American Express

Gold Delta SkyMiles® Credit Card from American Express

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
60,000 miles
?

Earn 60,000 Bonus Miles after you make $3,000 in purchases on your new Card within your first 4 months. Offer expires on 9/19/2018.

Annual Fee
$95, waived first year
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

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Highlights

  • Limited Time Offer: Earn 60,000 Bonus Miles after you make $3,000 in purchases on your new Card within your first 4 months. Offer expires on 9/19/2018.
  • Earn 2 miles for every dollar spent on eligible purchases made directly with Delta. Earn 1 mile for every eligible dollar spent on purchases.
  • Check your first bag free on every Delta flight - that's a savings of up to $200 per round trip for a family of four.
  • Settle into your seat sooner with Priority Boarding.
  • Enjoy a $0 introductory annual fee for the first year, then $95.
  • Terms Apply.

Rates & Fees

Annual Fee
$0 introductory annual fee for the first year, then $95.
Intro Purchase APR
N/A
Regular APR
17.49%-26.49% Variable
Intro Balance Transfers APR
N/A

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Gold Delta SkyMiles® Business Credit Card from American Express

Gold Delta SkyMiles® Business Credit Card from American Express

See Rates & Fees , Terms Apply

Excellent Credit Recommended (740-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
60,000 miles
?

Earn 60,000 bonus miles after you make $3,000 in purchases on your new Card within your first 4 months.

Annual Fee
$95, waived first year
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

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Highlights

  • Make business travel more rewarding. Earn 60,000 bonus miles after you make $3,000 in purchases on your new Card within your first 4 months.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit when you use your American Express Delta Card.
  • Pay no foreign transaction fees when you spend overseas.
  • $0 introductory annual fee for the first year, then $95.
  • Terms and limitations apply

Rates & Fees

Annual Fee
$0 introductory annual fee for the first year, then $95
Intro Purchase APR
N/A
Regular APR
17.49% - 26.49% Variable
Intro Balance Transfers APR
N/A

View All Card Details

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Blue Delta SkyMiles® Credit Card from American Express

Blue Delta SkyMiles® Credit Card from American Express

See Rates & Fees , Terms Apply

Excellent Credit Recommended (740-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
10,000 miles
?

Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.

Annual Fee
$0
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

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Highlights

  • Earn 10,000 bonus miles after spending $500 in purchases on your new Card in your first 3 months.
  • No Annual Fee.
  • Earn 2 miles per dollar at US restaurants.
  • Earn 2 miles per dollar spent on purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Receive a 20% In-Flight Savings in the form of a statement credit after you use your Card on eligible Delta in-flight purchases of food, beverages, and audio headsets.
  • Terms Apply.

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
17.49%-26.49% Variable
Intro Balance Transfers APR
N/A

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Starwood Preferred Guest® Business Credit Card from American Express

Starwood Preferred Guest® Business Credit Card from American Express

See Rates & Fees , Terms Apply

Excellent Credit Recommended (740-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
100,000 points
?

Earn 100,000 bonus points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 10/31/2018.

Annual Fee
$95, waived first year
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

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Highlights

  • Earn 100,000 bonus points after you use your new Card to make $5,000 in purchases within the first 3 months of Card Membership. Offer ends 10/31/2018.
  • Earn 6 points for each dollar of eligible purchases at over 6,500 participating SPG® and Marriott Rewards® hotels across 110 countries worldwide.
  • Earn 4 points at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. purchases for shipping. Earn 2 points for all other eligible purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Select hotels have resort fees.
  • Enjoy complimentary Silver Elite status with your Card.
  • Plus, spend $35,000 on eligible purchases on your Card in a calendar year and earn an upgrade to Gold Elite status through the end of the next calendar year.
  • No Foreign Transaction Fees on international purchases and $0 introductory annual fee for the first year, then $95.
  • Terms Apply

Rates & Fees

Annual Fee
$0 introductory annual fee for the first year, then $95
Intro Purchase APR
N/A
Regular APR
17.49% - 26.49% Variable
Intro Balance Transfers APR
N/A

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Delta Reserve for Business Credit Card

Delta Reserve for Business Credit Card

See Rates & Fees , Terms Apply

Good to Excellent Credit Recommended (670-850) ? 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.
at American Express's Secure Site

At A Glance

Intro Bonus
40,000 miles
?

Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.† Earn 15,000 Medallion® Qualification miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.

Annual Fee
$450
Regular APR
17.49% - 26.49% variable

See Rates & Fees , Terms Apply

Show Less

Highlights

  • Earn 40,000 bonus miles and 10,000 MQMs after you spend $3,000 in purchases with your new Card in the first 3 months.†
  • Earn 15,000 Medallion® Qualification Miles (MQMs) and 15,000 bonus miles after you reach $30,000 in eligible purchases on your Card in the calendar year.
  • Earn 2 Miles per dollar spent on eligible purchases made directly with Delta. Earn 1 mile on every eligible dollar spent on purchases.
  • Settle into your seat sooner with Priority Boarding and enjoy 20% savings on eligible in-flight purchases in the form of a statement credit.
  • Pay no foreign transaction fees when you spend overseas.‡
  • Complimentary Delta Sky Club® Access.‡
  • Terms and limitations apply

Rates & Fees

Annual Fee
$450
Intro Purchase APR
N/A
Regular APR
17.49% - 26.49% Variable
Intro Balance Transfers APR
N/A

View All Card Details

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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 2018 - Expert Ratings

Credit CardBest UseAnnual FeeCreditCards.com Rating
Blue Cash Everyday® Card from American ExpressCash back with no annual fee$03.3 / 5
The Amex EveryDay® Credit Card from American ExpressBalance transfers$03.7 / 5
American Express Cash Magnet™ CardFlat-rate cash back$03.8 / 5
The Platinum Card® from American ExpressLuxury travel perks$5502.8 / 5
Blue Cash Preferred® Card from American ExpressHigh cash back rates$954.1 / 5
Premier Rewards Gold Card from American ExpressCharge cards$195 waived first year3.3 / 5
The Blue BusinessSM Plus Credit Card from American ExpressBusiness rewards with no annual fee$04.4 / 5
The Business Gold Rewards Card from American Express OPENChoice of business reward categories$175 waived first year3.8 / 5
SimplyCash® Plus Business Credit Card from American ExpressSaving interest on business expenses$03.0 / 5
Hilton Honors American Express Ascend CardHilton hotel stays$954.3 / 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 Everyday Card from American Express

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

The Amex Everyday Credit Card from American Express

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

With no annual fee, you also earn 10,000 points when you spend $1,000 within the first 3 months of card membership. Also enjoy 0% intro APR for 15 months on purchases and balance transfers (then 14.74% - 25.74% variable), with the ever-elusive no balance transfer fee (within 60 days of account opening). Terms apply.

American Express Cash Magnet™ Card

This card is a good choice for someone who wants a no-fuss cash back credit card. The Cash Magnet gets you 1.5% cash back on all purchases. You can use your cash back to redeem for stuff like statement credits, gift cards, and purchases through Amex's shopping portal.

The Cash Magnet also comes with a good welcome offer, totaling to $250 cash back. $150 of that amount comes after you spend $1,000 in the first 3 months, and the other $100 after you spend $6,500 on top of that in your first 12 months. While the intro bonus is certainly large in total compared to other cash back offers, the requirements for getting there are steep.

The Platinum Card from American Express

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

Blue Cash Preferred from American Express

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

Premier Rewards Gold Card from American Express

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

The Blue Business Plus Credit Card from American Express

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

As a business card, you can benefit from business purchases with 2X points on expenditures such as office supplies or office dinners (first $50,000 per year, then it's 1X point). Terms apply. There's no annual fee and you can get 0% intro APR for 15 months on purchases and balance transfers (then 12.99%, 16.99%, or 20.99% variable).

For a limited time until 9/26/2018, you can earn an extra 10,000 Membership Rewards points for spending $3,000 in eligible purchases within your first 3 months of card membership.

The Business Gold Rewards Card from American Express OPEN

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

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

SimplyCash Plus Business Credit Card from American Express

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

Hilton Honors American Express Ascend 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 up to 125,000 points introductory bonus (after $2,000 in purchases within your first 3 months of membership); 12X points for spending at participating hotels and resorts within the Hilton Portfolio; 6X points at U.S. restaurants, supermarkets and gas stations; and 3X points on all other eligible purchases. Terms apply.

What is American Express?

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

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

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

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

Customer satisfaction for credit card companies...

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

Amex Membership Rewards program and best redemption options

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

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

Other benefits of having an Amex card

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

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

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


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.