Best American Express cashback credit cards | finder.com

Compare American Express cash back cards

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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.

Compare American Express cashback credit cards

Name Product Filter values Rewards Purchase APR Annual Fee
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
Earn unlimited 1.5% cash back on your purchases
15.24% to 26.24% variable
$0
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
5% back at US office supply stores and on US wireless telephone services on up to $50,000 annually (then 1%). 3% on a chosen category on up to $50,000 annually, then 1% after and on everything else
14.49%, 19.49% or 21.49% variable
$0
Save on interest with a 0% intro APR on purchases for 15 months. After that your APR will be 14.49%, 19.49% or 21.49% variable. Rates & fees
1.5% discount when you pay early, with no cap on what you can earn back
None (Charge Card)
$0 intro annual fee for the first year ($250 thereafter)
Get a 1.5% discount when you pay early, with no cap on what you can earn back. Rates & fees

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Overview of American Express cashback cards

Take a look at the cards highlighted below to learn more about what Amex has to offer for cashback cards.

American Express Cash Magnet® Card

American Express Cash Magnet® Card
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  • Get this card if: You want unlimited cash back on all purchases.
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

Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express
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  • Get this card if: You want to earn cash back on everyday purchases.
The Blue Cash Preferred® Card from American Express is designed for families that mostly spend at US supermarkets, US gas stations, streaming services, transit 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

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express
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  • Get this card if: You’re going to make a balance transfer.
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.

SimplyCash® Plus Business Credit Card from American Express

SimplyCash® Plus Business Credit Card from American Express
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  • Get this card if: You want a business credit card.
With the no-annual-fee SimplyCash® Plus Business Credit Card from American Express 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 (see Rates & Fees) 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 from American Express. 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 Rewards Purchase APR Annual Fee
3% at US supermarkets on up to $6,000 per year, then 1%. 2% at US gas stations and select US department stores and 1% on all other purchases
15.24% to 26.24% variable
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
3% cash back on all purchases in your first year up to $20,000 spent, then unlimited 1.5% cash back on all purchases
17.24% to 25.99% variable
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases
15.24%, 19.24% or 25.24% variable
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
Earn unlimited 1.5% cash back on your purchases
15.24% to 26.24% variable
$0
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
5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases
17.24% to 25.99% variable
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
1% cash back on all purchases or in categories based on Credit One Bank’s discretion
20.24% to 26.24% variable
$0 to $99
Get 1% cash back rewards on eligible purchases.
6% at US supermarkets (on up to $6,000 annually, then 1%), 6% on select US streaming services, 3% on transit, at US gas stations and 1% on all other purchases
15.24% to 26.24% variable
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
5% on up to $2,000 each activated quarter on two categories combined (1% after), 2% on one everyday category and 1% on all other purchases
16.24% to 25.74% variable
$0
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
3% back on travel and entertainment and 2% on dining up to $500 combined each billing cycle, then 1% after that and on all other purchases
18.49% to 25.49% variable
$0
Earn 3% cash back on travel and entertainment and 2% at restaurants on the first $1,000 spent on purchases each billing cycle (then 1%). Earn 1% on all other purchases.

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