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8+ Best American Express credit cards 2023

Check out the best Amex cards of February 2023 and browse our list of unbiased reviews.

Compare American Express credit cards

Compare all American Express credit cards using our table. You can sort Amex cards by name, intro APR, annual fee and more. If you want to learn more, you can read the card's details, read our unbiased review or if you like what you see — apply for the card.

1 - 3 of 22
Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
Up to 3% cash back
0% intro for the first 15 months (then 18.49% to 29.49% variable)
$0
Earn $200 statement credit after spending $2,000 in the first 6 months on Amex’s flagship everyday cashback card. Terms apply, see rates & fees
Blue Cash Preferred® Card from American Express
Up to 6% cash back
0% intro for the first 12 months (then 18.49% to 29.49% variable)
$0 intro annual fee for the first year ($95 thereafter)
Earn a $250 statement credit after you spend $3,000 in purchases on your new card within the first 6 months. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
American Express® Gold Card
Up to 4x points
20.49% to 27.49% variable APR for Pay Over Time Feature
$250

Rose Gold is here to stay. Card Members can choose between a Gold or Rose Gold Card.

Earn up to 4x points on select purchases and enjoy a bevy of travel perks with this upper-mid tier travel card. Terms apply, see rates & fees
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The best American Express credit cards

The best American Express credit cards each offer at least one standout feature that makes the card a good fit for a particular user. To help you choose the right one for your financial situation, Finder’s credit card experts spent hundreds of hours comparing all American Express cards against one another in several categories commonly found across competing card companies.

Our top Amex picks for 2022 remained consistent with 2021, without many major card changes to note. With that said, Amex remains a powerhouse in travel and everyday rewards, so there’s little surprise that our standings remained the same.

Which are the best American Express credit cards

Best for simple cash back

Blue Cash Everyday® Card from American Express

Finder Rating: 4.6 / 5 ★★★★★

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The Blue Cash Everyday® Card from American Express is a simple and to-the-point card that offers accelerated rewards on everyday purchases like groceries, gas and online retail. While a bit less powerful than the Blue Cash Preferred, this is balanced out by the card's lack of annual fee.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best for cashback rewards

Blue Cash Preferred® Card from American Express

Finder Rating: 4.3 / 5 ★★★★★

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The American Express Blue Cash Preferred® Card from American Express may be best for families thanks to its diverse bonus categories. It comes with a $0 intro annual fee for the first year, then $95. But the card can pay for itself with excellent cashback potential.
Terms apply to American Express benefits and offers.
Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit.

Best for travel and everyday rewards

American Express® Gold Card

Finder Rating: 4.6 / 5 ★★★★★

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The American Express® Gold Card offers 3x points on airfare when you book directly and 4x points at restaurants, including takeout and delivery in the US, such as Uber Eats. 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 bonus categories from which to collect valuable Membership Rewards points.
Terms apply to American Express benefits and offers.

Best card for hotel rewards

Hilton Honors American Express Card

Finder Rating: 4.4 / 5 ★★★★★

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With the Hilton Honors American Express Card you get generous point earnings outside of hotel spending: 5x at US restaurants, U. supermarkets and US gas stations and 3x on other eligible purchases. If you consistently stay at Hilton, you're rewarded with an exceptional 7x point multiple on eligible Hilton purchases.
Terms apply to American Express benefits and offers.

Best card for premium travel

The Platinum Card® from American Express

Finder Rating: 4.4 / 5 ★★★★★

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The Platinum Card® from American Express is the premium traveler's best friend. Aside from earning a generous amount of reward points on purchases and a strong welcome offer, you get to enjoy perks like airport lounge access — including access to the Centurion Lounge, VIP status with Uber, Platinum travel counselors service and privileges at specific hotel brands.
Terms apply to American Express benefits and offers.

Best for airline rewards

Delta SkyMiles® Platinum American Express Card

Finder Rating: 4 / 5 ★★★★★

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The midtier Delta choice — the Delta SkyMiles® Platinum American Express Card — is a standout option. It offers a domestic main cabin round-trip companion certificate that the Delta SkyMiles® Gold American Express Card doesn't bring to the table. And it's half the price of the Delta SkyMiles® Reserve American Express Card, with a $250 annual fee.
Terms apply to American Express benefits and offers.

Best for small businesses

American Express Blue Business Cash™ Card

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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 (then 17.74% to 25.74% variable), and a credit limit that offers wiggle room.
Terms apply to American Express benefits and offers.
Cash back earned is automatically credited to your statement.

Best for day-to-day travel

American Express® Green Card

Finder Rating: 3.9 / 5★★★★★

Terms apply, see rates & fees
The American Express® Green Card features up to 3x points back on transit, a relatively rare category you don't see on many travel cards. Coupled with rewards on dining and travel, this makes for a great card for someone always on the move.
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Best for luxury hotel perks

Hilton Honors™ Aspire Card

Terms apply, see rates & fees
If Hilton Hotels are a mainstay of your travel expenses, the Hilton Honors™ Aspire Card has the premier perks to make your stays even more comfortable and earn you some extra value.
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Best for regular business travelers

The Business Platinum Card® from American Express

Finder Rating: 4.4 / 5 ★★★★★

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The Business Platinum Card® from American Express is the business equivalent of the consumer Platinum card, offering a similar level of luxury travel perks. However, the increased rewards and perks are aimed at much higher levels of spending
Terms apply to American Express benefits and offers.

Each American Express card comes with its own perks and benefits. But if you combine three particular cards, you can easily offset each card’s annual fees, while earning the maximum value possible from your rewards points.

Here, we introduce the “Amex trifecta,” the perfect card combination for the greatest rewards, especially if you spend money on airfare, hotels, dining and at US supermarkets. Plus, you get other generous perks that can make this card combination even more valuable.

What’s the Amex trifecta?

The Amex trifecta is a combination of three American Express cards with membership rewards. Each card complements each other, allowing you to earn the highest rewards on your purchases especially if you spend money on airfare, hotels, dining and at US supermarkets. Plus, you get other generous perks that can make this card combination even more valuable. The cards that make the Amex trifecta are:

  • The Platinum Card® from American Express
  • American Express® Gold Card
  • The Blue Business® Plus Credit Card from American Express

However, if you think this card combination won’t work for you, compare other credit cards and make your own trifecta.

How to apply for an American Express card

  1. Check out the table above to browse through the issuer’s list of credit cards. Review the details of each card to find the card that best suits you.
  2. When you’re ready to move forward with a card, choose Apply now.
  3. Complete the application with information such as your full name, email address, date of birth, Social Security number and total annual income. For a business credit card, enter additional information such as your legal business name, years in business, annual business revenue and federal tax ID.
  4. Review your information and submit your application. Once approved, you can set up an online account by visiting the Amex website and hitting Create New Online Account. Then enter information such as your 15-digit card number and four-digit card ID.

How many American Express cards can I have?

According to many customer reports, Amex limits members to five open cards at once. Personal and business cards count toward this number. There is an exception: cards such as The Platinum Card® from American Express and American Express® Gold Card don’t count toward this limit. And generally speaking, five Amex cards isn’t a hard-and-fast rule — some customers have reported having six or more cards.

As far as applying for these cards, Amex allows up to two card applications per day. Issuers typically don’t want to see you applying for cards rapid-fire, and Amex is no exception. Consider keeping your credit card applications at three or fewer within 90 days.

How do I choose the best American Express credit card?

Because of the wide range of credit cards offered by American Express, choosing the right one may seem difficult. Here’s what to consider:

  • Annual fee. American Express cards’ annual fees range from $0 to over $600. The higher the annual fee, the better perks you get. But this doesn’t mean the no-annual-fee cards aren’t any good. Get a 0% intro APR period, rewards on your purchases and other benefits even on cards with a $0 annual fee.
  • Rewards. American Express offers the famous Membership rewards program. Within this program, you can redeem your points for a variety of rewards including travel, gift cards and cash back redeemed as a statement credit. You can also get a card that only earns cash back, or you can consider a cobranded hotel or airline card where you earn and redeem rewards within the program.
  • Intro APR period. A 0% intro APR period on purchases is a perk typically found in Amex’s cashback cards and other cards with a $0 annual fee. This perk is useful in paying off large purchases over time.
  • Welcome offer. One way to boost your rewards is to earn the welcome offer. Keep in mind, the higher the card’s annual fee, the higher the welcome offer.

The features that will serve you best will help you determine the best Amex card for you. For example, Carter Seuthe, CEO of Credit Summit, tells Finder that travel benefits are most important to him:

“I get 3x points on certain airlines when I use [my Amex]. I just recently booked a Delta flight to make good on this reward and have thus far racked up enough points to cover the cost of another flight,” Seuthe says. “I also have a year to pay it off, which is my most used general feature. 0% APR for a year is an incredible deal, though it’s usually only offered to people with credit scores of 700+.”

How to prequalify for American Express credit cards

American Express is among the few banks that allow you to see your chances of credit card approval through a simple online form. In under a minute, you can prequalify for an Amex card — which doesn’t guarantee application approval but does shed light on your chances for success.

Prequalify for Amex credit card offers in three steps without affecting your credit score:

  1. Go to the American Express prequalification page.
  2. Complete your name, address and last four digits of your Social Security number. For more targeted offers, enter details of your annual income.
  3. Select View my card offers and compare your options.

How to prequalify by yourself

American Express doesn’t offer secured or other credit-building cards, which means you have a higher chance of approval for Amex credit cards with a good credit score of 670 or higher.

If your credit isn’t quite there yet, focus on strategies to boost your score before trying again. Start by ordering your free credit report to see what potential lenders do, and then work toward paying off balances to lower your utilization ratio to 30% or below. Once your credit score is improved, try your luck with the Amex card you want.

What are the benefits of an American Express prequalification?

You aren’t guaranteed approval with prequalification, but it does give you a good shot at getting the Amex card you’re interested in, among other key benefits.

  • Narrow your options. Amex’s prequalification tool can point you to cards that are likely to fit your credit profile.
  • No obligation to apply. You don’t have to take Amex up on the offer you’re prequalified for. You’re free to use what you learn to shop around with other banks and providers.
  • Doesn’t affect your credit. Amex initiates a soft pull on your credit history that won’t ding your credit score.

Prequalification and preapproval: What’s the difference?

Prequalification and preapproval are often used interchangeably, though they refer to different approval processes.

With prequalification, you agree to give a bank or issuer basic access to your credit history in exchange for an idea of the cards or financial products you might qualify for. Because access is granted through a soft pull, your credit score isn’t affected — though approval isn’t guaranteed.

Preapproval is a more involved process, whereby a bank or issuer takes a deeper look at your borrowing against your financial history to determine its risk in taking you on as a cardholder. It too doesn’t hurt your credit score, and you’re not required to apply for the card you’re preapproved for if you don’t want it.

Types of American Express cards

American Express has a large stable of credit cards, including some of the best travel and business products on the market. While its cashback selection is narrow, you’ll find cards with attractive rewards, some of which are the highest on the market.

However, Amex lacks balance transfer cards and cards for building credit. In the past, Amex offered a 0% intro APR period on balance transfers on some of its cards, but this is no longer the case. As for credit-building cards, Amex never offered cards for those with poor credit or no credit history.

Compare American Express credit cards by card type

Standout benefits of an American Express card

  • High rewards rates. American Express is one of the most generous card providers when credit card rewards are concerned. Depending on the card, you can get one of the highest cashback rates on groceries and streaming services, which you can redeem as statement credit, or you can grab a card with one of the highest rates on travel purchases.
  • Membership rewards program. Amex’s flagship membership rewards program is available with a few personal and business credit cards. This program is on par with competitors because it allows you to redeem points for cash, gift cards, travel or transfer points to travel partners in 1:1 ratio.
  • Entertainment Access. The American Express experience program gives you access to better seats at eligible events without paying extra. And sometimes you can even get a chance to buy tickets first before the general public.
  • 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. If you don’t have an eligible Amex card, ShopRunner membership costs $79 annually. To use ShopRunner with an Amex card, you must enroll first.
  • Global Assist Hotline. All Amex cards get Global Assist service, which helps you with missing luggage, legal or medical referrals, passport services and translation services worldwide.
  • Amex Express Checkout. Quickly make payments online without entering your card number with this Amex Express Checkout.
  • Pay It Plan It®. Get payment flexibility with Amex’s Pay It Plan It feature. Pay It gives you the option to pay your credit card balance for amounts under $100 right away. Plan It lets you combine up to 10 purchases of over $100 and make a monthly payment plan without interest for up to 24 months, with no enrollment necessary.
  • Amex Offers. Earn additional points or cash back with Amex Offers. To use this program, you need the Amex mobile app where you can see and activate each offer.
  • Amex Send & Split. This feature lets you send money or split purchases with any Venmo or PayPal user. To use it, though, you need to enroll through the Amex mobile app.

American Express rewards program

Amex itself offers two types of rewards: Membership Rewards points and cash back. It also offers various types of rewards with its cobranded cards. For example, you can accumulate earnings in programs such as Delta SkyMiles, Hilton Honors and Marriott Bonvoy.

Below, you’ll find a table of the different types of rewards Amex offers and a link to where you can find out more about earning points, miles or cash back.

Type of rewardsCards offering these rewardsLearn more
Membership Rewards points
  • American Express® Green Card
  • American Express® Gold Card
  • The Platinum Card® from American Express
  • Amex EveryDay® Credit Card
  • Amex EveryDay® Preferred Credit Card
  • Blue from American Express® Card
Guide to American Express Membership Rewards program
Cash back
  • American Express Cash Magnet® Card
  • Blue Cash Everyday® Card from American Express
  • Blue Cash Preferred® Card from American Express
Compare American Express cash back cards
Delta SkyMiles
  • Delta SkyMiles® Blue American Express Card
  • Delta SkyMiles® Gold American Express Card
  • Delta SkyMiles® Platinum American Express Card
  • Delta SkyMiles® Reserve American Express Card
Delta SkyMiles loyalty program
Hilton Honors points
  • Hilton Honors American Express Card
  • Hilton Honors American Express Surpass® Card
  • Hilton Honors™ Aspire Card
Hilton Honors rewards program
Marriott Bonvoy points
  • Marriott Bonvoy Brilliant® American Express® Card
Marriott Bonvoy rewards program
Type of rewardsCards offering these rewardsLearn more
Membership Rewards points
  • Business Green Rewards Card from American Express
  • American Express® Business Gold Card
  • The Business Platinum Card® from American Express
  • The Blue Business® Plus Credit Card from American Express
Guide to American Express Membership Rewards program
Cash back
  • American Express Blue Business Cash™ Card
  • The Plum Card® from American Express
Compare American Express cash back cards
Delta SkyMiles
  • Delta SkyMiles® Gold Business American Express Card
  • Delta SkyMiles® Platinum Business American Express Card
  • Delta SkyMiles® Reserve Business American Express Card
Delta SkyMiles loyalty program
Hilton Honors points
  • The Hilton Honors American Express Business Card
Hilton Honors rewards program
Marriott Bonvoy points
  • Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy rewards program
Amazon points
  • Amazon Business American Express Card
  • Amazon Business Prime American Express Card
Compare Amazon credit cards
Lowe’s points
  • Lowe's Business Rewards Card from American Express
Read card review

What is the average annual fee for American Express cards?

Of the Amex cards that feature annual fees, a majority of them lay in the $200 range. Though like most credit cards, the price you pay on a credit card’s annual fee typically correlates to the number of perks and benefits you can expect to come with the card.

Notable American Express annual fee cards

Given just six cards in the Amex consumer lineup lack an annual fee, it’s no surprise that some heavy hitters do feature annual fees.

CardAnnual feeCard type
The Platinum Card® from American Express$695Luxury travel
American Express® Gold Card$250Everyday and travel rewards
Blue Cash Preferred® Card from American Express$95Dining, everyday rewards
Amex Platinum Card, Amex Gold Card and Blue Cash Preferred are among Amex’s most popular cards despite their annual fees. This is because each card offers tremendous value or features for the price. The Amex Platinum Card, for example, is the undisputed champion of luxury travel features, offering perks worth far more than the $695 annual fee of the card. The Amex Gold Card is similarly feature-rich with a focus on everyday rewards, and the Blue Cash Preferred is the top earner on the market when it comes to grocery rewards. (Terms apply, see rates & fees).

American Express no annual fee cards

  • American Express Cash Magnet® Card
  • Blue Cash Everyday® Card from American Express
  • Hilton Honors American Express Card
  • Delta SkyMiles® Blue American Express Card
  • Blue from American Express® Card
  • Amex EveryDay® Credit Card

Is the annual fee on an American Express card worth it?

Generally, yes. Nearly all Amex credit cards with an annual fee come with enough perks or earning potential to more than make up for the cost of the annual fee. Here’s a quick comparison of two Amex cards’ annual fees and available features.

Annual feeCardPerks
$95 (see Terms apply, see rates & fees)Blue Cash Preferred® Card from American Express
  • Complimentary ShopRunner membership after enrollment
  • 6% back at US supermarkets on up to $6,000 in purchases each year, and 1% after that. 6% back on select streaming services. 3% back at gas stations and transit purchases.
  • 1% back on other eligible purchases.
$695 (see Terms apply, see rates & fees)The Platinum Card® from American Express
  • 80,000 point welcome offer after you spend $6,000 in purchases in your first 6 months.
  • $200 annual airline fee credit after enrollment. $200 in annual Uber Cash. $100 annual Saks Fifth Avenue credit after enrollment. $100 Global Entry/TSA PreCheck application fee credit every four years.
  • Complimentary access to Centurion Lounge
  • Gold status in Marriott Bonvoy and Hilton Honors loyalty programs after enrollment
  • Concierge service
  • And more

How to choose American Express cash back credit cards

To pick the right American Express card, there are a few quick factors to consider.

  • Look at your spending habits. 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 as statement credit on everything you buy.
  • How much do you spend 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 a higher earning rate at US supermarkets and on US gas, but you get shorter intro APR period and you have to pay an annual fee.
  • Consider your business needs. Businesses that want to earn flat cash back as statement credit on all purchases could consider the American Express Blue Business Cash™ Card. In addition, you get a long intro APR on purchases and you won’t pay an annual fee for the card.

What’s the alternative to an Amex credit card?

Although American Express offers a wide variety of credit cards, it’s not the only card provider. Other providers that rival American Express are:

  • Chase. Chase offers some of the best travel credit cards with the Chase Ultimate Rewards program. And since most of the cards are Visa cards, you shouldn’t have any problem using them abroad.
  • Citi. Citi also offers some of the best travel credit cards with the ThankYou rewards program. But you’ll also find market-leading 0% intro APR periods on balance transfers with the Citi® Diamond Preferred® Card and Citi Simplicity® Card.
  • Bank of America. Bank of America is famous for a wide range of cobranded airline and cruise line credit cards. But it also offers some of the best student cards — Bank of America® Customized Cash Rewards for Students and Bank of America Travel Rewards card for students.
  • Barclaycard US. Barclaycard offers a massive selection of travel credit cards. You can find cobranded cards for cruise lines, homestays and hotels, and airline credit cards.

Full list of American Express credit card reviews

Bottom line

American Express offers a variety of cashback, travel and business credit cards. If you’re not sure its selection had the best choice for you, consider top cards from other issuers.

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