Compare the top American Express credit cards | 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.

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 More info to read our review.

Updated September 25th, 2018
Name Product Introductory Balance Transfer APR APR (Annual Percentage Rate) for Purchases Annual Fee Minimum Credit Score
0% for the first 15 months (then 14.74% to 25.74% variable)
14.74% to 25.74% variable
$0
Fair (660-699)
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
0% for the first 15 months (then 14.74% to 25.74% variable)
14.74% to 25.74% variable
$0
Fair (660-699)
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
0% for the first 12 months (then 14.74% to 24.74% variable)
14.74% to 24.74% variable
$95
Fair (660-699)
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
0% for the first 12 months (then 14.74% to 25.74% variable)
14.74% to 25.74% variable
$95
Fair (660-699)
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
None (Charge Card)
$550
Fair (660-699)
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.
25.74% variable
$0
Good (700-739)
Earn rewards with no annual fee.
None (Charge Card)
$0 annual fee for the first year ($195 thereafter)
Fair (660-699)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
17.49% to 26.49% variable
$0
Fair (660-699)
Earn 100,000 Hilton Honors Bonus Points after spending $1,000 or more in purchases on the Card within your first 3 months of Card Membership.
17.49% to 26.49% variable
$0 annual fee for the first year ($95 thereafter)
Fair (660-699)
35,000 bonus miles after you use your new Card to make $1,000 in purchases within the first 3 months
17.49%, 21.49% or 26.49% variable
$450
Fair (660-699)
Earn 10,000 Medallion® Qualification Miles (MQMs) and 40,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
17.49% to 26.49% variable
$195
Good (700-739)
Earn 70,000 Bonus Miles and 10,000 Medallion® Qualification Miles(MQMs) after spending $3,000 in purchases on your new Card in your first 3 months.
None (Charge Card)
$0 annual fee for the first year ($95 thereafter)
Fair (660-699)
Shop with more confidence
17.49% to 26.49% variable
$0 annual fee for the first year ($95 thereafter)
Good (700-739)
Enjoy a $0 annual fee on first year and earn up to 2 Starpoints® for every dollar of eligible purchases.

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.

Jump to …

Best for cashback rewards: Blue Cash Preferred® Card

Among Blue Cash cards, the American Express Blue Cash Preferred® Card may be best for families. It comes with a $95 annual fee, 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, 3% at US gas stations and some US department stores 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: Premier Rewards Gold Card from American Express

Premier Rewards Gold card
Premier Rewards Gold Card from American Express

The Premier Rewards Gold Card from American Express offers 3x points on airfare and 2x points at US restaurants, grocery stores and gas stations. This gives you a broad base of spending from which to collect valuable Membership Rewards® points. You can redeem your points for vacations through American Express Travel.

Unlike our other winners, the Premier Rewards Gold Card from American Express is one of the charge cards offered by American Express. This means you’ll have to pay off your total balance due each statement in full. 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

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

It offers a domestic main cabin round-trip companion certificate that the Gold Delta SkyMiles® Credit Card 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™ Card from American Express

Hilton Honors Card
Hilton Honors™ Card from American Express

In a contest between the Hilton Honors™ Card from American Express and the stellar The Starwood Preferred Guest® Credit Card from American Express, the Hilton card has the edge. That’s partly because you get generous point earnings outside of hotel spending: 5x at US restaurants, supermarkets and 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.


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 14.74% to 25.74% 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

SimplyCash® Plus Business Credit Card
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 9 months (then 13.99%, 18.99% or 20.99% variable APR), automatic cash back and a credit limit that offers wiggle room.

You also get to select a category from a list provided by American Express to earn 3% cash back on up to $50,000 in annual purchases from that category — after that, the rate drops to 1%. Direct airfare purchases, hotel stays, gas purchases at US stations and US-based advertising purchases are a few examples of potential categories you can choose from.

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.

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 Starwood Preferred Guest Starpoints®.

Blue Cash Reward Dollars and Cash Back with SimplyCash® Plus 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 based on your card and what you redeem them for.

Here’s what 10,000 points from an Amex EveryDay® Credit Card might get you:

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 exclusive ticketed events through American Express.
  • ShopRunner membership. Apply for a free 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.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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