Compare American Express credit cards 2019 | finder.com

Compare American Express credit cards

You can get a card for both international and everyday travel.

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American Express

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More than 110 million people worldwide carry an American Express card. This global financial services giant first issued its American Express® Gold Card in 1966. Today, it offers cards for individuals, small businesses and corporations that feature travel, cash back and access to a catalog of goods and services through its Membership Rewards® Program.

Our pick for an American Express card

Hilton Honors American Express Card

  • Earn 75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of Card Membership.
  • Earn 7x Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with a hotel or resort within the Hilton Honors portfolio of brands.
  • Earn 5x Hilton Honors Bonus Points for each dollar of eligible purchases 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. No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
  • Enjoy complimentary Hilton Honors Silver status with your card. Plus, spend $20,000 on eligible purchases on your card in a calendar year and you can earn an upgrade to Hilton Honors Gold status through the end of the next calendar year.
  • No Annual Fee.
  • Terms Apply.
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Compare American Express credit cards

Use our table to sort Amex cards by name, intro APR, annual fee and more. Check the Compare box under up to four cards you’re interested in. Then click the orange Compare button to see a side-by-side comparison of fees, requirements and features. To learn more about a specific card, click Read the full review.

Updated September 15th, 2019
Name Product Filter values Rewards Purchase APR Annual fee
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.74% to 26.74% variable
$0
Earn 75,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & fees
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
N/A
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & fees
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
17.74% to 26.74% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 14.99% to 25.99% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees

Compare up to 4 providers

Best American Express credit cards

American Express cards fall into several categories, each with benefits and potential drawbacks to consider.

Quick look at American Express cards

Best for cashback rewards: Blue Cash Preferred® Card from American Express

The American Express Blue Cash Preferred® Card from American Express may be best for families. It comes with a $95 annual fee (see rates & fees), but the card can pay for itself with excellent cashback potential.

Earn 6% cash back at US supermarkets on up to $6,000 a year and 1% after, 6% cash back on select US streaming services, 3% at US gas stations, 3% cash back on transit and 1% on all other eligible purchases.

If your family spends more than $30 a week in groceries alone, you can break even on the card. Busy families will likely blow past that threshold and pocket a generous cashback haul.

Best for travel rewards: American Express® Gold Card

The American Express® Gold Card offers 3x points on airfare when you book directly and 4x points at restaurants. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x. This gives you a broad base of spending from which to collect valuable Membership Rewards® points. You can also redeem your points for vacations through American Express Travel.

Unlike our other winners, the American Express® Gold Card is a hybrid between a charge card and a regular credit card. If you’re interested in a travel-specific credit card, learn more about our choice for best airline rewards card and hotel rewards card.

Best for airline rewards: Platinum Delta SkyMiles® Credit Card from American Express

Please note: All information about Platinum Delta SkyMiles® Credit Card from American Express has been collected independently by Finder and this card is no longer available through this site.

American Express offers three Delta Cards: The Gold Delta SkyMiles® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express and Delta Reserve® Credit Card from American Express. The midtier choice — the Platinum Delta SkyMiles® Credit Card from American Express — is a standout option.

It offers a domestic main cabin round-trip companion certificate that the Gold Delta SkyMiles® Credit Card from American Express doesn’t bring to the table. And it’s half the price of the Delta Reserve® Credit Card from American Express, while offering 2x points on Delta purchases and perks like priority boarding.

Best for hotel rewards: Hilton Honors American Express Card

With the Hilton Honors American Express Card you get generous point earnings outside of hotel spending: 5x at US restaurants, US supermarkets and US gas stations and 3x on all other eligible purchases. You can also accumulate a trove of points, even if you’re not a Hilton regular.

If you consistently stay at Hilton, however, you’re rewarded with an exceptional 7x point multiple on Hilton purchases. That’s in addition to a complimentary upgrade to Silver status in the Hilton Honors loyalty program.

Perhaps best of all, you get it all for a $0 annual fee (see rates & fees).

Best for balance transfers: Amex EveryDay® Credit Card

The Amex EveryDay® Credit Card is a solid basic credit card that’s great for balance transfers. You’ll get an introductory APR of 0% on purchases and balance transfers for the first 15 months after your account is open — just be sure to transfer your balances within 60 days days of opening your account. After the promo period, your standard purchase and balance transfer APRs revert to 14.99% to 25.99% variable.

What makes Amex EveryDay® Credit Card even better for balance transfers is there’s no fee per transaction. Some cards come with a balance transfer fee of up to 5% of the transfer, which could mean paying $500 to transfer $10,000 in debt.

Best for small businesses: American Express® Blue Business Cash Card

The American Express® Blue Business Cash Card is hard to beat when it comes to small business credit cards. Putting it above similar cards is a $0 annual fee, a 0% intro APR period of 12 months on purchases and balance transfers (then 15.24% to 21.24% variable), and a credit limit that offers wiggle room.

How we selected our top cards

We compared American Express credit cards against one another in several categories commonly found across competing card companies, including types of rewards cards, cards with introductory APRs, cashback potential and travel benefits. We highlighted the Amex cards that stood out as prime performers in a given category.

What’s changed in 2019

We added Platinum Delta SkyMiles® Credit Card from American Express to our list this year as it provides a sweet spot of price versus features. While the Amex Gold Card remains the number one travel pick, the Delta Platinum is the perfect runner up and potentially a better choice for Delta fans.

The SimplyCash® Plus Business Credit Card from American Express is now the American Express® Blue Business Cash Card, with flat-rate cash back and an intro APR on balance transfers.

American Express rewards programs

Membership Rewards® is the American Express rewards program for points. But it’s not the only Amex rewards program. You can also earn air miles with its Delta-partnered credit cards and cash back with Amex Blue Business Cash. Plus you can also activate Amex Offers to earn additional points or cash back.

How to redeem points and miles

Redeem Membership Rewards® points for gift cards, vouchers, shopping, travel, point-of-sale transactions, entertainment, statement credits or donations to charity. You can also transfer points to Flying Blue® Award Miles or Marriott Bonvoy points.

Blue Cash Reward Dollars and Cash Back with Amex Blue Business Cash are redeemed in the form of statement credits. The amount you earned typically is applied to the statement that comes two billing cycles after you earned it. So, if you earned $50 in cashback rewards in January, you’d likely find it applied to your March statement.

You can redeem miles earned through Delta-partnered credit cards when you purchase tickets through the Delta website. You’ll need to make sure the flight is marked as eligible for payment with miles and have your credit card on hand when booking.

How much are points and miles worth?

Points values vary, but the Amex Membership Rewards® site allows you to calculate the value of your points depending on your card and how you want to redeem them.

For example, here’s what 10,000 points from an Amex EveryDay® Credit Card might get you, as of June 2018:

Typical card benefits and features of an American Express card

Each American Express card offers its own range of features, including welcome offers that provide upwards of $300 back. But you’ll find a few signature features across several cards, including:

  • Entertainment Access®. Get access to selected ticketed events through American Express.
  • ShopRunner membership. Get free two-day shipping, extended warranties and purchase protection when you use your card to shop with a retailer in the ShopRunner network.
  • Travel accident insurance. Be protected when traveling by plane, train, ship or bus when you pay for your fare with your American Express card.
  • Airport lounge access. Take advantage of the relaxed space and complimentary food and beverages at airport lounges around the world. Depending on your card, you may need to pay an additional fee to access some lounges.
  • Concierge. Get help planning your trip, finding a place to eat or booking a hotel room at no extra charge.
  • Global Assist® Hotline. Get assistance with missing luggage, legal or medical referrals, passport services and translation services are a phone call away.
  • Uber benefits. Receive monthly Uber ride credits with your Platinum card.
  • Mobile app. You can download the bank’s mobile app to monitor your account, make payments and more.
  • Amex Express Checkout. Quickly make payments online without entering your card number with this convenient payment method.

How to apply for a credit card with American Express

Apply for a credit or charge card through the American Express website. Before you apply, make sure you meet the minimum eligibility requirements and ready the information you’ll need.

Eligibility criteria
  • You must be at least 18 years old.
  • You must have a valid Social Security number.
  • Corporate applicants must have over $25 million in annual revenue.
Required documents
  • Full name and date of birth.
  • Street address and phone number.
  • Valid email address.
  • Total annual income.

American Express vs. Visa credit cards

How does American Express keep my credit card information secure?

American Express protects your personal and financial information with physical and technical features. It encrypts any sensitive information you send online, and accounts left logged in and idle time out for your protection.

Fraud protection is also available. Account alerts and irregular or suspicious transaction monitoring keeps you informed and your account under watch. Amex may also verify your identity before allowing you to make a purchase, confirming you’re actually the one using the card.

You can also choose whether to receive American Express marketing materials and how you’d like to get them. You’re still able to access customer service agents and receive contact regarding your account, when necessary.

Bottom line

American Express offers a variety of rewards, travel and business credit cards, and it’s the only big-name provider to support charge cards. To learn which might be the best fit for your lifestyle or business, compare American Express’s current cards.

To explore what’s out there, look into the features and benefits of other credit card providers.

Frequently asked questions

Disclaimer

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Rates and fees

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