Compare American Express credit cards 2019 | finder.com

Compare American Express credit cards

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This trusted travel-rewards giant offers cards for international and everyday journeys.

More than 110 million people worldwide carry an American Express card in their wallets. 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

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.
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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 June 16th, 2019
%
Name Product Balance Transfer APR Balance Transfer Fee Recommended Minimum Credit Score Amount Saved Filter values
17.99% to 26.99% variable
$5 or 3% of the transaction, whichever is greater
680
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
N/A
680
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
17.99% to 26.99% variable
$5 or 3% of the transaction, whichever is greater
680
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & fees
0% for the first 15 months (then 15.24% to 26.24% variable)
$5 or 3% of the transaction, whichever is greater
680
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
See Rates & Fees
680
35,000 bonus Membership Rewards® Points when you spend $2,000 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

Among Blue Cash cards, 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

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 15.24% to 26.24% 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: SimplyCash® Plus Business Credit Card from American Express

The SimplyCash® Plus Business Credit Card from American Express 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 15 months on purchases (then 14.49% to 21.49% variable ), cash back categories 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.

American Express rewards programs

Membership Rewards® is the American Express rewards program for points. But it’s not the only rewards program. You can also earn air miles with its Delta-partnered credit cards and cash back with Blue Cash Reward Dollars and Cash Back with SimplyCash Plus. Plus you can also activate Amex Offers to earn 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 SimplyCash 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. In other words, 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 that 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 what you want to redeem them for.

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

American Express offers a variety of credit cards to meet your personal and business needs. Each 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®. Eligible cardholders can access selected ticketed events through American Express.
  • ShopRunner membership. Apply for a membership with ShopRunner with many American Express cards. ShopRunner provides free two-day shipping, extended warranties and purchase protection when you use it to shop with a retailer in its network.
  • Travel accident insurance. You could be protected when traveling by plane, train, ship or bus when you pay for your fare with your American Express card.
  • Airport lounge access. You may be able to take advantage of the relaxed space and complementary 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. Assistance with missing luggage, legal or medical referrals, passport services and translation services are a phone call away.
  • Uber benefits. Platinum cardholders can receive monthly Uber ride credits.

How to apply for a credit card with American Express

Apply for a credit or charge card with American Express through its 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 through physical and technical features designed to keep you and your card safe. 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. Those aren’t the only things, though: Amex may 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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