Best American Express cashback credit cards | finder.com

Best American Express cash back cards — March 2019

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Earn unlimited cash back on every purchase, bonuses in two categories or boosted business cash back.

You get the same perks and features among American Express’s suite of cashback cards — such as extended warranty, purchase and return protection, travel accident insurance and more. The main difference between cards is where they earn the most cash back.

Our pick for everyday purchases: Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
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Compare American Express cashback credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
14.49%, 19.49% or 21.49% variable

N/A

Save on interest with a 0% intro APR on purchases for 9 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.
$0 intro annual fee for the first year ($250 thereafter)
None (Charge Card)

N/A

This charge card gives you the option to pay in full each month or to carry a balance for up to 60 with no interest.

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Best American Express cashback cards

We looked at several factors across the Amex cashback cards when comparing their value, including cashback earned per dollar spent, cashback limits on spending, cashback categories, cashback welcome offers and additional perks that could attract different types of cardholders. The cards below stood out above the others in one or more categories, earning a spot on our list.

Best for unlimited cash back on all purchases: American Express Cash Magnet® Card

American Express Cash Magnet® Card

  • Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership.
  • Unlimited 1.5% cash back on your purchases.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • $0 plan fees for plans set up during your first 15 months of card membership with Plan It®, a feature that lets you split up big purchases into monthly payments with a fixed fee.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • No annual fee.
  • Terms apply.
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Promoted
If you’re looking for a simple cashback credit card, the American Express Cash Magnet® Card is a solid contender. It lets you earn unlimited cash back on everything you buy, and you can earn a decent welcome offer.

Furthermore, you get a long intro APR period on balance transfers and purchases, and a variety of American Express perks like roadside and global assistance, travel accident insurance, extended warranty and more.

American Express Cash Magnet® Card vs Blue Cash Everyday® Card from American Express

Best credit card for families: Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Earn a $200 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 6% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%) - that means spending $60 a week at U.S. supermarkets could earn over $180 back per year.
  • 3% cash back at U.S. gas stations. 1% cash back on other purchases.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • $95 annual fee.
  • Terms apply.
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See Rates & Fees
Promoted
The Blue Cash Preferred® Card from American Express is designed for families that mostly spend at US supermarkets, US gas stations and at select US department stores. A solid welcome offer is also available, as is a long intro APR period on purchases and balance transfers.

Compare Blue Cash Everyday® Card from American Express vs Blue Cash Preferred® Card from American Express

Best credit card for balance transfers: Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • Earn a $150 statement credit after you spend $1,000 in purchases on your new card within the first 3 months.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 15 months on purchases and balance transfers, then a variable rate, currently 15.24% to 26.24%.
  • You spoke, we listened. Over 1.6 million more places in the U.S. started accepting American Express® Cards in 2018.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • No annual fee.
  • Terms apply.
Read less
Read more
See Rates & Fees
Promoted
If you’re stuck paying a high interest rate on another card, the Blue Cash Everyday® Card from American Express could be your solution. You get the benefit of a long intro APR period to help you consolidate your debt, and you can earn high cash back in several purchase categories. Plus, you can get a decent welcome offer — all without paying an annual fee.

Best business credit card: SimplyCash® Plus Business Credit Card

SimplyCash® Plus Business Credit Card

Save on interest with a 0% intro APR on purchases for 9 months. After that your APR will be 14.49%, 19.49% or 21.49% variable.


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Promoted
With the no-annual-fee SimplyCash® Plus Business Credit Card you earn high cash back on office supplies and telephone services from US vendors, and you get to choose an additional category for accelerated cash back. In addition, you get an intro APR period on purchases and the possibility to buy over your credit limit.

Compare cash back credit cards with no foreign transaction fees

How to compare American Express cash back credit cards

To pick the right American Express cashback card, consider these questions:

  • Do you want unlimited cash back on everything you buy? If you don’t spend a lot on any particular category of purchases, the American Express Cash Magnet® Card could be worth considering. It offers 1.5% unlimited cash back on everything you buy.
  • Do you spend a lot on groceries? Both the Blue Cash Preferred® Card from American Express and the Blue Cash Everyday® Card from American Express could work in this case. With the Blue Cash Preferred® Card from American Express, you earn higher cash back at US supermarkets and on US gas, but you get shorter intro APR period and you have to pay an annual fee.
  • Do you own a business? Businesses with heavy expenses on US office supplies and US telephone services could use the accelerated cash back offered by the SimplyCash® Plus Business Credit Card. In addition, you get to choose another category to boost your cash back, get a long intro APR on purchases and you won’t pay an annual fee for the card.

What are cashback credit cards and how do they work?

Bottom line

If you know where you spend most of your money, you shouldn’t find it hard to pick the right American Express cashback credit card. You can either choose a flat cash back on all of your purchases or a specialized card for accelerated cash back in several purchase categories. And if you run a business, you can earn cash back on office supplies and telephone services purchased from US retailers.

With any of these cards, you get the benefit of an intro APR period on purchases and balance transfers, and a number of American Express travel and purchase protection perks.

If you’re still not sure if any of these cards will work for you, check out other cashback credit cards and compare your options to find the right one.
Top 1.5% cashback credit cards

Compare all cashback credit cards

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$0
16.24% to 25.74% variable
0% for the first 12 billing cycles (then 16.24% to 25.74% variable)
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus.
$0
17.24% to 25.99% variable
0% for the first 15 months (then 17.24% to 25.99% variable)
0% intro APR for 15 months from account opening on purchases and balance transfers.
$95
15.24% to 26.24% variable
0% for the first 12 months (then 15.24% to 26.24% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
$0
15.24% to 26.24% variable
0% for the first 15 months (then 15.24% to 26.24% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
15.24%, 19.24% or 25.24% variable
0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
11.99% to 17.99% variable
0% for the first 12 months (then 11.99% to 17.99% variable)
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.
$0 to $99
20.24% to 26.24% variable

N/A

Get 1% cash back rewards on eligible purchases.

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