Compare American Express credit cards

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

Last updated:

American Express

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

Best American Express credit cards

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

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.

  • Welcome offer. Get $250 cash back after you spend $1,000 on purchases in the first 3 months your account is open.
  • Intro APR. Take advantage of a 0% intro APR for 12 months on balances you transfer within the first 60 days days of account opening and on purchases. After the intro period, your APR varies from 14.49% to 25.49%.
  • Solid cashback categories. Earn rewards at US supermarkets, US gas stations, on transit — places you’re likely to frequent in your day-to-day. Common everyday categories can make it easier to build up rewards quickly.

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.

  • Welcome offer. Get 35,000 bonus points after you spend $4,000 on purchases in the first 3 months your account is open.
  • Airport credits. Charge up to $100 a year in fees from an eligible airline and get it back in statement credit. Checked bag fees, itinerary change fees and the like qualify for the credit.
  • Hotel Collection perks. Get a $100 hotel credit when booking two or more consecutive nights at a property within Amex’s Hotel Collection.
  • Great point earnings. Earn 3x points on flights you book directly with airlines or through American Express Travel and 4x points at restaurants. At US supermarkets, earn 4x points on up to $25,000 per calendar year on purchases, then 1x. Earn 1x points on all other eligible purchases.

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.

  • Welcome offer. After you spend $1,000 on purchases in the first 3 months your account is open, you’ll get 35,000 miles and 5,000 MQMs. Plus, earn $100 after making your first Delta purchase in the same timeframe.
  • Mile earnings. Earn 2x miles on eligible Delta purchases like flight tickets, food or beverages and movies. Earn 1x miles on other eligible purchases.
  • Invite a guest to fly. Each year you renew your Platinum Delta SkyMiles® Credit Card from American Express, you receive a domestic main cabin round-trip companion certificate. This allows you to take a guest along on a round-trip domestic flight for only the price of the taxes and fees.
  • Delta benefits. Get a complimentary checked bag and priority boarding when flying Delta. And get 20% off — as statement credit — when you make in-flight Delta purchases.

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).

  • $0 annual fee. You won’t pay a dime in annual fees to keep this card open.
  • Welcome offer. Earn 75,000 points after you spend $1,000 on purchases in the first 3 months your account is open.
  • Additional points. Each time you book online with a Hilton Honors property, you receive 500 bonus points.
  • Point earnings. You’ll earn a minimum 3x points on eligible purchases. Hilton properties and US restaurants, US supermarkets and US gas stations earn even more.

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 14.49% to 25.49% 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.

  • No annual fee. Your annual fee for this card is $0.
  • No balance transfer fees. You’ll pay no fee on balances you wish to transfer. Other cards charge a fee equal to 3% to 5% of the transaction.
  • Introductory APR. Balance transfers in the first 60 days days of account opening and purchases made with Amex EveryDay® Credit Card come with a 0% intro APR for the first 15 months after opening your account. A 14.49% to 25.49% variable APR applies after the promotional period ends.
  • Welcome offer. 15,000 points after spending $1,500 in your first 3 months Redeem points for travel, shopping, gift cards and more.

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 14.74% to 20.74% variable), and a credit limit that offers wiggle room.

  • No annual fee. You pay $0 annually with this small business credit card.
  • Introductory APR. For the first 12 months your account is open, get a 0% intro APR on purchases and balance transfers. Your APR increases to 14.74% to 20.74% variable after the intro period ends.
  • Solid cashback rewards. On all eligible purchases, earn 2% cash back on up to $50,000 each calendar year, then 1%.
  • Push the limit. You can spend over your credit limit in select cases as long as you pay off the excess balance in full as part of your minimum payment. The amount you can go over depends on factors such as your payment history, credit score and current income.

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.

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 14.49% to 25.49%.
  • Over 3 million more places in the U.S. started accepting American Express® Cards in 2017 and 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

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 November 22nd, 2019
Name Product Filter values Rewards Purchase APR Annual fee
3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases
See Rates & Fees
$150
Earn 3x Membership Rewards® points on all eligible travel, 3x points at restaurants and 1x points on all other purchases. Rates & fees
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
2x miles on Delta purchases and 1x miles on all other purchases
17.24% to 26.24% variable
$0 intro annual fee for the first year ($95 thereafter)
Earn 30,000 miles after spending $1,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
1.5% cash back on all purchases
0% intro for the first 15 months (then 14.49% to 25.49% variable)
$0
Unlimited 1.5% cash back. Rates & fees
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
17.24% to 26.24% 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

Compare up to 4 providers

Full list of American Express credit cards

#
E
F
I
J
K
N
O
Q
R
U
V
W
X
Y
Z

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.
  • 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

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site